| S.No. | FEATURES | SAVING ACCOUNT-GENERAL |
|---|---|---|
| 1. | Who can open account | Resident Individuals (either singly or jointly), Associations, Trusts, Hindu Undivided Families (HUFs), Clubs, Societies etc. Institutions specially permitted by RBI. |
| 2. | Minimum average balance (MAB) & charges for not maintaining MAB | Area of Branch Minimum Average Balance Initial Deposit Rural: Rs.500/- Semi- Urban: Rs.1000/- Urban: Rs.2000/- Metropolitan: Rs.2000/- Charges for not maintaining MAB- Nil |
| 3. | Documents required for opening the account | Account Opening Form (AOF) Identity & Address proof as per KYC norms Photo Related documents in case of Associations, HUF, Clubs, Trust, Society etc. Other related documents as per RBI Guidelines |
| 4. | Nomination Facility | Available to eligible persons as per rules |
| 5. | Transactions | Debit entries in a half year should not exceed 40. IBS, ATM, SI debits and debits of charges are not included under limit of 40 per half year. If debit transactions exceed 40, charges will be applicable 3rd party cash payments up to a maximum of Rs.50,000/- per day. Transfer Transactions up to a maximum of Rs.1,00,000/- per day. Third party cannot withdraw any amount through withdrawal slip. There is no limit of Maximum amount through withdrwal slip at the base branch. In case the account holder visits the branch himself, Withdrawal Slip must accompany the Passbook. Inter-sol cash Payments to account holder himself is restricted up to the limit of Rs. 5,00,000/- |
| 6. | Additional facilities | Interest Rates 25 free personalized multicity cheque leaf per year. Free transfer of fund within PNB accounts Free internet banking Transferability of accounts to any P.N.B Branch without changing the account number Deposits are insured by DICGC upto Rs 5.00 lakhs per customer. ATM Cum Debit card(individuals account) Fast remittance of funds through NEFT/RTGS Acceptance of standing instructions Safe Deposit Lockers available online also. Online opening of account facilitated |