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Minor to Major PAN Card Update: Why and How to Do It (2025 Guide)

Introduction

A Permanent Account Number (PAN) card is an essential identity and financial document issued by the Income Tax Department of India. Minors can also obtain a PAN card for investments, bank accounts, or property transactions. However, once a minor turns 18 years old, their PAN card must be updated to a major PAN card to avoid legal and financial issues.

In this guide, we will explain why updating a minor PAN to a major PAN is necessary and provide a step-by-step process to update your PAN card in 2025.


Why Should You Update a Minor PAN to a Major PAN?

1. To Update Signature & Photograph

  • A minor PAN card does not have the applicant’s signature (as minors cannot sign legal documents).
  • Once the minor turns 18, they must provide their own signature and a new photograph.

2. To Avoid Banking & Financial Issues

  • Banks require an updated PAN for loan applications, investments, and major financial transactions.
  • A minor’s PAN can restrict financial activities, requiring an update for full account access.

3. To File Income Tax Returns (ITR)

  • Minors are not required to file ITR unless they have significant income.
  • After turning 18, individuals need an updated PAN to file taxes and link to Aadhaar.

4. For KYC Compliance in Investments & Banking

  • Investment platforms, banks, and government services require KYC updates for account holders turning 18.
  • Without updating PAN, the minor’s investment accounts may be blocked or frozen.
  • Aadhaar-PAN linking is mandatory under Indian tax laws.
  • Updating a minor PAN to a major PAN is required before linking it with Aadhaar.

Step-by-Step Guide to Update Minor to Major PAN Card

Step 1: Visit the PAN Update Portal

OR

Step 2: Fill Out the PAN Update Form

  1. Enter your existing PAN number.
  2. Select ‘Correction in PAN’.
  3. Check the boxes for:
    • Photo Update (Upload a new photograph)
    • Signature Update (Upload your own signature)
    • DOB Verification (Ensure it reflects adulthood)
  4. Enter your Aadhaar number (for verification).

Step 3: Upload Required Documents

Requirement Documents Needed
Proof of Identity Aadhaar Card, Voter ID, Passport
Proof of Address Aadhaar Card, Utility Bill, Passport
Proof of DOB Birth Certificate, 10th Marksheet, Aadhaar
Recent Photograph Passport-size color photo
Signature Proof Sign on white paper & upload a scanned copy

Step 4: Pay the Processing Fee

  • ₹107 – For applicants in India
  • ₹1,017 – For NRIs and foreign applicants
  • Payment options: Credit/Debit Card, Net Banking, UPI

Step 5: Verify & Submit the Application

  • Complete OTP verification using Aadhaar.
  • If Aadhaar is not linked, use digital signature or scanned documents.
  • Click Submit and note down the 15-digit acknowledgment number.

Step 6: Track Your PAN Update Status

  • Visit the PAN Tracking Portal.
  • Enter your acknowledgment number.
  • View the status of your PAN update request.

Step 7: Receive Your Updated PAN Card

  • e-PAN: Downloadable within 48 hours.
  • Physical PAN: Delivered via Speed Post in 7-15 business days.

Frequently Asked Questions (FAQs)

1. Can I Continue Using My Minor PAN After Turning 18?

No, you must update your PAN to reflect your signature and photograph to avoid restrictions.

2. Is There a Deadline to Update a Minor PAN?

No fixed deadline, but it is highly recommended to update the PAN immediately after turning 18.

3. Can I Update My PAN Without Aadhaar?

Yes, but you must provide alternative ID proofs like a Passport or Voter ID.

4. How Long Does It Take to Update a Minor PAN to Major PAN?

  • e-PAN: 48 hours
  • Physical PAN: 7-15 business days

5. What Happens If I Don’t Update My Minor PAN?

  • You may face banking and financial restrictions.
  • KYC verification issues for investments and accounts.
  • Aadhaar-PAN linking failure.

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Conclusion

Updating a minor PAN to a major PAN is crucial for financial and legal compliance. Once you turn 18, ensure you complete this process to avoid banking, investment, and tax-related issues.

For a durable and high-quality PAN Card, consider printing it on a PVC card for long-lasting use.

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