Here are the key points of the Punjab National Bank (PNB) Annexure II: To be Filled in Case of Minor, summarized directly from the provided form (PNB 1249 A… pp. 1-2):

• Bilingual Format: The annexure is structured as a standard single-page document available in both Hindi and English (PNB 1249 A… pp. 1-2).
• Dedicated Use Case: This form is strictly required when opening or updating a bank account where the primary account holder is a minor (under 18 years of age) (PNB 1249 A… pp. 1-2).
• Action Types: It allows for either the Addition of a Related Person or the Deletion of a Related Person linked to the minor’s account (PNB 1249 A… pp. 1-2).

• Core Identifiers: Requires the entry of the minor’s Customer ID, Account Number, Name, CKYC Number, and the Name of the Guardian (PNB 1249 A… pp. 1-2).
• Mandatory CIF Linkage: The form requests the specific Customer ID of the Guardian, Assignee, or Authorized Representative (PNB 1249 A… pp. 1-2).
• New Customer Rule: If the guardian does not possess an existing Customer ID with PNB, they must invariably submit a full CIF Part-1 Form to complete their own KYC profile (PNB 1249 A… pp. 1-2).

• Guardian Status Classification: The signing adult must specify their legal relationship type by checking one of the following boxes (PNB 1249 A… pp. 1-2):
  • Guardian of Minor (PNB 1249 A… pp. 1-2)
  • Assignee (PNB 1249 A… pp. 1-2)
  • Authorized Representative (PNB 1249 A… pp. 1-2)
• Types of Guardianship: The form requires an explicit declaration stating whether the adult is a natural and lawful guardian, or a guardian appointed by a court order (PNB 1249 A… pp. 1-2).
• Court Order Mandate: If the guardian is court-appointed, they must write down the exact date of the order and attach a certified copy of the legal court document (PNB 1249 A… pp. 1-2).

• Full Representation: The guardian formally undertakes to represent the minor in all future banking transactions of any description until the minor legally attains majority (turns 18) (PNB 1249 A… pp. 1-2).
• Strict Bank Indemnity: The guardian signs a legal declaration promising to indemnify the bank against any future legal claims or disputes raised by the minor regarding any withdrawals or transactions executed by the guardian on the account (PNB 1249 A… pp. 1-2).

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

PNB Bank Account opening form for Non Individuals from Download

PNB Bank FATCA/CRS SELF CERTIFICATION / DECLARATION FOR INDIVIDUALS from Download

 

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Here are the key points of the Punjab National Bank (PNB) Annexure I: FATCA/CRS Self Certification / Declaration for Individuals, summarized directly from the document (PNB 1249 A… pp. 1-2):

• Bilingual Format: The document is a standard individual compliance declaration sheet provided in both Hindi and English (PNB 1249 A… pp. 1-2).
• Regulatory Intent: It serves to identify individual account holders who have tax residencies outside of India under global FATCA (Foreign Account Tax Compliance Act) and CRS (Common Reporting Standard) frameworks (PNB 1249 A… p. 2).

• Mandatory Identification: Requires basic identifiers including Customer ID, CKYC Number, Account Number, Full Name, Citizenship, and Address (PNB 1249 A… pp. 1-2).
• Birth Specifics: Explicitly mandates entering the Place/City of Birth and Country of Birth (PNB 1249 A… p. 2).
• Foreign Address Tracking: If an individual is a tax resident outside of India, they must provide their exact residential or business address in that foreign jurisdiction (PNB 1249 A… pp. 1-2).
• Tax Identification Number (TIN): You must state all countries where you pay taxes along with your official TIN or a functional equivalent issued by that country’s government (PNB 1249 A… pp. 1-2).

The form highlights precise criteria to determine if an applicant qualifies as a US Person for global taxation purposes (PNB 1249 A… pp. 1-2):

• US Citizens: Includes individuals born in the United States, even if they currently reside in another country, provided they haven’t legally renounced their US citizenship (PNB 1249 A… pp. 1-2).
• Green Card Holders: Includes any individual currently residing in the United States or holding a US Green Card (PNB 1249 A… pp. 1-2).
• Substantial Presence Test: Applies to individuals who spend more than 180 days inside the United States during each year (PNB 1249 A… pp. 1-2).

• 30-Day Update Rule: The applicant formally agrees to submit a completely fresh declaration form within 30 days if any information or tax certification changes or becomes inaccurate (PNB 1249 A… pp. 1-2).
• Regulatory Sharing: Signatories acknowledge and agree that PNB will share their reportable tax details with the Central Board of Direct Taxes (CBDT) or other national regulatory bodies (PNB 1249 A… pp. 1-2).
• Account Action Warning: Non-compliance or failure to provide accurate tax details can give the bank the legal authority to close or suspend the account (PNB 1249 A… pp. 1-2).
• No Tax Advice Disclaimer: PNB explicitly states it cannot provide tax advice regarding FATCA/CRS impacts; customers are directed to consult an independent professional tax adviser for tax queries (PNB 1249 A… pp. 1-2).

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

PNB Bank Account opening form for Non Individuals from Download

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Here are the key points of the Punjab National Bank (PNB) Common CIF cum Account Opening Form for Non-Individuals (businesses, trusts, partnerships, societies, etc.), summarized directly from the provided document:

• Bilingual Kit: The document is a standard corporate banking kit available in both Hindi and English (PNB-1251R3… pp. 1-2).
• Filling Restrictions: Must be clearly filled in legible BLOCK letters (PNB-1251R3… pp. 1-2). Signatures must be executed in black ink (PNB-1251R3… p. 1).
• Mandatory Annexures: Non-individual accounts must fill out mandatory declaration annexures for tax transparency (FATCA/CRS) and beneficial ownership (PNB-1251R3… pp. 1-2).

• Entity Architecture: Valid for various entity structures including Sole Proprietorship, Partnership Firms, HUF, Private/Public Limited Companies, Societies, Trusts, and NGOs (PNB-1251R3… pp. 11-12).
• Registration Details: Requires registration identifiers such as PAN (mandatory for companies/partnerships), Form 60 (for others if PAN is absent), CIN (for companies), and GSTN (PNB-1251R3… pp. 1-2).
• Core Documentation: Depending on the structure, the entity must submit standard incorporation papers like a Certificate of Incorporation, Partnership Deed, Trust Deed, or Memorandum and Articles of Association (MoA/AoA) (PNB-1251R3… pp. 1-2, 17-18).

• Beneficial Owner (BO) Thresholds: Natural persons with ultimate controlling stakes must be declared based on specific ownership percentages (PNB-1251R3… pp. 19-20):
  • Companies & Partnerships: Individual stake exceeding 10% (PNB-1251R3… pp. 19-20).
  • Unincorporated Associations/Societies: Individual stake exceeding 15% (PNB-1251R3… pp. 19-20).
  • Trusts: Individual interest equal to or exceeding 10% (PNB-1251R3… pp. 19-20).
• Related Persons Data: Personal details, photographs, and independent KYC updates are required for all Directors, Promoters, Kartas, Trustees, Partners, and Authorized Signatories via Annexure-II (PNB-1251R3… pp. 1-2, 23-24).

• RBI Credit Exposure Restrictions: PNB strictly regulates current accounts based on total banking credit limits to prevent divergence of funds (PNB-1251R3… pp. 31-32):
  • Under ₹5 Crore Exposure: Entities can open current accounts but must submit an explicit undertaking to notify PNB instantly if their total banking system credit reaches or surpasses ₹5 Crore (PNB-1251R3… pp. 31-32).
  • ₹5 Crore to ₹50 Crore Exposure: Current accounts can be opened by lending banks. Non-lending banks can only maintain Collection Accounts, where debits are capped exclusively for remitting funds to the lending bank (PNB-1251R3… pp. 31-32).
  • ₹50 Crore or More Exposure: A mandatory Escrow Mechanism is triggered. Only the specific escrow-managing bank is authorized to open and maintain the active operational Current Account (PNB-1251R3… pp. 31-32).

• Cryptocurrency Restrictions: The authorized signatories must explicitly declare that the entity will not transact in or facilitate operations involving Virtual/Cryptocurrencies through this account (PNB-1251R3… pp. 7-8).
• Multi-Level Marketing (MLM): Businesses must explicitly sign a declaration affirming whether they are an MLM or Direct Selling entity and guarantee complete compliance with the Direct Selling Guidelines, 2016 (PNB-1251R3… pp. 3-4).
• Global Tax Compliance (Annexure-VI): Mandatory residency check for tax purposes. If the entity or its beneficial owners hold tax residencies outside India (including US Persons), complete FATCA & CRS boxes with valid Tax Identification Numbers (TIN) must be submitted (PNB-1251R3… pp. 5-6, 33-34).

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

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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).

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