Minor PAN Card Application

A minor PAN card is for children below the age of 18 years, unlike a regular PAN card, which is for Indian individual adults. While a minor’s income especially from investments or other sources is typically clubbed with that of their parents for tax purposes, having a PAN card in the minor’s name can open doors for early financial independence. 

In this guide, explore the key benefits of this PAN card and learn how to apply for it with ease for smooth and secure financial transactions.

Requirement of Minor PAN Card

A minor requires a PAN card in the following scenarios:

• If the parents make their minor child a nominee in an investment, financial instrument or shares. 
• In case the parents invest in the minor child’s name.
• When a bank account or a Sukanya Samriddhi Yojana account is opened under the guardianship of a parent for their minor daughter.
• If the minor is visually disabled or earns income through talent, skills, or other sources, that is taxable in their own name rather than being clubbed with a parent’s income.

Benefits of a Minor PAN Card

A minor child can reap the following benefits of a minor PAN card:

• Such a PAN card can be presented as a valid date of birth proof.
• The child can develop a financial identity from an early age and enjoy the benefits of the investment compounding over the years.
• Parents can seamlessly make their minor child a nominee for properties, shares and financial investments.
• A child can have investments in their name and earn returns as income.
• A child can showcase their talent and knowledge to earn from an early age.

Online and Offline Process to Apply for a Minor PAN Card

You can apply for a minor PAN card online or offline, based on your convenience, in the following ways:

Online Application for a Minor PAN card

To apply for a minor PAN card online, you need to adhere to the steps mentioned below:

Step 1: Navigate to the official website of NSDL.

Step 2: Under application type, choose ‘New PAN - Indian Citizen (Form 49A)’ and ‘Individual’ as the category.

Step 3: Select the PAN card submission mode and if you need a hard copy PAN card.

Step 4: Fill in the necessary details such as the minor’s personal details, the parent’s address, parent’s contact number, AO code and the parent’s or guardian’s signature.

Step 5: Upload relevant documents, followed by a recent photograph of the minor.

Step 6: Pay the application fee using your preferred payment method such as credit card, debit card, net banking, or demand draft—before clicking on ‘Submit’.

Step 7: Collect the acknowledgement number for future application tracking.

Step 8: If you need to submit physical documents, post them along with the demand draft (if you want to make payment using this option) to the address of the Income Tax PAN Services Unit, Pune.

Offline Application for a Minor PAN Card

Here is the process to apply for a minor PAN card offline:

Step 1: Go to the official NSDL website and download Form 49A.

Step 2: Fill in the form manually following the instructions.

Step 3: Attach relevant supporting documents as necessary, followed by two recent photographs of your child (minor).

Step 4: Visit your nearest PAN centre to submit the form along with the attachments. In the case of an offline application, you need to pay the fees at the PAN centre.

Step 5: Ensure you collect the acknowledgement number for future reference.

Step 6: On successful completion of the process and verification by the PAN card authorities, you will receive the PAN card at your address.

Documents Required for a Minor PAN Card Application

You need to submit the parents’ address and identity proof for a minor PAN card application, followed by the date of birth proof of the child. However, if you choose the Aadhaar card as the address and identity proof, you have to upload the child’s Aadhaar card. Here is the list of documents you can provide:

Identity Proof

You can provide the following documents as identity proof:

• Aadhaar card (of the minor child)
• Ration card
• Passport
• Voter’s ID card
• Driving license
• Any other government-authorised photo ID proof

Address Proof

The following documents can be presented as address proof:

• Aadhaar card (of the child)
• Passport
• Driving license
• Voter’s ID card
• Post office passbook
• Domicile certificate
• Property registration document
• The original address certificate signed by a Gazetted officer, Member of Legislative Assembly, Member of Parliament or Municipal Council
• A copy of the electricity bill, landline or broadband bill, water bill, gas connection document, bank statement, or credit card statement (not older than 3 months) can be submitted as proof of address.

Proof of Birth

Here is the list of the child’s date of birth proof that you can present:

• Birth certificate
• Passport
• Aadhaar card
• Government-issued photo ID proof
• Mark sheet of a recognised board of education
• Affidavit as proof of birth verified by a Magistrate
• Domicile certificate

Fees for Minor PAN Card Application

The table below illustrates the applicable fees for PAN card issuance:

Process to Update a Minor PAN Card to a Regular PAN Card

The minor PAN card age limit is until the child attains the age of 18. Once the individual becomes a legal adult, the PAN card must be updated to a regular PAN card by following the process outlined below.

Step 1: Go to the official website of NSDL.

Step 2: Choose the application type 'Changes or Corrections in Existing PAN data/ Reprint of PAN card' and 'Individual' as the category.

Step 3: Choose the document submission mode as online or offline, and if you want a physical PAN card.

Step 4: Fill in the PAN card number, date of birth, name, and gender as per the minor PAN card. Select ‘Photo Mismatch’ and ‘Signature Mismatch’ checkboxes and submit a recent photo and signature.

Step 5: Fill in the additional details (if required).

Step 6: Submit the application, attaching photographs and a signature.

Step 7: Pay the applicable fees and collect the acknowledgement number to track the application in future.

Final Words

A minor PAN card helps children create a financial identity from an early age. Parents can invest in their child’s name and help them earn higher returns over the years. Further, parents can make their child a nominee in their shares, properties and other financial investments. 

Having a PAN card can additionally help parents book fixed deposits for children. However, if you are an adult looking for a high interest rate on a fixed deposit, you can check out Stable Money partner banks.

Download the Stable Money App now to book multiple fixed deposits with seamless digital KYC!