" This is a common practice adopted by most married women. In such a case, the logical thing to do would be the marriage registration.
Legally, there are two ways to go for the name change. One is to submit a joint notarised affidavit or a copy of the official government gazette mentioning your new name. Then your husband and you would need to make a joint notarised affidavit on stamp paper, signed by a magistrate or a notary. The affidavit also carries a joint photograph of your husband and you. This notarised affidavit, along with your marriage certificate, is enough to change your name at the bank, on your passport, on the Permanent Account Number (PAN) and driving licence.
Then the second step would be to apply for a new passport. Then there would be a deletion of your name from the old ration card and its addition to the new one. Similarly, you have to apply for a new PAN card with the old number. This would be to avoid duplication of PAN. Only after you complete the whole procedure, should you proceed with purchase of assets, joint holdings and fair distribution of expenses. "
for more details kindly go through the following site:
https://www.karmayog.org/citizenservices/citizenservices_13377.htm