Personal Products offered by PNB
1 Deposits
Types of Deposits Description
unnati saving fund,
Savings Account account for premium users,
mysalary account, etc.
Fixed Deposit growth fixed deposit scheme,
floating rate scheme,
recurring deposit scheme, etc.
Current Account
merchant current account,
Mybiz account,
TWIN CA+SF account, etc.
Capital Gain Account Scheme
(Deposit A - in the form of savings account Individuals for crediting amount from Capital gain. N
Deposit B - in the form of term deposit) Deposit Minimum 7 days to 10 years.
The account can be opened in all the branches except
Gold Monetization Scheme
To mobilize the idle gold in the country and put it Short term bank deposit,
into productive use as well as providing an Medium term govt deposit (2.25% p.a.
opportunity to earn interest income on their idle Long term govt deposit (2.5% p.a.)
gold holdings.
2 Insurance
a) Life insurance
Name Category
PNB Metlife Gauranteed Future Plan Long term Savings
PNB Metlife Super Save Plan Child Education Planning
PNB Metlife Mera Term Plan Family Protection
PNB Metlife Intermediate Annuity Plan Retirement Planning
b) General insurance
Oriental Insurance Co. Ltd. (OICL)
Bajaj Allianz General Insurance Co. Ltd. (BAGIC)
Chola MS General Insurance Co. Ltd. (CHOLA)
Care Health Insurance Co. Ltd. (CHICL)
Star Health and Allied Insurance Co Ltd.
3 Government business
Collection Of Tax - E-TAX & Physical tax
Pension - Catering To All Section Of Pensioners
Central Civil e-Biz Collection
Defence Income Tax
Railways Corporation Tax
Telecom Wealth Tax
Postal Gift Tax
Income Declaration Scheme 2016 ( Challan
State Govt.
No. 286)
TDS on sale of property ( More than Rs. 50
EPFO
Lacs Form No 26 QB) On Line & Off Line
Other Corporate Employees Demand Payment on sale of Property
Equalization levy (Challan No 285 ) On line &
Download Life Certificate Offline Mode
Digital Life Certificate FAQ Excise/Service Tax
Download Pension Payslip Customs Duty
Download Form 16 – Pensioners State VAT
TDS on sale of property (For more than Rs.50
lacs)
4 Financial inclusion
ii) Kiosk Banking Solution ( KBS) & Micro-
i) Pradhan Mantri Social Security Schemes ATMs
Social Security Schemes ( PMJJBY ) On-line KBS at Bank Mitra Location
Social Security Schemes ( PMSBY) Micro-ATMs at BC Locations
Atal Pension Yojana APY Chart IMPS at BC locations
INDO NEPAL Remittance
PNB MBFD
PNB Sanchay Micro Deposit
iv) Financial Inclusion Plan(FIP) Directv)Benefit
Direct Transfer
Benefit Transfer
( DBT/ DBTL /
Financial Inclusion Plan (FIP) of RBI: FIP 2016-19 MGNREGS)
Consent form for Linking of Aadhaar / UID
Number With the Bank Account
Aadhaar Seeding
5 Loans
RETAIL MSME
Housing Loans Pnb Weaver Mudra Card
Pride Housing Loan For Government Employees
Housing Loan
Housing Loan for
for Public
Public – Pradhan Mantri Awas Pnb Mahila Udyami
Yojana – Housing for All
Pnb Seva
PNB vehicle loans
Vehicle Loans Pnb Udyog
PNB Pride Car Loan For Government Employees
PNB
powerCarride`
Loan For Public
scheme for financing two wheelers Pnb Sanjeevani
to women
Pnb Vyapaar
PNB Education loans
Education Loans Pnb Artisan Credit Card
pnb saraswati
PNB Pratibha Pnb Laghu Udyami Credit Card
PNB kaushal
Pnb Transport Loan
Personal Loans
Personal Loans Pnb General Credit Card
Personal Loan Scheme For Public
Personal Loan Scheme for Pensioners Pnb Professional
Advance Against Gold and Jewellery
MISC
PNB my Property Loan
Check List
Online Overdraft Facility
Description
unnati saving fund,
ccount for premium users,
mysalary account, etc.
owth fixed deposit scheme,
floating rate scheme,
curring deposit scheme, etc.
merchant current account,
Mybiz account,
TWIN CA+SF account, etc.
ng amount from Capital gain. No joint Account.
sit Minimum 7 days to 10 years.
ened in all the branches except Rural Branches.
Short term bank deposit,
m term govt deposit (2.25% p.a.),
g term govt deposit (2.5% p.a.)
Benefit payout options Entry age Sum Assured
Endowment option
Income option Min - 30 days Min - 2 lacs
Income+lumpsum Max - 60 years Max - 100 cr
Income+Booster
Savings,
Annual mode - 50
Savings + Family, min - 2,20,000
Other modes - 45
Care Savings + Health Care.
Lump sum payment on death,
Lump sum + Monthly Income for 10 yrs, min - 18 years
min - 10 lacs
Lump sum + Increasing Monthly max - 65 years
Income for 10 years,
Lump sum + monthly income till child ages 21
Min annuity payout -
1000 per month
min - 30, 40 yrs
- Max - depends on entry
max - 75 yrs
age as well as purchase
price
Public Provident Fund & Govt. Saving Scheme Others
Sovereign Gold Bond Scheme 2021-22 MCA-21
FAQ Sovereign Gold Bonds e-Payment of railway freight
e - PPF e-Stamping
Accepting PAN Card
applications Link 1 :Form 49-
Public Provident Fund (Tax Saver)
A Link 2 :CSF Link 3 :Knowledge
portal for CSA
Sovereign Gold Bond Series-X NPS
Senior Citizen Saving Scheme EPFO
Senior Citizen Saving Scheme FAQs PFMS
Sukanya Samriddhi Deposit Account - SCHEME State VAT
Sukanya Samriddhi Deposit Account - SCHEME PNB NETC(National Electronic
FAQs Toll collection)
Interest Rates
RBI Floating Rate Savings Bonds 2020 (Taxable)
iii) CBCs/ BCOs/ Bank MITR/ AEC Centre
List ofLocator
CBCs/ BCOs
List of Bank Mitr/Correspondent Locations
List of Aadhaar Enrolment Centre branches
vi) Business Correspondents / Bank Mitras
Infrastructure at Bank Mitra / BC Locations
Do`s & Don`t At BC Locations
Products & Services under BC Network
Inter-Operability AT Bank Mitra / BC Locations
Service charges from customers at BC locations
AGRICULTURE
Farmers
Agriculture Credit Schemes
Central Sector Schemes
PNB Farmers Welfare Trust
Procedural Guidelines for Agricultural Credit
FLC LIST
RSETI LIST
DebtWaiver
Pradhan Mantri Fasal Bima Yojana
PNB RUPAY KISAN CARDS
Kisan Credit Card Account facility available
INTEREST SUBVENTION
Co- Lending By Banks AndFOR CROP
NBFCs LOANS
(Including
Hfcs) To Priority Sector
6 Priority Sector
Schemes for Women
1. PNB MAHILA UDYAM NIDHI SCHEME
2. PNB MAHILA Samridhi Yojna
3. Scheme For Financing Creches
4. PNB Mahila Sashaktikaran Abhiyan
Description
The women entrepreneurs will be assisted for setting up of new projects in
tiny /small scale sector and rehabilitation of viable sick SSI units.
Four schemes have been launched under the umbrella of one scheme.
These are for purchase of required infrastructure for Setting up of
To provide support services for women empowerment to working women
in terms of creches with necessary services by making cheaper and easier
credit available for financing Creches.
Under this scheme, following concessions will be admissible - Trade
Related Entrepreneurship Assistance and Development (TREAD) Scheme
envisages extension of credit by the bank and grant by the Govt of India to
NGOs for the benefit / on lending to women either through SHGs or
individually for setting up of small & micro enterprises in non-farm sector.
Corporate Products By PNB
1 Corporate Loans
Loans
Rooftop PV Solar Power Projects
Loan Against Future Lease Rentals
Working Capital Financing
Project Finance & Infrastructure Finance
Term Loans
Export Finance
Bill Financing
Financing Against Future Receivables
Short Term Loan
2 EXIM Finance
services offered are as follows -
a Pre & Post shipment finance in foreign and Indian currency
b Handling export bills
c Outward remittances for purposes as permitted under Exchange Control guidelines
d Inward remittances including advance payments
e Quoting of competitive rates for transactions
f Maintenance of Exchange Earners Foreign Currency (EEFC) accounts
g Assistance in obtaining credit reports on overseas parties
h Services Offered To Importers
i Establishment of Import Letters of Credit covering import into India and handling of bills under Letter of Credit
j Handling of import bills on collection basis
k Remittance of advance payment against imports
l Offering utilisation of PCFC ( pre-shipment credit in foreign currency) for imports
m Credit reports on overseas suppliers
3 Cash Management Services (CMS)
CMS is a value added product for Corporate Customers of
Bank receive their collections from Multiple locations. Funds
are collected at different locations, by different modes viz.
cash/ cheques/other instruments, through different PNB
designated Branches across the country and Pooled in a
single Nodal account of the corporate. A customized and
enriched MIS is also provided to the customer through e-mail
or through on-line portal.
Day Arrangement based pooling is also provided to
corporates -
The product is particularly relevant for big corporate etc
having vast dealership/branch network spread across country
from where they receive regular collections.
Description
By 2022, India aims to achieve 40 GW of Grid Connected Rooftop Solar
Photovoltaic Power Projects out of the total 175 GW target of renewable energy
capacity.
PNB has introduced a scheme for property owners having their property situated
in Metro/Urban/Semi-Urban/Rural Centres and who have let out such properties.
PNB offers working capital finance to meet short term fund requirement for
managing the day to day operation of the business.
Bank provides fund based and non fund base credit facilities for New Project as
well as expansion, diversification and modernisation of existing projects in
Infrastructure and Non- Infrastructure Sector.
PNB offers Term Loans to support capital expenditures for setting up/starting
industrial unit and new business as well as for expansion, revocation etc.
PNB provides Export Finance at pre-shipment and post shipment stage to
exporters in various types of fund based and non fund based credit facility.
PNB Provides Advances against Inland Bills in the form of limit for purchase of bills,
discount of bills or advance against bills sent for collection to borrowers for their
genuine trade transactions.
PNB provides the facility of financing against the assured future receivables to
corporate and non corporate borrowers. The borrower having assured future
receivables such as Educational Institutions, BPOs/KPOs, or any other similar
institutions can avail the facility for meeting their business needs.
To meet the requirement of short-term business exigencies of reputed PSUs
corporate customers. Short Term Loans are sanctioned for a short period not
exceeding 12 month.
der Exchange Control guidelines
y (EEFC) accounts
mport into India and handling of bills under Letter of Credit
foreign currency) for imports
Facilities are as follows -
i) Auto debit mandate
ii) Funds collection module
iii) Integrated free portal
iv) E-CMS (Virtual account)
4 Gold card scheme for exporters
Eligibility criteria Credit limit
i) Exporters with minimum rating of ‘B1’ as per internal risk
rating module of bank will be eligible under this scheme.
ii) Exporters whose accounts have been classified as ‘Standard’
continuously for a period of three years and there are no
irregularities/adverse features in the conduct of the account,
will be considered for Gold Card.
iii) The scheme will not be applicable to those exporters who A stand-by limit of 20 per cent of
are blacklisted by ECGC or included in RBI’s defaulter’s the assessed limit
list/Specific approval list / caution list of exporters. or making
losses for the past 3 years or has overdue export bills in excess
of 10 % of the previous year’s export turnover.
iv) Gold Card can be issued to exporters whose accounts have
been taken over by PNB provided bank is satisfied with the track
record of exporter.
v) Gold Card can also be granted to exporters undertaking
exports on collection basis, provided they have been in export
business at least for 3 years including their dealings with
previous bankers.
5 Doorstep Banking service
Features Variants
This service is provided to each and every customer
(Individual/Corporate) for pick up of cash from their
premises/offices where proper KYC procedures are followed. a) On call pick up
Customers have to just fill in the enrolment form and execute b) Beat pick up
an agreement with its branch to avail the facility. c) Free of cost
The cash is picked-up within normal business hours of the Bank.
Complimentary pickup of Cheques/instruments is allowed,
alongwith cash pick-up.
Tenure
Card will be issued for 3 years and
will be automatically renewed for
next 3 years.
Benefits
1. No need to visit branch for
depositing cash.
2. Secured & insured
3. Timely pick up of cash
4. Low service charges
International Products By PNB
1 LIBOR Transition
Impact of Libor Transition on PNB
1) Regulators and working committees have been formed across the crucial currency
issuing countries/areas for finalizing the Alternate rate to LIBOR such as SOFR for
USD, SONIA for GBP, ESTER for EURO etc.
2) The impact will depend on various factors, such as which particular ARR (Alternate
Reference Rate) is referred to in a product, the adjustments which need to be made
to reflect credit and term differences between the relevant LIBOR and the ARR, the
nature and term of the product or contract, the date when any changes arising from
LIBOR transition take effect and the nature of any fallback provisions in the particular
contract, if any.
3) A reform may result in different calculation methodologies being adopted, which may result in
the reformed ARR performing materially differently than it did prior to the reform. Further, the
effects of transition may be experienced at different times with respect to different products and
in different jurisdictions or regions.
2. FX Retail -Platform
A trading platform is expected to provide the much-needed transparency and at the same time
enhance competition and lead to better pricing for the customers. In this connection, FX-Retail
has been rolled out by the Clearing Corporation of India Limited (CCIL).
Schedule of Fees and Charges
Particulars
One time Customer Registration Charges
a. Individual
b. Non-Individual
Transaction Charges
a. Upto USD 50,000 in a day
b. Above USD 50,000 in a day
3.
PNBSchemes / Products
offers various / Services
schemes / products /services relating to international banking. the broad
details thrreof are as under
Indo Nepal Remittance Scheme (INREMIT Scheme)
Foreign Currency Non-resident Deposit A/c Scheme (FD)
Non-resident External Deposit A/c Scheme (SB/CA/FD)
Non-resident Ordinary Deposit A/c Scheme (SB/CA/FD/RD)
Foreign Inward Remittances – Rupee Drawing Arrangements / Speed Remittances with Exchange Houses
Money Transfer Schemes
PNB-NRI REMIT Scheme
Exchange of Foreign Currency Travellers Cheques/Notes
World Travel Card
Buyers` / Suppliers` Credit against Imports into India
Letter of Guarantee (issued on behalf of foreign bank)
Precious Metal Business (on consignment basis)
Gold (Metal) Loan Scheme for Domestic Jewellery Manufacturers.
ECGC – Bank assurance - Selling of policies to exporters
4. NRI Account
Foreign Currency Non-Resident (Banks)Accounts - "FCNR"
Non-Resident (External) Accounts Deposit Scheme (NRE)
Ordinary Non-Resident Accounts (NRO)
Resident Foreign
PNB Global Currency
Foreign Account
Currency (RFCA)
Deposit
Scheme and Rupee Deposit Scheme.
Resident Foreign Currency Accounts - RFC
Nature of Account
Current Account (No Min. limit)
Savings Fund (No Min. limit)
Term Deposits (minimum USD 5000 or its equivalent)
Term Deposits One month to less than One Year
One year to five years
5. World Travel Card
Eligibility:
Indian Nationals, valid PAN Card holder, desirous of visiting/travelling abroad (except Nepal and
Bhutan) for any purpose as permitted by RBI.
Currency of Issue and Validity of Card:
WTCs are available in three currencies i.e. USD, GBP & EURO. The Cards are issued with a
pre- embossed expiry date in mm/yy format which cannot be extended further. If the validity of
the card expires, a new card needs to be issued to the customer.
Particulars
Issuance/Recharge
Duplicate PIN
Replacement of Card
ATM withdrawal fee
ATM balance enquiry
Refund/ Surrender of Balance in branch R
Mark up on conversion (cross currency payment)
# Excluding charges levied by the ATM acquirer.
Charges
Rs. 300*
Rs.1000*
No Charges
0.0004% on the entire Transaction value in INR terms
*
ith Exchange Houses
USD GBP Euro
Nil Nil Nil
Nil Nil Nil
Nil
ROI in line with FCNR (B) Deposits
Charges
Rs.100+ Applicable Taxes (if
deliveredApplicable
Rs.100+ in India) Taxes
USD 20.00/ actual cost
Rs.100+
whichever Applicable
is higher Taxes
USD/GBP/EUR 1.50for
+ delivery
abroad
Applicable Taxes0.50
as per
USD/GBP/EUR + the
currency of the card #
Applicable Taxes as per the
2% of transaction
currency amount
of the card # +
applicable Taxes over and
Rs.100+
above theApplicable
charges ofTaxes
the Master
Card
e ATM acquirer.
Capital Services Provided by PNB
1 Depository Services
PNB as Depository Participant (DP) of NSDL and CDSL provides depository services with a secure and
convenient way for holding the securities through ALL branches of bank
services offered are -
i) Opening Of Demat Account
ii) Dematerialization
iii) Rematerialization
iv)Settlement Of Trades Settlement Of Off-Market Trades
v) Electronic Credit In Respect Of Securities Allotted Under IPO
vi) Receiving Non-Cash Corporate Benefits, Such As, Allotment Of Bonus And Rights vii) Shares,
Stock Split, Etc.
viii) Pledging/Un-Pledging Of Securities
ix) Providing Periodical Statement Of Transactions
x) SPEED-e
2. Mututal Funds
Disclosures – Mutual Fund Commissions
Income earned from Mutual funds through commission, brokerage
Fund Category
All Equity and balanced funds*
Index Funds
ELSS/ Tax saving funds
Arbitrage Funds
All Debt funds**
Liquid funds
Trail year 1 onwards
0.00% to 1.60%
0.00% to 0.50%
0.00% to 1.25%
0.00% to 0.60%
0.00% to 1.30%
0.00% to 0.50%
3. Merchant Banking
Particulars
Bankers To The Issue
Payment Of Dividend Warrants / Intere
Payment Of Refund Orders
Monitoring Agency
4. ASBA - Application Supported by Blocked Amount
Particulars
SCSB
Application In IPO Through ASBA
Elligibility
Advantages
Features
a) provide Escrow Collecting Bank/services and refund Bank services related to Initial Public Offering (IPO), Follow on Public Offering (FP
b) The process of collections needs a high degree of close co-ordin
the Book Running Lead Manager, the Syndicate Members, the Registrar and most importantly the issuer Company.
The product has the following unique features that ensure that the payment account of the corporate remains reconciled at any point of time:
Facility for upfront uploads of the instruments issued by the companies into Core Banking sy
Online payment of the instruments by CBS branches
Validation of instruments details by the system
Online status update of paid instruments by the system
Online MIS on paid/unpaid instruments at any point of time
Facility to cancel lost instruments and to re-upload duplicate instruments issued in lieu thereof
MIS on cancelled instruments
100% reconciliation of the corporate dividend / refund order payable by a/c by the system without manual intervention
In terms of SEBI guidelines, all debenture issues (public/rights) of the companies with the maturity period exceeding 18 months are required
the prospectus of the issue.
a) The guidelines to be observed before accepting assignment of Monitoring Agency are given in respective circular available in e-circular si
b) Investor Grievance
orted by Blocked Amount
Features
SCSB (Self Certified Syndicate Banks) is a bank, which is recognized as a bank capable of providing ASBA services to its customers.
a) Investors can apply in any public/ rights issues by using their bank account. Investor can submits the ASBA form at any branch of bank af
number, demat account number, bid quantity, bid price and other relevant details, by giving an instruction to block the amount in their accou
b) The bank will upload the details of the application in the bidding platform. Investors shall ensure that the details that are filled in the ASB
rejected.
SEBI has been specifying the investors who can apply through ASBA. In public issues w.e.f. May 1, 2010 all the investors can apply through
complusory that Investors applying in a Public Issue shall use only ASBA.
The investor need not pay the application money by cheque rather the investor submits ASBA which accompanies an authorization to block
The investor does not have to bother about refunds, as in ASBA only that much money to the extent required for allotment of securities, is ta
selected for allotment after the basis of allotment is finalized.
The investor continues to earn interest on the application money as the same remains in the bank account, which is not the case in other mod
The application form is simpler.
The investor deals with the known intermediary i.e. its own bank
