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Life changes after marriage and for many women along with a change of life also comes a change of name. Gwendolene Fernandes, a Mumbai-based teacher, is engaged and is about to get married in a few months to Anson Miranda, a musician and an information technology professional. Says Fernandes, “First I was wondering if I should replace my surname Fernandes with Anson’s surname Miranda after marriage or not. But then I thought I should change it, after all it’s a sign of unity, and also it’s cool." While this 20-something will go for the traditional and most popular choice, these days many women choose to retain their last name and some add their husband’s last name to it: heard of Aishwarya Rai Bachchan?

Taking the plunge: Gwendolene Fernandes will get married soon and wants to change her name after marriage. She will also have to change name in at least seven documents. Photo: Hemant Mishra/Mint.

Change of name and marriage certificate

Says Kiran Telang, a Mumbai-based certified financial planner, “There are two ways to change your name. One is to apply for name changed in the state government gazette. If your name change is due to marriage, you can also apply for a marriage certificate at the office of the registrar of marriage."

Keep in mind that it usually takes a month or two for the marriage certificate to reach you. Marriage certificate is the proof of registration of the marriage and a document that helps you get your new name updated across other financial and legal documents.

Paras Jain/Mint

Permanent account number (PAN)

The next step is to ensure that you get a change of surname on your PAN card. These days it’s almost impossible to do any financial transactions without giving a copy of the PAN card.

Says Pankaj Mathpal, a Mumbai-based certified financial planner, “When there is a change of surname post marriage, you need to update your PAN card. The procedure is simple. It’s similar to applying for a new card, the only difference is that you will need to provide your old card number to the authorities. Your new PAN card will carry the old number, but with a new name."

Keep in mind that you will have to submit your marriage certificate or a copy of the official government gazette, while applying for name change in the PAN card. Even a copy of a joint (with spouse) notarized affidavit will do, to get the PAN updated. Ensure that you inform your employer, chartered accountant and financial adviser about the change in the PAN card name so that your income-tax papers could get updated accordingly.

Banking relationships

The next step is to get all your banking relationships up-to-date with your new surname. Says Meenakshi A., head (operations), ING Vysya Bank Ltd, “In case of a woman needing name change after marriage, a marriage certificate is required to be produced for effecting the same in bank records. Banks as per their internal guidelines may seek additional documentation to authenticate the request."

Generally, the marriage certificate and the joint notarized affidavit from a notary get the job of name change done in banks. When you visit the bank branch, remember to update the change of address along with the name change request. Here, the bank may ask you for your husband’s address proof as well such as a copy of his passport.

Telang says, “Once your bank statements have your new name and new address, it more or less works as an address proof."

As far as the affidavit goes, it needs to state the maiden surname, the new changed surname, your photograph and signature as well as your husband’s signature. Usually this notarized affidavit and marriage certificate are needed to change surname on other documents. But keep in mind that getting a change of name at a bank is faster than getting it changed on the passport.

Credit report

Do ensure that you get the new surname on all your deposit accounts as well as any loan accounts. As far as credit report goes, this is one document where you get a respite from updating your name on you own. Meenakshi says, “Any changes in customer database, including name and address, get refreshed every month for all loan customers by the bank to Credit Information Bureau (India) Ltd."

Passport

If you already have a passport and need to update your post-marriage new surname, you will have to apply for a re-issue of passport and not a fresh passport. Though the application process remains the same, the documents you will need to get a reissued passport due to name change will be different.

For instance, along with marriage certificate, you will have to submit the old passport in original with a self-attested photocopy and a copy of the husband’s passport.

Other documents

Other documents where you will need to update your new surname are driving licence, voter’s identity card and the like. Mathpal says, “As far as insurance policies go, if you are a nominee, ensure that the correct name is mentioned. You don’t want your old name mentioned as a nominee when you have already changed to a new name. That will only increase problems in the future."

Also, with a new surname and a possibly new address, you will need to get your know-your-client information updated; name change across other financial investments, such as mutual funds and shares will follow.

Telang says, “If it’s a property that you own, get the name change updated. Say you own a house, inform the society about the change of surname."

Ensure there is uniformity in all your financial documents. Of course it’s not as easy as it sounds and you probably have to spend a month or so to get all this done. But it’s best done sooner than later to avoid problems in the future. And if you are a man who wants to take your wife’s surname along with yours, the process still remains the same.

bindisha.s@livemint.com

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