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Punjab National BankSavings account

PNB Basic Savings Bank Deposit Account

Punjab National Bank's statutory zero-balance BSBDA with zero minimum/initial balance, free ATM-cum-debit-card access and a defined monthly withdrawal framework.

First-party evidencePublished researchReviewed September 9, 2026Active
Open primary bank source ↗Bank dossierCompare alternatives
Balance / relationshipNo minimum balance and no initial-balance requirement under the reviewed scheme.
Cost / chargesMinimum balance and initial balance are both ZERO under the reviewed PNB BSBDA document; an ATM-cum-Debit Card is available without charge and up to 20 cheque leaves may be issued free in a year at branch discretion.
Limits / allowancesPNB's reviewed BSBDA document permits a maximum of four withdrawals in a month while stating ATM withdrawals are excluded from that four-withdrawal count; deposits are not capped by number or value under that scheme document.
Ongoing relationship ruleStatutory PNB BSBDA. The bank confirms a free ATM-cum-Debit Card but does not identify one exact card variant for every BSBDA, so no generic card edge is inferred.
Research processPublished by littleden.blog

Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.

2 first-party sources
Last checkedSeptember 9, 2026

Recorded source review date, not a claim that the product changed that day.

Maintenance stateWithin scheduled review window

Target recheck: January 7, 2027.

Critical decision facts

Start with the ongoing account relationship, then price the access layer.

Balance or salary conditions, charges, allowances and downgrade rules can matter more than a promotional benefit.

01 · Balance / relationshipNo minimum balance and no initial-balance requirement under the reviewed scheme.
02 · Cost / chargesMinimum balance and initial balance are both ZERO under the reviewed PNB BSBDA document; an ATM-cum-Debit Card is available without charge and up to 20 cheque leaves may be issued free in a year at branch discretion.
03 · Limits / allowancesPNB's reviewed BSBDA document permits a maximum of four withdrawals in a month while stating ATM withdrawals are excluded from that four-withdrawal count; deposits are not capped by number or value under that scheme document.
04 · Ongoing relationship ruleStatutory PNB BSBDA. The bank confirms a free ATM-cum-Debit Card but does not identify one exact card variant for every BSBDA, so no generic card edge is inferred.
Maintained terms

Fees, balances, benefits, limits and eligibility without a single-score shortcut.

These six fields are the cross-product layer. The specialist section above controls whenever a type-specific field is more precise.

Cost / chargesMinimum balance and initial balance are both ZERO under the reviewed PNB BSBDA document; an ATM-cum-Debit Card is available without charge and up to 20 cheque leaves may be issued free in a year at branch discretion.
Balance / relationshipNo minimum balance and no initial-balance requirement under the reviewed scheme.
Core benefitsATM-cum-Debit Card, unlimited deposits, nomination and a limited free cheque-book allowance under the reviewed PNB BSBDA terms.
Limits / allowancesPNB's reviewed BSBDA document permits a maximum of four withdrawals in a month while stating ATM withdrawals are excluded from that four-withdrawal count; deposits are not capped by number or value under that scheme document.
EligibilityIndividuals singly or jointly, minors age 10 and above, minors under natural/legal guardianship and other eligible customers under current KYC/AML rules.
Ongoing relationship ruleStatutory PNB BSBDA. The bank confirms a free ATM-cum-Debit Card but does not identify one exact card variant for every BSBDA, so no generic card edge is inferred.
Fit & cautions

Who this record appears designed for—and what can break the fit.

Best-fit wording summarizes the published proposition. It is not individualized financial advice or an approval prediction.

Potential fit

Customers who want a full-KYC PNB basic account with no minimum-balance requirement and can work within the bank's BSBDA withdrawal and account-ownership rules.

Verify before relying
  • PNB's BSBDA withdrawal-count wording differs from several other banks, so do not transfer another bank's four-withdrawal interpretation to this account.
  • A BSBDA holder is subject to current restrictions on holding other savings accounts with the same bank.
  • Cheque-book issuance beyond the stated free allowance and other optional services can attract normal charges.
Maintained comparisons

Compare this product only where the pair is deliberately maintained.

Both sides keep independent review dates, exact conditions and first-party evidence. No winner score is generated.

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First-party source ledger

Complete evidence set for this maintained profile.

Each source remains independent. A product page, tariff, KFS/MITC, rate schedule or programme document is not silently treated as interchangeable evidence.

01
Primary product / service sourcewww.pnbindia.in
Open source ↗02
Additional first-party evidencewww.pnbindia.in
Open source ↗
Current-use rule

When the bank changes a term after the recorded review, the current agreement, tariff, KFS/MITC or effective rate table controls.

Research boundary

This page organizes dated public evidence; it does not guarantee eligibility, availability, approval, service quality or future pricing.