PNB Net Banking

PNB Net Banking, provided by Punjab National Bank, extends a multitude of advantages to its customers through its online banking services. By enrolling in PNB’s internet banking, customers gain round-the-clock access to comprehensive online support for their diverse banking requirements. This includes the convenience of making online tax payments, checking balances, settling credit card dues, transferring funds, and paying bills seamlessly. With PNB Net Banking, customers can experience the ease and efficiency of managing their finances with just a few clicks.

Let’s explore PNB Net Banking services in detail, including the registration process, transaction modes, benefits, and more. 

What is PNB Net Banking?

PNB Net Banking refers to the online banking services provided by Punjab National Bank (PNB) that allow customers to access and manage their accounts conveniently through the internet. With PNB Net Banking, users can perform a wide range of financial activities such as checking balances, transferring funds, making utility bill payments, and even applying for loans or credit cards. It offers secure and seamless access to banking services 24/7, eliminating the need for physical visits to branches. PNB Net Banking empowers customers with greater control over their finances, providing a convenient and efficient way to conduct banking transactions from the comfort of their own devices.

What are the services offered under PNB Net Banking

Punjab National Bank (PNB) Net Banking offers a variety of services to its customers. These include:

1. Account management: Users can view their account details, including balance, transaction history, and statement of account.
2. Fund transfers: Customers can transfer funds between PNB accounts, as well as make interbank transfers using NEFT, RTGS, and IMPS.
3. Bill payments: PNB Net Banking enables users to conveniently pay utility bills, credit card bills, and other bills online.
4. Fixed Deposits and Recurring Deposits: Customers can open and manage fixed deposit (FD) and recurring deposit (RD) accounts through the net banking portal.
5. Loan applications: PNB Net Banking provides the facility to apply for various loans, such as housing loans, education loans, and personal loans.
6. Investment services: Users can invest in mutual funds and public provident fund (PPF) accounts through the net banking platform.
7. Non-Financial services: Additional non-financial services include viewing nomination details, updating personal information, and requesting account statements.

Features of PNB Net Banking Services

Financial services offered by PNB internet banking:

• Transfer funds within PNB bank or with 3rd party accounts.
• Open and modify Fixed deposit / Recurring deposit accounts online.
• Inter-Bank fund transfer available 24×7 on holidays and weekends.
• Transfer funds via IMPS, NEFT & RTGS payment portals.
• Close or modify Fixed deposit accounts online.
• Transfer money to government accounts, business accounts, PPF, and SSA accounts.
• Create PPF account online.
• Link Demat account and view details.
• Pay utility bills and credit card-related payments.
• Pay direct & indirect taxes online using the PNB net banking portal.

Non-Financial services offered by PNB net banking:

• View account details, statement of account, transaction history, nomination details, and AQB/AMB.
• Cheque-related services: stop payment cheque, cheque inquiry, new cheque request, destroy cheque, and authentication of PNB Suraksha Cheque.
• Request offline services: change credit card limits, redeem reward points, FD renewal, register email statements, and apply for PNB products online.
• Debit card services: set debit card limits, debit card ON/OFF, reset or set card PIN, and hot-list debit cards.

What are the advantages of using PNB net banking?

PNB net banking comes with several benefits. Customers availing of net banking services can get 24×7 customer support regarding fund transfers, account details, and transactions. It also offers ATM/Debit Card blocking facilities and other financial services like FD, RD account opening, investing in mutual funds, etc.

How to register for PNB Net Banking online?

The following is the step-by-step registration process to start PNB’s net banking facility. The registration process for Retail and Corporate customers is specified below:

Registration process of PNB net banking for retail users:

1. Visit the PNB net banking portal for retail users: https://www.pnbindia.in/retail-Internet-banking.html
2. Click on the ‘Internet Banking Login’ option, then select the ‘New User?’ option.
3. Enter account number and choose the registration type.
4. Select the ‘Register for Internet banking’ option.
5. Click on the ‘Verify’ button.
6. Provide the required details, including the Type of Facility. An OTP (One-time password) will be sent to the registered mobile number. Enter the OTP and click ‘Continue’.
7. Enter debit card number, ATM pin, and click ‘Continue’.
8. Set Login and Transaction passwords, ensuring they are not the same.
9. Agree to the PNB net banking terms and conditions, then click ‘Complete Registration’.
10. A success message with User ID will be displayed. Make a note of User ID.
11. A user can log in to the portal immediately, but it may take 24 to 48 hours to access all banking facilities.

Registration process of PNB net banking for corporate users:

1. For Corporate Users, visit the nearest PNB branch and download the PNB – 1063 form.
2. Submit the filled form at the bank to activate the net banking facility. Users can also download the form from the bank’s website.
3. After submission, the user will receive a Corporate ID, Administrator ID, and password.
   • The Corporate ID is common for both the Admin User and other users and identifies the corporate.
   • The administrator manages all activities, including transactions and user creation.
4. Alternatively, users can register for net banking through the PNB call centre by calling Toll-Free Numbers 1800 103 2222/1800 180 2222 or Tolled Numbers 0120-2490000.
5. Another option is to register at any PNB ATM.

Steps to login to PNB Net Banking

Here are the steps that users can follow to login to PNB net banking:

For retail users:

1. Visit the PNB net banking portal for Retail Users.
2. Enter User ID and click on ‘Continue’. Note that the User ID and Customer ID remain the same.
3. Type in Login password and click ‘Login’.
4. Read and accept the terms and conditions.
5. User will receive an OTP on the registered mobile number. Enter the OTP and submit.
6. Choose seven security questions from the available options and click ‘Register’.
7. Select an image and write the appropriate phrase, then click ‘Submit’ to log in.

What to do if you forget your PNB net banking login password?

If you forgot your net banking password, you can reset it by logging into your net banking portal. You can use your user ID and click the ‘forget password’ option to set up a new password.

For corporate users:

1. Go to the PNB net banking portal and select ‘Corporate Users’.
2. Corporate administrators need to log in using their Corporate ID, Admin User ID, and password. Regular users should use their User ID and Login password to access the net banking portal.
3. If it is a user’s first-time login, enter the OTP sent to the registered mobile number of the administrator.
4. Set up seven security questions, phrases, and images.

Resetting PNB net banking password

To reset PNB net banking password, users can follow these steps:

1. Visit the official PNB net banking portal.
2. Click on the “Forgot Password” option.
3. User will be redirected to a new page where he/she will need to enter the User ID and registered mobile number.
4. After entering the required details, click on the “Continue” button.
5. User will receive an OTP (One-Time Password) on registered mobile number.
6. Enter the OTP in the provided space and click on the “Submit” button.
7. Once the OTP is verified, user will be prompted to set a new password.
8. Choose a strong and secure password that meets the specified criteria.
9. Confirm the new password by re-entering it in the designated field.
10. Click on the “Submit” button to complete the password reset process.

Conclusion

PNB Net Banking is a user-friendly mode for effectively managing your financial matters online. Customers can effortlessly access their bank accounts, conduct fund transfers, and settle bills, all without the necessity of visiting a physical branch. It has a user-friendly interface for a swift and straightforward experience.