Minor PAN Card: When Is a Child’s PAN Card Needed, and How Can You Apply for One?

G GOWTHAM
If you are planning investments or managing finances in your child’s name, a Minor PAN card can be an essential document. Issued by the Income Tax Department of India, a Minor PAN is linked to the parent or legal guardian and helps track financial transactions made on behalf of the child.

Here’s everything you need to know—when it’s required and how to get one.

When Is a Minor PAN Card Needed?

A child does not need a PAN card for everyday purposes, but it becomes mandatory in several financial situations:

1. Investments in the Child’s Name

A Minor PAN is required if you:

  • Open mutual fund accounts
  • Invest in stocks or bonds
  • Buy fixed deposits or post office schemes in the child’s name
2. bank Accounts for Minors

Banks may ask for a Minor PAN when:

  • Opening a minor savings account
  • Linking large deposits or investments to the account
3. Taxable Income in the Child’s Name

If the child earns income from:

  • Investments
  • Inheritance
  • Gifts (in certain cases)
The income is usually clubbed with the parent’s income, but a PAN is still required for reporting and compliance.

4. Scholarships or Professional Earnings

Children earning income from:

  • Acting, sports, modeling
  • YouTube or wallet PLATFORM' target='_blank' title='digital-Latest Updates, Photos, Videos are a click away, CLICK NOW">digital platforms
  • Sponsored events or prize money
may require a PAN for payments, TDS, or legal contracts.

Who Can Apply for a Minor PAN Card?

  • A parent or legal guardian can apply on behalf of the child.
  • The application must include the guardian’s PAN details, which will be linked to the Minor PAN.
How to Apply for a Minor PAN Card

Online Method

Visit the official PAN service portals (NSDL or UTIITSL).

Choose the option for New PAN – Minor.

Fill in the child’s details and guardian information.

Upload required documents.

Pay the application fee.

Complete e-verification.

Offline Method

Fill Form 49A.

Attach photocopies of required documents.

Submit the form at a PAN service center.

Documents Required

  • Child’s birth certificate (proof of age)
  • Address proof (usually parent’s address)
  • Parent/guardian’s PAN card
  • Photograph of the child (if required)
What Happens When the Child Turns 18?

Once the child becomes a major:

  • The Minor PAN must be updated to a regular PAN
  • Fresh documents, signature, and photograph are required
  • The PAN number remains the same, only the status changes
Bottom Line

A Minor PAN card is essential for financial planning, investments, and compliance in a child’s name. Applying early helps avoid last-minute hassles, especially if you’re investing for your child’s future. Since the process is simple and can be done online, it’s a smart step for parents planning long-term wealth creation.

Disclaimer:

The views and opinions expressed in this article are those of the author and do not necessarily reflect the official policy or position of any agency, organization, employer, or company. All information provided is for general informational purposes only. While every effort has been made to ensure accuracy, we make no representations or warranties of any kind, express or implied, about the completeness, reliability, or suitability of the information contained herein. Readers are advised to verify facts and seek professional advice where necessary. Any reliance placed on such information is strictly at the reader’s own risk.

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