PNB Bank Account opening form for Resident Individual

PNB Bank Account opening form for Resident Individual (Updated upto 19.02.2026) from Download

Here are the key points of the Punjab National Bank (PNB) Account Opening Form for Resident Individuals, summarized directly from the document:

Bilingual Form: The document is a comprehensive account opening kit provided in both Hindi and English (pp. 1-2).
Two Main Sections: It is divided into Part-I (Customer Information Sheet / CIF Creation) (p. 4) and Part-II (Account Details and Facilities) (p. 8).
Filling Instructions: Must be filled in BLOCK letters using black ink for signatures (p. 2).

Mandatory Fields: Marked with an asterisk (*), including Name, Date of Birth, Gender, Marital Status, and Nationality (p. 4).
Identity & Address Verification: Requires one Officially Valid Document (OVD) such as a Passport, Voter ID, Driving License, NREGA Job Card, or Aadhaar Card (p. 4).
Current Address Rule: If your current address differs from your OVD, you must submit temporary proof (like utility bills) and provide an updated OVD within 3 months (p. 6).
Contact Details: Mobile number and Email ID are mandatory. A single mobile/email can be linked to a maximum of 5 individual customer IDs with valid reasons (p. 4).
Income & Tax Declaration: Requires a PAN Card (or Form 60 if PAN is unavailable) and details regarding your occupation type, industry, and annual income (p. 6).

Account Types: Valid for opening a Savings Bank Account, BSBDA (Basic Savings Bank Deposit Account), Small Account, or Current Account (p. 8).
Banking Services: Applicants can opt-in for an ATM-cum-Debit Card, Cheque Book, Internet Banking, Mobile Banking, Phone Banking, SMS Alerts, and monthly e-statements (p. 8).
Nomination Facility: Encouraged under section 45-ZA of the Banking Regulation Act (p. 8). If a nominee is a minor, a guardian must be appointed to receive funds in case of emergency (p. 8).
Joint Accounts: Supports multiple operational modes including Self, Either or Survivor, Former or Survivor, Anyone or Survivor, or Jointly Operated (p. 12). It requires a separate photo and signature block for up to 3 applicants (p. 12).

Single Savings Account Restriction: Basic Savings Bank Deposit Account (BSBDA) holders cannot maintain any other savings account with PNB and must close existing ones within 30 days (p. 10).
Account Freezing Risks: The bank reserves the right to freeze or restrict the account if standard KYC updates are neglected, or if a savings account is used for commercial or suspicious purposes (p. 10).
Failed Instructions: If standing instructions for loan payments, cheques, or NACH bounce 04 times in a financial year due to insufficient funds, no fresh cheque book will be issued and the account may be closed (p. 10).
Virtual Currency Ban: Applicants must explicitly undertake that they will not use the account for any transactions or services related to virtual/cryptocurrencies (p. 10).

for more refer PNB Bank website click here

for more refer YouTube Subscribe website click here