PNB Net Banking – Steps to Login Online in 2024

New Delhi is home to Punjab National Bank, an Indian government-owned public sector bank. With over 180 million customers, 12,248 branches, and more than 13,000 ATMs, Punjab National Bank was established in May 1894 and is currently the second-largest public sector bank in India in terms of business volumes. The government owns around 73.15% of the bank. With its main office located in New Delhi, the Punjab National Bank This blog explains how to set up PNB Net banking, how to change passwords, and how to make online money transfers. Additionally, you may learn about the eligibility requirements and necessary paperwork for opening a PNB Net banking account from this blog.

What is PNB Net Banking?

Customers can access a variety of financial services and manage their funds online with the PNB net banking facility, which they can use from any location. Additionally, they benefit from 24-hour online assistance for all of their banking needs, including fund transfers and balance inquiries.

Features of PNB Net Banking

• You can transfer money between PNB bank accounts and third-party bank accounts by using a net banking feature.
• It enables users to change the banking instructions that apply to Fixed/Recurring Deposit accounts as well as open or end them online.
• While PNB net banking allows users to do these kinds of transactions even on bank holidays and weekends, branches are only able to handle interbank fund transfers during regular business hours.
• You can easily pay your credit card bills, utility bills, and even your direct and indirect tax responsibilities online with the PNB net banking service.

Document Required for PNB Net Banking

• Account Details: You need to have an account with Punjab National Bank. Make sure you have your account number and branch details handy.
• Identity Proof: This could be your Aadhaar card, PAN card, Passport, Voter ID, or any other government-issued photo ID.
• Address Proof: Documents like an Aadhaar card, Passport, Voter ID, or utility bills (electricity bill, water bill, etc.) with your current address.
• Passbook: Sometimes, the bank may ask for your passbook to verify your account details.
• Filled Application Form: You might need to fill out an application form for net banking services. This form can usually be obtained from the bank’s website or at a branch.
• Photographs: You might need to provide passport-sized photographs for documentation purposes.
• Signature Proof: Some banks may require you to provide a copy of your signature as part of the documentation process.
• Mobile Number: Ensure that the mobile number linked to your bank account is active and accessible as OTPs (One Time Passwords) will be sent to this number for verification during the registration process.

How do I Register for PNB Bank Net Banking?

The following is the detailed process to sign up for Punjab National Bank’s online banking services:

• Step 1: Go to official website of Punjab National Bank.
• Step 2: Click on “Login to Internet Banking.” After that, you’ll be taken to a different screen and asked for your User ID.
• Step 3: Select “New User” from the menu.
• Step 4: At this point, you must choose the registration type and provide the account number or PAN card number.
• Step 5: After inputting the information, select “verify.”
• Step 6: Indicate the kind of establishment. The phone number that was registered will receive an OTP. To verify, enter the OTP displayed on the screen.
• Step 7: At this point, you must
• Step 7: The debit card number and the necessary grid numbers must now be entered. After completed, click “Continue.”
• Step 8: A pop-up will appear to set the password and login pin. Process after entering both of them.
• Step 9: Click “Complete registration” after reading and agreeing to all terms and conditions.
• Step 10: The user will see a pop-up that says, “successfully registered,” after the registration process is complete.

Steps to Activate PNB Net Banking

• Step 1: Go to PNB’s official website and click on the Net banking portal. 
• Step 2: .”Next, choose the ‘Retail’ option. A window requiring your User ID to be entered will then popup.
• Step 3: If this is your first time registering, click on ‘New User’ next.
• Step 4: An additional window will open, and you will need to choose “Register for Internet Banking/Mobile Banking/Both.”
• Step 5: Enter your Account Number and select either the “View Only” or “View & Transaction” options – while the first option allows you to monitor your account activities online, the second option gives you access to various financial and non-financial transactions online.
• Step 6: Enter the OTP (Time Password) received on your registered mobile number. 
• Step 7: Next, enter your Card Number and ATM PIN to verify your identity.
• Step 8: Next, you can create new passwords for logins and transactions to activate PNB Net Banking.

What is PNB Corporate Net Banking?

Through Corporate Net Banking from Punjab National Bank (PNB), corporate customers—that is, non-individual customers including firms, trusts, partnerships, and proprietorships—can conduct online banking operations at any time and from any location. Let’s examine the features, qualifying requirements, registration process, and more for PNB Corporate Net Banking.

Features of PNB Corporate Net Banking 

• Instant registration & activation with online User & Role Management
• Account details, nominee information, check inquiries, and statement of accounts are all viewable quickly.
• Simplified Limit Setting Process & Beneficiary Management.
• Fund Transfer to own accounts/other accounts within PNB
• Fund transfers between banks via RTGS, NEFT, and IMPS.
• Bulk fund transfer is within PNB/ Other Bank Beneficiaries.
• Future Transaction Management -Provision for recurring & scheduling transactions
• Utility Bill payment services -Electricity/mobile/telephone etc.

How to Check Balance through PNB Bank Net Banking?

You can signed up for PNB Net Banking can use the following procedures to verify their account balance using the net banking services:

• Step 1: Log in to the PNB net banking account with your login ID and password.
• Step 2: Go to the ‘View Account’ option.
• Step 3: Click on the ‘Check Account Balance’ option.

On the screen will contain the balance of your PNB account as of right now.

How to Send Money using PNB Bank Net Banking?

• Log in to your PNB Net Banking Account: Visit the official PNB Net Banking website and you can login to user ID and password.
• Go to the Funds Transfer Section: After logging in, locate the “Payments” or “Funds Transfer” section. This is typically seen in the dashboard or main menu.
• Choose Transfer Method: Depending on your requirement and the options available, select the appropriate transfer method. PNB typically offers various options, such as:
• NEFT (National Electronic Funds Transfer)
• RTGS (Real Time Gross Settlement)
• IMPS (Immediate Payment Service)
• Interbank Mobile Payment Service (IMPS P2A/P2P)
• UPI (Unified Payments Interface)
• PNB Internal Accounts Transfer (for transferring within PNB accounts)
• Add Beneficiary: You must include the new recipient as a beneficiary if you are sending money to them.. Provide their account details such as name, account number, IFSC code, etc. and save them for future transactions.
• Enter Transfer Details: After selecting the transfer method and beneficiary (if required), enter the amount you wish to transfer and any other relevant details such as purpose of payment, remarks, etc.
• Verify Transaction: Review the transaction details carefully to ensure accuracy.
• Authenticate Transaction: Depending on the transfer method and security measures implemented by PNB, you may need to authenticate the transaction using OTP (One Time Password) sent to your registered mobile number or through any other method specified by the bank.
• Confirm Transfer: Once authenticated, confirm the transfer to initiate the transaction.
• Transaction Status: After completing the transaction, you will receive a confirmation message or email from PNB. You can also check the transaction status in your net banking account to ensure the funds have been successfully transferred.
• Keep Transaction Record: It’s a good practice to keep a record of the transaction details for your reference and future tracking.

How to Change Password in PNB Bank Net Banking?

• Click the Internet Banking button on the left side of the home page when you visit PNB’s official Internet Banking website.
• After entering your User ID and selecting “Continue,” you will be taken to the “Existing Users Login” page. The screen will display a new login page. Select ‘Forgot Password.’
• After that, input your User ID information and select “Submit.”
• An OTP will be sent to the registered mobile number you provided. After entering the OTP, select “Continue.”
• To continue, you will then need to input your ATM PIN, account number, and debit card number. Next, select ‘Continue’.
• A new page with the options to “Set Transaction Password” and “Set Internet Login Password” will be displayed to you. To reset your passwords for both transactions and internet logins, choose both options.
• Finally, select “Submit.”

There you go. You have successfully reset your password. 

What are the Charges & Limit Associated with PNB Bank Net Banking?

1. NEFT Charges

2. Limit

Advantages & Disadvantages of PNB Bank Net Banking

1. Advantages

• Convenience: Net banking allows you to access your bank account anytime, anywhere, as long as you have an internet connection. You can perform various banking transactions without visiting a physical bank branch.
• 24/7 Access: Unlike physical bank branches that have specific operating hours, net banking services are available 24/7, including weekends and holidays. This will ensure the flexibility to the users. 
• Fund Transfers: Net banking enables easy and quick fund transfers between your own accounts, to other accounts within PNB, and to accounts in other banks through NEFT, RTGS, IMPS, UPI, etc.
• Bill Payments: You can pay utility bills, credit card bills, insurance premiums, and other bills directly from your bank account using net banking, saving time and effort.
• Account Management: Net banking allows you to view account balances, download account statements, check transaction history, request chequebooks, update personal information, and perform various account management tasks online.
• Security Features: PNB implements security measures such as two-factor authentication, encryption, and secure login protocols to protect user accounts and transactions conducted through net banking.

2. Disadvantages

• Internet Dependency: Net banking requires a stable Internet connection. If you don’t have access to the internet or face connectivity issues, you may not be able to perform banking transactions.
• Security Risks: While banks implement security measures, net banking is not immune to risks such as phishing attacks, malware, and unauthorized access. You need to be vigilant and follow security best practices to safeguard their accounts.
• Technical Glitches: Like any online service, net banking platforms may encounter technical glitches, server downtime, or maintenance issues, which can temporarily disrupt access to banking services.
• Limited Cash Transactions: Net banking is primarily suitable for digital transactions. If you need to deposit or withdraw cash, you may still need to visit a physical bank branch or ATM.
• Learning Curve: Some users, especially those who are not familiar with technology or online banking, may find it challenging to navigate and use net banking platforms initially.
• Dependency on Third-party Devices: Using net banking on shared or public devices (such as cyber cafes) can pose security risks if proper precautions are not taken to protect personal information and log out securely.

Final Word

Punjab National Bank (PNB) has emerged as a leading banking institution in India, serving millions of customers nationwide. With PNB Net Banking, you can perform a wide range of banking transactions with just a few clicks, right from the comfort of your home or office. The user-friendly interface and advanced security features ensure your banking experience is hassle-free and safe. In addition to managing your accounts, PNB Net Banking also allows you to pay bills online and transfer funds between accounts.

FAQs