Punjab National Bank (PNB) is a prominent public sector bank in India, headquartered in New Delhi. Despite its wide array of personal banking products and services, there may be instances where an account holder wishes to close their bank account.

This guide provides a comprehensive overview of the process to close a PNB bank account, along with the applicable charges.

PNB Account Closing Charges

The charges for closing a Punjab National Bank (PNB) account depend on the type of account and the duration for which it was held.

If the account is closed within 14 days from the opening date, there are no charges.

For accounts closed after 14 days but within 12 months of opening:

Closing a current account will incur a charge of Rs. 800.

Closing an RD account will incur a charge of Rs. 100.

Closing a savings bank account will incur a charge of Rs. 300.

For accounts closed after 12 months, there are no charges.

How to Close a PNB Account

Online Account Closure

Currently, PNB does not offer an online account closure facility. To close your account, you must visit the branch where the account was opened.

Offline Account Closure

To close your PNB savings or current account offline, follow these steps:

Visit the Branch: Go to the home branch of Punjab National Bank and obtain the account closure form from a bank representative.

Fill Out the Form: Accurately complete the form with all required details. If the account is jointly held, ensure the other account holders also sign the form.

Provide ID and KYC Documents: Bring one copy of your ID and KYC documents needed for closing the account.

Gather Account-Related Products: Collect your passbook, chequebook, and debit card.

Withdraw Funds and Settle Dues: Withdraw any remaining funds in your account and settle any outstanding dues.

Submit the Form and Documents: Submit the completed form along with all other necessary documents to the PNB home branch.

How to Close a PNB Account Without Going to the Bank

Currently, PNB does not provide a service to close your account without visiting the branch. You need to visit the branch in person, obtain the account closure form, and submit it along with the required documents.

How to Close a PNB Account Through Net Banking

PNB does not offer an option to close your account through net banking. You must visit the bank in person to complete the process.

How to Close a PNB Account Through the Mobile App

Although PNB has a personalized app for customer convenience, it does not support account closure services. To close your PNB account, you need to visit the bank in person and submit a duly filled account closure form along with the required documents.

PNB Current Account Closure Form

To close a PNB current account, you must obtain the account closure form from the home branch. Fill out the form accurately and submit it along with account-related products such as ATM/debit cards, unused chequebooks, and passbooks. It is advisable to withdraw or transfer the funds to another account before submitting the form.

Conclusion

Closing a PNB bank account requires visiting the bank branch in person, as there are no online or mobile app facilities for this process. Ensure you verify the account closure charges before proceeding, as they may be subject to change. This comprehensive guide provides all the necessary steps and considerations for closing your PNB account smoothly.