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You can use your PAN Card before marriage and even after marriage. To avoid any future problems, however, it is recommended that you change the card's name. Opening a bank account will require the same name as for your PAN Card.
To change your PAN Card name, it's easy. Visit NSDL. Complete the online form to request a Pan Card Change Request Form and then send the documents to the address provided.
Your PAN Number will remain the same. It is only your name that will change.