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Empower Your Savings Journey with PNB


21, January 2026

Welcome to our complete guide on Punjab National Bank's (PNB) savings accounts. Whether you're new to banking or a seasoned customer, we've got you covered. In this blog, we'll explore important topics like interest rates, minimum balances, account types, and more. By the end, you'll have the information to confidently plan your financial future with PNB. Let's dive in!

Punjab National Bank (PNB)

Ever heard of PNB? It's short for Punjab National Bank, one of India's top public sector banks! Since 1894, it's been a go-to bank for people, businesses, and even big institutions. PNB has branches all over India and offers a bunch of digital banking options too.

They help millions with savings accounts, loans, and other money-related stuff. In simple terms, PNB is a big, reliable bank that's been around for ages, helping people manage their finance better.

How to open PNB savings Account?

To open savings account PNB, you have two options to choose from:

In-branch:

  1. Visit your nearest PNB branch.
  2. Bring ID proof, address proof, PAN card, Form 16 (if applicable), and passport-sized photos.
  3. Fill out the form provided.
  4. Submit the form and documents.
  5. The bank will verify and process your request.
  6. Once it's all good, you'll get your account details, including your account number and a debit card if you asked for one.

Online:

To open PNB online saving account, follow these steps:

  1. Go to the PNB website or use their mobile app.
  2. Click on "Open New Savings Account."
  3. Enter your personal and contact info.
  4. Upload scans of your ID, address proof, PAN card, and a small photo.
  5. Check everything and hit "Submit."
  6. After they check, you'll get your account details by email or text.
  7. If you want, ask for a debit card to be sent to your address. Easy!

PNB Rate of Interest on Savings Account:

A PNB savings account is a safe place to keep your money and handle your finances. You can access it easily through branches or online. PNB offers different types of accounts to fit your needs, like basic ones or ones for retirement savings. Plus, they give good interest rates, which means your money grows faster. As of 2024, PNB bank interest rates on savings account may vary, so remember to check their website for the latest rates: https://www.pnbindia.in/Interest-Rates-Deposit.html

Types of PNB Savings Account:

PNB offers various savings accounts:

Regular Savings:

  • PNB Unnati Saving Fund Account: Common, with PNB passbook savings account, or debit card options, needs a minimum balance based on location.
  • PNB Secured Saving Scheme: More interest but needs a higher minimum balance.

Special Savings:

  • PNB Junior Saving Fund Account: For kids aged 10 and up, with a parent as a joint account holder.
  • PNB Women Power Saving Scheme: Offers perks and better rates for women.
  • PNB Samman Saving Account Scheme: Special for Scheduled Castes and Tribes, with relaxed rules and lower balances.
  • PNB Pension Savings Account: Made for pensioners, with features like automatic pension deposits.

Also Read: Pensionseva

Other Options:

  • Basic Savings Bank Deposit Account (BSBDA): Simple banking with low fees and minimum balance.
  • Salary Savings Account Scheme: For employees, often with free or discounted services.

Minimum Balance Requirements

To keep a savings account with PNB, you must keep a minimum balance set by the bank. This amount can vary based on your account type and location. But PNB also offers zero balance accounts, so you can use their services without needing to keep a minimum balance.

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The Simple Requirements for Opening a Joint Savings Account with PNB

Opening a joint savings account with PNB is a breeze, but you'll need a few things:

  1. Account Holders: Both you and your joint account holder(s) need to be present.
  2. Identification: Bring along valid IDs and address proofs like Aadhar card or passport.
  3. Photos: Recent passport-sized photos of everyone on the account.
  4. Address Proof: Documents showing the address of all account holders, like utility bills.
  5. Signature: Everyone should sign the account opening form.
  6. Relationship Proof: If the joint holders are not related, documents proving the relationship might be needed.

Just make sure to check with PNB for any specific requirements before you go!

Easy Ways to Check Your PNB Savings Account Balance

PNB saving account minimum balance check is simple—all you have to do is follow these steps

  • Use PNB's internet banking or mobile app.
  • Send an SMS from your registered mobile number.
  • Visit a PNB ATM and check your balance using your debit card.
  • Visit a PNB branch and inquire with a customer service representative.

Pick the method that works best for you and stay on top of your finances effortlessly!

Additional Services and Facilities

  • Online Banking Services
  • ATM Access and Withdrawals
  • Standing Instructions for Regular Payments
  • Mobile Banking App Features
  • Bill Payment Services
  • Checkbook Issuance
  • Nomination Facility
  • Fund Transfer Options (NEFT, RTGS, IMPS)
  • Debit Card Facilities
  • Account Statement Requests
  • E-Statement Services

Consider Exploring: Types of Cheques in India Banking System

Customer Support and Assistance

PNB offer strong customer service and assistance to address any queries or troubles. Customers can reach out via numerous channels which include smartphone banking, e-mail, or with the aid of travelling a department for personalized help.

To sum up, PNB Savings Account give you plenty of selections for managing your cash. They offer good rates, don't ask for an awful lot to maintain your account open, and are easy to get to. Whether you want a ordinary account or something special, PNB has you covered with dependable banking. Plus, they've online banking and support group, making it easy to deal with your price range and grow your financial savings.

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Most Frequently Asked Questions?

What are the minimum balance requirements for PNB savings accounts?

Minimum balance requirements for PNB savings accounts vary by account type and location. Check directly with PNB or your account documentation for specific details.

Are there any special benefits for PNB savings account holders?

Yes, PNB savings account holders enjoy special benefits like competitive interest rates, online and mobile banking, exclusive offers, personalized account options, and dedicated customer support to enhance their banking experience.

Can I manage my PNB savings account online?

Yes, you can manage your PNB savings account online using internet banking or the mobile app. Check balances, view transactions, transfer funds, pay bills, and more, all from your computer or mobile device.

What is the PNB zero balance account withdrawal limit?

The withdrawal limit for a PNB zero balance account can vary depending on the specific type of account and the terms and conditions associated with it.

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