Banks / Punjab National Bank

Punjab National Bank (PNB)

Public Sector Bank 2nd Largest PSU Bank in India India's First Entirely Indian-Owned Bank
OverviewLeadershipContact & Locators ProductsInterest RatesFinancials RBI InfoLatest NewsMore Tools

🏦 Bank Overview

📍
Headquarters
Plot No. 4, Head Office Building, Sector 10, Dwarka, New Delhi - 110075
👤
MD & CEO
Ashok Chandra
📅
Established
1894, Lahore — India's first bank started entirely with Indian capital and management
🌐
Official Website
pnb.bank.in ↗
🏛️
Ownership
Government of India (~70.08%), publicly listed (BSE/NSE: PNB)
🏢
Network
~10,300 branches · ~11,000 ATMs/CDMs across India

👥 Leadership — MD & CEO

Current

Ashok Chandra

Managing Director & CEO, Punjab National Bank — in office since 16 January 2025, for a three-year term. Carries over 33 years of banking experience across Corporation Bank, Union Bank of India and Canara Bank, where he served as Executive Director from November 2022 before taking over as PNB's MD & CEO.

Last Three MD & CEOs

NameTenureNotable Period
Atul Kumar GoelFeb 2022 – Dec 2024Sharp turnaround in profitability and asset quality; GNPA ratio cut from ~11.8% to ~5.7%
S. S. Mallikarjuna RaoOct 2019 – Jan 2022Led amalgamation of Oriental Bank of Commerce & United Bank of India into PNB (effective 1 April 2020)
Sunil Mehta~Nov 2017 – Oct 2019In office when the ~₹14,000 Cr Nirav Modi–Mehul Choksi LoU fraud came to light (Jan 2018)

📞 Customer Care & Locators

Customer Care Email
care@pnb.co.in

Head Office grievances: +91-11-2371 6185

Toll-Free (General Banking)
1800 180 2222 / 1800 103 2222

24×7 card blocking, ATM non-disbursement, general queries

Toll-Free (Other Helplines)
Balance Enquiry: 1800 180 2223
WhatsApp Banking: send "Hi" to +91 9264092640
📍 Branch Locator → 🔎 IFSC Code Finder → 🏛️ RBI Bank Branch/IFSC Master →

💼 Products & Services

💰 Loans

  • Housing Loan (PNB Gen-Next Housing, NRI Housing Loan)
  • Personal Loan (PNB Sahyog)
  • Car Loan / Two-Wheeler Loan
  • Education Loan (PNB Saraswati, PNB Udaan)
  • Gold Loan
  • Agriculture & Kisan Credit Card (PNB Kisan Tatkal)
  • MSME Loans (GST Express, Digi MSME up to ₹25 lakh)

🏦 Deposits

  • Savings Bank Account (PNB Women Power — Pearl/Emerald/Solitaire)
  • Current Account
  • Fixed Deposit (Domestic/NRO Term Deposit)
  • Recurring Deposit
  • Tax-Saving Fixed Deposit
  • NRE / NRO / FCNR Accounts
  • PNB Rakshak Plus (Defence & Police personnel)

📱 Digital & Forex

  • PNB ONE (retail mobile banking app)
  • PNB ONE Biz (corporate mobile banking)
  • Internet Banking (IBS) / mPassbook
  • UPI, BHIM PNB
  • Foreign Exchange & Trade Finance
  • Outward/Inward Remittances (SWIFT)

➕ Other Services

  • PNB RuPay/Platinum Credit & Debit Cards
  • PNB MetLife Insurance & PNB Bajaj General Insurance (bancassurance)
  • PNB Mutual Fund distribution
  • Demat & Trading (PNB Investment Services)
  • Safe Deposit Locker
  • PMJDY, APY, PMJJBY, PMSBY (govt. schemes)

📈 Interest Rates

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Retail Domestic Term Deposit rates below are fetched live from PNB's official rates page where possible. If the live fetch is unavailable, the last published rates are shown instead.

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📊 Financial Results (Last 4 Years)

MetricFY 2025-26 (Mar 2026)FY 2024-25 (Mar 2025)FY 2023-24 (Mar 2024)FY 2022-23 (Mar 2023)
Net Profit (Full Year)₹16,904 Cr₹16,630 Cr₹8,245 Cr₹2,507 Cr
Total Deposits (Global)~₹17.11 Lakh Cr₹15.66 Lakh Cr~₹13.94 Lakh Cr₹12.81 Lakh Cr
Total Advances (Global)₹12.59 Lakh Cr₹11.17 Lakh Cr₹9.83 Lakh Cr~₹8.84 Lakh Cr
Gross NPA Ratio2.95%3.95%5.73%8.74%
Net NPA Ratio~0.30%0.40%0.73%2.72%
CRAR (Capital Adequacy)17.74%17.00%15.97%15.50%
Figures compiled from PNB's published quarterly/annual results, press releases and analyst reports. Some FY22–24 deposit/advance splits (global vs. domestic) and the FY25-26 Net NPA figure are approximate (marked ~) pending exact standalone disclosures. PNB's asset quality was severely impacted by the ~₹14,000 Cr Nirav Modi–Mehul Choksi fraud detected in 2018; the sharp, consistent decline in NPA ratios since FY23 reflects the bank's ongoing recovery and clean-up drive. Always verify precise numbers on PNB's official Investor Relations page before making financial decisions.

🏛️ RBI Regulatory Information (As on Date)

Regulator
Reserve Bank of India, under the Banking Regulation Act, 1949 & Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970
Bank Category
Scheduled Commercial Bank (Public Sector) — Second Schedule, RBI Act 1934
D-SIB Status
Not classified as a Domestic Systemically Important Bank by RBI (D-SIB list currently covers only SBI, HDFC Bank & ICICI Bank)
Minimum CRAR Required
11.5% (9% minimum + 2.5% Capital Conservation Buffer, Basel III) — PNB's actual CRAR: 17.74%
PCA Framework
Not under RBI's Prompt Corrective Action framework — exited PCA in February 2019
Deposit Insurance
DICGC cover up to ₹5,00,000 per depositor per bank
Grievance Redressal
RBI Integrated Ombudsman Scheme, 2021 — toll-free 14448
More
Browse related RBI Circulars →

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