Fees & charges
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| Overdraft interest |
In the first year of opening of account, the facility would be available up-to a maximum limit of Rs.5,000/-. Subsequent to the satisfactory conduct of the account, in second year it could be enhanced upto Rs. 10,000/-.
Other terms & conditions of this overdraft facility would be as under:
The overdraft facility would attract at the rate of interest as applicable to Personal Loans to the general public.
The overdraft facility would be available for the students, having completed the age of 18 years.
Contingent day to day needs of those students who are staying away from their parents for the study purposes having got an admission with recognized and reputed educational institutions.
For repayment purposes, a single post dated cheque must be obtained from earning parents/natural guardian/local guardian of student and kept on record.
The overdraft facility must be brought into credit once in 3 months, failing which recovery process be started. The facility would be recalled and the student would not be eligible for this overdraft facility at any branch of our Bank. In any case, this facility should not be allowed to continue when the student is in the final year of study at that educational institution, i.e. account has to be got into credit at least six month before the expiry of the tenure of the study period without any further continuation of overdraft facility. |
| Cash Transaction |
Intersol transactions including cash withdrawal/deposits Free |
| ATM transaction at own bank |
All transactions on PNB’s Networked ATMs are free |
| Cash withdrawal at ATMs in India |
On transactions of other banks’ ATMs, (excluding ATMs coming under MITR Shared ATM Network, NFS ATM Sharing Arrangement, PNB~SBI Bilateral ATM Sharing arrangement ) following charges shall be applicable:
Cash withdrawals Rs.38/-
PNB~SBI Bilateral ATM Sharing arrangement: Rs. 22/- per transaction |
| Cash withdrawal at ATMs in outside India |
Rs. 150/- per transaction |
| Balance inquiry at Other banks |
Rs.8/-
International transactions : Rs. 15/- per transaction
PNB~SBI Bilateral ATM Sharing arrangement: Rs. 10/- per transaction |
| Add-on debit card |
Share the convenience of PNB Debit card with your loved ones .Simply gift them add-on card .
PNB Customers of CBS branches can get two add-on cards alongwith his own Debit card for free.The person you are gifting the card to does not necessarily has to be an account holder with PNB. |
| Issue of DD drawn on base Bank/banks branch by cheque/transfer |
Free of cost |
| Cheque Books |
Free (2 cheque books in a year) |
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