✅ PNB ONE – Eligibility (योग्यता)
• सभी Full KYC compliant Retail Customers PNB ONE के लिए eligible हैं।
• CBS में Constitution Code 001 & 011 वाले Retail Customers eligible होते हैं।
• Mode of Operation “Self”, “Proprietorship” allowed है।
• Joint Accounts में “E/S”, “F/S”, “Anyone or Survivor” eligible हैं।
• Customer का Alerts (SMS/Email) में registered होना अनिवार्य है।
❌ PNB ONE – Not Eligible Schemes
• Mode of Operation “Joint” (without E/S/F/S) वाले accounts eligible नहीं।
• RDFLX – Flexi Recurring Deposit Scheme not eligible।
• SBMIT – Small Savings Accounts not eligible।
• CCAKC – Cash Credit (KCC) not eligible।
• CCKLY / CCKGS – Kalyani/Kisan Gold Card not eligible।
• SBSUV – Suvidha Card, MDSED – MDSS Security Deposit not eligible।
• RDCLX – RD Coal India, SBSUB – Subsidy Linked SB not eligible।
• RDMDS – Mini Deposit RD Accounts not eligible।
💰 Category-Wise Transaction Limits
• Overall Daily Limit → ₹10 lakh।
• IMPS Limit → ₹5 lakh।
• Within Bank Transfer → ₹10 lakh।
• NEFT/RTGS → ₹10 lakh।
• UPI Limit → ₹1 lakh per day।
• UPI Approve to Pay/Collect → ₹2,000।
• Quick Fund Transfer → ₹10,000 (Max 3 txn/day)।
• Pay to Contact → ₹10,000 (Max 3 txn/day)।
• Term Deposit Creation → ₹99,99,999।
• Bill Payment/Mobile/DTH Recharge → ₹10 lakh।
• Default Limit → ₹2 lakh (Customer ₹10 lakh तक बढ़ा सकता है)।
🔐 OTP Waiver Rules (₹5,000 तक)
• Registered Beneficiary Fund Transfer में OTP waive।
• UPI Send/Approve/Scan & Pay में OTP waive।
• Bill Payment & Recharge में OTP waive।
• Emergency Services (UPI Block, Stop Cheque, Hotlist Debit Card) में OTP waive।
🏦 FD / RD Rules via PNB ONE
• Debit A/c Mode “E/S” या “Anyone” → FD/RD logged-in user के नाम।
• Debit A/c Mode “F/S” → FD/RD First Holder के नाम।
• Debit A/c Mode “Joint” → FD/RD creation allowed नहीं।
• FD/RD Closure Amount → Debit Account में ही credit होगा।
⭐ Key Features & Functionalities
• All Accounts View – SB, FD, RD, Loan, OD, CC, Credit Card।
• Account Statement PDF/Excel में download।
• Fund Transfer – Self, Within PNB, Other Bank (NEFT/RTGS/IMPS/UPI)।
• Quick Fund Transfer & Pay to Contact facility।
• Scan & Pay – UPI QR / Bharat QR।
• Indo-Nepal Remittance available।
• LRS (Liberalised Remittance Scheme) available।
• UPI Services – Send/Collect, VPA, Approve to Pay, History, Block UPI।
• UPI via RuPay Credit Card supported।
💸 Cardless Cash Withdrawal
• ATM से बिना Card cash withdrawal possible।
• Daily Limit → ₹100 से ₹20,000 (₹100 multiples)।
• Max → 5 transactions per day।
• Requirement → PNB ONE + Internet Banking active।
💳 Virtual Debit Card (PNB ONE)
• RuPay Classic Virtual Debit Card issued।
• Only E-Commerce use (ATM/POS नहीं)।
• Instant card number generation in PNB ONE।
• No separate installation/registration required।
🌍 Indo-Nepal Remittance
• Account Holder → Per Txn Limit ₹2 lakh।
• Walk-in/Non-Customer → ₹50,000 per txn।
• Max 12 remittances per year (Walk-in)।
✈️ LRS through PNB ONE
• Eligible → Resident Individual (Retail)।
• PAN, Mobile, Email CBS में registered होना जरूरी।
• Account vintage → Minimum 1 year।
• Minor Accounts में LRS allowed नहीं।
• Single Remittance Limit → USD 10,000।
• FY Cumulative via App → USD 100,000।
• Overall LRS Limit → USD 250,000 per FY।
📝 PNB ONE Onboarding – Ways
• Without Debit Card Registration।
• Aadhaar OTP based Registration।
• Branch Assisted Registration।
📚 Case Study – Learning Point
• PNB ONE से Passbook update, PPF Statement, Balance Certificate, FD/RD, Payments – सब Mobile से possible।
• Customer Convenience + Branch Decongestion achieved via PNB ONE।
🎯 Exam Super-Hit One-Liners
• Default PNB ONE Limit → ₹2 lakh।
• Max Limit → ₹10 lakh।
• OTP Waiver → ₹5,000 तक।
• UPI Daily Limit → ₹1 lakh।
• Cardless Cash → Max ₹20,000/day।
• Indo-Nepal Walk-in Limit → ₹50,000।
• LRS Single Txn Limit → USD 10,000।
