| Particular | Details |
|---|---|
| Service | PNB Banking Services on WhatsApp |
| WhatsApp Number | +91-9264092640 |
| Starting Message | Send Hi / Hello |
| Availability | 24×7 × 365, including holidays |
| Account Holders | PNB individual and sole proprietor customers |
| Non-PNB Customers | Can use information-based services |
| Registered Mobile | Account-related services require the mobile number registered with PNB |
| Security | WhatsApp messages are end-to-end encrypted |
| Current Permitted Countries | India, USA, UK, UAE, Canada and Philippines |
| Charges | Currently, there is no charge for using PNB Banking Services on WhatsApp |
2. Who Can Use PNB WhatsApp Banking?
| Customer/Account Type | Details |
|---|---|
| Individual Customers | Eligible |
| Sole Proprietors | Eligible |
| Registered WhatsApp Number | Must be registered with PNB for account-related services |
| Self-operated Account | Can be viewed on WhatsApp |
| Proprietorship Account | Can be viewed |
| Either or Survivor | Can be viewed |
| Former or Survivor | Can be viewed |
| Joint Account | Can be viewed |
| Anyone or Survivor | Can be viewed |
| Cheque Book/Stop Cheque Services | Subject to PNB guidelines and mode of operation |
3. Registration / Activation Process
| Step | Process |
|---|---|
| Step 1 | Save +91-9264092640 in your mobile contacts |
| Step 2 | Open WhatsApp |
| Step 3 | Send Hi, Hello, etc. to the PNB WhatsApp number |
| Alternative | Use PNB’s official WhatsApp link or scan the QR code provided by PNB |
| Security Check | Verify the green tick and Punjab National Bank’s name before chatting |
4. Account Related Services
| Service | Purpose |
|---|---|
| Account Statement | Obtain account statement |
| Account Summary | View account summary |
| Balance Inquiry | Check account balance |
| Last 5 Transactions | View the last five transactions |
| KYC Update | Update KYC |
| Update Email ID | Update registered email ID |
| Register E-Statement | Register for e-statements |
| Account Scheme Change | Request account scheme change |
| Nominee Addition | Add nominee to the account |
5. Emergency and Cheque Services
| Service | Purpose |
|---|---|
| Block UPI | Block UPI services |
| Stop Cheque | Request stop payment of cheque |
| Disable IBS/MBS | Disable Internet Banking/Mobile Banking services |
| Block Debit Card | Block debit card |
| Cheque Status | Check cheque status |
| Positive Pay System | Access Positive Pay System services |
| Request Cheque Book | Request a new cheque book |
6. Loan and Deposit Services
| Service | Purpose |
|---|---|
| Open FD | Open a Fixed Deposit |
| Loan Account Summary | View loan account details |
| Deposit Summary | View deposit details |
| Interest Certificate | Obtain interest certificate |
| PPF Balance | Check PPF balance |
| Sukanya Samriddhi Balance | Check Sukanya Samriddhi account balance |
| Form 131 / Form 16A | Download the form |
| Form 15G | Download Form 15G |
| Form 15H | Download Form 15H |
| Open RD | Open Recurring Deposit |
| Form 121 (erst. 15G/H) | Access Form 121 |
7. Debit Card Services
| Service | Details |
|---|---|
| Apply for Debit Card | Apply for a debit card |
| Reduce Card Limit | Reduce debit card transaction limit |
| Enable Card Channel | Enable card transaction channel |
| Disable Card Channel | Disable card transaction channel |
| Green PIN OTP | Generate/use Green PIN OTP facility |
| Disable/Block Debit Card | Disable or block the debit card |
8. Credit Card Services
| Service | Details |
|---|---|
| Credit Card Summary | View credit card summary |
| Reward Points | Check reward points |
| Last 5 Transactions | View last five credit card transactions |
| Track My Application | Track credit card application |
9. Online Services
| Service | Details |
|---|---|
| Open Account Online | Open a PNB account online |
| Link Aadhaar to Account | Link Aadhaar with account |
| Locker Availability | Check locker availability |
| Loan Eligibility | Check loan eligibility |
10. Demat and Trading Services
| Service | Details |
|---|---|
| Statement of Holding | View holding statement |
| Statement of Transaction | View transaction statement |
| Outstanding Charges | Check outstanding charges |
| Lost DIS | Report lost Delivery Instruction Slip (DIS) |
| Billing Invoice Details | View billing invoice details |
| Billing Statement | View billing statement |
11. Informative Services
| Service | Details |
|---|---|
| Pre-Approved Offers | Check available pre-approved offers |
| Bank Holiday Calendar | View bank holidays |
| Debit Card Offers | Check offers |
| Credit Card Offers | Check offers |
| Bank Forms | Download various forms |
| Demo Videos | Access demonstration videos |
| User Guides | Access user guides |
| NRI Services | Obtain information about NRI services |
| Loan Products | Enquire about loan products |
| Deposit Products | Enquire about deposit products |
| Digital Products | Enquire about insurance, mutual funds and other digital products |
| ATM/Branch Locator | Locate nearest PNB ATM, BNA or branch |
| Social Media | Locate PNB’s social media handles |
12. PNB WhatsApp Banking for Non-PNB Customers
| Particular | Details |
|---|---|
| Can non-PNB customers use it? | Yes |
| Services Available | Information-based services |
| Account Balance | Not available to non-account holders |
| Last 5 Transactions | Not available to non-account holders |
| Account Opening | Non-PNB customers can use account-opening related services |
| Other Information | Offers, nearest ATM/branch, latest interest rates and latest products can be checked |