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PNB "Current Account-Point of Sale" Scheme

Avail the benefit of Current account with special concessions under Point of Sale machine

Parameters

Features

PNB “Vikas” Current Account

PNB “Samridhi” Current Account

Target Customers

Tier  3 to Tier 6 cities/ North east states and Jammu & Kashmir

Tier 1 & Tier 2 cities

Eligibility

  • Resident Individual
  • Sole Proprietorship Firms
  • Hindu Undivided Family (HUF)
  • Partnership Firms and Limited Liability Partnerships (LLPs)
  • Private and Public Limited Companies and One Person Companies (OPCs)

All other entities eligible to open Current Account

Minimum Quarterly average Balance

Rural-Rs.1000/-,

Semi-Urban-Rs.2000/- & Urban & Metro-Rs.5000/-

Rs.100,000/-

Charges for Non- Maintenance of QAB

As prescribed by Bank from time to time

Non maintenance QAB

Freebies will be withdrawn

ATM cum Debit card:- To be issued to Individual

As per the eligibility.

  • RuPay International Platinum Debit Card*.
  • Daily Max Transaction limit ATM for cash withdrawal limit- Rs.50,000/- & Rs.1,25,000/- at POS/ ecommerce(combined)
  • PAI cover-Rs.2 Lakh
  • Domestic Airport lounge access and many more.

Internet Payment Gateway (IPG)

No Installation charges & Annual Maintenance Charges, presently, subject to change from time to time.

Bharat QR code

One Time Installation Charges & Rentals: NIL, subject to change from time to time.

Fee collection facilities

Charges applicable as per Banks extant guidelines.

RTGS/ NEFT/ IMPS

Free in online Corporate Internet Banking

Mobile Banking/ Internet Banking

Free

Point of Sale facility

  • Installation Charges:- NIL
  • Monthly Rentals:- Monthly Rentals- NIL subject to Terms and Conditions.
  • Merchant Service Fees (MSF) on Debit Card:- NIL.
  • MSF on Credit Card & UPI transactions through POS, QR & IPG:- It is based on Differential Pricing, subject to Terms and Conditions.
  • Lost Terminal Charges:- Rs.10,000/-.
  • De-installation Charges:- Out of pocket expenses (Bank charges) of Rs.3,000/- if de-installed within 12 months of installation.
  • Charges on Damage:- Actual cost of terminal+Rs.500/-.
  • Installation Charges:- NIL.
  • Monthly Rentals:- As per existing guidelines of the Bank, subject to change from time to time.
  • MSF on Debit Card/UPI:- As per existing guidelines of the Bank, subject to change from time to time.
  • MSF on Credit Card:- It is based on Differential Pricing, subject to Terms and Conditions.
  • Lost Terminal Charges:- Rs.10,000/-.
  • De-installation Charges:- Out of pocket expenses (Bank charges) of Rs.3,000/- if de-installed within 12 months of installation.
  • Charges on Damage:- Actual cost of terminal+Rs.500/-.

RTGS/ NEFT - Branch

Charges applicable as per Banks extant guidelines.

Free 4 No. of NEFT & 2 No. of RTGS per month

DEMAT AMC

Free AMC for only one Demat account in the name of Proprietor, for first year only.

Free AMC for only one Demat account in the name of Proprietor, for first year only.

DD/ PO Issuance Fee

Charges applicable as per Banks extant guidelines.

Free 6 DDs in a year, upto Rs.10,000/- per DD only.

Cheque book charges

25 free cheque leaves per Financial Year and above that standard charges are applicable

50 free cheque leaves per Financial Year and above that standard charges are applicable

Cash Handling Charges

  • Cash Deposit:- Free upto Rs.1,00,000/- per day
  • Cash Withdrawal:- Free upto Rs.1,00,000/- per day

Thereafter standard charges applicable

SMS Alerts Fee

Charges applicable as per Banks extant guidelines.

Account Statement through email

Free

Bulk Upload (Intrabank & NEFT)

Free

Credit Card

Available

Car loan documentation charges/Processing Fees**

25% waiver in fees in case of Car Loan are in the name of Proprietor, any partner or director of the Company.

50% waiver in fees in case of Car Loan are in the name of Proprietor, any partner or director of the Company.

*The services provided on Debit Card are provided by NPCI and are subject to change without prior notice.

**In case, any other relaxation is being offered by the bank, higher amongst the two relaxations will prevail.

Note: All other service charges other than the relaxations given in the proposed scheme will be levied as per Bank`s schedule of service charges as applicable from time to time.

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