- PNB-Verify is a device binding solution for Retail Internet Banking users, by which user can authenticate transaction using Mobile Application through App notification instead of using the SMS based OTP, as second factor of authentication. To enroll for PNB Verify navigate as: Personal Settings -> Enroll for PNB Verify
- PIHU (PNB’s Instant Help for yoU) - responds to customer queries (FAQs) related to Retail Internet Banking, Mobile Banking and Debit Card.
- Now you may apply for Sovereign Gold Bond through Retail IBS by using the navigation: Other Services-> Sovereign Gold Bond -> Purchase SGB.
- Now you may link your GSTIN through IBS by using the navigation: Other Services-> Register for Govt. Initiatives-> GSTIN Registration.
- Get your PAN linked with your account through IBS by using the navigation: Other Services-> Register for Govt. Initiatives-> PAN Registration
- To Prevent Fraudulent Payment of Cheques in your Accounts, Please Avail PNB Suraksha Scheme
- Link Demat Account With Your IBS User ID and Get Details Of Holding in the Demat account in the Statement of Transaction
- Please Download latest version of PNB UPI from Play Store to Enjoy Enhanced Features.
What's New
Pnb Bank Interest Rates
Bank Interest Rates For Savings
Sl. | Loan Products | Tenor | Existing Rates (p.a) | Revised Rates (pa) | ||||||
Years | Floating | Semi-Fixed | Fixed | Floating | Semi-Fixed | Fixed | ||||
6 Months | 3 Years-Reset | Entire Tenor | 12 Months | 3 Years Rests | Review after 5 Years | |||||
1 | AGRICULTURE | 5 | 10% | – | 13% | 10% | – | 11% | ||
I | EDP/CGS | 5 | 10% | – | 12% | 10% | 10% | 10% | ||
ii | Working Capital | 1 | – | – | – | 10.50% | – | – | ||
2 | PRODUCTION & MANUFACTURING | 15 | 11.25% | 12% | 13% | |||||
I | Manufacturing Enterprises | 15 | – | – | – | 11% | 11.50% | 12% | ||
Ii | Mining & Quarrying | 15 | – | – | – | 11.25% | 12.00% | 12.50% | ||
Iii | Handicrafts & Textile Production | 15 | – | – | – | 10.50% | 10.75% | 11% | ||
Iv | Wood Based Products | 15 | – | – | – | 10.50% | 10.75% | 11% | ||
V | Others EDP | 5 | 10% | – | 12% | 10% | 10% | 10% | ||
Vi | EPC | 1 | 11% | – | 13% | 11% | – | – | ||
Vii | Working Capital | 1 | – | – | – | 11.25% | – | – | ||
Viii | Others(Transport) | 5 (15) | – | – | – | 11% | 11.50% | 12% | ||
3 | SERVICES | 20 | 11% | 11.50% | 13% | |||||
I | Tourism | 20 | – | – | – | 10% | 10.50% | 11% | ||
Ii | Hotels & Restaurants | 20 | – | – | – | 10.50% | 10.75% | 11% | ||
Iii | ICT | 20 | – | – | – | 10.50% | 10.75% | 11% | ||
Iv | Consultancy Services | 20 | – | – | – | 10% | 10.50% | 11% | ||
V | Hospitality, Entertainment & Recreational Services | 20 | – | – | – | 10.50% | 10.75% | 11.00% | ||
Vi | Institutional/Educational Services | 20 | – | – | – | 11% | 11.50% | 12% | ||
Vii | Health Services & Traditional Medicines | 20 | – | – | – | 11% | 11.50% | 12.% | ||
Viii | Contract (non-construction) | 3 | 12% | – | 14% | 11% | – | – | ||
Ix | Contract (Construction) | 3 | – | – | – | 12% | – | – | ||
X | EDP/CGS | 5 | 10% | – | 12% | 10% | 10% | 10% | ||
Xi | Working Capital | 1 | – | – | – | 11.50% | – | – | ||
Xii | Others | 15 | – | – | – | 11.50% | – | – | ||
4 | TRADE & COMMERCE | 1 | 12.50% | – | 13% | – | – | |||
I | Retail | 1 | – | – | – | 11.50% | – | – | ||
Ii | Wholesale | 1 | – | – | – | 11.50% | – | – | ||
Iii | EPC | 1 | 13% | – | 13% | 11% | – | – | ||
Iv | Overdraft against Immovable Property. | 1 | – | – | – | 11.50% | – | – | ||
V | Others | 1 | – | – | – | 12.50% | – | – | ||
5 | HOUSING | – | – | – | – | – | – | |||
I | Home Loans | 20 | 10.25% | 10.50% | 13% | 9.75% | 10% | 11% | ||
Ii | Commercial Loans | 20 | 10.50% | 11% | 13% | 10% | 10.25% | 11.25% | ||
6 | TRANSPORT | – | – | – | – | – | – | |||
I | Heavy-Commercial | 5 | 11% | – | 13% | 11% | – | – | ||
Ii | Earth Moving Machinery/Equipments-(Commercial) | 5 | – | – | – | 11% | – | – | ||
Iii | Light (Commercial) | 5 | – | – | – | 11% | – | – | ||
Iv | Salary based to GE (Non-Commercial) | 5 | 9.75% | – | 13.00% | 9.75% | – | – | ||
V | Private & Others (Non-Commercial) | 5 | 10.25% | – | 13.00% | 10.25% | – | – | ||
Vi | Working Capital | 1 | – | – | – | 11% | – | – | ||
7 | PERSONAL | – | – | – | ||||||
I | Mortgage loan | 5 | 11% | 12% | 13% | 11% | – | – | ||
Ii | Consumer loan (salary based) | 5 | 9.50% | – | 13% | 9.50% | – | – | ||
Iii | Others | 5 | 14% | – | 15% | 14% | – | – | ||
8 | EDUCATION | 5 | 11.50% | – | 13% | 11.50% | – | – | ||
9 | LOANS TO CORPORATIONS | |||||||||
I | Government Owned/Guaranteed ( > 50%) | 5 | – | – | – | 9% | – | – | ||
Ii | Government Owned/Guaranteed ( = or < 50% to 25%) | 5 | – | – | – | 10% | – | – | ||
10 | LOAN TO FINANCIAL INSTITUTIONS | 3 | – | – | – | |||||
I | Banks | 3 | – | – | – | 9% | – | – | ||
Ii | Non-Banks | 3 | – | – | – | 10% | – | – | ||
Iii | Working Capital (for I &ii) | 1 | – | – | – | 10% | – | – | ||
11 | OTHERS | |||||||||
I | Purchase Shares/Securities | 10 | 11% | 12% | 13% | 11% | 11.50% | 12% | ||
Ii | Against Shares/Securities | 10 | 11% | 12% | 13% | 11% | 11.50% | 12% | ||
Iii | Overdraft | 1 | 11% |