Punjab National Bank

Punjab National Bank - trusted banking partner

AI Score

76/100

Branches

10,100

ATMs

12,000

Digital Score

70/100

NRI Score

80/100

Overview

Punjab National Bank is a public sector bank in India serving millions across 10,100+ branches. Our AI assigns an overall score of 76/100, balancing digital experience, service quality, NRI banking, and business banking strength.

Advantages

Wide rural reach
Competitive loan rates
Strong corporate banking

Disadvantages

Digital lags behind private banks
Branch experience varies

Best For

Salaried professionalsFirst-time account holdersDigital-first customers

Charges Analysis

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Product Portfolio

Savings Account

Salary Account

Current Account

Fixed Deposit

Recurring Deposit

Home Loan

Personal Loan

Credit Cards

User Reviews

"Smooth digital onboarding and reliable UPI."

- Rohan S.

"Good service, charges could be lower."

- Priya K.

"Best for salary account - instant credit and zero balance."

- Aditya M.

FAQs

What is the minimum balance for Punjab National Bank savings account?

It varies by variant; typically ₹2,500 to ₹25,000 for metro branches.

Does Punjab National Bank offer NRI services?

Yes - NRE, NRO and FCNR accounts are available with online onboarding.

What FD rates does Punjab National Bank offer?

Current rates range 6.50% to 7.40% depending on tenure; seniors get +0.50%.

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