Punjab National Bank Charges & Fees

Trigger Condition

Punjab National Bank savings accounts.

Trigger Condition

Punjab National Bank accounts other than savings, at other banks' ATMs. The page states every transaction is chargeable from the first, so no free count is stored. The page states these charges apply to staff as well. Charges are exclusive of GST wherever applicable.

Trigger Condition

Punjab National Bank accounts other than savings, at other banks' ATMs, non-financial transactions. The page states every transaction is chargeable from the first, so no free count is stored. The page states these charges apply to staff as well. Charges are exclusive of GST wherever applicable.

Trigger Condition

Punjab National Bank customers making non-financial transactions at PNB's own ATMs. The page states these are free and sets no monthly count, so none is stored.

Trigger Condition

Punjab National Bank current accounts at PNB's own ATMs, at metro and non-metro locations alike; the page states the same free count and the same charge for both. Staff and ex-staff, cards issued in basic savings accounts, defence personnel and pensioners are exempt from the Rs 10 charge. Charges are exclusive of GST wherever applicable.

Trigger Condition

Punjab National Bank cards; an ATM cash withdrawal that fails for insufficient funds. The page states this applies with effect from 01-05-2023. Charges are exclusive of GST wherever applicable.

Trigger Condition

Punjab National Bank debit cards used for a balance enquiry at an ATM abroad. Applies only where the international facility has been opted for on the PNB debit card. The page notes the acquiring bank also levies its own charge of 2% to 4% on top, varying by country; that is recorded as a condition here because the page states no single figure for it. Charges are exclusive of GST wherever applicable.

Trigger Condition

At Bhutan ATMs other than Druk Bank, under RMA, for RuPay international cards. Applies only where the international facility has been opted for on the PNB debit card. The page notes the acquiring bank also levies its own charge of 2% to 4% on top, varying by country; that is recorded as a condition here because the page states no single figure for it. Charges are exclusive of GST wherever applicable.

Trigger Condition

At Druk Bank ATMs in Bhutan, for all PNB international debit cards. Applies only where the international facility has been opted for on the PNB debit card. The page notes the acquiring bank also levies its own charge of 2% to 4% on top, varying by country; that is recorded as a condition here because the page states no single figure for it. Charges are exclusive of GST wherever applicable.

Trigger Condition

At EBL ATMs in Nepal; the page states both figures as flat charges. Applies only where the international facility has been opted for on the PNB debit card. The page notes the acquiring bank also levies its own charge of 2% to 4% on top, varying by country; that is recorded as a condition here because the page states no single figure for it. Charges are exclusive of GST wherever applicable.

Trigger Condition

All other international transactions on a PNB debit card, outside the Bhutan and Nepal networks the page prices separately. Applies only where the international facility has been opted for on the PNB debit card. The page notes the acquiring bank also levies its own charge of 2% to 4% on top, varying by country; that is recorded as a condition here because the page states no single figure for it. Charges are exclusive of GST wherever applicable.

Trigger Condition

Punjab National Bank savings accounts at other banks' ATMs at metro locations. The page defines metro locations as Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad. The free monthly count is one pool covering financial and non-financial transactions together, not a separate allowance for each. The page states these charges apply to staff as well. Charges are exclusive of GST wherever applicable.

Trigger Condition

Punjab National Bank savings accounts at other banks' ATMs at metro locations, non-financial transactions. The page defines metro locations as Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad. The free monthly count is one pool covering financial and non-financial transactions together, not a separate allowance for each. The page states these charges apply to staff as well. Charges are exclusive of GST wherever applicable.

Trigger Condition

Punjab National Bank savings accounts at other banks' ATMs at non-metro locations. The page defines metro locations as Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad. The free monthly count is one pool covering financial and non-financial transactions together, not a separate allowance for each. The page states these charges apply to staff as well. Charges are exclusive of GST wherever applicable.

Trigger Condition

Punjab National Bank savings accounts at other banks' ATMs at non-metro locations, non-financial transactions. The page defines metro locations as Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad. The free monthly count is one pool covering financial and non-financial transactions together, not a separate allowance for each. The page states these charges apply to staff as well. Charges are exclusive of GST wherever applicable.

Trigger Condition

Punjab National Bank savings accounts at PNB's own ATMs, at metro and non-metro locations alike; the page states the same free count and the same charge for both. Staff and ex-staff, cards issued in basic savings accounts, defence personnel and pensioners are exempt from the Rs 10 charge. Charges are exclusive of GST wherever applicable.

Trigger Condition

PNB BSBDA only; limited to the explicit minimum 25 free cheque leaves per year. No beyond-allowance amount is inferred.

Trigger Condition

Punjab National Bank outward IMPS initiated at a branch. The page states the up-to-Rs-1,000 band is NIL on every channel. The page prices this transfer in four separate columns — Branch, Online CC/OD, Online Savings and Online Current — so this figure applies only to the column named here and never to another channel or account type. Charges are exclusive of GST wherever applicable.

Trigger Condition

Punjab National Bank outward IMPS initiated online from a cash credit or overdraft account. The page states the up-to-Rs-1,000 band is NIL on every channel. The page prices this transfer in four separate columns — Branch, Online CC/OD, Online Savings and Online Current — so this figure applies only to the column named here and never to another channel or account type. Charges are exclusive of GST wherever applicable.

Trigger Condition

Punjab National Bank outward IMPS initiated online from a current account, at every band. The page prices this transfer in four separate columns — Branch, Online CC/OD, Online Savings and Online Current — so this figure applies only to the column named here and never to another channel or account type. The page states no separate effective date for this IMPS column, so none is stored.

Trigger Condition

Punjab National Bank outward IMPS initiated online from a savings account. The page states the up-to-Rs-1,000 band is NIL on every channel. The page prices this transfer in four separate columns — Branch, Online CC/OD, Online Savings and Online Current — so this figure applies only to the column named here and never to another channel or account type. Charges are exclusive of GST wherever applicable.

Trigger Condition

Applies to all Punjab National Bank safe deposit locker holders. Delayed payment attracts penalty.

Trigger Condition

Punjab National Bank Basic Saving Bank Deposit Account only.

Trigger Condition

Punjab National Bank outward NEFT initiated at a branch. The page prices this transfer in four separate columns — Branch, Online CC/OD, Online Savings and Online Current — so this figure applies only to the column named here and never to another channel or account type. Charges are exclusive of GST wherever applicable.

Trigger Condition

Punjab National Bank outward NEFT initiated online from a cash credit or overdraft account. The page prices this transfer in four separate columns — Branch, Online CC/OD, Online Savings and Online Current — so this figure applies only to the column named here and never to another channel or account type. Charges are exclusive of GST wherever applicable.

Trigger Condition

Punjab National Bank outward NEFT initiated online from a current account, at every slab. The page prices this transfer in four separate columns — Branch, Online CC/OD, Online Savings and Online Current — so this figure applies only to the column named here and never to another channel or account type. The page states this NIL applies with effect from 12.10.2023.

Trigger Condition

Punjab National Bank outward NEFT initiated online from a savings account, at every slab. The page prices this transfer in four separate columns — Branch, Online CC/OD, Online Savings and Online Current — so this figure applies only to the column named here and never to another channel or account type. The branch column of the same table charges up to Rs 24.75 for the same transfer.

Trigger Condition

Punjab National Bank Savings Account online NEFT only; branch NEFT and other account-type/channel charges remain separate.

Trigger Condition

Punjab National Bank inward Auto Debit Mandate verification for individual account holders, successful cases only, charged once per fresh registration. The page states this applies with effect from 05.04.2024. Charges are exclusive of GST wherever applicable.

Trigger Condition

Punjab National Bank return on failure of a direct-debit transaction for insufficient funds, for individual account holders. The page states this applies with effect from 05.04.2024. Charges are exclusive of GST wherever applicable.

Trigger Condition

Punjab National Bank change of original instructions on a bill sent for collection — waiving the C form, free delivery, or extending the retirement time. Charges are exclusive of GST wherever applicable.

Trigger Condition

Punjab National Bank collection of local or outstation bills, outward and inward, up to Rs 10,000. The page adds out-of-pocket expenses on top of the Rs 100, and states no figure for them. The band above Rs 10,000 is priced at Rs 10 per thousand with a minimum and a maximum and is deliberately not stored, because no amount type here can represent it. Charges are exclusive of GST wherever applicable.

Trigger Condition

PNB BSBDA ATM/ATM-cum-Debit Card only.

Trigger Condition

PNB BSBDA ATM/ATM-cum-Debit Card only.

Trigger Condition

Punjab National Bank card or card-less cash deposit at a bunch note acceptor or cash deposit machine, in a savings, current, cash credit or overdraft account, up to Rs 2 lakh. The bands above Rs 2 lakh are priced per Rs 1,000 with a minimum and are deliberately not stored, because no amount type here can represent them.

Trigger Condition

Punjab National Bank debit card variants Master Business; the annual charge on the card. The page prices each card variant group apart, so this figure never reaches another variant. The page states these charges exclude taxes.

Trigger Condition

Punjab National Bank debit card variants Master Business; issuance of the card. The page prices each card variant group apart, so this figure never reaches another variant. The page states these charges exclude taxes.

Trigger Condition

Punjab National Bank debit card variants Master Business; replacement of the card or an add-on card. The page prices each card variant group apart, so this figure never reaches another variant. The page states these charges exclude taxes.

Trigger Condition

Punjab National Bank debit card variants RuPay NCMC Classic, Master Classic and VISA Classic; the annual charge on the card. The page prices each card variant group apart, so this figure never reaches another variant. The page states these charges exclude taxes.

Trigger Condition

Punjab National Bank debit card variants RuPay NCMC Classic, Master Classic and VISA Classic; issuance of the card. The page prices each card variant group apart, so this figure never reaches another variant. The page states these charges exclude taxes.

Trigger Condition

Punjab National Bank debit card variants RuPay NCMC Classic, Master Classic and VISA Classic; replacement of the card or an add-on card. The page prices each card variant group apart, so this figure never reaches another variant. The page states these charges exclude taxes.

Trigger Condition

Punjab National Bank duplicate or regenerated debit card PIN requested through a branch. Government-sponsored schemes are exempt. Charges are exclusive of GST wherever applicable.

Trigger Condition

Punjab National Bank duplicate or regenerated debit card PIN generated through Green PIN at an ATM. The page states this route is free, so the branch charge never reaches it.

Trigger Condition

Punjab National Bank debit card variants RuPay NCMC Platinum, RuPay International, RuPay JCB Platinum, Master Platinum, Master International and VISA Gold; the annual charge on the card. The page prices each card variant group apart, so this figure never reaches another variant. The page states these charges exclude taxes.

Trigger Condition

Punjab National Bank debit card variants RuPay NCMC Platinum, RuPay International, RuPay JCB Platinum, Master Platinum, Master International and VISA Gold; issuance of the card. The page prices each card variant group apart, so this figure never reaches another variant. The page states these charges exclude taxes.

Trigger Condition

Punjab National Bank debit card variants RuPay NCMC Platinum, RuPay International, RuPay JCB Platinum, Master Platinum, Master International and VISA Gold; replacement of the card or an add-on card. The page prices each card variant group apart, so this figure never reaches another variant. The page states these charges exclude taxes.

Trigger Condition

Punjab National Bank debit card variants VISA Signature and RuPay Select; the annual charge on the card. The page prices each card variant group apart, so this figure never reaches another variant. The page states these charges exclude taxes.

Trigger Condition

Punjab National Bank debit card variants VISA Signature and RuPay Select; issuance of the card. The page prices each card variant group apart, so this figure never reaches another variant. The page states these charges exclude taxes.

Trigger Condition

Punjab National Bank debit card variants VISA Signature and RuPay Select; replacement of the card or an add-on card. The page prices each card variant group apart, so this figure never reaches another variant. The page states these charges exclude taxes.

Trigger Condition

Punjab National Bank debit card variants RuPay Classic Kisan, RuPay PMJDY, RuPay Pungrain and RuPay Mudra; the annual charge on the card. The page prices each card variant group apart, so this figure never reaches another variant. The page states these charges exclude taxes.

Trigger Condition

Punjab National Bank debit card variants RuPay Classic Kisan, RuPay PMJDY, RuPay Pungrain and RuPay Mudra; issuance of the card. The page prices each card variant group apart, so this figure never reaches another variant. The page states these charges exclude taxes.

Trigger Condition

Punjab National Bank debit card variants RuPay Classic Kisan, RuPay PMJDY, RuPay Pungrain and RuPay Mudra; replacement of the card or an add-on card. The page prices each card variant group apart, so this figure never reaches another variant. The page states these charges exclude taxes.

Trigger Condition

Punjab National Bank internet banking and mobile banking registration.

Trigger Condition

Punjab National Bank doorstep banking for general customers; a financial service delivered through an authorised third-party agent. The page prices the branch route and the agent route apart, so neither figure reaches the other route. Charges are exclusive of GST wherever applicable.

Trigger Condition

Punjab National Bank doorstep banking for general customers; a financial service delivered through a branch. The page prices the branch route and the agent route apart, so neither figure reaches the other route. Charges are exclusive of GST wherever applicable.

Trigger Condition

Punjab National Bank doorstep banking; pick-up of a life certificate from a pensioner or family pensioner. Charges are exclusive of GST wherever applicable.

Trigger Condition

Punjab National Bank doorstep banking for general customers; a non-financial service delivered through an authorised third-party agent. The page prices the branch route and the agent route apart, so neither figure reaches the other route. Charges are exclusive of GST wherever applicable.

Trigger Condition

Punjab National Bank doorstep banking for general customers; a non-financial service delivered through a branch. The page prices the branch route and the agent route apart, so neither figure reaches the other route. Charges are exclusive of GST wherever applicable.

Trigger Condition

Punjab National Bank doorstep banking for senior citizens above 70 and differently abled persons, through the base branch. The page states this applies with effect from 01.07.2019. Conditions stated on the page: the registered address must be within 5 km of the base branch in metro, urban or semi-urban areas and within 2 km in rural areas, and cash deposit or withdrawal is capped at Rs 20,000 per day. Charges are exclusive of GST wherever applicable.

Trigger Condition

Punjab National Bank doorstep banking for senior citizens above 70 and differently abled persons, through the base branch. The page states this applies with effect from 01.07.2019. Conditions stated on the page: the registered address must be within 5 km of the base branch in metro, urban or semi-urban areas and within 2 km in rural areas, and cash deposit or withdrawal is capped at Rs 20,000 per day. Charges are exclusive of GST wherever applicable.

Trigger Condition

Punjab National Bank duplicate password, for an offline request made at a branch. Charges are exclusive of GST wherever applicable.

Trigger Condition

Punjab National Bank ECS debit clearing. The page prices this per transaction with a floor; the dataset has no amount type that applies a per-transaction rate with a minimum, so the charge is published in the page's own words rather than as a flat figure that would be computed against the wrong basis. Charges are exclusive of GST wherever applicable.

Trigger Condition

Punjab National Bank return of an ECS debit for insufficient funds. Charges are exclusive of GST wherever applicable.

Trigger Condition

Punjab National Bank ECS on income-tax refund orders. The page states no ECS charges at all apply to these, so the ECS debit clearing and ECS return charges above do not reach them.

Trigger Condition

Punjab National Bank cards; a domestic or international e-commerce transaction that fails for insufficient funds. The page states this applies with effect from 07-12-2023. Charges are exclusive of GST wherever applicable.

Trigger Condition

Punjab National Bank cards; a domestic point-of-sale transaction that fails for insufficient funds. The page states this applies with effect from 07-12-2023. Charges are exclusive of GST wherever applicable.

Trigger Condition

Punjab National Bank cards; an international point-of-sale transaction that fails for insufficient funds. The page states this applies with effect from 07-12-2023. Charges are exclusive of GST wherever applicable.

Trigger Condition

Punjab National Bank debit cards used at a point of sale or for e-commerce abroad. Applies only where the international facility has been opted for on the PNB debit card. The page states the charge as a share of the transaction; the dataset has no amount type that applies a percentage to a transaction amount, so it is published in the page's own words rather than as a figure computed against the wrong basis. The page notes the acquiring bank also levies its own charge of 2% to 4% on top, varying by country; that is recorded as a condition here because the page states no single figure for it. Charges are exclusive of GST wherever applicable.

Trigger Condition

Punjab National Bank interoperable cash deposit with a card through a cash recycler machine or bunch note acceptor. Charges are exclusive of GST wherever applicable.

Trigger Condition

Punjab National Bank return of a NACH debit for insufficient funds. Charges are exclusive of GST wherever applicable.

Trigger Condition

Punjab National Bank inward NACH mandate verification, physical mandate or e-mandate, charged per mandate on acceptance. Charges are exclusive of GST wherever applicable.

Trigger Condition

Punjab National Bank outward NACH credit and debit transactions of corporates. The page prices this per record with a floor; the dataset has no amount type that applies a per-record rate with a minimum, so the charge is published in the page's own words rather than as a flat figure that would be computed against the wrong basis. Charges are exclusive of GST wherever applicable.

Trigger Condition

Punjab National Bank outward NACH mandate of corporates, charged per mandate on acceptance. Charges are exclusive of GST wherever applicable.

Trigger Condition

Punjab National Bank prepaid cards holding more than Rs 500 at expiry. Charges are exclusive of GST wherever applicable.

Trigger Condition

Punjab National Bank prepaid cards; issuance. Charges are exclusive of GST wherever applicable.

Trigger Condition

Punjab National Bank prepaid cards; surrender of the card and transfer of the unutilised balance. Charges are exclusive of GST wherever applicable.

Trigger Condition

Punjab National Bank transfer of the entire balance in a savings account to another bank at closure. The page prices this as a pass-through of the applicable remittance charges plus out-of-pocket expenses and states no figure, so it is published in the page's own words and no amount is stored. This is a remittance charge on the outgoing transfer, not an account-closure charge; the Non-Credit Related Service Charges page does not carry PNB's account-closure schedule. Charges are exclusive of GST wherever applicable.

Trigger Condition

Punjab National Bank savings accounts. The page states 25 paise per SMS subject to a maximum of Rs 15 per quarter; the per-SMS figure is stored and the quarterly ceiling is recorded here because no amount type carries a per-unit rate with a periodic cap. The page states this applies with effect from 1 July 2022. Charges are exclusive of GST wherever applicable.

Trigger Condition

Punjab National Bank accounts other than savings. The page states 25 paise per SMS subject to a maximum of Rs 25 per quarter; the per-SMS figure is stored and the quarterly ceiling is recorded here because no amount type carries a per-unit rate with a periodic cap. The page states this applies with effect from 1 July 2022. Charges are exclusive of GST wherever applicable.

Trigger Condition

Punjab National Bank outward RTGS initiated at a branch. The page prices this transfer in four separate columns — Branch, Online CC/OD, Online Savings and Online Current — so this figure applies only to the column named here and never to another channel or account type. Charges are exclusive of GST wherever applicable.

Trigger Condition

Punjab National Bank outward RTGS initiated online from a cash credit or overdraft account. The page prices this transfer in four separate columns — Branch, Online CC/OD, Online Savings and Online Current — so this figure applies only to the column named here and never to another channel or account type. Charges are exclusive of GST wherever applicable.

Trigger Condition

Punjab National Bank outward RTGS initiated online from a current account, at every slab. The page prices this transfer in four separate columns — Branch, Online CC/OD, Online Savings and Online Current — so this figure applies only to the column named here and never to another channel or account type. The page states this NIL applies with effect from 12.10.2023.

Trigger Condition

Punjab National Bank outward RTGS initiated online from a savings account. The page prices this transfer in four separate columns — Branch, Online CC/OD, Online Savings and Online Current — so this figure applies only to the column named here and never to another channel or account type. Charges are exclusive of GST wherever applicable.