One can I open a bank account without PAN
The answer is yes! You can open a bank account without PAN Card.
But you should have an aadhaar

We just called and asked the state bank of India Manager, and they said “One can open a bank account without PAN Card but they should hold a valid aadhaar and there are some restrictions on transaction limits and other operations”

But later anytime you can apply for a PAN Card update your PAN number with the bank account