How to Apply for a PAN Card for Minors in India

Why Do Minors Need a PAN Card?

A PAN card for minors can be helpful for the following reasons:

• Opening a Bank Account: Many banks require a PAN card to open a savings account for minors.
• Investments: If parents or guardians wish to invest in fixed deposits, stocks, or mutual funds in the name of their child, a PAN card is necessary.
• Identity Proof: PAN cards are a widely accepted form of identity proof across various institutions and organizations.

Documents Required for a Minor's PAN Card

To apply for a PAN card for a minor, the following documents are required:

1. Proof of Identity (POI):

   • Birth Certificate
   • Aadhaar Card
   • Passport
   • Marksheet from a recognized board (for school-going children)

2. Proof of Address (POA):

   • Aadhaar Card
   • Passport
   • Parent’s or guardian’s proof of address

3. Proof of Age:

   • Birth Certificate
   • Aadhaar Card
   • Passport

4. Photographs: Two recent passport-sized photographs of the minor.

Step-by-Step Guide to Applying for a Minor's PAN Card

Here’s how you can apply for a PAN card for minors:

1. Choose a Platform:

   • You can apply for a minor’s PAN card online via the official websites of NSDL (NSDL e-Gov) or UTIITSL (UTIITSL).
   • Alternatively, the application can also be done offline at a PAN service center by submitting the required documents.

2. Fill Out the Application Form:

   • Download Form 49A from the NSDL or UTIITSL portal or obtain it from your nearest PAN service center.
   • For minors, a parent or guardian must fill out the form on their behalf.
   • Enter the minor’s name, birth date, and other required details.
   • In the “Representative Assessee” section, provide details of the parent or guardian who will be responsible for managing the minor’s financial matters.

3. Submit the Documents:

   • Attach the minor's birth certificate or Aadhaar as proof of identity.
   • Include proof of address (guardian’s or minor’s), and the minor’s passport-sized photographs.
   • The guardian’s signature is required on the form, as the minor is not authorized to sign.

4. Pay the Application Fee:

   • The fee is minimal for PAN cards delivered within India, while a higher fee applies for overseas delivery.
   • Payments can be made via debit/credit card, net banking, or demand draft.

5. Verification and Processing:

   • After submitting the application and documents, the form will undergo a verification process by the Income Tax Department.
   • Once approved, the PAN card will be sent to the address mentioned in the application form within 15–20 business days.

Important Points to Note

• PAN for Minors: Minors are not required to have a PAN until they reach 18 years of age and earn taxable income. However, having a PAN for banking or investment purposes is beneficial.
• No Photograph for Minors’ PAN: Until the minor turns 18, their PAN card will not have their photograph. Instead, it will display the phrase "Minor" beneath the cardholder’s name. Once the minor turns 18, they must apply for a PAN update, which will include their photograph and signature.

Conclusion

Applying for a PAN card for minors is a simple and straightforward process. Whether it’s for future investments, banking purposes, or as identity proof, having a PAN card for your child can help in various ways. By following the steps mentioned above, you can easily apply for a PAN card online or offline and ensure that your child is ready for any financial transactions in the future.

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