Product Details
Bank Name
Punjab National Bank
Account Name
PNB Secured Saving Scheme
Account Type
Savings Account
Interest Rate
Upto 10 lakh-2.70% and above 10 lakh 2.75 %
Free Debit Card
Rupay Platinum Debit Card
Account Opening Fees
0
Annual Maintenance Fees
0
Minimum Account Balance
Quarterly Average Balance: Rural: Rs. 500, Semi-Urban: Rs. 1000, Urban & Metro: Rs. 2000.
Debit Card Charges
Free for the first year.
NEFT Charges
Free if done through net banking/mobile banking.
IMPS Charges
Free if done through net banking/mobile banking.
Fees and Charges
PNB Secured Saving Scheme
Special Features
Users will get a Term Plan with Return of Premium Option (TROP) at a low premium.
Free debit card.
Eligibility Criteria
An individual falling in age group between 18 years to 50 years.
Benefits
Features, Eligibility and Benefits
Pros & Cons
Pros
No charges for NEFT/IMPS transactions.
Free Rupay Platinum debit card.
One chequebook of 25 leaves free in a financial year.
Cons
Low interest rates.
Application Procedure
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Product Review
Account Opening and Procedure
How to open an Account?
Here's how to open a PNB Secured Saving Scheme:
Visit a PNB Branch: Locate the nearest PNB branch to you.
Required Documents:
Proof of Identity: Aadhaar Card, PAN Card, Passport, Voter ID, or Driving License.Proof of Address: Aadhaar Card, Passport, Voter ID, Driving License, or utility bills.
Photographs: Two recent passport-sized photographs.Account Opening Form: Obtain an account opening form from the bank representative. Fill in the form accurately and completely with all the required details.
Submit Documents and Open Account: Submit the completed form and all the required documents to the bank representative. The bank representative will guide you through the account opening process.