Today PAN (Permanent Account Number) card is necessary for financial area. For opening a bank account , for signing up at Paypal, as a identity card. PAN card is required for these things. There is a good news that we can apply for PAN online today. We can apply for PAN From here. But there is problem especially for South Indians is Initials along their name. But we got some remedies. If your name contains initial You please expand the Initial and write along them. But you have to submit the Proof of ID and residence should be in the expanded form. If you have no such documents. You can submit  Certificate of identity signed by Member of Parliament or Member of Legislative Assembly or Municipal Councillor or a Gazetted Officer. But it should be in this Format .