उत्पाद विवरण
बैंक का नाम
Punjab and Sindh Bank
खाता नाम
PSB-Premier Savings Bank Accounts
खाते का प्रकार
Savings
ब्याज दर
Upto 1 Crore: 2.70%, Above 1 Crore to upto 50 Crore:2.90%.
निःशुल्क डेबिट कार्ड
Yes.
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खाता खोलने का शुल्क
INR 0
वार्षिक रखरखाव शुल्क
INR 0
Minimum Account Balance
Quarterly Average Minimum Balance to be maintained in case of rural branches is INR 50,000. In case of semi urban branches it is INR 75,000 and in case of urban and metro branches it is INR 2 Lakhs.
डेबिट कार्ड शुल्क
Nil.
एनईएफटी शुल्क
Free if done online.
आईएमपीएस शुल्क
Upto Rs. 25000 - Nil (Branch Mode) - Nil (Online Mode)
Over Rs.25000 - Rs.50000 - Rs.7 per Txn.(Branch Mode) Rs.5 per Txn. (Online Mode)
Over Rs.50000/- upto Rs.1 lac - Rs.12 per Txn (Branch Mode)- Rs.10 per Txn. (Online Mode)
Over Rs.1 Lac upto Rs.2 Lac - Rs.20 per Txn. (Branch Mode) - Rs.15 per Txn. (Online Mode)
फीस और शुल्क
PSB-Premier Savings Bank Accounts
विशेष लक्षण
Lifetime free debit card.
Waiver of locker rent of small locker for one year.
पात्रता मापदंड
The account holder must be an Indian resident.
The quarterly average minimum balance to be maintained in the case of rural branches is INR 50,000. In the case of semi-urban branches, it is INR 75,000 and in the case of urban and metro branches, it is INR 2 Lakhs.
फ़ायदे
विशेषताएं, पात्रता और लाभ
पक्ष विपक्ष
पेशेवरों
Free lifetime free debit card.
Waiver of fee for locker rent of small locker for one year.
Free 100 leaves per month in personalized or non personalized cheque book.
दोष
Very low interest rate.
Minimal value add features.
PSB-Premier Savings Bank Account Review
The bank account comes with a low interest rate. Value add features are minimal.

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?
How to Open the Account:
Visit a Punjab & Sind Bank branch: Locate the nearest branch that suits your convenience.
Collect the application form: Ask for the PSB-Premier Savings Account opening form.
Fill out the form: Provide accurate details and ensure all sections are completed.
Attach documents: Submit self-attested copies of your KYC documents.
Initial deposit: Make the initial deposit as per the minimum balance requirement for your branch location.
Verification: Bank officials will verify your documents and process your application.