Punjab National Bank (PNB), a leading public sector bank in India with its headquarters in New Delhi, offers a wide range of personal banking products. However, there might be circumstances where an account holder needs to close their bank account. Here's a detailed guide on the process of closing a PNB account and the associated charges.

PNB Account Closing Charges

The charges for closing a PNB account vary based on the account type and how long it was held. If closed within 14 days of opening, there are no charges. For accounts closed after 14 days but within 12 months:

• Current account closure: Rs. 800
• RD account closure: Rs. 100
• Savings account closure: Rs. 300

There are no charges for accounts closed after 12 months.

How to Close a PNB Account

Online Account Closure

Currently, PNB does not support online account closure. You must visit the branch where the account was opened.

Offline Account Closure

Follow these steps to close your PNB account offline:

1. Visit the Branch: Go to your PNB home branch and get the account closure form.
2. Fill Out the Form: Complete the form with accurate details. For joint accounts, ensure all holders sign.
3. Provide ID and KYC Documents: Take a copy of your ID and necessary KYC documents.
4. Gather Account-Related Items: Collect your passbook, chequebook, and debit card.
5. Withdraw Funds: Withdraw remaining funds and clear any dues.
6. Submit Documents: Submit the completed form and documents to the bank.

Alternatives to Branch Visit

Currently, there's no option to close your PNB account without visiting the branch physically. Neither net banking nor the mobile app provides this functionality.

PNB Current Account Closure Form

To close a current account, obtain the closure form from the branch, fill it out, and return it along with your ATM/debit card, any unused chequebooks, and your passbook. Remember to withdraw or transfer your funds before submission.

Conclusion:
Closing a PNB account requires an in-person visit to the branch, as online methods are presently unavailable. Ensure you're informed about closure charges, as they can change. This guide outlines all crucial steps for smooth account closure.