PNB Rakshak Plus Scheme

PNB Rakshak Plus Scheme
Zero balance Salary/ Pension account for serving & non- serving Defence Personnel

Eligibility: All Defence Personnel are eligible to open salary account under the scheme i.e. all three wings of Defence.

  • PNB Rakshak Plus Scheme also includes BSF, CRPF, CISF, ITBP, State Police Force, Metro Police (Cities which follows Police Commissionerate System- like Delhi Police, Mumbai Police, Kolkata Police etc.), Research and Analysis Wing (RAW), Intelligence Bureau (IB), Central Bureau of Investigation (CBI) Indian Coast Guard Personnel & Para-Military personnel, Gentlemen cadets and Special Forces at Central & State level.
  • Benefits of PNB Rakshak Plus scheme are also extended to all the pensioners who choose to draw their pensions through PNB Branches and pension is credited through CPPC i.e. processed & credited through our bank. Accounts where pension is received by Cheque/NEFT/RTGS etc will not be covered under scheme


Features: The salient features of “PNB Rakshak Plus” are as under:


  • Personal Accidental (Death) cover of Rs.50.00 lakh.
  • Air Accident (Death) Insurance cover of Rs.100.00 lakh.
  • Personal Accident (Permanent total Disability) cover of Rs.50.00 lakh.
  • Sweep Facility –
    Initial threshold amount – Rs. 10000/-
    Minimum Sweep In/Out – Rs. 1000/-
    Multiples of – Rs. 1000/-
  • No ‘Cash Handling Charges’ would be levied for transaction(s) implying thereby that all branches of PNB, PAN-India, would be considered as ‘Home’ branch.
  • Overdraft upto last 3 months Net Salary/ Pension amounting from Rs.75000/- to Rs.3,00,000/- lakh.
  • Concession in rate of interest and service charges under Housing, Car, Education and Personal Loan Schemes.
  • Education loan under “PNB Pratibha” is available for wards of a Primary Account holder who take admission in premier Institutes and the Army Educational institutions.
  • Zero balance saving account to family members.
  • Concession in locker rent - 25% Annual Maintenance Charges(AMC) waived off for three years from date of issue
  • Financial assistance of Rs. 1.00 lakh per year for 4 years or the actual expenditure whichever is less, for education of two surviving and dependent child (Male / Female) of a PAI (Death).
  • Unlimited free DDs / POs with a ceiling of Rs 50,000/- per free DD/ PO.
  • Gorkha personnel can remit amount from his PNB a/c in India to their linked account in Everest Bank Limited (EBL) at Nepal and vice-versa, free of charge.
  • Free SMS Alerts for transactions in the account and on the connected Debit / Credit card(s).

* Terms and Conditions Applied

  • Rewarded


    Earn reward points on transactions made at POS and e-commerce outlets

  • Book your locker

    Book your locker

    Deposit lockers are available to keep your valuables in a stringent and safe environment

  • Financial Advice?

    Financial Advice?

    Connect to our financial advisors to seek assistance and meet set financial goals.

  • ATM & Branch Network

    ATM & Branch Network

    Find PNB Branches and ATMs in proximity to your location.

back to top