PNB Account Opening Online: Complete Process
PNB Account Opening Online: Complete Process
Punjab National Bank allows you to open a savings account online through the PNB ONE app or the official PNB website using video KYC and Aadhaar-based verification. No branch visit is required. Here is the step-by-step process for 2026.
Eligibility for Online Account Opening
- Indian resident, aged 18 years or above.
- Valid Aadhaar card with mobile number linked to UIDAI.
- Valid PAN card.
- Functional smartphone with camera for video KYC.
Step-by-Step Online Account Opening Process
- Visit the PNB official website (pnbindia.in) or download the PNB ONE app.
- Click on Open Account Online.
- Enter your Aadhaar number and complete OTP verification from your Aadhaar-linked mobile number.
- Your personal details are auto-filled via UIDAI verification.
- Enter your PAN card number for tax linking (mandatory under Income Tax rules).
- Fill in additional details: nominee information, address preferences, account type.
- Schedule a video KYC call. A PNB representative will verify your face, signature, and documents over video.
- Once video KYC is completed, your account number is generated within a few hours.
- Set up your net banking credentials and download PNB ONE.
Types of Accounts Available Online
- Regular Savings Account: Standard account with Rs 500-1000 MAB (varies by location).
- Zero Balance Account (PMJDY-linked): No minimum balance; basic banking services.
- Senior Citizen Account: Higher interest rates and additional benefits for those aged 60 and above.
Key Takeaways
- PNB account can be opened 100% online using Aadhaar, PAN, and video KYC.
- The process is available on pnbindia.in and the PNB ONE app.
- Account number is generated within a few hours of successful video KYC.
- Physical debit card is dispatched within 7-10 working days to your registered address.
Frequently Asked Questions
Can I open a PNB account online without an Aadhaar card?
Aadhaar is the primary document for digital account opening as it enables instant OTP-based verification. Without Aadhaar, you need to visit a branch with alternative KYC documents.
How long does PNB video KYC take?
The video KYC session typically takes 5-10 minutes. PNB representatives are available during banking hours, Monday to Saturday.
What is the minimum balance for a PNB savings account?
The minimum balance ranges from Rs 500 in rural areas to Rs 1,000 in semi-urban and Rs 2,000 in urban branches. Zero-balance PMJDY accounts are also available.
Can NRIs open a PNB account online?
No. The online account opening process is available for Indian residents only. NRIs need to visit a PNB branch or submit documents through the NRI services portal.
