PNB Banking - Q&A Reference Guide
Abbreviations & Full Forms
General Acronyms
- SWOT - Strengths, Weaknesses, Opportunities, Threats
- RSETI - Rural Self Employment Training Institutes
- RTGS - Real Time Gross Settlement
- RLLR - Repo Linked Lending Rate
- PoP - Point of Presence (NPS architecture)
- NCMC - National Common Mobility Card
- PFRDA - Pension Fund Regulatory and Development Authority (NPS regulator)
- LRS - Liberalised Remittance Scheme
- PMJDY - Pradhan Mantri Jan Dhan Yojana
- PMSBY - Pradhan Mantri Suraksha Bima Yojana
- SCSS - Senior Citizen Saving Scheme
- MSME - Micro, Small and Medium Enterprises
CBS Menu Options
| Function | Menu Code |
|---|---|
| Transaction Maintenance | HTM |
| DEAFC (Deaf Claim) | DEAF CLAIM |
| Cash Deposit | PCASHDEP |
| Closure of Cash Credit Account | HCAAC |
| Opening of Saving Bank Account | HOAACSB |
| Closure of SOL Operation | HSOLOP |
| NPS Registration | HNPSREG |
| FD Print | HDRP |
| Fastag Issue | FTAGISS |
| Education Loan Moratorium Extension | EDUMOR |
Limits & Thresholds
Account Related
- Small BSBDA Monthly Transfer Limit - Rs 10,000
- PNB One Maximum Limit - 10 Lakhs
- NCMC Without Pin Amount - Rs 5,000
- PNB One Without OTP Transaction Waived Up To - Rs 5,000
- Cardless Cash Withdrawal Per Account Per Day - 5
- Minimum SSA Deposit Amount - Rs 250
- Maximum SSA Age - 10 years
- Minimum Term Deposit Duration - 7 days
- Maximum Term Deposit Duration - 10 years
- Account Transfer to DEAF After - 10 years
Loan Related
- SHISHU Loan Maximum Amount - Rs 50,000
- DIGI Car Loan Maximum Repayment Period - 84 months
- Housing Loan for Repair Maximum Amount - 50 Lakhs
- Counterfeit Note Detection Threshold - Rs 100 and above
Card Related
- Debit Card Validity - 7 Years
- Debit Card Number of Digits - 16 digits
- Insurance in Select Debit Card - 10 Lakhs
Financial Indicators (Current)
- CRR (Cash Reserve Ratio) - 4%
- Bank Rate - 6.75%
ATM Related
| Feature | Details |
|---|---|
| Response Code - Hotlist | 150 |
| Response Code - Invalid Pin | 53 |
SMS & Notifications
- SMS Triggered Message for Deposit/Withdrawal - Rs 10,000
- USSD Code - *99#
- USSD Pin - 6 Digits
Digital & Technology
- PNB's Software - Finacle
- PNB Mobile App - PNB One
- PNB QNE Total Languages - 12
- IT Security Device for Data Transfer - MODEM
- VKYC Timing - 10 AM to 5 PM (Banking days)
Schemes & Special Programs
PNB Matritva Scheme
- Target Group - Working women (Perinatal period)
PMSBY (Pradhan Mantri Suraksha Bima Yojana)
- Age Limit - 18-70 years
SCSS (Senior Citizen Saving Scheme)
- Maturity Period - 5 years
PMJDY (Pradhan Mantri Jan Dhan Yojana)
- Year Started - 2014
Suryaghar Scheme
- Portal - Jan Samarth
Tax Related
- Tax Shield FD Period - 5 years
- Tax Saving Section (Investment) - Section 80C
Documentation & Forms
| Purpose | Form Number |
|---|---|
| Documentary Promissory Note | 728 |
| Nomination (Making Nominee) | DA1 |
| MSME Segment (Above 200 Lakh Manufacturer) | 1017 |
Operational Details
Currency Chest Operations
- Send Report Daily Time (CYM CC Portal) - 7 PM
- Minimum Cash Deposit/Withdrawal - Rs 1 Lakh
- Penalty on Direct Debit for Mutilated Note - Immediately
Cheque Operations
- Maximum Days at CTS Centre for Cheque Collection - 7 Days
- Cheque Book Leafs in Unnati Account - 20
Government Commission
- Physical Mode Commission - Rs 40
- Pension and Other Mode (Per 100 Rupees) - 6.5
Charges & Fees
- Bank Charges for Life Certificate (DSB) - Rs 60 + GST
- Demographic Update in Aadhar Card - Rs 50
- Annual Health Checkup for Award Staff - Rs 4,500
Account Types & Eligibility
- Junior Saving Fund Scheme Initial Deposit - Nil
- Sole Proprietorship Code - 011
- For Minor Above Age, Customer ID in BCA Account - 10 years
- Not an OVD (Overdraft) - Ration Card
- Which Type of Loan is Unsecured - Clean OD
- E-statement Not Available In - RD (Recurring Deposit)
Special Features & Services
Housing Loan
- Documentation & Processing Charges Waived Period - 05/06/2024 to 31/03/2025
SPARSH Portal
- Purpose - Pension
BC Agent Insurance
- Cash Transaction Coverage Up To - Rs 1 Lakh
BHIM
- Option Not Used - Debit card block
Data & Compliance
- Data Governance Day - 1st June
- Clean Note Policy Direction Issued By - RBI
- Counterfeit Note Report Sent To - Forged Note Vigilance Cell at Head Office
