Online Account Opening in Punjab National Bank – Punjab National Bank (PNB) is one of the India’s leading public sector banks. It offers a seamless online account opening process for savings and current accounts. With over 12,000 branches and a robust digital platform, PNB makes banking accessible through its Online Account Opening Portal and PNB One app.
How to Open a Punjab National Bank Account Online
PNB provides two convenient methods for online account opening: the Online Savings Account (OSA) portal and Video KYC. Here’s how to proceed:
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Visit the PNB Website or PNB One App:
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Go to PNB’s official website or download the PNB One app from the Play Store/App Store.
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Select “Open Savings Account” or “Open Current Account” under Online Services.
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Fill the Application Form:
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Enter personal details (name, mobile number, email ID).
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On submission, receive a Temporary Customer Reference Number (TCRN) via SMS and email.
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Complete KYC:
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Video KYC: Schedule a video call with a PNB representative. Provide Aadhaar, PAN, and other details for verification.
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OSA Portal: Upload KYC documents (Aadhaar, PAN, address proof) and submit. Visit a branch for final verification if required.
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Account Activation:
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After verification, the account is activated within 3–5 working days. Receive account details via email/SMS.
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Note: Customers with an existing PNB Customer ID cannot use the online portal for new account opening and must visit a branch.
Eligibility
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Residency: Indian residents or Non-Resident Indians (NRIs) for specific NRI accounts.
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Age: 18+ years; minors (10+ years) can open accounts with a guardian.
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KYC Compliance: Valid identity and address proof required.
Required Documents
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Identity Proof: Aadhaar, PAN, passport, or voter ID.
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Address Proof: Aadhaar, utility bill, or rental agreement.
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Photographs: Two recent passport-sized photos.
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Additional: Income proof or business documents for current accounts.
Benefits of PNB Online Account Opening
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Convenience: Open an account from home without branch visits (Video KYC option).
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Fast Processing: Account activation within days post-verification.
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Digital Access: Immediate access to PNB One app, internet banking, and UPI services.
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Variety of Accounts: Choose from General Savings, Premium Savings, Junior SF for minors, or business-oriented current accounts.
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Secure Banking: Backed by RBI regulations and a 125-year legacy.
FAQs
Q: Who can open a PNB account online?
A: Indian residents, NRIs, and minors (10+ years) with a guardian can open accounts online, provided they have valid KYC documents.
Q: What documents are required for online account opening?
A: You need Aadhaar, PAN, address proof (e.g., utility bill), and two passport-sized photos. Current accounts may require additional business documents.
Q: Can existing PNB customers open a new account online?
A: No, customers with an existing PNB Customer ID must visit a branch to open additional accounts.
Q: What is Video KYC, and how does it work?
A: Video KYC involves a scheduled video call with a PNB representative to verify your identity and documents, eliminating the need for a branch visit.
Q: How long does it take to activate a PNB account?
A: The account is activated within 3–5 working days after successful KYC verification.
Q: Is there a minimum balance requirement for PNB savings accounts?
A: Yes, it varies by account type (e.g., ₹500–₹2,000 for savings accounts). Check PNB’s website for specific requirements.
Also visit : https://www.pnbindia.in/saving.html
Also visit : https://postofficefd.com/indian-bank-fixed-deposit-rates/