Punjab National Bank (PNB)

Punjab National Bank, commonly known by its abbreviated form of PNB, is a public sector commercial bank and is counted among the top banks in India.

It was founded in May 1894 which makes it 129 years old. The bank is owned by the Government of India. PNB offers various banking services related to personal banking such as PNB savings account, fixed deposits, current accounts, loans (personal loan, home loan, car loan, etc.), credit cards and debit cards to name a few. All these services can be managed using the PNB net banking or mobile banking options.

Here, we will talk about the PNB savings account interest rates, types of savings accounts, debit cards, credit cards and more that the bank offers along with PNB customer care numbers (1800 1800/ 1800 2021).

PNB Savings Account Interest Rate, 2023

PNB offers competitive interest rates to its savings account holders, viz.:

Disclaimer: Interest rates are subject to change. Please check the bank website for the most-recent data.

Types of PNB Savings Accounts

The following are some of the savings accounts offered by Punjab National Bank to Indian residents:

1. PNB Unnati Savings Fund Account
2. PNB Basic Saving Bank Deposit Account (BSBDA)
3. PNB Power Savings Account
4. PNB Samman Savings Account (for senior citizens)
5. PNB Junior SF Account (for minors)
6. PNB Pratham Savings Account
7. PNB Select Savings Account

PNB Debit Cards

The following are the different kinds of debit cards offered by Punjab National Bank:

• PNB Rupay Select Debit Card
• PNB Visa Signature Debit Card
• PNB Rupay NCMC Platinum Debit Card
• PNB Visa Gold Debit Card
• PNB Visa Classic Debit Card
• PNB NCMC Classic RuPay Debit Card
• PNB Virtual Debit Card through PNB One

To know about the features and eligibility criteria of Punjab National Bank debit cards, go to PNB Debit Card page.

PNB Credit Cards

The following are the types of credit cards offered by PNB to its existing customers:

1. The PNB Global Platinum Credit Card
2. The PNB Global Gold Card
3. The PNB Global Classic Credit Card
4. The PNB RuPay Platinum Card
5. The PNB RuPay Select Card
6. The PNB Rupay Millennial Card
7. The PNB Rakshak RuPay Platinum Card
8. The PNB Rakshak RuPay Select Card
9. The PNB Visa Signature Card
10. The PNB Wave & PayCredit Card
11. The PNB Patanjali RuPay Select Card
12. The PNB Patanjali RuPay Platinum Card

To every Rs 100 you spend using your PNB credit card, you earn 1 reward point. These points can easily be redeemed under the exclusive rewards program. With PNB Global credit card, you get up to 2 add-on cards for your spouse, parents or ward (of 18 years of age or above). These credit cards are globally accepted and come with a 24-hour toll-free customer support.

PNB Balance Enquiry

To check your PNB account balance, there are multiple ways to do it, viz.:

PNB balance check missed call number:  

Toll-free number: 1800 180 2223

Tolled number: 0120-2303090

PNB balance check by SMS:

               BAL<space>16 digits Account Number to 5607040

Make sure to send these queries from your registered mobile number only.

For more options: PNB Balance Enquiry

Punjab National Bank Loans

There are various types of loans offered by Punjab National Bank which include the likes of these:

• PNB Housing Loans (or home loans): for government employees, general public and Pradhan Mantri Awas Yojna
• PNB Vehicle Loans: Pride Car Loan for government employees, Car Loan for general public, Power Ride loan for two-wheelers for women and more
• PNB Education Loans: PNB Saraswati, PNB Pratibha and PNB Kaushal
• PNB Personal Laons: For public, pensioners and Scheme for Advance against Gold Jewellery/Gold Ornaments (aka Gold Loan) and Advance against Sovereign Gold Bonds

These are the basic retail loans offered by Punjab National Bank.

PNB Customer Care

The following are the important customer care numbers to contact the PNB customer support to register grievances, feedback or queries:

• PNB toll-free numbers
  • 1800 1800
  • 1800 2021
  • 1800 180 2222
  • 1800 103 2222
• PNB Customer Care Number for Global Users
  • +91 120 249 0000
• For PNB Debit Card Hotlisting
  • SMS HOT>space>Card Number to 5607040
• PNB NRI Heldesk:
  • +91-11- 28044202, +91-11-28044201

Another option includes Punjab National Bank ATM. Here, you can chip-in your PNB debit card and check your account balance instantly. You’ll be required to enter you debit card PIN to initiate the balance enquiry.

Visit here for more information: PNB Customer Care

Punjab National Bank – NRI Services

The following NRI accounts can be opened in PNB:

• FCNR (B) Account: {Foreign Currency (Non Resident) Accounts (Banks)}
• NRE Account: Non-Resident External Account
• NRO Account: Non-Resident Ordinary Account
• RFC Account: Resident Foreign Currency Account
• PNB Global Deposits Scheme

The following are the PNB NRI Toll Free Numbers –

• United States of America: + 18444519295
• United Kingdom: + 448000318030
• United Arab Emirates (UAE): + 800035770298 T

PNB Internet Banking

PNB netbanking is the online mode of doing banking. It offers the following features and benefits to its customers:

• 24×7 availability
• One-time registration
• Fund transfer modes such as NEFT, RTGS, etc.
• Balance enquiry
• PNB mini statement and more

Know: How to do PNB Netbanking login?

Punjab National Bank Mobile Banking

PNB One is the all-in-one mobile banking app offered by the Punjab National Bank for all its customers, especially retail customers. You need to register on the app once with Aadhaar OTP post which your mobile banking account will be active. You can avail of the following banking services using the PNB One Mobile Banking App:

• UPI Payments
• Avail of Pre-approved credit card(s)
• Avail of Pre-approved personal loan
• Check PNB balance
• Track transactions
• Open fixed deposit and more

For more, go to PNB Mobile Banking article.

How to Transfer Funds online from PNB Savings Account?

Here, we are giving you a brief step-by-step guide on how to send money from your PNB account via netbanking:

Step 1: Log into PNB netbanking account.

Step 2: Choose Transfer/RTGS/NEFT (to other accounts within PNB or other Banks)

Step 3: Select mode of transfer (NEFT or RTGS).

You can also choose the option of “Transfer to accounts within PNB”.

Step 4: Add beneficiary from the list of added ones (if it’s a newly added name, wait for 24 hours and then proceed).

Step 5: Select your PNB account.

Step 6: Enter bank account details (to and fro), amount to be transferred and remarks.

Step 7: Enter OTP and transaction password to complete the only fund transfer option.

Online Payment Modes in PNB

The following are the various modes via which one may transfer funds from their PNB account to any other bank’s account:

NEFT

National Electronic Funds Transfer is an electronic way of sending money from your bank account to any other bank account. PNB, just like all the other commercial banks in India, offers this service as well, i.e. PNB NEFT. The service is available 24×7 via the digital mode. However, if you choose the physical mode of going to the bank, you’ll be required to submit PNB NEFT form and also pay NEFT charges applicable basis the amount. With this, you should also check the PNB bank timings so as to avoid long queues or a closed door.

RTGS

Real Time Gross Settlement is a system via which you can transfer an amount of Rs 2 lakhs of more from your PNB account using the PNB netbanking or mobile banking option. Another way is to go to the bank and submit a duly-filled and signed PNB RTGS form at the bank. You must know about the PNB RTGS charges and limit as well.

IMPS

IMPS or Immediate Payments System, is an online way of transferring money within seconds. You can simply log into your PNB internet banking account or mobile banking and initiate the transfer by selecting IMPS as the mode of transfer.

Know More: PNB IMPS Charges

UPI

This is a fairly new entrant in the online banking system and is widely used by a large number of people in India. You can use PNB UPI or any other UPI app to use this service. It requires you to create a UPI ID and set a password for the same. With this, you do not need to share accounts details with the beneficiary. All you need is their UPI ID or mobile number or QR code to send money directly to their bank account from your PNB account.

Must Read: UPI Charges

Cheque

This is an age-old way of safely sending money to someone else’s account or even to your account, i.e. using cheque. It is suggested that your use an account bearer cheque only as it has the highest security. However, it is the slowest way of sending funds. 

Also Read: Demand Draft

Another option is sending funds via USSD in which you do not need an internet connection or even a smartphone. All you need is the USSD details of the beneficiary and the money is sent.

Punjab National Bank: FAQs