PNB Net Banking: Simplify Finance Management Online

PNB Net Banking: Simplify Finance Management Online

Jan 17, 2024

18 Mins

Introduction

In the fast-paced digital era, we find ourselves in today, the convenience of managing our financial affairs has never been more critical. Punjab National Bank (PNB), a prominent player in India's banking sector, understands this need well and has seamlessly adapted to the evolving financial landscape. Among its array of customer-centric services, PNB offers an invaluable gem – Net Banking. This article serves as your comprehensive guide to Punjab National Bank's Net Banking services, exploring its features, registration procedures, login steps, fund transfer options, transaction limits, and password reset processes.

Why Net Banking Matters

The advent of the internet has revolutionized the way we live, work, and interact with the world, including how we manage our finances. Gone are the days of long queues at bank branches, as online banking provides an accessible and efficient alternative. Punjab National Bank recognizes the significance of this transformation and has introduced its Net Banking platform, empowering customers to oversee their financial transactions from the comfort of their homes or workplaces.

Unlocking a World of Features

PNB Net Banking is a versatile tool that offers a myriad of financial and non-financial features to cater to a wide spectrum of banking needs. From transferring funds seamlessly to managing fixed deposits, paying utility bills, and even handling tax payments – PNB's Net Banking is a one-stop solution.

Beyond Financial Services

What sets PNB's Net Banking apart is its value-added services. Customers can register for mobile banking, obtain e-certificates, enroll in government schemes, and even handle income tax filings, all through the same user-friendly platform. With PNB Net Banking, you can efficiently manage not only your financial transactions but also various administrative tasks related to your accounts.

Making Banking Accessible to All

Whether you're a retail customer or a corporate entity, PNB Net Banking caters to your specific needs. Retail users can easily register online, while corporate clients can seamlessly integrate their operations with the bank's services. This inclusive approach ensures that PNB's digital banking solutions are accessible to all, irrespective of their requirements.

Transaction Security and Flexibility

Security is paramount in the world of online banking, and PNB ensures the safety of every transaction with robust security measures. Users can customize their profiles, set transaction limits, and choose from a range of security options to safeguard their accounts effectively.

In this article, we delve deep into the world of Punjab National Bank's Net Banking, providing step-by-step guidance on registration, login procedures, fund transfers, transaction limits, and password resets.

Whether you're new to online banking or an experienced user, this guide will help you make the most of PNB's digital banking services. Discover the convenience of managing your finances at your fingertips with PNB Net Banking.

Punjab National Bank (PNB) is one of India's leading public sector banks, offering a wide array of banking services to its customers. In today's digital age, PNB understands the importance of providing convenient and accessible banking solutions.

That's why they offer Net Banking services, allowing customers to access their accounts and manage financial transactions from the comfort of their homes or workplaces, at a time that suits them best.

In this article, we'll explore the features, registration process, login steps, fund transfer options, transaction limits, and password reset procedures for PNB Net Banking.

Features of PNB Net Banking Services

PNB Net Banking is a versatile platform that empowers customers with numerous financial and non-financial services. Let's take a closer look at its key features:

Financial Services:

  • Fund Transfers: PNB Net Banking allows you to transfer funds within PNB accounts and with third-party accounts.

  • Online Fixed Deposit and Recurring Deposit: You can open and manage FD/RD accounts online.

  • Inter-Bank Fund Transfer: This service is available 24x7, even on holidays and weekends.

  • IMPS, NEFT & RTGS: You can transfer funds using various payment portals.

  • FD Account Management: Close, modify, or renew Fixed Deposit accounts online.

  • Government and Business Transactions: Transfer funds to government accounts, business accounts, PPF, and SSA accounts.

  • PPF Account Creation: Create your PPF account online without visiting a bank branch.

  • Demat Account Linking: Link your Demat account and view its details.

  • Utility Bill Payments: Pay utility bills and credit card bills conveniently.

  • Online Tax Payments: Pay direct and indirect taxes online using the PNB Net Banking portal.

Non-Financial Services:

  • Account Information: View account details, statements, transaction history, nomination details, and AQB/AMB.

  • Cheque Services: Manage check-related services like stop payments, inquiries, new check requests, and PNB Suraksha Cheque authentication.

  • Offline Services: Request changes to credit card limits, redeem reward points, renew FDs, register for email statements, and apply for PNB products online.

  • Debit Card Services: Customize debit card settings, activate/deactivate cards, reset or set card PINs, and hot-list lost or stolen debit cards.

Value-Added Services of PNB Net Banking

PNB Net Banking goes beyond traditional banking services with its value-added features:

  • Debit Card Registration and Reset: Register and reset debit card passwords online.

  • Scheduled Transactions: Plan and schedule future transactions.

  • Account-wise TDS Details: Access TDS information for your accounts.

  • Mobile Banking Registration and Reset: Register for mobile banking and reset passwords.

  • E-interest Certificates: Obtain e-certificates for education, deposit, and housing loan accounts.

  • Government Schemes: Register for PMSBY, PMJJBY, and APY.

  • Aadhaar, PAN, and GSTIN: Conveniently link your Aadhaar, PAN, and GSTIN.

  • Income Tax Services: Use the portal for E-Filing of Income Tax and generation of Form 26AS.

  • SMS History: View the last 10 SMS sent to your registered mobile number.

  • User ID Customization: Customize your dashboard for an overall view of your accounts.

  • PNB Verify Enrollment/Unenrollment: Manage PNB Verify settings.

How to Register for Punjab National Bank Net Banking Online

For Retail Users, here are the step-by-step instructions to register for PNB's Net Banking facility:

  • Visit the PNB Net Banking portal for Retail Users.

  • Click on the 'Internet Banking Login' option and select 'New User?'

  • Provide your account number and choose the Registration Type.

  • Select 'Register for Internet banking.'

  • Click 'Verify' and enter the OTP sent to your registered mobile number.

  • Enter your debit card number and ATM pin, then click 'Continue.'

  • Set Login and Transaction passwords (ensure they are different) and agree to the terms and conditions.

  • Complete the registration, and you will receive a User ID for immediate login (full access may take 24 to 48 hours).

Registration Process for Corporate Users:

Corporate users need to visit a PNB branch, download the PNB–1063 form from the bank's website, and submit it at the branch. After submission, you will receive a Corporate ID, Administrator ID, and password. The Corporate ID is shared between the Admin User and other users, identifying the corporate entity.

Logging into PNB Net Banking

For Retail Users:

  • Visit the Net Banking portal for Retail Users.

  • Enter your User ID and Login password.

  • Accept the terms and conditions.

  • Enter the OTP received on your registered mobile number.

  • Set up seven security questions and phrases with images to log in.

For Corporate Users:

  • Access the PNB Net Banking portal for corporate users.

  • Corporate admin requires Corporate ID, Admin User ID, and password.

  • Users need to use their User ID and Login password for access.

  • For the first-time login, users should enter the OTP sent to the admin's registered mobile number.

  • Set up seven security questions, phrases, and images.

How to Transfer Money on the PNB Net Banking Portal

To carry out money transfers using PNB Net Banking, you should add the beneficiary first. Then follow these steps:

Money Transfer to Your Account (Retail & Corporate Users):

  • Log in to the PNB Net Banking portal.

  • Click on 'Transactions' and select 'Own Accounts.'

  • Choose the account from which you're transferring funds.

  • Enter the amount and click 'Continue.'

  • Enter the transaction password and click 'Submit' to complete the payment.

Money Transfer to Another PNB Account (Retail & Corporate Users):

  • Log in to the PNB Net Banking portal.

  • Click on 'Transactions' and select 'Within PNB.'

  • Choose the account to which you want to transfer money. If the beneficiary is not added, you can add them.

  • Enter the amount.

  • The transaction date is set to the current date by default, but you can change it for future payments.

  • Click 'Continue.'

  • Enter the transaction password and click 'Submit' to complete the transaction.

Transaction Limits on PNB Internet Banking

For IMPS transfers, PNB account holders can transfer up to Rs. 50,000, with a charge of Rs. 5 + GST per transfer. Under NEFT, the maximum transfer amount is Rs. 10,000, with transaction fees ranging from Rs. 2.00 plus GST for smaller transfers to Rs. 20.00 plus GST for larger transactions. For RTGS, the transaction fee varies depending on the amount, with a maximum fee of Rs. 40.00 plus GST.

Please note that the transaction fees mentioned for NEFT/RTGS/IMPS apply only to transactions conducted at the bank branch, and there are no charges for transactions carried out through other Internet banking or mobile banking methods.

Steps to Reset PNB Net Banking Password

If you need to reset your PNB Net Banking password, follow these steps:

  • Visit the login page of the PNB Net Banking facility.

  • Enter your User ID and click 'Continue.'

  • Click 'Forgot Password?' and provide your User ID.

  • Enter the OTP sent to your registered mobile number and click 'Continue.'

  • Provide your debit card details, linked account number, and ATM Pin, then click 'Continue.'

  • On this page, reset your password (log in or transaction or both) by entering it twice.

  • Click 'Continue' to complete the process.

You will receive a success message on the screen, and you can access various banking facilities with your new password.

In conclusion, Punjab National Bank's Net Banking services offer a comprehensive and user-friendly way to manage your finances online. Whether you're looking to transfer funds, pay bills, or access a wide range of value-added services, PNB Net Banking has you covered. Register today and experience the convenience of online banking with Punjab National Bank.

Conclusion

In a world that never stops moving, where time is precious, and convenience is king, Punjab National Bank (PNB) has emerged as a financial institution that truly understands the needs of its customers.

Through its Net Banking services, PNB has bridged the gap between traditional banking and the digital age, offering a comprehensive suite of tools and features that empower individuals and businesses alike to manage their financial affairs with ease.

As we conclude our exploration of PNB's Net Banking services, it becomes evident that this platform is not just a convenience but a necessity in today's fast-paced world.

PNB has successfully adapted to the digital transformation, ensuring that its customers can access their accounts, transfer funds, pay bills, and conduct various banking transactions from the comfort of their homes or offices, at any time that suits them.

The journey through the features of PNB Net Banking reveals a treasure trove of financial and non-financial services. From transferring funds seamlessly within PNB accounts and with third parties to managing fixed deposits, paying utility bills, and even handling tax payments – PNB has truly embraced the concept of one-stop banking.

These services not only save valuable time but also offer the convenience of managing multiple financial tasks through a single, user-friendly portal.

One distinguishing aspect of PNB's Net Banking is its commitment to providing value-added services. Customers can register for mobile banking, obtain e-certificates, enroll in government schemes, and even complete income tax filings, all within the same platform.

This versatility ensures that PNB's digital banking services cater to a broad spectrum of financial and administrative needs.

Moreover, PNB Net Banking doesn't discriminate; it welcomes both retail and corporate clients with open arms. The platform's accessibility ensures that individuals and businesses, regardless of their specific requirements, can benefit from the convenience of online banking.

Whether you're a retail customer looking to manage personal finances or a corporate entity seeking efficient financial integration, PNB has you covered.

Security, an ever-present concern in the digital age, is a top priority for PNB. The bank has implemented robust security measures, allowing users to customize their profiles, set transaction limits, and choose from a range of security options. This ensures that every financial transaction conducted through PNB Net Banking is protected and secure.

In conclusion, Punjab National Bank's Net Banking services represent a significant leap forward in the world of digital banking. By providing an accessible, secure, and feature-rich platform, PNB has made it possible for individuals and businesses to embrace the future of banking today.

Whether you're new to online banking or a seasoned user, PNB's digital banking services are designed to meet your needs. So, why wait? Discover the convenience and efficiency of managing your finances at your fingertips with PNB Net Banking, and join the ranks of satisfied customers who have embraced this modern approach to banking. Your financial journey is just a click away, and Punjab National Bank is your trusted partner every step of the way.

Introduction

In the fast-paced digital era, we find ourselves in today, the convenience of managing our financial affairs has never been more critical. Punjab National Bank (PNB), a prominent player in India's banking sector, understands this need well and has seamlessly adapted to the evolving financial landscape. Among its array of customer-centric services, PNB offers an invaluable gem – Net Banking. This article serves as your comprehensive guide to Punjab National Bank's Net Banking services, exploring its features, registration procedures, login steps, fund transfer options, transaction limits, and password reset processes.

Why Net Banking Matters

The advent of the internet has revolutionized the way we live, work, and interact with the world, including how we manage our finances. Gone are the days of long queues at bank branches, as online banking provides an accessible and efficient alternative. Punjab National Bank recognizes the significance of this transformation and has introduced its Net Banking platform, empowering customers to oversee their financial transactions from the comfort of their homes or workplaces.

Unlocking a World of Features

PNB Net Banking is a versatile tool that offers a myriad of financial and non-financial features to cater to a wide spectrum of banking needs. From transferring funds seamlessly to managing fixed deposits, paying utility bills, and even handling tax payments – PNB's Net Banking is a one-stop solution.

Beyond Financial Services

What sets PNB's Net Banking apart is its value-added services. Customers can register for mobile banking, obtain e-certificates, enroll in government schemes, and even handle income tax filings, all through the same user-friendly platform. With PNB Net Banking, you can efficiently manage not only your financial transactions but also various administrative tasks related to your accounts.

Making Banking Accessible to All

Whether you're a retail customer or a corporate entity, PNB Net Banking caters to your specific needs. Retail users can easily register online, while corporate clients can seamlessly integrate their operations with the bank's services. This inclusive approach ensures that PNB's digital banking solutions are accessible to all, irrespective of their requirements.

Transaction Security and Flexibility

Security is paramount in the world of online banking, and PNB ensures the safety of every transaction with robust security measures. Users can customize their profiles, set transaction limits, and choose from a range of security options to safeguard their accounts effectively.

In this article, we delve deep into the world of Punjab National Bank's Net Banking, providing step-by-step guidance on registration, login procedures, fund transfers, transaction limits, and password resets.

Whether you're new to online banking or an experienced user, this guide will help you make the most of PNB's digital banking services. Discover the convenience of managing your finances at your fingertips with PNB Net Banking.

Punjab National Bank (PNB) is one of India's leading public sector banks, offering a wide array of banking services to its customers. In today's digital age, PNB understands the importance of providing convenient and accessible banking solutions.

That's why they offer Net Banking services, allowing customers to access their accounts and manage financial transactions from the comfort of their homes or workplaces, at a time that suits them best.

In this article, we'll explore the features, registration process, login steps, fund transfer options, transaction limits, and password reset procedures for PNB Net Banking.

Features of PNB Net Banking Services

PNB Net Banking is a versatile platform that empowers customers with numerous financial and non-financial services. Let's take a closer look at its key features:

Financial Services:

  • Fund Transfers: PNB Net Banking allows you to transfer funds within PNB accounts and with third-party accounts.

  • Online Fixed Deposit and Recurring Deposit: You can open and manage FD/RD accounts online.

  • Inter-Bank Fund Transfer: This service is available 24x7, even on holidays and weekends.

  • IMPS, NEFT & RTGS: You can transfer funds using various payment portals.

  • FD Account Management: Close, modify, or renew Fixed Deposit accounts online.

  • Government and Business Transactions: Transfer funds to government accounts, business accounts, PPF, and SSA accounts.

  • PPF Account Creation: Create your PPF account online without visiting a bank branch.

  • Demat Account Linking: Link your Demat account and view its details.

  • Utility Bill Payments: Pay utility bills and credit card bills conveniently.

  • Online Tax Payments: Pay direct and indirect taxes online using the PNB Net Banking portal.

Non-Financial Services:

  • Account Information: View account details, statements, transaction history, nomination details, and AQB/AMB.

  • Cheque Services: Manage check-related services like stop payments, inquiries, new check requests, and PNB Suraksha Cheque authentication.

  • Offline Services: Request changes to credit card limits, redeem reward points, renew FDs, register for email statements, and apply for PNB products online.

  • Debit Card Services: Customize debit card settings, activate/deactivate cards, reset or set card PINs, and hot-list lost or stolen debit cards.

Value-Added Services of PNB Net Banking

PNB Net Banking goes beyond traditional banking services with its value-added features:

  • Debit Card Registration and Reset: Register and reset debit card passwords online.

  • Scheduled Transactions: Plan and schedule future transactions.

  • Account-wise TDS Details: Access TDS information for your accounts.

  • Mobile Banking Registration and Reset: Register for mobile banking and reset passwords.

  • E-interest Certificates: Obtain e-certificates for education, deposit, and housing loan accounts.

  • Government Schemes: Register for PMSBY, PMJJBY, and APY.

  • Aadhaar, PAN, and GSTIN: Conveniently link your Aadhaar, PAN, and GSTIN.

  • Income Tax Services: Use the portal for E-Filing of Income Tax and generation of Form 26AS.

  • SMS History: View the last 10 SMS sent to your registered mobile number.

  • User ID Customization: Customize your dashboard for an overall view of your accounts.

  • PNB Verify Enrollment/Unenrollment: Manage PNB Verify settings.

How to Register for Punjab National Bank Net Banking Online

For Retail Users, here are the step-by-step instructions to register for PNB's Net Banking facility:

  • Visit the PNB Net Banking portal for Retail Users.

  • Click on the 'Internet Banking Login' option and select 'New User?'

  • Provide your account number and choose the Registration Type.

  • Select 'Register for Internet banking.'

  • Click 'Verify' and enter the OTP sent to your registered mobile number.

  • Enter your debit card number and ATM pin, then click 'Continue.'

  • Set Login and Transaction passwords (ensure they are different) and agree to the terms and conditions.

  • Complete the registration, and you will receive a User ID for immediate login (full access may take 24 to 48 hours).

Registration Process for Corporate Users:

Corporate users need to visit a PNB branch, download the PNB–1063 form from the bank's website, and submit it at the branch. After submission, you will receive a Corporate ID, Administrator ID, and password. The Corporate ID is shared between the Admin User and other users, identifying the corporate entity.

Logging into PNB Net Banking

For Retail Users:

  • Visit the Net Banking portal for Retail Users.

  • Enter your User ID and Login password.

  • Accept the terms and conditions.

  • Enter the OTP received on your registered mobile number.

  • Set up seven security questions and phrases with images to log in.

For Corporate Users:

  • Access the PNB Net Banking portal for corporate users.

  • Corporate admin requires Corporate ID, Admin User ID, and password.

  • Users need to use their User ID and Login password for access.

  • For the first-time login, users should enter the OTP sent to the admin's registered mobile number.

  • Set up seven security questions, phrases, and images.

How to Transfer Money on the PNB Net Banking Portal

To carry out money transfers using PNB Net Banking, you should add the beneficiary first. Then follow these steps:

Money Transfer to Your Account (Retail & Corporate Users):

  • Log in to the PNB Net Banking portal.

  • Click on 'Transactions' and select 'Own Accounts.'

  • Choose the account from which you're transferring funds.

  • Enter the amount and click 'Continue.'

  • Enter the transaction password and click 'Submit' to complete the payment.

Money Transfer to Another PNB Account (Retail & Corporate Users):

  • Log in to the PNB Net Banking portal.

  • Click on 'Transactions' and select 'Within PNB.'

  • Choose the account to which you want to transfer money. If the beneficiary is not added, you can add them.

  • Enter the amount.

  • The transaction date is set to the current date by default, but you can change it for future payments.

  • Click 'Continue.'

  • Enter the transaction password and click 'Submit' to complete the transaction.

Transaction Limits on PNB Internet Banking

For IMPS transfers, PNB account holders can transfer up to Rs. 50,000, with a charge of Rs. 5 + GST per transfer. Under NEFT, the maximum transfer amount is Rs. 10,000, with transaction fees ranging from Rs. 2.00 plus GST for smaller transfers to Rs. 20.00 plus GST for larger transactions. For RTGS, the transaction fee varies depending on the amount, with a maximum fee of Rs. 40.00 plus GST.

Please note that the transaction fees mentioned for NEFT/RTGS/IMPS apply only to transactions conducted at the bank branch, and there are no charges for transactions carried out through other Internet banking or mobile banking methods.

Steps to Reset PNB Net Banking Password

If you need to reset your PNB Net Banking password, follow these steps:

  • Visit the login page of the PNB Net Banking facility.

  • Enter your User ID and click 'Continue.'

  • Click 'Forgot Password?' and provide your User ID.

  • Enter the OTP sent to your registered mobile number and click 'Continue.'

  • Provide your debit card details, linked account number, and ATM Pin, then click 'Continue.'

  • On this page, reset your password (log in or transaction or both) by entering it twice.

  • Click 'Continue' to complete the process.

You will receive a success message on the screen, and you can access various banking facilities with your new password.

In conclusion, Punjab National Bank's Net Banking services offer a comprehensive and user-friendly way to manage your finances online. Whether you're looking to transfer funds, pay bills, or access a wide range of value-added services, PNB Net Banking has you covered. Register today and experience the convenience of online banking with Punjab National Bank.

Conclusion

In a world that never stops moving, where time is precious, and convenience is king, Punjab National Bank (PNB) has emerged as a financial institution that truly understands the needs of its customers.

Through its Net Banking services, PNB has bridged the gap between traditional banking and the digital age, offering a comprehensive suite of tools and features that empower individuals and businesses alike to manage their financial affairs with ease.

As we conclude our exploration of PNB's Net Banking services, it becomes evident that this platform is not just a convenience but a necessity in today's fast-paced world.

PNB has successfully adapted to the digital transformation, ensuring that its customers can access their accounts, transfer funds, pay bills, and conduct various banking transactions from the comfort of their homes or offices, at any time that suits them.

The journey through the features of PNB Net Banking reveals a treasure trove of financial and non-financial services. From transferring funds seamlessly within PNB accounts and with third parties to managing fixed deposits, paying utility bills, and even handling tax payments – PNB has truly embraced the concept of one-stop banking.

These services not only save valuable time but also offer the convenience of managing multiple financial tasks through a single, user-friendly portal.

One distinguishing aspect of PNB's Net Banking is its commitment to providing value-added services. Customers can register for mobile banking, obtain e-certificates, enroll in government schemes, and even complete income tax filings, all within the same platform.

This versatility ensures that PNB's digital banking services cater to a broad spectrum of financial and administrative needs.

Moreover, PNB Net Banking doesn't discriminate; it welcomes both retail and corporate clients with open arms. The platform's accessibility ensures that individuals and businesses, regardless of their specific requirements, can benefit from the convenience of online banking.

Whether you're a retail customer looking to manage personal finances or a corporate entity seeking efficient financial integration, PNB has you covered.

Security, an ever-present concern in the digital age, is a top priority for PNB. The bank has implemented robust security measures, allowing users to customize their profiles, set transaction limits, and choose from a range of security options. This ensures that every financial transaction conducted through PNB Net Banking is protected and secure.

In conclusion, Punjab National Bank's Net Banking services represent a significant leap forward in the world of digital banking. By providing an accessible, secure, and feature-rich platform, PNB has made it possible for individuals and businesses to embrace the future of banking today.

Whether you're new to online banking or a seasoned user, PNB's digital banking services are designed to meet your needs. So, why wait? Discover the convenience and efficiency of managing your finances at your fingertips with PNB Net Banking, and join the ranks of satisfied customers who have embraced this modern approach to banking. Your financial journey is just a click away, and Punjab National Bank is your trusted partner every step of the way.

FAQs 🤔

1. Is PNB Net Banking safe and secure?

  • Yes, PNB employs robust security measures to ensure the safety of your online transactions.

2. What can I do with PNB Net Banking besides basic banking?

  • PNB Net Banking offers a wide range of value-added services, including mobile banking registration, e-certificates, government scheme enrollment, and income tax filings.

3. Can I register for PNB Net Banking as a corporate user?

  • Yes, PNB Net Banking welcomes both retail and corporate clients, offering tailored solutions to meet specific business requirements.

4. How do I reset my PNB Net Banking password if I forget it?

  • You can reset your password by visiting the login page, entering your User ID, and following the password reset steps outlined in the article.

5. Are there transaction limits on PNB Net Banking, and what are they?

  • Yes, transaction limits vary based on the type of transfer. For IMPS, you can transfer up to Rs. 50,000, while NEFT and RTGS have varying limits, as described in the article.

1. Is PNB Net Banking safe and secure?

  • Yes, PNB employs robust security measures to ensure the safety of your online transactions.

2. What can I do with PNB Net Banking besides basic banking?

  • PNB Net Banking offers a wide range of value-added services, including mobile banking registration, e-certificates, government scheme enrollment, and income tax filings.

3. Can I register for PNB Net Banking as a corporate user?

  • Yes, PNB Net Banking welcomes both retail and corporate clients, offering tailored solutions to meet specific business requirements.

4. How do I reset my PNB Net Banking password if I forget it?

  • You can reset your password by visiting the login page, entering your User ID, and following the password reset steps outlined in the article.

5. Are there transaction limits on PNB Net Banking, and what are they?

  • Yes, transaction limits vary based on the type of transfer. For IMPS, you can transfer up to Rs. 50,000, while NEFT and RTGS have varying limits, as described in the article.

Download App

Explore More

Managing assets totalling over 1 crore+