Punjab National Bank (PNB) Minimum Balance Charges – 2026 Guide
PNB minimum balance charges depend on your account type and branch location (rural / semi-urban / urban / metro). If the required balance is not maintained, the bank may levy a non-maintenance charge.
Quick Summary
- Applicable to: Regular PNB savings accounts
- Varies by: Area category & account variant
- Jan Dhan / Basic Savings: Usually zero balance
- Charges: Applied monthly/quarterly if balance falls short
PNB Minimum Balance Requirement (Savings Account)
The exact minimum balance may vary by branch and account type. The figures below are typical ranges used by PNB.
| Branch Area | Typical Minimum Balance |
|---|---|
| Rural | ₹500 – ₹1,000 |
| Semi-Urban | ₹1,000 – ₹2,000 |
| Urban | ₹2,000 |
| Metro | ₹2,000 – ₹3,000 |
PNB Minimum Balance Charges (Indicative)
If the balance is below the required limit, PNB may charge:
| Shortfall Level | Typical Charges* |
|---|---|
| Partial shortfall | ₹50 – ₹100 |
| Major shortfall | ₹100 – ₹200 |
*Charges are indicative and may change based on bank policy and account variant.
Accounts With Zero Minimum Balance
PNB usually does not charge minimum balance fees for:
- Pradhan Mantri Jan Dhan Yojana (PMJDY) accounts
- Basic Savings Bank Deposit Accounts (BSBDA)
- Certain salary accounts (subject to employer tie-up)
Always confirm your specific account terms.
How to Check Your PNB Minimum Balance Requirement
You can check the exact requirement for your account by:
- Logging into PNB Net Banking or mobile app
- Checking your account opening form / welcome kit
- Asking at your home branch
How to Avoid Minimum Balance Charges
- Maintain the average monthly balance
- Switch to a zero-balance or basic savings account if eligible
- Track balance using SMS alerts or mobile banking
- Credit salary/pension (if applicable) to get fee waivers
FAQs
Q. Does PNB charge minimum balance every month?
A. Charges are usually applied monthly or quarterly, depending on account rules.
Q. Are minimum balance charges the same across India?
A. No. They vary by branch location and account type.
Q. Can charges be reversed?
A. In some cases, the branch may consider reversal on request, especially for first-time charges.
Security & Account Tips
- Enable low-balance SMS alerts
- Review charges in your monthly statement
- Keep a small buffer above the minimum balance
Conclusion
Punjab National Bank minimum balance charges vary based on account type and branch area. To avoid fees, maintain the required balance or opt for a zero-balance savings account if you’re eligible. For exact figures, always check in your PNB app or confirm with your branch.
