In today's digital and financial world, certain documents are crucial for identity and financial transactions. While the Aadhaar card is widely used for both government and private purposes, the PAN card (Permanent Account Number) plays a key role when it comes to income tax, banking, and investments. But did you know that even children can get a PAN card?
Yes, parents can apply for a minor PAN card on behalf of their child for various financial purposes. This article will guide you through the two main methods to apply for a child’s PAN card and explain why it's important.
Though most people apply for a PAN card after turning 18, it is entirely legal—and often beneficial—to apply for one earlier. A minor PAN card is issued to individuals below 18 years of age. It is primarily used for:
Income tax-related transactions
Opening bank accounts in the child's name
Making investments like mutual funds or fixed deposits
Adding the child as a nominee for shares or financial assets
Having a PAN card in your child’s name allows parents to start building financial assets early in the child’s life.
Both minor and regular PAN cards are issued by the Income Tax Department of India and serve as valid proof of identity. However, there are a few distinctions:
No Photograph or Signature: Minor PAN cards do not carry a photo or signature of the child.
Guardian's Details: The PAN card application includes the guardian’s address and identity details.
Mandatory Documents: A birth certificate of the child is essential, while the guardian must provide valid identity and address proof.
Once the child turns 18, the minor PAN card must be updated to a regular PAN card, complete with a photo and signature.
Acts as official proof of age and identity
Required for opening a bank account in the child’s name
Facilitates early investments in the child’s name
Allows nomination of the child in mutual funds, shares, and insurance policies
Helpful in estate planning and tax structuring for families
You can apply for a child’s PAN card through either the online or offline method.
Visit the official NSDL PAN website: https://tin.tin.nsdl.com
Select the "Apply for New PAN" option
Choose the application form relevant to individuals (Form 49A)
Fill in the child’s details along with the guardian’s information
Upload the required documents:
Child’s birth certificate
Guardian’s ID and address proof
Pay the applicable fee (usually around ₹100–₹120 for Indian addresses)
Submit the form and receive an acknowledgement number
After verification, the PAN card will be delivered to the guardian’s postal address
Visit the nearest PAN Service Agency (PSA) or PAN cardcentrer
Ask for and fill out Form 49A for a new PAN application
Attach the necessary documents:
Birth certificate of the child
Guardian’s photo ID (like Aadhaar, Passport, Voter ID)
Proof of address
Pay the required processing fee
Submit the completed application at the centre
The PAN card will be sent via post after successful processing
Applying for a PAN card for your child is simple, beneficial, and future-ready. Whether you choose the online or offline method, ensuring your child has a PAN card opens the door to early financial planning and smoother legal processes.
In a time where financial literacy and documentation are key, getting your child a PAN card is a smart first step toward financial empowerment.
