| Particular | Details |
|---|---|
| Mobile Banking App | PNB ONE |
| Purpose | Provides multiple banking facilities on a single platform |
| Availability | 24×7 |
| Branch Visit | Major banking requirements can be performed without visiting the branch |
| Authentication | MPIN, TPIN and OTP |
| Biometric Authentication | Available |
| Face Authentication | Available on iOS |
| Self-Onboarding | Through Debit Card, Aadhaar credentials (View Facility), Internet Banking credentials or Branch mode |
| UPI Authentication | UPI transactions use UPI PIN where applicable |
2. Key Features and Benefits
| Feature | Details |
|---|---|
| Self-Onboarding | Customer can onboard using Debit Card, Aadhaar credentials, Internet Banking credentials or branch mode |
| Fund Transfer | Seamless fund transfer facility |
| UPI | Instant UPI Scan and Pay |
| Bill Payment | Recharges and bill payments |
| Deposits & Investments | Smart deposit and investment solutions |
| Digital Loans | Digital loan application journeys |
| Security | Secure and reliable application |
| mPassbook | Detailed account statement viewing and downloading |
3. Account Services
| Service | Details |
|---|---|
| Accounts Display | Savings, Deposits, Loans, Overdraft, Current Accounts and Credit Cards |
| mPassbook | View and download detailed account statements |
| Balance Inquiry | Check account balances |
| Account Aggregator | View accounts of other banks through Account Aggregator |
| PPF | View PPF account |
| SSA | View Sukanya Samriddhi Account |
| SCSS | View Senior Citizens’ Savings Scheme account |
4. Fund Transfer Services
| Facility | Details |
|---|---|
| Self Transfer | Transfer between customer’s own accounts |
| Within PNB | Transfer to another PNB account |
| Other Bank | Transfer to non-PNB accounts |
| NEFT | Inter-bank fund transfer |
| RTGS | Inter-bank fund transfer |
| IMPS | Immediate inter-bank fund transfer |
| UPI | Fund transfer through UPI |
| Quick Fund Transfer | Within Bank, IMPS-IFSC, IMPS-Mobile Number and IMPS-MMID |
| Indo-Nepal Remittance | Available |
| Beneficiary Management | Add/manage beneficiaries |
| IMPS Status | Check IMPS transaction status |
| LRS | Liberalized Remittance Scheme facility |
| PPF/SSA Transfer | Transfer funds to own and other PPF/SSA accounts |
| Cardless Cash Withdrawal | Cash withdrawal without using physical debit card |
5. UPI Services
| UPI Facility | Details |
|---|---|
| Link Accounts | Link bank accounts |
| Credit Card Linking | Link credit card |
| Balance Inquiry | Check linked bank account and credit card balances |
| Scan & Pay | Make payment by scanning UPI QR |
| Pre-Login Scan & Pay | Scan and pay without MPIN, biometric or Face ID |
| Credit Card VPA | Scan and Pay through Credit Card VPA |
| Mobile/VPA Payment | Pay using mobile number or VPA |
| UPI Lite | Transactions without PIN |
| UPI Mandate | Create/manage UPI mandates |
| UPI Credit Line | Facility available |
| Generate QR | Generate UPI QR code |
| Collect Request | Approve collect-money requests |
6. FD/RD Services
| Facility | Details |
|---|---|
| FD Opening | Open Fixed Deposit |
| RD Opening | Open Recurring Deposit |
| Flexi RD | Open Flexi RD |
| Deposit Calculator | Calculate deposit-related values |
| FD/RD Status | Track FD/RD status |
| Premature Closure | Premature FD/RD closure |
| Modify TD | Modify Term Deposit |
7. My Profile Services
| Service | Details |
|---|---|
| Change MPIN | Change Mobile PIN |
| TPIN | Set/Reset TPIN |
| Biometrics | Enable biometric authentication |
| User ID | Update User ID |
| Account Nickname | Set account nickname |
| KYC | Check/Update KYC status |
| Account Access | Modify account access |
| Limits | Set transaction limits |
| Safety Ring | Security facility |
| Pre-Login Balance | Quick balance view before login |
| Transactions | View current/upcoming transactions |
| E-Statement | Register/De-register |
| Aadhaar | Register Aadhaar |
| PAN | Register PAN |
| IBS | Register for Internet Banking |
| Transaction Enablement | Enable transactions |
| SMS Banking PIN | Set SMS Banking PIN |
| SMS Language | Select preferred SMS language |
| Relationship Manager | View Relationship Manager |
| Deactivation | Deactivate facility/app as applicable |
8. Digital Loan Services
| Digital Loan | Facility |
|---|---|
| Pre-Approved Personal Loan | Available |
| Loan Against FD/RD | Available |
| Digi Car Loan | Available |
| Digi Housing Loan | Available |
| Digital Education Loan | Available |
| Digital Gold Loan | Available |
| Digi MSME Loan | Available |
| Digi Saarthi | Available |
| GST Sahay | Available |
| eGST Express | Available |
| Digital KCC | Available |
| Digital Dairy KCC | Available |
| Krishi Tatkal Rinn | Available |
| KCC Renewal/Review & DP Enhancement | Available |
| Loan Against Mutual Funds | Available |
| Tractor Xpress | Available |
| PM SVANidhi | Available |
| Easy Renewal Journey | Available |
| PM Vishwakarma | Available |
| Digi Surya Ghar | Available |
9. Investment and Application Services
| Service | Details |
|---|---|
| Mutual Funds | Online mutual fund services |
| Insurance | Insurance services |
| ASBA/IPO | IPO application through ASBA |
| SGB | Sovereign Gold Bond |
| PPF | PPF services |
| NPS | National Pension System |
| APY | Atal Pension Yojana |
| PMJJBY | Pradhan Mantri Jeevan Jyoti Bima Yojana |
| PMSBY | Pradhan Mantri Suraksha Bima Yojana |
10. Debit Card Management
| Service | Details |
|---|---|
| New Debit Card | Apply for a new card |
| Cardless Cash Withdrawal | Withdraw cash without physical card |
| Virtual Debit Card | Facility available |
| Card Limits | Modify ATM, POS and E-commerce limits |
| Hotlist Card | Block/hotlist debit card |
| Green PIN | Generate Green PIN |
| Card ON/OFF | Switch card transactions ON/OFF |
| Enable/Disable | Enable or disable debit card transactions |
| NCMC | NCMC recharge facility |
11. Credit Card Management
| Service | Details |
|---|---|
| Link/D-Link Credit Card | Link or de-link credit card |
| Add-on Card | Link add-on credit card |
| Credit Card Bill | Pay PNB credit card bill |
| New Credit Card | Apply for a new card |
| Credit Card Against FD | Apply for credit card against FD |
| PQCC | Pre-qualified Credit Card facility |
| Auto Payment | Register/de-register auto payment |
| Credit Card Limit | Enhance credit card limit |
| E-Statement | Receive statement on email |
| Damaged Card | Request replacement |
| Reward Points | Submit redemption request |
| PIN | New PIN request |
| Hotlist | Hotlist/block credit card |