उत्पाद विवरण
बैंक का नाम
Punjab National Bank
खाता नाम
PNB Salary Account (Titanium)
खाते का प्रकार
Salary account
ब्याज दर
Upto 10 lakh-2.70% and above 10 lakh 2.75%.
निःशुल्क डेबिट कार्ड
RuPay Select Debit Card
खाता खोलने का शुल्क
0
वार्षिक रखरखाव शुल्क
0
Minimum Account Balance
Gross Salary per Month: Rs. 200001 & above
डेबिट कार्ड शुल्क
Lifetime free
एनईएफटी शुल्क
Free if done through net banking/mobile banking.
आईएमपीएस शुल्क
Free if done through net banking/mobile banking.
फीस और शुल्क
PNB Salary Account (Titanium)
विशेष लक्षण
An optional sweep facility is also available.
One chequebook with unlimited leaves will be provided free in a financial year.
No charges on the demat account.
100% discount on documentation & processing charges on housing, car & personal loan.
100% discount on locker rent for the first year.
Users can get a lifetime free RuPay Select credit card.
पात्रता मापदंड
Employees of central/state Govt./PSU/ Govt.-semi Govt. Corporation/MNCs/ Corporate/ Educational Institutions/ Any other Institutions (regular as well as contractual employee)
फ़ायदे
विशेषताएं, पात्रता और लाभ
पक्ष विपक्ष
पेशेवरों
No minimum quarterly average balance is required.
Optional sweep facility is also available.
Personal Accidental Insurance (PAI) cover of Rs. 50 lakh.
One chequebook with unlimited leaves, free in a financial year.
No charges on the demat account fee.
100% discount on documentation & processing charges on housing, car & personal loan.
100% discount on locker rent for the first year.
दोष
Low interest rates.
PNB Salary Account (Titanium)
The account offers quite low interest rate. However, the account comes loaded with a number of value add features.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
उत्पाद समीक्षा
खाता खोलने की प्रक्रिया और प्रक्रिया
How to open an Account?
Opening a PNB Salary Account
Typically, opening a PNB Salary Account is initiated by your employer. Here's a general overview:
1. Employer's Role:
Agreement with PNB: Your employer will need to establish an agreement with Punjab National Bank (PNB) for salary disbursement.
Employee Information: PNB will require your employer to provide necessary employee details, including names, contact information, and employment details.
2. Employee's Role:
Minimal Involvement: Once the agreement is in place, employees usually have minimal involvement in the account opening process.
Salary Disbursement: Your salary will be directly credited to your designated PNB Salary Account.
Access to Banking Services: You'll gain access to various banking services, including ATM withdrawals, online banking, and mobile banking.