Follow us on

Non-Credit Related Service Charges

Internet Banking

Non-Credit Related Service Charges All Service Charges are exclusive of GST (Wherever Applicable )


S.No. PARTICULARS CHARGES

1. COLLECTION

1.1

Collection of Local / Outstation Bills-Outward & Inward

{Clean / Documentary / Usance &Supply Bills Including Bills Received Under Inland LC (Excluding Drafts, Cheques Etc.)}

Slab

Charges

Up to Rs. 10000/-

Rs. 100/- + Out of Pocket Exp.

Above Rs. 10000/-

Rs. 10/- per thousand or part thereof + Out of Pocket Exp.; Min Rs. 100/ Max.- Rs. 15000/-

CHANGE OF ORIGINAL INSTRUCTIONS (IBC/OBC) i.e. Waiving C Form, delivery Free of Payment, Extending retirement time etc.

Rs. 200/- per reference

Documents received for collection: if required to be delivered FREE OF PAYMENT to drawee OR to be returned back as UNREALISED.

Normal Collection Charges + out of pocket expenses

Charges on Inward Collection (Bank to Bank)

Remittance charges to be collected from the drawee - Where remitting bank has no branch, commission to be shared on 50:50 basis.

· Actual postage/courier charges and any other out of pocket expenses have to be recovered in full from the customers.

· Collection charges in case of bills should be levied on the gross amount of the instrument.

2. DOOR STEP BANKING (DSB)

2.1

Doorstep Banking Services

Nature of Service

Service Charges #
(Through Branch)

Service Charges #
(Through Authorized 3rd Party Agent)

Non-Financial

Rs.100/- +GST*

Rs.75/- +GST*

Financial

Rs.100/- + GST

Rs.75/- + GST

# The service charges are subject to change from time to time. The charges will be displayed on the website. Any change in the charges will be notified to customers in advance at least 30 days before implementation.

* Rs.60/-+GST for Life Certificate Pick- Up from pensioner /family pensioners.

2.2

For All SB/CA/CC/OD Customers: Customers, depositing cash of Rs. 2 lacs or more per day for an average of 10 days in a month in areas having a currency chest, have to be mandatorily provided Doorstep Banking Services

· This option is provided to CA/ SB account customers who agree to keep desired float in their account so that the actual Security Agency charges are paid by the Bank.

· Commitment Charges - If customer doesn’t maintain requisite float balance, Commitment Charges will be charged, on monthly basis, @ 4% of the deficit of float balance in customer account, on daily deficit amount OR actual Bank’s Service Charges for DSBs, as given under.

· Maximum cash pickup limit: As per prevalent Banker’s Indemnity Policy (presently, Rs. 2 Crore per cash van)

· Service Charges: Rs. 25/- + Cash Deposit Charges at base branch, as per prevalent IRMD / RMD Circular + Service Provider’s Charges on actual basis.
1. Transfer Of Entire Balance In Savings Bank Account To Some Other Bank Remittance Charges + Out of pocket expenses
2. Electronic Clearing Service

ECS: Credit Clearing: Charges (Per Data Entry/Record)
sponsor bank: Minimum Charges Rs.2000/- + Charges Payable To Rbi And Destination Bank, If Any.
Upto 10000 records @Rs.5/- per record + charges payable to RBI and Destination Bank, if any.
Above 10000 to 100000 records @Rs.3/- per record + charges payable to RBI and Destination Bank, if any. (Subject to a minimum of Rs.50,000/-).
Above 100000 records @Rs.2/- per record + charges payable to RBI and Destination Bank, if any. (Subject to a minimum of Rs.3, 00,000/-.)
ECS: Debit Clearing
ECS: Debit Clearing: Rs.3/- Per Transaction Charges Minimum Charges Rs.2000/- + Charges Payable To Rbi And Destination Bank, If Any. Subject To Recovery Of All Out Of Pocket Expenses Including Processing Charges In Case They Are Ever Again Levied By Reserve Bank Of India.
A sum of Rs.100/- be levied as returning charges on return of ECS (Debit) on account of Insufficient Funds.
Full waiver in respect of INCOME TAX REFUND ORDERS: Reserve Bank of India vide their circular No. RBI/2004/90- DBGA. GAD No. H-767/42.01.034/2003-04 dated 9.3.2004 on the subject has conveyed that Government has taken a decision to implement Electronic Clearing services (ECS) credit for direct tax refunds. Accordingly, no ECS charges be levied in respect of Income Tax Refund Orders.

PNB Insta-Remit: Notwithstanding Anything Contained In Any Other Circular, Following Service Charges Would Be Levied For Transfer Of Funds Through:

Real Time Gross Settlement (Rtgs)

national electronic fund transfer(neft)

Structured financial messaging system (sfms)

Banking Facilities to Senior Citizen of more than 70 years of age and Differently Abled Persons are as under:

Sl.No. Nature of Service Service Charges # (Through Base Branch)
(Door Step Banking (DSB) to Senior Citizens Above 70 Years & Differently Abled Persons)
1 Non-financial transaction Rs.100/- + GST*
2 Financial transactions Rs.100/- + GST
  • Customer’s registered address should be within the radius of 5 KMs of the base branch at Metro/ Urban/ Semi Urban and 2 KMs in Rural area.
  • Amount of cash deposit/ withdrawal per day restricted to Rs.20,000/-
  • The above mentioned service charges will be applicable w.e.f 01.07.2019.
  • # The service charges are subject to change from time to time. The charges will be displayed on the website. Any change in the charges will be notified to customers in advance at least 30 days before implementation.
  • * Rs.60/-+GST for Life Certificate Pick- Up from pensioner /family pensioners.

A.2. - DIGITAL BANKING OPERATIONS RELATED SERVICE CHARGES

S.No.

PARTICULARS

SERVICE CHARGES

1. Charges for outward RTGS/NEFT/IMPS transaction charges in SF/CA/OD/CC accounts

1.1

RTGS

Slab

Charges #

Branch

Online

CC/OD

Saving Account

Current Account (w.e.f 12.10.2023)

Rs. 2 Lakh to Rs. 5 Lakh

Rs. 24.50

Rs. 24.00

Rs. 24.00

NIL

Above Rs. 5 Lakh

Rs. 49.50

Rs. 49.00

Rs. 49.00

# above charges are exclusive of applicable GST

1.2

NEFT

Slab

Charges #

Branch

Online

CC/OD

Saving Account

Current Account (w.e.f 12.10.2023)

Up to Rs. 10000

Rs. 2.25

Rs. 1.75

NIL

NIL

Above Rs. 10000 to Rs. 1 Lakh

Rs. 4.75

Rs. 4.25

Above Rs. 1 lakh to Rs. 2 lac

Rs. 14.75

Rs. 14.25

Above Rs. 2 Lakh

Rs. 24.75

Rs. 24.25

# above charges are exclusive of applicable GST

1.3

IMPS

Slab

Charges #

Branch

Online

CC/OD

Saving Account

Current Account (w.e.f 12.10.2023)

Up to Rs. 1000

NIL

NIL

NIL

NIL

Above Rs. 1001 to Rs. 1 lakh

Rs. 6.00

Rs. 5.00

Rs. 5.00

Above Rs. 1 lakh

Rs. 12.00

Rs. 10.00

Rs. 10.00

# above charges are exclusive of applicable GST

1.4

National Automated Clearing House (NACH) Mandate

Activity

Charges

Outward NACH Credit Transactions of Corporate

Rs. 2/- per record subject to a minimum of Rs. 500/-

Outward NACH Debit Transactions of Corporate

Inward NACH Mandate Verification (Physical/ E-Mandate)

Rs. 100/- per mandate on acceptance

Outward NACH Mandate of Corporates

Rs. 50/- per mandate on acceptance

Returning charges on return of NACH (Debit) on account of Insufficient Funds

Rs. 250/-
2. SMS ALERTS / Internet Banking / Mobile Banking

2.1

SMS (wef. 1st July 2022)

Account

Charges

Saving Account

25 paise per SMS + GST (max Rs.15/- + GST per quarter)

Other Than Saving Account

25 paise per SMS + GST (max Rs.25/- + GST per quarter)

2.2

Internet Banking / Mobile Banking

2.2.1

Registration

NIL

2.2.2

Duplicate Password Charges

Rs. 50/- per event in case of offline request received through Branches. However, the incumbent In-charge can waive off the charges looking into the genuineness of the case.

3. Bunch Note Acceptor (BNA) / Cash Deposit Machine (CDM)

3.

Bunch Note Acceptor (BNA) / Cash Deposit Machine (CDM)

Particular

Charges

Card/ Card less cash deposit in SB/ CA/ CC/ OD A/c up to Rs. 2.00 Lac

NIL

Card/ Card less cash deposit in SB A/c above Rs. 2.00 Lac

Rs. 1/- per Rs. 1000/- or part thereof with a min. of Rs. 15/ per transaction

Card/ Card less cash deposit in CA/ CC/ OD above Rs. 2.00 Lac per transaction

Rs. 1/- per Rs. 1000/- or part thereof with a min. of Rs. 25/ per transaction
4. ATM CUM DEBIT CARD CHARGES / PREPAID CARD CHARGES
W.e.f 05-06-2023, the Issuance and Annual charges on Debit Cards & Pre-paid Cards are as under:

Debit Cards:
(Rs.) excluding taxes

Issuance Charges

S. No.

Variant

For Primary Debit card

For Add On Card / Card Replacement Charges (due to lost, Hotlist, Damage)

Annual Charges

1

Rupay NCMC Classic

Nil

150

150

2

Master Classic

Nil

150

150

3

VISA Classic

Nil

150

150

4

Rupay Classic Kisan

Nil

150

Nil

5

RuPay PMJDY

Nil

150

Nil

6

RuPay Pungrain

Nil

150

Nil

7

RuPay Mudra

Nil

150

Nil

8

RuPay NCMC Platinum

250

250

250

9

Rupay International

250

250

250

10

RuPay JCB Platinum

250

250

250

11

Master Platinum

250

250

250

12

Master International

250

250

250

13

VISA Gold

250

250

250

14

Master Business

250

250

500

15

VISA Signature

500

500

750

16

RuPay Select

500

500

750

Pre-Paid Cards:
(Rs.) excluding taxes

Issuance Charges (excluding taxes)

Annual fees (excluding taxes)

Card surrender and transfer of unutilized balance

50

For cards having balances above Rs.500/- on the date of expiry of card, Annual Maintenance fee of Rs.150/- will be levied & account will be maintained for one additional year, thereof. In case, balance goes below Rs.500/-, the entire balance will be forfeited and card will be closed.

250
*Taxes as applicable

Duplicate PIN/ Regeneration of PIN through Branch

Rs.50/- (for request through branch; Exempted for Govt. Sponsored Scheme

Nil (if done through Green Pin at ATMs)

Charges on Failed Debit Card POS, E-COMMERCE & ATM Cash Withdrawal Transactions due to Insufficient Funds in account.
Category of Transaction With effect From Date Charges (In INR) Excluding Taxes
International POS transactions 07-12-2023 Rs.25/-
Domestic POS transactions Rs.15/-
Domestic and International E Com transactions Rs.15/-
ATM Cash Withdrawal transactions 01-05-2023 Rs.10/-

For use of Bank’s own ATMs located in Metro and Non-Metro Areas

Account Type

Free transactions (successful financial transactions)

After Free Transactions

Saving Fund/ Current Accounts

5 Transactions/Month

Rs. 10/- per Transactions (plus applicable taxes)

However, the following categories of account holders are exempted from above charges:

A. Staff / Ex-staff

B. Cards issued in Basic Saving Account

C. Defence personnel and Pensioners

*Non-financial transactions are “FREE” at PNB ATMs for PNB customers.

For use of other Bank’s ATMs located in Metro and Non-Metro Areas

Account Type

Particulars

Metro^

Non Metro

Saving Fund Accounts

Free Financial and Non- Financial Transactions

3 Transactions/ Month

5 Transactions / Month

After Free Financial Transactions

Rs 23/- per Transactions (plus applicable taxes)

After Free Non-Financial Transactions

Rs 11/- per Transactions (plus applicable taxes)

=> ^viz. Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad.

=> The charges are applicable to staff also.

In case of other than Saving Fund Accounts, all transactions will be chargeable @Rs.23 (plus applicable taxes) for financial transactions and Rs. 11 (plus applicable taxes) for non-financial transactions.

*Refer RBI letter RBI/2021-22/52 DPSS.CO.OD. No. S-182/06.07.011/2021- 22 dated 10.06.2021 updated on 28.03.2025
on “Usage of Automated Teller Machines/Cash Recycler Machines – Review of Interchange fee and Customer Charges.

Interoperable Cash Deposit With Card (For inter-bank Cash Deposit) through CRM/BNA

Particulars

Bank as Only Issuer (PNB Cardholder deposits cash in third party account)

Bank as Only Beneficiary (Amount deposited in PNB Account)

Bank as both Issuer and Beneficiary (PNB Cardholder deposits cash in own Account linked with card)

For ‘Cash Deposit’ up to Rs. 10,000/-

Rs. 12.50 plus GST

Rs. 12.50 plus GST

Rs. 25 plus GST

For ‘Cash Deposit’ between Rs. 10,000/- and Rs. 49,900/-

Rs. 25 plus GST

Rs. 25 plus GST

Rs. 50 plus GST

*ICD with card functionality is not applicable if PNB cardholder deposits cash in PNB account through PNB CRM/BNA. The customer can use Cardless cash deposit or Card Cash Deposit option in such cases.

**As issuer: Charges shall be deducted from cardholder’s account

***As beneficiary: Charges shall be deducted from account in which cash is deposited

International Transactional Charges (If said facility opted in debit card)

Balance Enquiry at ATMs

Rs.25/-

ATM cash withdrawal transactions

Sr. No.

Network

Card Type

Transaction Charges

1

PNB<> Druk Bank (Bhutan)

All PNB international Debit cards

At Druk bank ATMs

Cash withdrawal: Rs. 12/- (plus taxes)

Balance Enquiry: Rs.2/- (plus taxes)

2

PNB <-> RMA Bhutan (Royal Monitory Authority Bhutan)

PNB Rupay International Debit Cards

For all ATMs in Bhutan other than Druk bank ATMs.

Cash withdrawal: Rs.50/- (plus taxes).

Balance Enquiry: Rs. 10/- (plus taxes).

3

PNB <-> EBL Nepal

All PNB International Debit Cards

At EBL ATMs

Cash withdrawal – Rs.50/- (flat)

X`Balance Enquiry – Rs.15/- (flat)

4

PNB <-> All other transactions

All PNB International Debit Cards

Rs.150/- (flat). Apart from this, customer is charges by the acquiring bank which is not fixed and ranges from country to country. It is typically between 2-4% of transaction amount.

Point of Sale (PoS) / e-Com Transactions

3% of transaction amount

5. CMS PRODUCTS CHARGES

1. Fee Collection Module (FCM)

Rs. 2.00/- per Rs. 1000

Minimum charge per transaction is Rs. 40.00/

2. Integrated Fee portal (IFP)

IBS: Rs. 8.00 – Rs. 20.00
Debit Card: 0.4% - 0.9%
Credit Card: 1% - 1.9%

3. CMS (Cash Management services)

(Charges in paisa /per Rs. 1000)

Annual Turn Over In Rs. Crores

TYPE OF CENTRE

>250

100-250

<100

Metro

6

15

25

Urban

20

30

50

Semi Urban

50

70

90

Rural

70

90

120

Above charges will be for credit arrangements on actual realization basis. Minimum charge per instrument Rs. 2/-

- Returning charges – Rs. 120/- per instrument

- If party desires immediate credit, interest @MCLR+6.5% shall be charged or if party is availing credit facility with @ROI being charged in the account + 1% for the days for which credit has been given in advance.

4. ADM (Auto Debit Mandate)

For Corporate Availing ADM Services :
Mandate Registration/ verification charges : Rs. 40.00/-per mandate(One time charge)
Mandate execution charges on due date : Rs. 5.00/- per transaction
Representation for Returning Charges: Rs. 100.00/- per transaction (as per banks guidelines)
For Individual Account Holders (w.e.f 05.04.2024):
Inward Mandate Verification (For Successful case only) : Rs.100/+GST per mandate (One time charges per fresh registration)
Returning charges on failure of DDS transaction (debit) on account of insufficient Funds : Rs. 250/+GST- per transaction (Return with reason insufficient fund)

5. E – CMS

Rs. 5.00/- per transaction

Further, above charges are standard charges and charges will be client specific and will be fixed as per the cost benefit analysis of business.

Depository Charges
charges
S. No. Services Individual Non Individual Pool A/c CM / Sub broker Beneficiary A/c Stock Broker-Collateral (New category- as per NSCCL Circular dated 12.05.2017 for acceptance of Securities as collateral.
1 Account Opening Charges Nil including staff Nil Nil Nil NIL
2 Advance/Deposit (Clients not maintaining SB/CA Account) Deposit Rs. 10000. Staff :- Nil Deposit Rs. 10000. Deposit Rs. 10000. Deposit Rs. 10000. Deposit Rs. 10000.
3 Account Maintainence Charges for Clients Maintaining SB/CA account NSDL:-
a) Registered e-mail Rs 300
b) Not registered e-mail Rs 350
c) Staff :- NIL
d) Sr. Citizen:- 115/-
CDSL :-
a) Registered e-mail Rs 300
b) Not registered e-mail Rs 350
c) Staff :- NIL
d) Sr. Citizen:- 115/-		 "NSDL:-
a) Registered e-mail Rs 800
b) Not registered e-mail Rs 900
CDSL :-
a) Registered e-mail Rs 800
b) Not registered e-mail Rs 900 "		 1. NSDL Rs 300
2. CDSL Rs 750		 1. NSDL Rs 800
2. CDSL Rs 800		 1. NSDL Rs 300
2. CDSL Rs 300
4 Account Maintainence Charges for Clients not Maintaining SB/CA account NSDL:- \
a) Registered e-mail Rs 600
b) Not registered e-mail Rs 700
c) Staff :- Nil
d) Sr. Citizen:- 115/-
CDSL :-
a) Registered e-mail Rs 600
b) Not registered e-mail Rs 700
c) Staff:- Nil d) Sr. Citizen:- Rs 115/- "		 NSDL:-
a) Registered e-mail Rs 1600
b) Not registered e-mail Rs 1800
CDSL :-
a) Registered e-mail Rs 1600
b) Not registered e-mail Rs 1800 "		 1. NSDL Rs 600
2. CDSL Rs 1250		 1. NSDL Rs 1300
2. CDSL Rs 1300		 1. NSDL Rs 600
2. CDSL Rs 750
5 Speed-e Password Based (Incl AMC)

Rs.500 Staff :- Nil

 NIL

Rs 500

NIL
6 Speed-e Token Based (Incl AMC) Rs.2000/- Rs.2000/- Rs.2000/- Rs.2000/- Rs.2000/-
7 Dematerialization (NSDL & CDSL) Rs 2 per certificate with minimum of Rs 35/- plus postage as applicable Rs 2 per certificate with minimum of Rs 35/- plus postage as applicable N.A Rs 2 per certificate with minimum of Rs 35/- plus postage as applicable N.A.
8 Rematerialization (NSDL & CDSL) A fee of Rs. 10 for every hundred securities or part thereof or a flat fee of Rs 10 per certificate (Whichever is higher) including Staff A fee of Rs. 10 for every hundred securities or part thereof or a flat fee of Rs 10 per certificate (Whichever is higher) N.A A fee of Rs. 10 for every hundred securities or part thereof or a flat fee of Rs 10 per certificate (Whichever is higher) N.A
9 Commercial Paper/CDS MIBOR linked paper purchase/sales 0.033% of market value with minimum of Rs 30/- per instruction and Max. of Rs 300/- per instruction. 0.033% of market value with minimum of Rs 30/- per instruction and Max. of Rs 300/- N.A 0.033% of market value with minimum of Rs 30/- per instruction and Max. of Rs 300/- N.A
10 Transaction (Debit-market, off market & inter-Depository)& Redemption of Mutual Fund Units)) 0.03 % Minimum amount Rs 25/- Max Rs 5000. *Online trading/speed-e Rs. 10/- per transaction where AMC is Annual

*Online trading/speed-e Rs. 10/- per transaction where AMC is Annual including Staff		 0.03 % Minimum amount Rs 25/- Max Rs 5000. *Online trading/speed-e Rs. 10/- per transaction where AMC is Annual

*Online trading/speed-e Rs. 10/- per transaction where AMC is Annual including Staff		 NSDL: Rs.10 CDSL: *Off Market/ Inter Depository Sell- Rs. 10/- *Off Market/Inter-Depository CM Delivery: 0.01 % of value; Min. of Rs 18/- *On Market Buy: 0.01% of value. Min. Rs 5/- ans Max. Rs 12/- Rs 13/ per transaction NSDL only Rs 10/-
11 Pledge Creation (NSDL & CDSL) 0.02% of of value with minimum Rs.100 0.02% of of value with minimum Rs.100 N.A 0.02% of of value with minimum Rs.100 100 +* NSDLs actual charges, if any. Rs 100 will be charged for cancellation of Pledge, as pledge cancellation charges.
12 Pledge Creation confirmation (NSDL & CDSL) 50% of pledge creation charges including staff we propose 50% of pledge creation charges N.A 50% charges of pledge creation 50% charges of pledge creation
13 Pledge Closure (NSDL & CDSL) Rs 50/- including staff Rs 50/- N.A Rs. 50/- Rs 100+ NSDLs actual charges, if any
14 Pledge Closure confirmation (NSDL & CDSL) Rs 50/- including Staff Rs 50/- N.A Rs. 50/- Rs 100+ NSDLs actual charges, if any
15 Pledge Invocation (NSDL & CDSL) Rs 50/- including staff Rs 50/- N.A Rs. 50/- Rs 100+ NSDLs actual charges, if any
16 Failed instruction charges (NSDL & CDSL) Rs 10/- including staff Rs 10/- Rs 10/- Rs 10/- Rs 10/-
17 Adhoc Account Statement Rs.50/- for staff :- Nil Rs. 50/- Rs. 50/- Rs. 50/- Rs. 50/-
18 Freezing/De Freezing Charges Rs 25/- Including Staff Rs 25/- Rs 25/- Rs 25/- Rs 25/-
19 Late Fee Rs 50/- Including staff Rs. 50/- Rs. 50/- Rs. 50/- Rs. 50/-
20 DIS Booklet Postage Charges Rs. 75/- each DIS Booklet including staff Rs. 75/- each DIS Booklet Rs. 75/- per each DIS Booklet Rs. 75/- each DIS Booklet Rs. 75/- each DIS Booklet

Notes:

Notes:

1) AMC will be levied on pro-rata for the first year of opening the account. Annual AMC shall be levied up-front during the month of April.

2) Advance fees of Rs. 10,000/- to be deposited upfront which will be adjusted against the future dues. In case the balance falls below Rs. 2000/- it shall be the responsibility of Client to replenish the upfront amount so as to continue the service.

3) NSDL/CDSL Charges for Receipt-In/Pay-out and penalty charges levied by SEBI for securities lying in pool A/c beyond stipulated period or any other charges will be charged on actual basis.

4) All the reference prices will be based on NSE price (NSDL formula) BSE Price (CDSL formula) and all charges payable monthly.

5) Punjab National Bank reserves right to revise the rate structure from time to time by giving 30 days’ notice.

6) AMC for Basic Services Demat Account (BSDA) appliATM CUM DEBIT CARD CHARGEScable as per SEBI guidelines.

7) KRA Charges Rs. 100/- per PAN for modification.

8) Sub Broker/CM Benificiary clients will be charged at the flat rate of Rs. 300/- per month to the account.

9) NSDL/CDSL fixed charges of Rs. 500/- per annum will be charged for each corporate account.

10) Charges for listed Demat services shall be raised at monthly intervals. Demat services not listed above will be charged separately as per Bank`s policy in the line with NSDL & CDSL Depositories.

11) For Pool A/Cs -Intersettelment & CM Pool to pool per debit transaction- 0.01%+NSDL/CDSL charges (Per ISIN). Pool A/c will be charged freeze charge of Rs. 125/-. As per CDSL, additional charge of Rs. 500/- per month will be charged in pool accounts.

12) All the above menATM CUM DEBIT CARD CHARGEStioned charges are exclusive of GST. Additional GST will be applicable as per the prevailing rates.

Knowledge

  • #
  • #
PNB The national portal of India
PNB digilocker
PNB Aadhaar
PNB my gov
PNB my scheme
PNB MeriPehchaan
Data Portal India
Previous Button Pause Button Next Button
Punjab National Bank
×
Chat with Live Agent