{"id":10254,"date":"2026-02-06T08:28:31","date_gmt":"2026-02-06T08:28:31","guid":{"rendered":"https:\/\/lemonn.co.in\/blog\/?post_type=banking&p=10254"},"modified":"2026-02-06T08:28:31","modified_gmt":"2026-02-06T08:28:31","slug":"pnb-upi-registration-app-limits-charges-2026-guide","status":"publish","type":"banking","link":"https:\/\/lemonn.co.in\/blog\/banking\/pnb-upi-registration-app-limits-charges-2026-guide\/","title":{"rendered":"PNB UPI \u2013 Registration, App, Limits & Charges (2026 Guide)"},"content":{"rendered":"\n

PNB UPI<\/strong> lets Punjab National Bank customers send and receive money instantly using UPI ID, mobile number, or QR code<\/strong>. It works 24×7<\/strong>, including weekends and bank holidays.<\/p>\n\n\n\n

Here\u2019s a complete, easy-to-understand guide.<\/p>\n\n\n\n

Quick Summary: PNB UPI<\/h2>\n\n\n\n
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  • Bank:<\/strong> Punjab National Bank (PNB)<\/li>\n\n\n\n
  • UPI apps supported:<\/strong> BHIM PNB UPI, BHIM, Google Pay, PhonePe, Paytm<\/li>\n\n\n\n
  • Transaction time:<\/strong> Instant<\/li>\n\n\n\n
  • Availability:<\/strong> 24×7<\/li>\n\n\n\n
  • Charges:<\/strong> Usually free<\/li>\n<\/ul>\n\n\n\n

    What Is PNB UPI?<\/h2>\n\n\n\n

    PNB UPI is the Unified Payments Interface<\/strong> service linked to your PNB savings or current account<\/strong>. You can use it through:<\/p>\n\n\n\n

      \n
    • BHIM PNB UPI App<\/strong> (official app), or<\/li>\n\n\n\n
    • Third-party UPI apps<\/strong> like Google Pay or PhonePe<\/li>\n<\/ul>\n\n\n\n

      How to Register for PNB UPI (Step-by-Step)<\/h2>\n\n\n\n

      Using BHIM PNB UPI App<\/h3>\n\n\n\n
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      1. Install BHIM PNB UPI App<\/strong><\/li>\n\n\n\n
      2. Open app \u2192 Select language<\/li>\n\n\n\n
      3. Enter your registered mobile number<\/strong><\/li>\n\n\n\n
      4. Verify via SMS<\/li>\n\n\n\n
      5. Select PNB account<\/strong><\/li>\n\n\n\n
      6. Create UPI ID<\/strong><\/li>\n\n\n\n
      7. Set UPI PIN<\/strong> using debit card details<\/li>\n<\/ol>\n\n\n\n

        \u2714 Registration completed<\/p>\n\n\n\n

        How to Set or Reset PNB UPI PIN<\/h2>\n\n\n\n

        You need:<\/p>\n\n\n\n

          \n
        • PNB debit card<\/li>\n\n\n\n
        • ATM PIN<\/li>\n\n\n\n
        • Registered mobile number<\/li>\n<\/ul>\n\n\n\n

          Steps:<\/strong><\/p>\n\n\n\n

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          1. Open UPI app<\/li>\n\n\n\n
          2. Select Forgot\/Set UPI PIN<\/strong><\/li>\n\n\n\n
          3. Enter debit card last 6 digits & expiry<\/li>\n\n\n\n
          4. Enter OTP<\/li>\n\n\n\n
          5. Create new UPI PIN<\/li>\n<\/ol>\n\n\n\n

            PNB UPI Transaction Limits<\/h2>\n\n\n\n
              \n
            • Per transaction:<\/strong> Up to \u20b91 lakh<\/li>\n\n\n\n
            • Daily limit:<\/strong> Up to \u20b91 lakh<\/li>\n\n\n\n
            • Number of transactions:<\/strong> As per NPCI rules<\/li>\n<\/ul>\n\n\n\n

              Limits may vary for new users or specific merchant payments.<\/p>\n\n\n\n

              PNB UPI Charges<\/h2>\n\n\n\n
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              • UPI transfers:<\/strong> \u20b90 (free for customers)<\/li>\n\n\n\n
              • Merchant payments:<\/strong> No charge to customers<\/li>\n\n\n\n
              • Failed transactions:<\/strong> No charges<\/li>\n<\/ul>\n\n\n\n

                Banks do not charge customers for standard UPI transactions.<\/p>\n\n\n\n

                How to Use PNB UPI<\/h2>\n\n\n\n

                Send Money<\/h3>\n\n\n\n
                  \n
                • Via UPI ID<\/strong><\/li>\n\n\n\n
                • Via mobile number<\/strong><\/li>\n\n\n\n
                • Via QR code<\/strong><\/li>\n\n\n\n
                • Via bank account + IFSC<\/strong><\/li>\n<\/ul>\n\n\n\n

                  Receive Money<\/h3>\n\n\n\n
                    \n
                  • Share your UPI ID<\/strong><\/li>\n\n\n\n
                  • Show your QR code<\/strong><\/li>\n\n\n\n
                  • Request money in app<\/li>\n<\/ul>\n\n\n\n

                    FAQs: PNB UPI<\/h2>\n\n\n
                    \n
                    \n
                    \n

                    Can I use PNB UPI without internet?<\/strong><\/h3>\n
                    \n\n

                    A. No. Internet is required for UPI transactions.<\/p>\n\n<\/div>\n<\/div>\n

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                    Is PNB UPI safe?<\/strong><\/h3>\n
                    \n\n

                    A. Yes, UPI uses 2-factor authentication<\/strong> (mobile + UPI PIN).<\/p>\n\n<\/div>\n<\/div>\n

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