Punjab National Bank (PNB), one of India’s leading public sector banks, has announced a new rule for 2025 that brings exclusive advantages for its account holders. Whether you have a savings account, current account, or deposit plan with PNB, these changes are set to enhance your banking experience with more transparency, better digital features, and improved financial benefits.
In this article, we’ll break down the details of PNB’s new rule 2025, explain how it impacts customers, and highlight the exclusive perks you can’t afford to miss.
Why PNB Introduced the New Rule in 2025
The banking sector is evolving rapidly due to digitization, UPI growth, RBI guidelines, and customer demand for convenience. PNB has revised its rules to:
- Ensure better customer satisfaction
- Promote digital banking over traditional banking
- Provide greater financial inclusion for all age groups
- Simplify transaction processes
- Offer reward-based benefits for loyal customers
Key Features of PNB’s New Rule 2025
Here are the most important highlights every account holder should know:
- Zero Minimum Balance Facility for Selected Accounts
- PNB will allow certain savings accounts to maintain a zero minimum balance, especially for students, senior citizens, and Jan Dhan account holders.
- Free Digital Transactions Across Platforms
- NEFT, RTGS, UPI, and IMPS transactions will be free of cost up to a set limit, encouraging cashless banking.
- Higher Interest on Digital Fixed Deposits (e-FDs)
- Customers who open and manage their FDs digitally through PNB’s mobile app or net banking can earn 0.25% higher interest compared to offline deposits.
- Enhanced ATM Withdrawals
- The number of free withdrawals per month has been increased, making it more convenient and cost-effective.
- Cashback & Reward Points
- Customers using PNB debit cards for shopping, bill payments, or online transactions will earn reward points and cashback offers.
- 24×7 Customer Support with AI Assistance
- PNB will launch AI-driven customer support, making query resolution faster and available anytime.
Exclusive Benefits Account Holders Shouldn’t Miss
If you are a PNB customer, here’s what you stand to gain:
- More Savings – Waived charges on transactions and ATM withdrawals
- Better Returns – Extra interest on digital FDs and deposits
- Convenience – No need to worry about maintaining minimum balance in select accounts
- Rewards & Cashbacks – Get points and cashbacks for everyday spending
- Faster Banking – With AI-driven digital support, no more waiting in queues
Benefits at a Glance (Table)
Here’s a quick comparison of PNB’s New Rule 2025 Benefits:
| Feature | Old Rule (Before 2025) | New Rule 2025 (After Update) |
|---|---|---|
| Minimum Balance Requirement | ₹1,000 – ₹3,000 (depending on a/c) | Zero balance for select accounts |
| NEFT/RTGS Charges | ₹2 – ₹50 per transaction | Free (up to certain limits) |
| Interest Rate on FDs | Standard rate | +0.25% on digital FDs |
| ATM Withdrawals | 3-5 free per month | 8-10 free per month |
| Debit Card Offers | Limited | Cashback + reward points |
| Customer Support | Limited to working hours | 24×7 AI + human support |
How This Impacts Different Customers
- Students & Youth: Zero balance accounts + cashback offers encourage digital banking.
- Senior Citizens: Higher FD interest ensures better returns on retirement savings.
- Business Owners: Free NEFT/RTGS helps reduce transaction costs.
- Digital Users: More convenience with mobile banking and AI support.
FAQs on PNB New Rule 2025
Q1. Who will benefit the most from PNB’s new rule 2025?
Students, senior citizens, and digital-savvy users will gain maximum benefits, especially from zero balance accounts and higher FD interest.
Q2. Are NEFT and RTGS completely free under the new rule?
Yes, they are free up to a certain number of transactions each month. Beyond the limit, nominal charges may apply.
Q3. Do I need to open a new account to avail these benefits?
No. Existing account holders will also enjoy most of the benefits automatically.
Q4. How can I open a digital FD with higher interest?
You can log in to PNB Net Banking or Mobile App and open a fixed deposit online to get the extra 0.25% interest.
Q5. Are these rules permanent?
PNB may review and update them annually, but for 2025 these rules will remain applicable.
