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Punjab National BankSavings account

PNB Pradhan Mantri Jan-Dhan Yojana Account

PNB's PMJDY banking proposition built on a Basic Savings Bank Deposit Account, with a specifically documented RuPay PMJDY debit card and scheme-linked overdraft/insurance features.

First-party evidencePublished researchReviewed September 9, 2026Active
Open primary bank source ↗Bank dossierCompare alternatives
Balance / relationshipOperates through a PNB BSBDA rather than a separate minimum-balance savings tier.
Cost / chargesThe underlying PNB BSBDA has zero minimum and initial balance. PNB's current debit-card charge table lists RuPay PMJDY with nil primary issuance and nil annual charge.
Limits / allowancesUnderlying BSBDA transaction rules apply; overdraft eligibility is not automatic and current RuPay insurance/usage rules must be satisfied separately.
Ongoing relationship rulePMJDY is implemented through a BSBDA and PNB explicitly documents the RuPay PMJDY card for the scheme.
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.

4 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 / relationshipOperates through a PNB BSBDA rather than a separate minimum-balance savings tier.
02 · Cost / chargesThe underlying PNB BSBDA has zero minimum and initial balance. PNB's current debit-card charge table lists RuPay PMJDY with nil primary issuance and nil annual charge.
03 · Limits / allowancesUnderlying BSBDA transaction rules apply; overdraft eligibility is not automatic and current RuPay insurance/usage rules must be satisfied separately.
04 · Ongoing relationship rulePMJDY is implemented through a BSBDA and PNB explicitly documents the RuPay PMJDY card for the scheme.
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 / chargesThe underlying PNB BSBDA has zero minimum and initial balance. PNB's current debit-card charge table lists RuPay PMJDY with nil primary issuance and nil annual charge.
Balance / relationshipOperates through a PNB BSBDA rather than a separate minimum-balance savings tier.
Core benefitsRuPay PMJDY Debit Card, digital payments access and scheme-linked accidental-insurance treatment; PNB's FAQ also describes an overdraft facility up to ₹10,000 for eligible accounts after satisfactory operation.
Limits / allowancesUnderlying BSBDA transaction rules apply; overdraft eligibility is not automatic and current RuPay insurance/usage rules must be satisfied separately.
EligibilityPNB's PMJDY FAQ states individuals above age 10 can open the underlying BSBDA; current PMJDY, KYC and bank eligibility rules control.
Ongoing relationship rulePMJDY is implemented through a BSBDA and PNB explicitly documents the RuPay PMJDY card for the scheme.
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

Eligible financial-inclusion customers who want the PMJDY-specific RuPay card proposition and understand that overdraft and insurance benefits have separate conditions.

Verify before relying
  • Do not treat the ₹10,000 overdraft as automatic credit; the bank applies scheme and satisfactory-operation conditions.
  • Insurance cover is subject to the current RuPay/PMJDY rules, usage conditions and account-opening-date treatment.
  • PMJDY and ordinary BSBDA search intent overlap, but the scheme-specific card and overdraft features are distinct enough to preserve a separate decision profile.
Verified product relationships

Links the bank explicitly documents.

This section is narrower than the same-bank map below. Every relationship shown here has its own first-party evidence; products merely sharing a bank are not treated as linked.

Scheme debit card

PNB RuPay PMJDY Debit Card

Punjab National Bank explicitly identifies the RuPay PMJDY card as the government-scheme RuPay Classic card issued to PMJDY/SBBDA account holders.

This exact edge is limited to the PMJDY/SBBDA scheme context. It does not imply that every ordinary PNB savings or BSBDA relationship receives this named variant.Verify relationship at bank ↗
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 ↗03
Additional first-party evidencewww.pnbindia.in
Open source ↗04
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.