If you want to open a new Zero Balance Bank Account in Punjab National Bank quickly and easily, this complete guide will help you. With the PNB ONE App, you can open your account online within minutes, enable UPI services, request a Debit Card, get a Cheque Book, and access multiple banking facilities without visiting the branch.
Download the PNB ONE App
First, open the Google Play Store and search for PNB ONE. Install the official application and allow the required permissions. After installation, click on the Proceed option.
Select Your Mobile SIM
The app will ask you to select the mobile number linked to your bank account. If you have multiple SIM cards in your phone, choose the number you want to register with your account.
Important points:
- The selected mobile number should remain active.
- Your SIM card must have an active recharge plan because SMS verification is required.
- Accept the Terms and Conditions and continue.
Choose “Open Instant Bank Account”
After verification, the dashboard will appear. Click on Open Instant Bank Account and accept the consent options to continue.
Enter Personal Details
You must fill in the following details carefully:
- Full Name (as per PAN Card)
- Mobile Number
- Captcha Code
Click on Send OTP, enter the verification code received on your mobile, and proceed further.
Complete Aadhaar Verification Punjab National Bank
Select the Aadhaar Verification option and enter your 12-digit Aadhaar Number. Accept the declaration and click on Send OTP.
The OTP will be sent to the mobile number linked with your Aadhaar card. Enter the OTP to fetch your Aadhaar details automatically.
PAN Card Verification
Now enter your PAN Card Number in Punjab National Bank. Your name and date of birth will already appear automatically. Click on Validate to complete PAN verification successfully.
If your CKYC Details are already available from previous banking or financial services, they will automatically appear. Otherwise, new KYC details will be created during this process.
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Fill Additional Information Punjab National Bank
You will now enter additional details such as:
- Gender
- Marital Status
- Mother’s Name
- Category (SC/ST/OBC/General)
- Qualification
- Occupation
- Annual Income
- City of Birth
- Professional Activity
Select the options according to your profile.
Enter Employment Details Punjab National Bank
If you are employed or running a business, you may need to provide:
- Company Name
- Designation
- Employer Address
Students or unemployed users may see fewer fields during this process.
Add a Nominee in Punjab National Bank
Adding a nominee is highly recommended for your savings account. You need to provide:
- Nominee Name
- Relationship with Nominee
- Mobile Number
- Date of Birth
- Address
If the nominee’s address is the same as yours, simply select the “Yes” option.
Select PNB Account Scheme and Branch
Now choose the account type and branch where you want your account to be linked.
A popular option is the PNB Unnati Savings Fund Account.
Minimum Balance Requirement
The minimum average balance depends on your location category:
- Rural Area – ₹500
- Semi-Urban Area – ₹1000
- Metro City – ₹2000
Choose your nearest branch by entering either:
- Branch Name
- Branch IFSC Code
Review and Submit the Application
You will now see a summary page containing all the information you entered. Verify all details carefully and accept the declaration.
After submission, the app will allow you to download your application form for future reference.
Complete Video KYC Punjab National Bank
To activate your account fully without visiting the bank, complete the Video KYC process in Punjab National Bank.
Requirements for Video KYC
Keep the following ready:
- Original PAN Card
- Stable Internet Connection
- Working Front Camera
- Clear Signature Matching Your PAN Card
A bank representative will connect with you through a video call and ask basic questions such as:
- Your Name
- Occupation
- Purpose of Opening the Account
- Address Verification
You may also need to show your PAN Card and provide your signature during verification.
Debit Card and Cheque Book Delivery
Once your account is approved:
- Your Debit Card will be delivered to your registered address within 10 to 15 days.
- You can request a Cheque Book directly from the app.
Login to Your New PNB Account
After account activation, log in using Aadhaar authentication and create a secure PIN.
Using the app, you can:
- Check Account Balance
- Transfer Money
- Use UPI Services
- View Account Details
- Request a Cheque Book
- Manage Banking Services Online
How to Get a Passbook Punjab National Bank
Although your account becomes fully active online, you may still need to visit your home branch if you want a physical passbook.
Carry the following documents:
- Printed Account Opening Form
- Recent Passport Size Photo
- Aadhaar Card Photocopy
Submit these documents at your branch to receive your passbook.
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Final Words
Opening a PNB Zero Balance Account Online is now simple, fast, and completely digital. With the help of the PNB ONE App, you can complete registration, Aadhaar verification, PAN verification, Video KYC, and account activation without visiting the bank branch.
This online banking process saves time and provides instant access to important banking services like UPI, Debit Card, Cheque Book, and Mobile Banking.
