| 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 IndividualSole Proprietorship FirmsHindu 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| Non maintenance QAB | Freebies will be withdrawn | |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. |