Topic:

Product: Savings Account

1. Kindly let us know whether any SB account variant is there where cash handling charge can be
waived.
The customer can open under PNB Elite Saving Scheme having 2 variants. In Executive scheme,
Cash Deposit Charges and Cash Withdrawal Charges are 5 Free transactions per month while in
while in Grand Scheme, cash deposit and withdrawal are unlimited. Pleas
Reply as on : 15.10.2025, Reference : BUSINESS ACQUISITION RELATIONSHIP MANAGEMENT
DEPOSIT MARKETING CIRCULAR NO. 13/2025
2. Kindly let us know whether any SB account variant is there where cash handling charge can be
waived.
The customer can open under PNB Elite Saving Scheme having 2 variants. In Executive scheme,
Cash Deposit Charges and Cash Withdrawal Charges are 5 Free transactions per month while in
while in Grand Scheme, cash deposit and withdrawal are unlimited. Pleas
Reply as on : 12.09.2025, Reference : BUSINESS ACQUISITION RELATIONSHIP MANAGEMENT
DEPOSIT MARKETING CIRCULAR NO. 13/2025

Topic: Credit and Asset Quality - Credit (Agriculture)

Product: Agri Gold Loan

1. "PDC is required in Agricultural gold loan and digital gold loan"

"Yes, PDC is required. Please refer to IRMD, LOANS ADVANCES CIRCULAR NO. 68-2023 and
Agriculture Division Cir. No. 70-2023, 49-2022."
Reply as on : 08.12.2025, Reference : IRMD, LOANS ADVANCES CIRCULAR NO. 68-2023 and
Agriculture Division Cir. No. 70-2023, 49-2022

Product: Agricultue officer

1. what is the Roles and responsibilities of Agriculture Officer ?

Please refer to Agriculture Div. Cir. No. 98/ 2025 for Role and responsibilities of AO.
Reply as on : 08.12.2025, Reference : Agriculture Div. Cir. 98/2025

Product: Agriculuture Loaning Power

1. As per loaning power circular aggregate commitment per borrower is 10 lakh to all loan ,In
agriculture segment KCC AND KGS upto 10 lakh is dealing with branch ,if total agri exposure is
mode then 10 lakh and borrower want to loan under investment credit of 5 lakh, in this case
who is sanctioned authority .
"PLP RAM will sanction the loan"
Reply as on : 08.12.2025, Reference : IRMD, L & A, Cir. No. 40/2025

Product: AIF

1. "We have takeover proposal which is already sanctioned under AIF. Please confirm whether we
can takeover the same under AIF and if yes please inform whether refund of CGTMSE fee
subvention will be available as in AIF Scheme to the party. Please inform the SOP."
"Official dealing with AIF Scheme has informed that Ministry has instructed to not allow any takeover
proposals as benefits of AIF will not be available to such beneficiaries"
 Reply as on : 08.12.2025, Reference : .

Product: Animal Husbandry Infrastructure Development Fund

1. Please clear that is KCC (Animal Husbandry) more than 2.0 lakh covered under CGTMSE
coverage
No KCC (Animal Husbandry) is not eligible for CGTMSE Coverage. Only units which come under the
definition of MSME are eligible for CGTMSE Cover.
Reply as on : 08.12.2025, Reference : Agriculture Div. Cir. 36/2025

Product: Bee keeping & PMEGP

1. We have recieved a proposal for bee keeping under PMEGP with TL requirement of RS. 18
lakhs, Cc of Rs. 1 lakh with total project cost of 20 lakhs, 5 being borrower margin. As per
agriculture division bee keeping circular only Nature of loan can only be TL and recurring cost
may be integral part of term loan component itself. Please guide if we will finance facility in
form of only TL as mentioned in said circular or will be financed as proposed by borrower ie TL
and CC as per PMEGP guidelines
In terms of the said circular, provision for initial recurring costs will also form an integral part of
termloan [Link] such, recurring cost incurred in later years of project may be sanctioned in terms of
Procedural Guidelines for Agriculture Credit as
Reply as on : 08.12.2025, Reference : .

Product: CERSAI

1. Is there cersai mandatory for agriculture loans like kcc in which agriculture land is mortgaged
Please refer to AGRICULTURE DIVISION CIRCULAR NO. 04-2024 all mortgages (irrespective of the
mortgage creation date) must be registered with CERSAI, wherever applicable. CERSAI registration
mandatory on those loans and property which are eligible for acti
Reply as on : 08.12.2025, Reference : AGRICULTURE DIVISION CIRCULAR NO. 04-2024

Product: Cold Storage/Warehouse

1. Dear Sir Madamwe have received Proposal for construction of ware house for storage agri.
produce, kindly guide us about circular no. and other procedural guide lines, or proposal will
comes under Agriculture Segment or MSME Segment
Proposal to be dealt by MSME segment. Refer MPD Cir. no. 08-2020.
Reply as on : 08.12.2025, Reference : MPD Cir. no. 08-2020.

Product: Dairy-PMEGP

1. SirWe have received a Dairy proposal of RS. 9.50 lakh under PMEGP for purchase of milch
animals. Can we cover it under CGTMSE or we have to take collateral security as per
agriculture procedural [Link] guide with circular no.
All proposals received under PMEGP are eligible for CGTMSE coverage in terms of PMEGP
guidelines subject to eligibility criteria.
Reply as on : 08.12.2025, Reference : .

Product: DRI
 1. How to open account in DIFFERENTIAL RATE OF INTEREST scheme and what is the scheme
code and intt table code.
Scheme code will be as per the activity undertaken by the beneficiary. Interest table code is DRIL as
per ITD-CBS Circular No.10-2018 and this circular is still operative.
Reply as on : 08.12.2025, Reference : ITD-CBS Circular No.10-2018
2. Can DRI advnance can be sanctoned to any customer irrespective of inocme criteria?
Under the DRI Scheme, finance up to 15,000/- at a concessional rate of interest of 4 per cent per
annum to the weaker sections of the community for engaging in productive and gainful activities
Reply as on : 08.12.2025, Reference : Agriculture Div. Cir. 40/2025

Product: Due Diligence

1. A proposal has been sent to PLP RAM amounting 70 lakh and the RAM has sent query
regarding additional confirmations such as dispute of land among the family members,
encumbrances and total cultivable land to be mentioned in the field visit report which is
modified by PLP. IS THIS A PART OF DUE DILIGENCE WHICH IS TO BE CARRIED OUT BY
ASSESMENT OFFICER IN RAM OR AGRICULTUREE OFFICER POSTED AT BRANCHES
As per IRMD LA Cir. No. 85-2023 at Pre-sanction stage except for KYC verification all other due
diligence measures to be carried out by Assessment Officer or Segment Head of PLP.
Reply as on : 08.12.2025, Reference : IRMD LA Cir. No. 85-2023

Product: Duty of Agriculture Officer

1. who has to recommend the agriculture loans loan officer in the branch or agriculture officer of
that branch what is the duty sheet of an agriculture officer
Agriculture Officer will be responsible for generation of convertible leads as under: • CC/KCC/KSY of
more than Rs 10.00 Lakhs. • Agri TL (Investment/ Infra/Allied Agriculture) of more than Rs 5.00 Lakhs.
• SHG -All Fresh Sanctions and Enhancement. b. All
Reply as on : 08.12.2025, Reference : Agriculure Division Cir. 98/2025

Product: Farm House

1. What can be maximum uantum of loan under farmhouse construction

Need based loan depending upon the project cost and repaying capacity of the borrower subject to
maximum ceiling of 25.00 lakh.
Reply as on : 08.12.2025, Reference : AGRICULTURE DIVISION CIRCULAR NO. 71/2025

Product: Farm Mechanisation

1. What will be repayment frequency in Tractor loan without mortgage of Agriculture land
Maximum 5 years in form of monthly/ quarterly/ half yearly installments.
Reply as on : 08.12.2025, Reference : Agriculture division Cir. 70/2025
2. Ca we finance any model of tractor under Farm Mechnisation
Only approved model of tractor can be financed
Reply as on : 08.12.2025, Reference : Agriculture division Cir. 70/2025

Product: Farm Score

 1. Kindly inform the validity period for PNB Farm Score. I have refered AGRICULTURE DIVISION
CIRCULAR NO.27 2022, 792020, 69 2020, 222020.
Farm Score for Term Loan is valid till tenure of the [Link] of Farm Score for Annual Credit Limits
is One YearValidity of Farm Score for KCC and KGS is 5 years
Reply as on : 08.12.2025, Reference : .

Product: FPO

1. SirMadam,We are in receipt of term loan for transport vehicle (Mobile Van)in favor of FPO. Can
we finance transport vehicle to Farmer Producer Organisation
PLEASE BE GUIDED BY AGRICULTURE DIVISION CIRCULAR NO. 822023 DATED 30-11-2023
AND SANCTION THE LOAN ACCORDINGLY
Reply as on : 08.12.2025, Reference : AGRICULTURE DIVISION CIRCULAR NO. 82-2023
2. Sir , We have Received a FPO loan application of Rs. 50.00 lakh for Cash credit. Please guide
us that who will process this loan- Agri. Or MSME division.
"for Core Agriculture Activities of FPO it will be processed by Agri segment and for Other than Core
Agriculture Activities it will be processed by MSME segment. refer MPD circular 08-2020."
Reply as on : 08.12.2025, Reference : Refer MPD circular 08-2020."

Product: GCC & KCC

1. A customer is having GCC limit amt Rs. 10 lacs at one of our branch and now he wants a kcc
limit Rs. 3 lacs. kindly guide whether it can be sanctioned at GBB power or we need to forward
it to our PLP.
PLP/RAM will sanction the loan.
Reply as on : 08.12.2025, Reference : IRMD LA Cir. No. 40 /2025

Product: JLG

1. If KCC has been financed under JLG, how subvention will be lodged as Adhaar is mandatory
cannot be seeded in Corporate CIF ID Please guide
"Concerned Officials have informed that for interest subvention calculation, Aadhar Card is fetched
from all sources including CRM, ID Proof, Address Proof, Adhar-linkage etc. of beneficial owner and
related party details in loan account."
Reply as on : 08.12.2025, Reference : .

Product: Kalyani card scheme

1. Respected Sir Madam Can we renew account under Kalyani card scheme with scheme code
CCKLY to save it from NPA
Kalyani scheme has been discontinued , take up with the borrower for closure of the account.
Reply as on : 08.12.2025, Reference : Agriculture Division Cir. No. 02/ 2020

Product: Kalyani Scheme

1. "for accounts which are in Kalyani scheme, what are the documents which are required while
doing renewal of account?"
Scheme since discontinued. Please refer to Agriculture Div. Cir. No. 02/ 2020 dated 31.01.2020,where
it is mentioned : Accounts already opened under these schemes will continue till maturity. As such no
 renewal to be done.
Reply as on : 08.12.2025, Reference : Agriculture Div. Cir. No. 02/ 2020

Product: KC C

1. A customer having KCC limit with us of Rs.4 Lakh under KCC scheme now he wants to
enhanace this limit under KGS scheme and on the same time he has also a kcc limit from union
bank on other land that situated in other [Link] we enhance this limit under KGS scheme of
not kindly guide.
Farmers who have already availed short term loans from other banks or financial institutions will not be
eligible for short-term loan.
Reply as on : 08.12.2025, Reference : Agriculture Div. Cir. 36/2025

Product: KCC

1. "A KCC account is running regular from our branch from last 2 year. In same duration borrower
also availed another KCC facility from Sarv Haryana Gramin Bank on agri land of other revenue
village. Now Borrower applied for kgs under enhancement from our branch. Kindly guide us we
can financed the above mentioned borrower under KGS or not."
Branches may extend KSY facility to farmer members of Co-operative Societies who have already
availed short term crop loans from Primary Agriculture Cooperative Credit Societies (PACS) subject to
following conditions: a) The borrower should not be a defau
Reply as on : 08.12.2025, Reference : Agriculture Division Cir. No. 72/2025
2. "If the sanction limit of a KCC is Rs 25 lakh and its DP is Rs 18 lakh, then how much interest
will be charged."
"ROI is as per exposure so, KCC Up to 20 Lakhs MCLR(1 Yr) 1.25 , KCC Above 20 lakhs and upto 50
lakhs MCLR(1 Yr) 2.00"
Reply as on : 08.12.2025, Reference : Agriculture Div. Cir. 36/2025
3. As per Agriculture division Circular no 36/2024 for loans sanctioned above Rs 2.00 lakhs
alternate security may be taken viz. charge lien over liquid securities such as termdeposits
NSC KVP, etc. which may be considered adequate. We need clarification whether gold can be
taken as liquid security for the above mentioned condition.
Yes, KCC can be sanctioned against gold jewellery,ornaments as collateral. Compliance of guidelines
issued on financing against gold to be ensured by sanctioning authority.
Reply as on : 08.12.2025, Reference : Agriculture division Circular No. 36/2024
4. as per agri 762024 a Supplementary Agreement to be taken at the time of renewal or transfer to
new scheme code obtaining the Supplementary Agreement my question is where is the
Supplementary Agreement how can we download
PNB 1316 is available on knowledge center
Reply as on : 08.12.2025, Reference : Agri. Div. Cir. No. 76/2024
5. Can we do kcc by accepting gold ornament as collateral
Yes, KCC can be sanctioned against gold jewellery and ornaments as collateral. Compliance of
guidelines issued on financing against gold to be ensured by sanctioning authority.
Reply as on : 08.12.2025, Reference : .
6. Can we finance KCC to NRE or NRO customer,please clarify
No, it can not be sanctioned.
 Reply as on : 08.12.2025, Reference : AGRICULTURE DIVISION CIRCULAR NO. 85-2023
7. Dear sirkindly clerify us that if any borrower is enjoying KCC facilities from any other bank like
SBI, UBI, etc and he applied with us for Fresh KCC KGS, in this case, take over norms is
applicable or not kindly refre us Circular number also for future reference.
PLEASE BE GUIDED BY POLICY ON TAKEOVER OF BORROWAL ACCOUNTS ISSUED BY HO
IRMD
Reply as on : 08.12.2025, Reference : AGRICULTURE DIVISION CIRCULAR NO. 85-2023
8. Respected sir, is that dairy KCC holder eligible for 3 int. subvetion, Please guide us .Thanks
"Yes, dairy KCC opened under the scheme KISAN CREDIT CARD- WORKING CAPITAL FOR
ANIMAL HUSBANDRY is eligible for 3 percent Prompt repayment interest subvention subject to
maximum limit of Rs. 2 lakh (within overall limit of Rs. 3 lakh). Please refer to agr
Reply as on : 08.12.2025, Reference : Agriculture division cir. no. 36/2025
9. One of our customer of Ludhiana State Punjab has requested for KCC limit. He has agriculture
land in Ludhiana as well as some land in Sate-Haryana. He is cultivating land in both the states
and want to get a KCC limit showing cultivation of both states and mortgaging his land of
Ludhiana State Punjab only. Please guide us in this matter can we do the lending.
Please refer agriculture division circular 02-2022 where in it is mentioned that Rural lending shall be
restricted within the state boundary to have effective supervision and follow-up.
Reply as on : 08.12.2025, Reference : Agriculture division circular 02-2022.
10. WHETHER CONCEPT OF TAKE OVER IS APPLICABLE IN AGRI KCC ACCOUNTS eg A
BORROWER FROM SOME OTHER BANK CLOSED HIS KCC ACCOUNT HAVING SANTION
LIMIT OF Rs 3 LACS AND APPLIED FOR KCC ACCOUNT AT OUR BRANCH OF Rs 8 LACS
WITHIN 1 MONTH OF CLOSURE ,DO CONCEPT OF TAKE OVER IS APPLICABLE IN THIS
CASE
"yes it will be under deemed takeover case"
Reply as on : 08.12.2025, Reference : .

Product: KCC Animal Husbandry

1. "one of our customer is having KCC (crop Loan), Now he approached our branch for fresh KCC
for animal husbandry. do we need to open separate KCC account for animal husbandry as the
KCC scheme for animal husbandry is seperate in Lens module or we need to club the eligible
kCC limit in existing crop loan account."
"Separate KCC account for animal husbandry needs to be opened. Please refer Agriculture Division
Cir. No.36/2025
Reply as on : 08.12.2025, Reference : Agriculture Division Cir. No. 36/2025

Product: KCC Interest Subvention

1. We have received banking ombudsman complaint regarding interest subvention on gold loans.
customer availed gold loan in the month of August 2019 and the same closed within 1 year.
But, as per DFS, GOI vide letter no. F. No. 3292019-AC dtd 16.12.2019 has informed that stop
providing interest subvention and PRI benefits to Non-KCC accounts including agri gold loan
[Link] customer claimed that he has availed gold loan before december 2019 and demanded
for subvention. Please clarify.
Subvention Benefits for Non-KCC loans were available till 01-04-2020 and as such the accounts
 sanctioned before 01-04-2020 were eligible under interest subvention scheme subject to other
conditions.
Reply as on : 08.12.2025, Reference : .

Product: KCC/KGS

1. "If a borrower is owner of Agricultural land in two different states and he is already availing a
KCC limit in one state and now he wishes to avail a fresh KCC for his other agricultural land
which is located in other state and the land is free from all encumbrances. Can he avail a fresh
CC on the unencumbered land of other state"
"in terms of Procedural Guidelines for Agriculture Credit, financing cannot be done outside state
boundary."
Reply as on : 08.12.2025, Reference : Agriculture Division Cir. No. 135/2017.
2. While processing KGS loan ( Kisan Gold Scheme) primary security borrower is giving
agricultural land and for collateral security instead of mortgaging agriculture land whether we
can mortgage any other commercial property "
"Yes any SARFAESI compliant property can be taken as collateral security. Please refer to Agriculture
Div. Cir. no. 02/2022."
Reply as on : 08.12.2025, Reference : Agriculture. Div. Cir. no. 02/2022
3. Can we sanction Normal KCC for crop production and Dairy KCC to a same person as 3
subvention will be credited both account.
"Yes, we can. Please refer to Agriculture Division circular no. 36/2024
Reply as on : 08.12.2025, Reference : Agriculture Division circular no. 36/2024
4. One of the customer has approched for Loan under Kisan gold scheme. He was having loan in
Other Bank ( KCC in other bank amount of 3 lacs) on 12 acre land. now customer wants to
close that kcc, and he wants 12 lacs under KGS. Questtion 1. is it coming under deemed
takeover Question 2. Can we finance only 125 as per takeover guidelines. ( He is closing kcc
from his own funds) or it is waived in agriculture cases.
Yes, it will be treated as deemed takeover case. Please refer to IRMD, L A, Cir. no. 185-2022
regarding competent sanctioning authority for financing more than 125 and takeover guidelines.
Reply as on : 08.12.2025, Reference : IRMD, L & A, Cir. no. 185-2022
5. What is the age criteria or maximum permissible age considered for KGSKCC scheme."
"No maximum age criteria prescribed in KCC or KGS scheme. However for coverage under PMSBY
maximum age limit is 70 years. Please refer to Agri. Div. Cir. no. 36/2025 and 108/2024
Reply as on : 08.12.2025, Reference : Agriculture Div. Cir. 108/2024.36/2025
6. A customer having KCC loan in other bank, he is now approached with us for Agriculture loan,
As this case comes under deemed take over and we cant finance more than 25 if we finance
him KCC from our bank. But my query is can we finance him under KGS scheme for more
amount as the scheme is changed from KCC to KGS.A another query is if customer bought
extra agriculture land after taking KCC of that another bank and applied to us with total land , is
deemed take over case applicable here
In case of working capital limits, if enhancement of more than 25 is considered at the time of takeover,
then, the proposal shall be sanctioned by HOCAC-I and above within their vested loaning power
based on merit of the proposal on case to case [Link]
Reply as on : 08.12.2025, Reference : IRMD, L & A, 185-2022
7. Dear sirmadam can we sanction KCC or KGS or any other agriculture loans to staff members
kindly guide [Link]
 Staff can avail KCC loan, refer agriculture division circular 85-2023. But no other scheme available for
staff.
Reply as on : 08.12.2025, Reference : .
8. Sir Can we finance the KCC/KGS facility to applicant even if he was availing KCC facility from
PACS. He wants to enjoy the KCC facility from both i.e. with us and cooperative bank.
Dear Sir, Branches may extend KCC facility to farmer members of Co-operative Societies who have
already availed short term crop loans from Primary Agriculture Cooperative Credit Societies (PACS)
subject to following conditions: a) The borrower should not
Reply as on : 08.12.2025, Reference : Agriculture Div. Cir. 36/2025

Product: KCC/KSY

1. As per valuation policy whether agriculture lands valuation is to be done by civil engineer or
collector rate will be considered at the time of one time settlement.
In agricultural loans up to credit limit of 2.00 Crore, where agricultural land is being offered as security,
valuation of such agricultural land may be assessed on the basis of Circle Rates decided by revenue
authorities. The same shall be authenticated
Reply as on : 08.12.2025, Reference : Agriculture division Cir. 108/2024

Product: KCC/MUDRA

1. "Is insurance mandatory for KCC and Mudra Scheme Loans If yes can Branch debit borrowers
loan account without consent mandate of the borrower and What if borrower refuses to debit
for insurance"
"In case of KCC, insurance under PMFBY is voluntary, however in such cases specific mandate from
the borrower that they dont want to be covered under PMFBY or any other crop insurance scheme to
be obtained. Generally, Insurance of each and every security
Reply as on : 08.12.2025, Reference : IRMD, L & A, cir. no. 148-2022

Product: KGS

1. If any one had KCC in other bank and come to our Bank after closure with satisfactory track
record of two years. Please clarify that if we enhancing the above proposal under KGS scheme
then deem takeover guidelines will apply or not
In case of borrower was availing credit facilities from another Bank within the period of three months
prior to submitting loan proposal to our Bank, such credit proposal shall be treated as Deemed
takeover. Takeover norms would apply on Deemed takeover a
Reply as on : 08.12.2025, Reference : IRMD LA cir 185/2022 and Agri Div. Cir. 175/2024
2. "We have received lead from branch for Kisan Gold Scheme. Borrower is not having loan
transaction for last two years. However, Branch is confirming he is having SF Ac with us for
last two years and is offering 50 pc liquid collateral and remaining 50 pc will be secured by
agricultural land. Kindly clarify whether the borrower can be considered as having good
amount of deposit for last two years and whether eligible for financing under KGS. What
amount is considered good deposit in SFaccount"
Only Term Deposits are to be considered for eligibility assessment under the KSY Scheme
Reply as on : 08.12.2025, Reference : Agriculture Division Cir. No. 108/2024
3. if kcc limit against deposits is enhanced under KGS with 200 percent IP. now customer want to
 change the IP who s power does sanction falls on is there an format for this"
Refer IRMD LA circular 44-2023 for substitution of security . Forms given in Special link under IRMD
LA circulars - format for amendment in Term and conditions under credit appraisal formats 01.04.2020
.
Reply as on : 08.12.2025, Reference : IRMD LA circular 44-2023 for substitution of security
4. Can we enhance the existing KGS limit with in six months of last sanction if borrower gives
additional agriculture land as security"
"ZOCAC can sanction enhancement within 6 months."
Reply as on : 08.12.2025, Reference : IRMD LA circular 40-2025.
5. "In a Kisan gold loan application at PLP, Staff is co borrower cum land owner, can we give
Kisan gold to KGS kindly tell who is the competent authority to give permission to give KGS to
staff. (Please mention circular no)."
"STAFF CANNOT BE SANCTIONED CREDIT FACILITIES UNDER KSIAN GOLD SCHEME"
Reply as on : 08.12.2025, Reference : .

Product: Kisan Credit Card

1. CREDIT information report at the time of review of KISAN CREDIT CARD to be drawn or not
mandatory
As per IRMD, L & A, Circular no. 12/2023, CIR report to be drawn at the time of review of accounts
also. As such, CIR to be drawn at the time of review of KCC account.
Reply as on : 08.12.2025, Reference : IRMD, L & A, Circular no. 12/2023
2. KCC account holder can cash withdrawal by cheque in intersol branch?
Yes, but with precautions as mentioned in LOANS & ADVANCES CIRCULAR NO. 157/2020, page no.
109, clause 11.4 CASH WITHDRAWAL THROUGH SELF DRAWN CHEQUES AT A NON BASE
BRANCH.
Reply as on : 08.12.2025, Reference : IRMD, LOANS & ADVANCES CIRCULAR NO. 157/2020 and
Agri. Div. Cir.36/2025
3. If a customer has already availed KCC/KGS in other bank mortgaging agriculture land and if
he/she approaches our bank for KCC/KGS Offering a different agriculture land can we process
the loan? If yes do we need to ask him to close the existing KCC/KGs in other bank before
disbursement? Can a borrower avail multiple kcc/kgs loans in multiple banks? kindly clarify
Dear Sir, Farmers who have already availed short term loans from other banks or financial institutions
will not be eligible for short-term loan.
Reply as on : 08.12.2025, Reference : Agriculture Division Cir. 36/2025 for the same.

Product: Kisan Gold Scheme

1. Dear team, An existing customer with good kcc credit record for the past two years has
approached the branch for increasing the limit. customer agreed to take the loan in Kisan
Samriddhi scheme while processing the loan under kgs scheme it should be processed as a
fresh loan or loan under enhancement in KGS scheme.
"Please refer to Agriculture Div. Cir. 108/2024 As the new Kisan Samriddhi account will be opened
under new scheme code and as per Kisan Samriddhi Scheme Guiidelines. It is better to process it as
fresh loan in Kisan Samriddhi scheme."
Reply as on : 08.12.2025, Reference : Agriculture Div. Cir. 108/2024, 175/2024
 2. We finance kisan samriddhi loan account amounting - Rs. 10000000-(one crore) we want to ask
that existing kcc account number should be same or not and can we enhance this account of
same account number or not
All loan applications should mandatorily be processed through PNB Lens Agri. Module. b) For proper
classification and charging of interest in loan accounts, it is necessary to open the loan accounts
underthe correct scheme code, assign proper interest tab
Reply as on : 08.12.2025, Reference : Agriculure Division Cir. 108/2024
3. Please guide who is the competent authority to sanction KGS of Rs. 58 Lakh to a partner of the
firm which(THE FIRM) is availing business loan of Rs. 60.00 Lakh under power of PLP (RAM)
Loans under KGS in individual capacity to promoters/ Directors of company or partners of firm may be
sanctioned by CHCAC headed by Circle Head (within their discretionary loaning power) even where
the existing facilities for business purposes have been sa
Reply as on : 08.12.2025, Reference : Agriculture division, Cir. 108/2024
4. respected sir/madam,if agriculture land value is above 2 crore as per DLC rate, whether
independent valuation is required in loan under KISAN SAMRIDDHI SCHEME.
For borrowal accounts having aggregate limit of Rs.1 crore & above (above Rs. 2.00 Crores in case of
agricultural loans), valuation of immovable properties charged/mortgaged to the Bank is to be got done
from approved valuer once in three years. As regard
Reply as on : 08.12.2025, Reference : IRMD L&A Cir. No. 19/2025

Product: Kisan Tatkal Rin

1. Please guide us whether there is any processing charge for Krishi Tatkal Rin in agriculture
Loan.
No Processing Charge to be taken for Krishi Tatkal Rin. Please refer PSFID [Link]. 35/2021 dated
30.04.2021 & Agriculture division cir. no. 22/2023 dated 27.03.2022. Please refer, IRMD, L & A, Cir.
no. 207/2021. For agriculture credit up to Rs. 3.00 lak
Reply as on : 08.12.2025, Reference : Agriculture Div. [Link]. 35/2021 dated 30.04.2021 & Agriculture
division cir. no. 22/2023 dated 27.03.2022 & IRMD, L & A, Cir. no. 207/2021.

Product: Kisan Unnati Scheme

1. I have a proposal under kisan unnati scheme. in which two account will be opened one account
under kcc and one account under kisan unnati so i want to know existing kcc account to be
enhanced or new account will be opened . kindly guide us .
"Please refer to Agriculture Division Cir. No. 67/2022, as no such restriction regarding closure of
previous account has been mentioned for KCC component of krishak unnati existing limit may be
enhanced and a separate account for krishak unnatti component
Reply as on : 08.12.2025, Reference : Agriculture Division Cir. No. 67/2022

Product: Krishi Tatkal Rin

1. Dear Sir,we can sanction tatkal krishi rin exisitin Kisan Samriddhi (krishi Samriddhi scheme)
borrower ?
Dear Sir, Individual farmers /joint borrowers (not exceeding four farmers) who are existing Kisan Credit
Card (KCC) holders or borrowers availing loans for agriculture/allied activities are eligible.
Reply as on : 08.12.2025, Reference : Agri Division Circular No. 35/2021
Product: legal vetting of documents

1. In agriculture loans, when legal vetting is required.

L&A Cir. No.51/2024-Credit Management & Risk Policy for the Year 2024-25 and updated time to
time. Vetting of Loan Documents has been done from the approved advocate in case of borrowal
accounts, with sanctioned limits of 2 Crore and above (both fund bas
Reply as on : 08.12.2025, Reference : IRMD, L & A, Cir. No. 51/2024

Product: Loan to Staff

1. Who will process and sanction staff loans of incumbent of GBBs.

The staff loans of incumbent of GBBs shall be processed at mapped PLP and sanctioned by PLP
Heads as per vested loaning powers.
Reply as on : 08.12.2025, Reference : .

Product: Loaning Power

1. With reference to Circular IRMD LA Cir. No. 40/2025 Loaning Powers and Exercising such
Powers at Various Levels, aggregate commitment per borrower has been discussed. Does it
segregate the loans in Agri, MSME and Retail exposure wise or is it only Retail and Agri MSME
exposure wise"
"Only Retail and Agriculture MSME exposure wise. For example in case of GBBs: 1. Agri. 10 lakh
+Retail 10 lakh 2. MSME 10 lakh + Retail 10 Lakh 3. Agri. + MSME Total 10 lakh 4. Agri. + MSME: 10
lakh and Retail 10 lakh."
Reply as on : 08.12.2025, Reference : IRMD LA Cir. No. 40/2025
2. Dear team we have a proposal of KCC of Rs 1.10 Crore for production purpose, please clarify
the loaning power of this proposal, weather it is vested in MCC or PLPCAC as per LOANS
ADVANCES CIRCULAR NO. 44 2023
If the branch is linked with MCC, then the proposal falls under MCC power. If the branch is not linked
with any MCC then it will be processed by PLPCAC. Please refer to IRMD LA Cir. No. 40/2025
Reply as on : 08.12.2025, Reference : IRMD LA Cir. No. 40/2025
3. "We have received a term loan proposal of rs. 4.00 lac under agriculture investment credit .
Applicant already enjoying KCC limit of rs.25.00 lac with us . Please guide us under whose
loaning power the above said term loan proposal will falls RAM or GBB "
"RAM, as aggregate exposure more than Rs. 10 lakh."
Reply as on : 08.12.2025, Reference : IRMD L& A, Cir. No. 40/2025

Product: Microfinance Loan

1. Sir, What documents should we take for confirmation of household as per microfinance loan
Agriculture division Circular Number 712023 in which it is said that For the purpose, the
household shall mean an individual family unit, i.e., husband, wife and their unmarried
children.
Please refer to ANNEXURE- IV, MICROFINANCE LOANS OPERATIONAL GUIDELINES of Agri. div.
cir. no. 71-2023 Undertaking to be given by the loan applicant for household income and no other
documentary proof for the same should be sought. Documentary proof of a
Reply as on : 08.12.2025, Reference : Agriculture Division Circular Number 71/2023.
Product: PM KUSUM

1. Please tell Loan of AIF under PM KUSUM yojana repayment period

For PM KUSUM loans eligible under AIF Scheme (as specified in Agriculture Division Cir. No.
158/2024 dated 25- 10-2024 and subsequent circulars from time to time), repayment period shall be
10 to 15 years including moratorium of 6 to 9 months, depending u
Reply as on : 08.12.2025, Reference : Agriculture Div. Cir. 103/2025

Product: PMEGP

1. Dear Sir,We have received a Poultry Proposal of Rs.13.00 Lacs under PMEGP with CGTMSE
Coverage. Can this proposal consider under CGTMSE coverage.
"Yes, as per MSME cir. no. 68-20222, dated 28-12-2022 all the proposals related to animal husbandry
including poultry received under PMEGP scheme may be treated as under the service sector of
MSME."
Reply as on : 08.12.2025, Reference : MSME cir. no. 68-20222, dated 28-12-2022

Product: PMEGP/DAIRY

1. "Recently dairy activity considered PMGEP unit by MSME ministry. What will be the
classification of sauch proposals processed, whether it will bePriority sector msme or Priority
sector AgriPlz guide refer circular"
"All Dairy units under PMEGP may be classified under Services Sector MSME. Refer MSME
DIVISION CIRCULAR NO. 68-2022."
Reply as on : 08.12.2025, Reference : MSME DIVISION CIRCULAR NO. 68-2022

Product: PMFME

1. loan rejection of Rs 27.00 lakhs under PMFME SANCTIONING AUTHORITY RAM. KINDLY
STATE THE AUTHORITY FOR [Link] WE BASE UPON AGRI DIV CIRCULAR NO.
052022 DT 01.02.2022. IF NOT , NEW CICRULAR IF ANY.
As per Agriculture Division Cir. No. 05-2022, if sanctioning authority is RAM, authority for rejection is
Zonal Office. Yes, Agriculture Division Cir. No. 05-2022 dated 01.02.2022 is still operative.
Reply as on : 08.12.2025, Reference : Agriculture Division Cir. No. 05-2022
2. Borrower has applied for TL of Rs50.00lacs CC of Rs100.00lacs for food processing unit under
PM-FME. Borrower also wants to take benefit of interest subsidy under Agri-infra [Link]
we proceed for both scheme together.
"Please refer to Agriculture Div. cir. no. 43-2022, where it is mentioned Applicant -enterprise is eligible
for bank loan under the scheme, even if he has availed bank loan in other Subsidy Linked Schemes of
Govt. Applicant is also eligible for Interest S
Reply as on : 08.12.2025, Reference : Agriculture Div. cir. no. 43-2022
3. Kindly provide consolidated circular for PMFME Scheme.
Refer agriculture div cir 59-2020, 5-2022, 43-2022
Reply as on : 08.12.2025, Reference : Agriculture division circular no. 59/2020, 05/2022, 43/2022.

Product: PNB Krishi Tatkal Rin

1. "Account opened under krishi tatkal Rin will be closeD or renewed after completion of 3 years
kidnly guide."
 Loan can be given in either in form of Overdraft Limit with reducing Drawing Power (DP) or Term
Loan. OD limit may be resotred however term, loan is to be closed.
Reply as on : 08.12.2025, Reference : Agri. Div. circular no. 35/2021

Product: PNB SWARNIM

1. Whether we have to prepare Pre Disbursement compliance certificate in Gold loan accounts
(both agri and retail) Or not Kindly guide and suggest circular if any
"yes PDC have to be prepared , refer IRMD LA circular 68-2023"
Reply as on : 08.12.2025, Reference : IRMD LA circular 68-2023

Product: PNB Swarnim

1. SIR, AS PER AGRICULTURE CIRCULAR NO 49 2022 PAGE 4 NOTE 1 PLEASE CLEARIFY

WHETHER TWO ACCOUNTS OF 200000 (TWO LAKH) CAN BE CONSIDERED FOR SANCTION
UNDER SWARNIM AGRI GOLD LOAN SCHEME WITHOUT OBTAINING AGRICCULTURE
REVENUE RECORD
No. If aggregate loan amount is more than Rs. 3.00 lakh proof of ownership of agriculture land
(revenue records) to be obtained.
Reply as on : 08.12.2025, Reference : Agri. Div. Cir. no. 49-2022

Product: PNB Swarnim- Agriculture Gold Loan

1. "Sir,in Agriculture gold loan (PNB Swarnim) of rs, 4.00 lakhs inder branch power , Pre
disbursement compliance is required or not (PDC), kindly guide us"
"Yes, Pre disbursement compliance (PDC) is required. Please refer to IRMD LA Cir. No. 68 -2023 for
consolidated guidelines on PDC and exempted categories."
Reply as on : 08.12.2025, Reference : IRMD LA Cir. No. 68 -2023
2. Agri Swarnim Gold Loan can be renew for next one year or it should be close
"As gold loan under PNB Swarnim is sanctioned as Demand Loan for tenor of one year only it cannot
be renewed. Close the account and open fresh one in case of need by the applicant."
Reply as on : 08.12.2025
3. Sir/Madam how much margin should we take when we give KCC loan against security of gold
ornaments. is it 75 % or 85 % (as per swarnim circular). margin for KCC is not there in circular.
Kindly clarify
"As per AGRICULTURE DIVISION CIRCULAR NO. 11/2023 & 49/2022, margin should be 15 % i.e.
LTV of 85% to be maintained."
Reply as on : 08.12.2025, Reference : AGRICULTURE DIVISION CIRCULAR NO. 11/2023 & 49/2022

Product: PNB Swarnim-Agriculture Gold Loan

1. "According to the pnb swarnim gold loan scheme, one customer is eligible for gold loan upto
rs 10 lakhs, but the circular says the gold loans where the sanctioned amount is less than 3
lakh rupees, the loan can be done on undertaking basis, but when the loan is more than 3 lakh
rupees, a proof of agricultural land record is to be [Link] clarify whether the land record
is to be taken in case of total gold loan exposure exceeding 3 lakh rupees or in case of single
gold loan account exposure."
"If the exposure in gold loan exceeds Rs. 3.00 lakh whether a single loan or more than one loans proof
 of agriculture land to be obtained."
Reply as on : 08.12.2025, Reference : .

Product: PNBKSS

1. "Can we lend more than once to the same borrower under PNB Krishak Sathi Scheme
(PNBKSS)"
NO. The help under PNBKSS is available to farmers only on the condition that they do not create fresh
debts with moneylenders. Please refer to PSFIDPRIORITY SECTOR CIRCULAR NO. 28-2020.
Reply as on : 08.12.2025, Reference : PSFID/PRIORITY SECTOR /CIRCULAR NO. 28-2020.

Product: Poultry

1. "IS WORKING CAPITAL LOAN TO LAYER POULTRY FARM CONSIDERED UNDER FOOD AND
AGRO PROCESSING UNIT."
"NO. It is an allied agriculture [Link] refer to Agriculture Division Cir. No. 55-2022
ANNEXURE- III, page no. 39-40, for Indicative list of Permissible Activities under Food Processing
Sector as shared by Ministry of Food Processing Industries (
Reply as on : 08.12.2025, Reference : Agriculture Division Cir. No. 55/2022
2. Kindly guide me, can we take commercial property as collateral for agriculture poultry loan.
"Yes, any SARFAESI compliant immovable property can be taken as collateral security for agriculture
loans. Please refer to AGRICULTURE DIVISION CIRCULAR NO. 02-2022, dated 13.01.2022."
Reply as on : 08.12.2025, Reference : AGRICULTURE DIVISION CIRCULAR NO. 02-2022

Product: Rural Godown

1. There is proposal of Rural godown at PLP who will process the proposal either Agriculture
officer or MSME Processing officer.
As per MPD circular no. 08/2020, proposals under Rural Godown Scheme to be dealt by PLP MSME
segment. Refer CIRCULAR NO. MPD 082020 [Link]. 65.
Reply as on : 08.12.2025, Reference : MPD circular no. 08/2020

Product: Security in KCC accounts

1. What is the collateral security for KCC Loans for crops upto Rs 2 lakhs Please quote the
circular No.
Refer agriculture div cir 36/2025 where in it is mentioned that only Hypothecation of crops andor
assets created out of Bank loan will do.
Reply as on : 08.12.2025, Reference : Agriculture Div. Cir. 36/2025

Product: Self Helf Group

1. Dear Sir, New SHG CCL accounts open through Lens in CCOTH scheme code, but in case of
Agri. related SHG CCL, can we convert these account to CCAGR accounts.
Yes, SHG Scheme code can be changed at field level as per activity of the SHG.
Reply as on : 08.12.2025, Reference : Agriculture Div. Cir. 35/2019, AGRICULTURE DIVISION
CIRCULAR NO. 4/2022 & 35/2022"
2. Sir, Is it mandatory to renew SHG CCL loans through Lens? In Lens renewal channel, it doesn't
sanction less than 6 lakh, but many existing CCL limits have less than 1-2 lakhs. So in this
case, how we have to renew?
 As per CRMD Circular No. 26/2023,14/2022 acccounts of Agriculture with scheme codes CCOTH,
CCAKC & CCKGS with limits up to Rs. 25 Crore to be renewed through PNB LenS only. Further, for
handling exceptions a menu RENRELAX has been made available in CBS. T
Reply as on : 08.12.2025, Reference : CRMD Circular No. 26/2023 ,14/2022
3. Is microcredit plan mandatory for 3rd linkage and onwards in SHG loan ?
In case of DAY-NRLM, Yes.
Reply as on : 08.12.2025, Reference : Agriculture Division Circular No. 42/2025 dated 11.04.2025
4. As per cir no PSFID 51/2021 Amendment in common SHG loan application cum appraisal form
treasurer is added in the form. Is President, Secretary and treasurer all three designatories are
mandatory in Credit linkage of SHG or we can process the linkage with president and secretory
only and no treasurer.
As per bye laws of SHG authorized signatories may be president and secretory only or all the three.
Please check the bye laws and resolutions of SHG.
Reply as on : 08.12.2025, Reference : Agriculture Division Circular No. 42/2025 dated 11.04.2025

Product: SHG

1. Can SHG have less than 5 members ?

The size of the SHG should be between 10 to 20 persons. However, in case of special SHGs, i.e., in
difficult areas -hilly tracks/regions, groups formed in tribal dominated areas where communities are
dispersed and groups with disabled persons, this number
Reply as on : 08.12.2025, Reference : Agriculture Div. Cir. 95/2025
2. Dear Sir,Please guide whether cibil cir charges are to be recovered in CC limit TO Self Help
Group AccountsRegards
For loan upto Rs. 20 lakh : Documentation, Upfront, Processing, Inspection & CIC, Incidental & Ledger
Folio Charges- NIL
Reply as on : 08.12.2025, Reference : Agriculure Division Cir. 95/2025
3. Can we finance Rural Housing Loan under Kisan samriddhi Scheme to a borrower having age
of 75 years.
If the land for which the house related loan is to be given is in the name of spouse, then spouse will be
co-borrower. b) Maximum age limit at the time of sanction of loan may be 60 years. Applicants above
60 years but maximum 65 years may be considered f
Reply as on : 08.12.2025, Reference : Agriculture Division Cir. No. 108/2024
4. "Sir/Madam Is it necessary to take stamp duty in SHG loans or it is exempted"
Stamp duty is under State jurisdiction and can be clarified by the State with the help of the SLBC. In
most of the states, stamp duty on loan documents for the SHGs has been waived. However it needs to
be clarified at the financing state.
Reply as on : 08.12.2025, Reference : .
5. "SirIn a self help group (SHG) account ,can we provide a second linkage with enhancement of
loan amount if still debit balance of first linkage exists in the loan"
"Yes, please refer to Agriculture Division Cir. No. 43/2025, where it is mentioned, In case of need,
additional loan may be sanctioned even though the previous loan is outstanding, based on the
repayment behavior and performance of the SHG."
Reply as on : 08.12.2025, Reference : Agriculture Division Cir. No. 43/2025
6. Can we finance the block level SHG federation under PMFME scheme(An SHG Federation is an
umbrella organization registered under Indian societies act formed by multiple Self-Help
Groups (SHGs) to enhance their collective capacity and influence. )
 Yes, SHG Federation can be financed. Please refer to Agriculture Division Cir. No. 43-2022 and
PSFIDPRIORITY SECTOR CIRCULAR NO. 59-2020.
Reply as on : 08.12.2025, Reference : Agriculture Division Cir. No. 43-2022 and PSFIDPRIORITY
SECTOR CIRCULAR NO. 59-2020
7. Respected sirmadamKindly advice us whether we need to extract the CIR of all SHG member
for SHG loan upto 10 lacs.
Customer Due Diligence (CDD) of all the members of SHG may beundertaken at the time of credit
linking of [Link] in my opinion due diligence of all the office bearers must be undertaken and CIBIL
must be drawn for all of them to ensure that defaulter memb
Reply as on : 08.12.2025, Reference : Agriculture Div. Cir. 43/2025
8. Sir , Kindly clarify whether SHG can be sanctioned to Men under NRLM, Please guide
Dear Sir,DAY-NRLM promotes affinity-based women Self Help Groups (SHGs). However, only in case
of groups to be formed with persons with disabilities and other specialcategories like elders and
transgenders, DAY-NRLM may have both men and women in the Self
Reply as on : 08.12.2025, Reference : Agriculture division Cir. 42/2025
9. Can we finance SHG loan to a customer whose wife is having NPA Account.
: Defaults by a few members of SHGs and/or their family members should not ordinarily come in the
way of financing SHGs, provided the SHG is not in default. However, the bank loan may not be utilized
by the SHG for financing a defaulter member to the bank
Reply as on : 08.12.2025, Reference : Agriculture division Cir. 43/2025
10. Kindly elaborate documents to be taken in SHG loan
Loan Application Form PNB 1239 to be obtained in addition to execution of other relevant documents
based on activity undertaken. Hypothecation agreement is to be obtained based on activity
undertaken wherever asset is being created out of Bank’s loan.
Reply as on : 08.12.2025, Reference : Agriculture division Cir. 43/2025

Product: Subsidy

1. Sir we want to close agriculture account after claiming subsidy from subsidy reserve head.
Subsidy has already been credited in [Link] guide regarding the process flow of subsidy
credition.
In case of subsidy linked account use menu option [Link] refer to Circular No. ITDCBS05-2019
dated 27.03.2019, Handling Backend Principal Subsidy in Term Loan accounts in [Link] there is no
subsidy linked account debit the subsidy reserve fund head a
Reply as on : 08.12.2025, Reference : Circular No. ITD/CBS - 05/2019 dated 27.03.2019

Product: Takeover

1. "Dear sirIf one customer is availing KCC from PNB ,earlier he was availing KCC from other
bank, Loan sanctioned within 3 months of closure of account with more than 25
enhancementin this case is it treated as Deemed takeover or normal casePlease
clarifyRegards"
"Depends on whether the loan was closed on maturity i.e. as per terms and conditions of original
sanction or in mid term. Please refer to IRMD, L A, Circular no. 185-2022, where it is mentioned In
case of borrower was availing credit facilities from ano
Reply as on : 08.12.2025, Reference : IRMD, L & A, Circular no. 185/2022.
2. "We have to take over a kcc account from ICICI Bank everything thing done Now the charge on
 land can be entered only after clearance from ICICI Bank for that we have to disburse the KCC
to ICICI Bank account of customer mean while what will be the security to bank or bank loan
will be unsecured what are the bank guidelines in KCC accounts kindly guide"
"yes after disbursement Bank will collect all required documents from ICICI bank . after clearance from
ICICI bank our bank will create security . refer IRMD LA 185/2022 for takeover guidelines."
Reply as on : 08.12.2025, Reference : IRMD L&A Cir. No. 185/2022

Topic: Credit and Asset Quality - Credit (General, Review and Monitoring)
Product: Credit (General, Review and Monitoring)

1. Can a customer service associate (BC), currently active with a branch, be sanctioned PM-
Vishwakarma Loan He has applied through PM-Vishwakarma portal in the branch in which he
is Business correspondent and as per my knowledge he is about to serve customer through
his BC point from 8AM to 8PM. As an artisan he can work beyond 8AM-8PM timeline. There
may be other guidelines, so please guide me.
Madamsir, As per FI DIVISION CIR no. 072025 Page no. 1045 CBC to ensure that BC will not
undertake identical works of any other banks or organization within the command area assigned to
him by the Bank, while acting on behalf of Punjab National Bank, i.e.
Reply as on : 06.12.2025, Reference : FI DIVISION CIR no. 07/2025
2. Dear team,we have a proposal where customer has availed digital gold loan as agriculturalist
for 6 lakhs and now he wishes to avail kcc for loan amaount of rs.6 lakhs .these proposal
comes un der gbb or plp kindly guide us through these with circular.
MadamSir the proposal shall be considered under the loaning powers of PLP. Refer LA CIR NO. 40
2025page no. 183183.
Reply as on : 06.12.2025, Reference : LA CIR NO. 40 2025
3. When a partnership firm is approaching to avail any credit facility, Is it mandatory to registered
partnership firm in Registrar of firm
It is to be noted that the Indian Partnership Act provides for the registration of partnership firms.
However, registration is not compulsory. But, an unregistered firm suffers from certain disadvantages,
such as, it cannot sue third parties to enforce a
Reply as on : 06.12.2025, Reference : Partnership Act
4. Can staff clean OD account may be either converted into normal current account or OD-FD
after superannuation and in which menu
Yes, we can convert Staff OD account into normal current account. For more details you may refer
CRMD Cir. No. 01/2024
Reply as on : 06.12.2025, Reference : Staff OD
5. Can a politically Exposed person become a guarantor and whose owned property can be taken
as collateral Please also provide circular number.
There are no restrictions on accepting a politically exposed person as a guarantor or accepting
collateral provided by them. Please refer DPMD circular no 1323.
Reply as on : 06.12.2025, Reference : DPMD circular no 13/23
6. Two partnership account having same partner and same controlling ownership-can be
considered as group concernOne ac enjoying credit facility of 30 lakh sanctioned from
[Link] ac with 10 lakh cc limit be renewed at branch level
Loaning Power of GBB is upto 10 lac in single as well as group exposure. In the present case, since
the group exposure is more than 10 lac, the same should be dealt with at PLP as per Loaning Power
 Chart IRMD LA Cir. No. 402025
Reply as on : 06.12.2025, Reference : IRMD LA 40/2025
7. is pnb 1319 is mandatory to be obtained in case of fresh loans, or its is necessary to be
obtained in case of renewal case only
PNB 1319 is for switchover from penal interest to penal charges is to be executed by all the existing
borrowers eligible for levying of penal charges as per Policy on Penal Charges on [Link] case of
fresh loans, revised documents are to be taken in w
Reply as on : 06.12.2025, Reference : Penal Charges
8. If a loan sanctioned by RAM but amount is upto 10 lakh, then who is the PDCO. kindly guide us
As per IRMD LA Cir. No. 682023, in case of credit facility upto 10 lac and in GBB sanctioned cases,
PDCO shall be Branch Incumbent.
Reply as on : 06.12.2025, Reference : IRMD LA Cir. No. 68/2023
9. one of our customer wants loan to buy solar panels for his rice sheller. Will it be covered under
MSME or agriculture
Loan will be processed under MSME division but the account will be classified under Agri under
Priority Sector.
Reply as on : 06.12.2025, Reference : PSL
10. Dear sir, one of our customer wants loan to buy solar panels for his rice sheller. Will it be
covered under MSME or agricultureAlso guide about circular
Loan will be processed under MSME division but the account will be classified under Agri under
Priority Sector.
Reply as on : 06.12.2025, Reference : RAM
11. From where can we get the functionalities of Exchange of Information (EOI) portal for entering
the details of the accounts sanctioned under Multiple Banking arrangement and Consortium
financing
The portal can be accessed through the URL mentioned in CRMD Cir No. 142025 dated 18.02.2025.
Reply as on : 06.12.2025, Reference : CRMD Cir No. 142025 dated 18.02.2025.
12. KINDLY REFER THE CIRCULAR WHICH HAS SUPERSEDED THE IRMD LA CIRCULAR NO
812025 DATED 30.06.2025.
The Circular is on Interest Rate on Advances which is issued on last day of every [Link]
Circular is ALM IRMD CIRCULAR NO. 162025 dated 31.07.2025- INTEREST RATE ON ADVANCES
Reply as on : 06.12.2025, Reference : ALM- IRMD 16/2025
13. is pnb 1319 mandatory in fresh retail loans i.e. car loan, home loan, personal loan.
PNB 1319 is applicable only in case of renewal of limits. For fresh enhancements, Loan
Documentation has been modified for inclusion of relevant clause for penal charges instead of penal
interest.
Reply as on : 06.12.2025, Reference : PNB 1319
14. For financing TL and CC to manufacturing unit, whether registered rent agreement is required
or notarized for 11 months shall suffice
Registered Lease agreement need to be executed covering total repayment period of loan.
Reply as on : 06.12.2025, Reference : Lease IP
15. Where to find list of Empaneled Due diligence professionals
Due Diligence Professionals are empanelled by Zonal Office. A list of enpanelled professionals may
be taken from ZO.
 Reply as on : 06.12.2025, Reference : NA
16. If cash credit facility sanctioned under power of PLP-RAM during renewal if borrower wants to
reduce the facility (sanction limit after reduction falls under branch power) Who will renew the
limit
The limit should be renewed with reduction by PLP and then transferred to Branch.
Reply as on : 06.12.2025, Reference : NA
17. Is master agreement to be obtained in advance against bank own deposit
Master Agreement is required for all the credit facilities except those credit facilities which are fully
secured by liquid securities (For e.g. DLOD against FDRs of our bank)
Reply as on : 06.12.2025, Reference : IRMD LA 1562020 dated 13.08.2020
18. In a chief manager branch loan documents on behalf of bank to be signed by Branch
incumbent or Loan [Link] circular or policy pertains to this please share
Loan documents can be signed by the Incumbent or any officer of the Branch as entrusted with the
responsibility as per office order.
Reply as on : 06.12.2025, Reference : NA
19. If we are sanctioning a CC, with a property as collateral. Can value of that property be taken
while calculating net worth of the proprietor at the time of processing of the loan.
If the Property is kept as a security, the value should be considered for CR purpose after netting the
loan amount from value of property as already mentioned in the SNW format.
Reply as on : 06.12.2025, Reference : IRMD LA 07/2024
20. Can a branch head sanction a loan against term deposit to his/her daughter
As per LA circular no 402025, no officer or any committee comprising an officer ,as a member shall
sanction any credit facility to his/ her relative. Such a facility should be sanctioned by next higher
sanctioning [Link] in this case the incumbe
Reply as on : 06.12.2025, Reference : IRMD LA 40/2025
21. Kindly guide that who is competent authority to close the lss of branches in circle office in
case circle head is on leave.
The Deputy Circle Head shall be the competent authority for the closure of the LSS. Please refer LA
circular no 40 of 2025,page no 58,5.1 AUTHORITY ON LEAVE OR ON TOUR.
Reply as on : 06.12.2025, Reference : IRMD LA 40/2025
22. Kindly provide guidelines regarding sanctioning and opening of government sponsored
scheme loan account
Generally, there is no distinction between the process of opening a regular loan account and a loan
account under a government-sponsored scheme. However, if the specific scheme prescribes any
additional guidelines or requirements, the same will be duly in
Reply as on : 06.12.2025, Reference : PMEGP
23. Is obtention of due diligence report in the prescribed format as per IRMD LA Circular
No.672024 applicable to proprietorship firm with exposure of above Rs.25.00 crore or any
exemption or shorter due diligence format is applicable to such proprietorship firm
Due Diligence report from professionals is applicable only in case of body corporates. Not applicable
to proprietorships.
Reply as on : 06.12.2025, Reference : Due Diligence Report
24. Under definition of Deemed Takeover, it is mentioned that In case where credit facility has
been repaid by theapplicant borrower as per the terms conditions of the original sanction,
 such creditproposals shall not fall under the purview of Deemed Takeover. (In case of
RevolvingCredit Facility, the date of expiry of last sanction as availed from other bank shall
betreated as date of maturity).In view of the above, kindly clarify in the following 3 cases if the
proposal will be considered as Deemed Takeover or otherwise1. Case I The original CC OD
sanction limit has not been expired yet2. Case II The original CC OD sanction limit has been
expired and also renewal has been done3. Case III The original CC OD sanction limit has been
expired and no renewal has been done yet.
In case of Revolving Credit Facility, the date of expiry of last sanction as availed from other bank
shall be treated as date of maturitycase 1 and 2 Renewal done means sanction validity extended.
Deemed takeover guidelines will be [Link] 3 Limit is
Reply as on : 06.12.2025, Reference : Takeover Guidelines
25. If we takeover CC Limit of Rs. 5.00 Crores from another bank, then can we sanction additional
limit under SCHEME FOR FINANCING AGAINST PHYSICAL WAREHOUSE RECEIPTS (WHR) of
Rs. 7.00 Crores (Total exposure Rs. 12.00 Crores) under CHCAC Power or will it come under
enhacement in working capital limit by more than 25
Takeover guidelines talk about enhancement in working capital limits for deciding on Sanctioning
Authority and not facility wise [Link], only fresh term loans have been mentioned to be
excluded from the purview of enhancement [Link] the ov
Reply as on : 06.12.2025, Reference : Takeover Guidelines
26. can we sanction Fresh Term Loan to borrower under vested power of same sanctioning
authority within 6 month of enhancement of its working capital facility.
The guideline is applicable for enhancement within 6 months of fresh [Link]
Term Loan may be sanctioned within 6 months.
Reply as on : 06.12.2025, Reference : IRMD LA 40/2025
27. Please guide whether electronic bank guarantee can be issued by any branch of any state.
The e-BG lifecycle process has been developed by ITD and implemented across all branches in
[Link] refer MSME Division Circular No. 552024 dated 22-08-2024 regarding the Electronic
Bank Guarantee (e-BG), IRMD LA Cir. No. 1222024 dated 30-09-2024 regar
Reply as on : 06.12.2025, Reference : e-BG
28. How to renew NPA OD PABL
In order to renew any NPA working capital limit, the account must first be upgraded, the limit be
assessed with all required due diligence and then limit be marked in the account through LenS or as
applicable in larger exposures. DP is to be allowed on th
Reply as on : 06.12.2025, Reference : Renewal of Limits
29. What property value should taken for insurance of flat as primary security
Market value from valuation report should consider for taking insurance of property
Reply as on : 06.12.2025, Reference : Insurance of IP
30. If customer requests, are we supposed to share the CIC reports generated for sanctioning of
loan.
A copy of credit information may be shared with the customer upon receipt of written request subject
to payment of charges. The same has also been discussed in IRMD LA Cir. No. 88 by 2025 dated
09-07-2025 at Para 6, Page no. 15 of 22.
Reply as on : 06.12.2025, Reference : IRMD LA 88/2025
31. Can we recall loan amount before it slips to NPA
A credit facility can be recalled before its classification as an NPA. Please refer LA circular no 157 of
 2020.
Reply as on : 06.12.2025, Reference : IRMD LA 157/2020
32. In Charge extension of mortgage, is it mandatory to noting the extension of mortgage in a
fresh page of mortgage register.
Yes noting of charge for extension of EM has to be created on fresh page of mortgage register.
Reply as on : 06.12.2025, Reference : EM Extension- Noting of Charge
33. What is the minimum loan amount to charge in CERSAI portal
After enactment of chapter IV A of SARFAESI Act 2002, registration of security interest for all
movable, immovable and tangible assets charged to the Bank(except vehicle, Agricultural Land, Loan
against Bank Deposit, Government security papers and securit
Reply as on : 06.12.2025, Reference : CERSAI

Topic: Credit and Asset Quality - Credit(Retail)

Product: personal loan

1. we have received a personal loan from a govt employee drawing salary through our bank. He
has furnished personal guarantee of his spouse as security. Kindly clarify in terms of personal
loan circular whether it is mandatory to obtain other employees personal guarantee or any
other third party guarantee can be obtained as security.
sanctioning authority, in any scale, may waive guarantee on merits, in caseof Loan to Confirmed
permanent employees of Central State [Link], havingsalary account with us and salary credited
in account is more than Rs 75000- permonth in last three month
Reply as on : 27.03.2025

Product: car loan

1. In case of car loan to staff if car is of tie up dealer car company viz maruti hyundai etc can staff
avail loan on ex showroom price i.e. nil margin needed under staff loan as per HRDD CIR
9172024 as for general public ex showroom 100finance is done
Asc per HRDD cir 9172024 COMPONENT OF FINANCECost of Vehicle including one time RTO
charges, Road Tax and 1st year Insurance PremiumIn my opinion staff cannot avail loan on ex
showroom price . hence margin is necessary
Reply as on : 31.03.2025
2. one our customer apply for car loan. WHile making eligibility, it is found that tax of whole year
deducted from his february salary, after taking deduction of tax in feb he is not eligible for loan
of rs. 9.00 lac. my query is can we calculate the tax as per whole year i.e. 40000 divided by 12
months as there is no tax deduction in his salary from april to january.
His salary slips must be scrutinized and also it should be analyzed as to why his TDS was not
deducted proportionately round the year. However, if the one time tax deduction is reasonable and
with a valid reason, the proportionate amount for each month ma
Reply as on : 29.03.2025

Product: Case of lesser service

1. As per RAD circular no 952024, point 2 CHCAC and above is empowered to consider case of
lesser service on merit of individual cases and also point 7(v) sanctioning authority may
consider sanction of loan provided 12 months salary slipform 16account statement. Kindly
clearify whether sanctioning authority (scale 2 BH) may sanction loan to a person whose
 service is less than 2 years under their power or the loan will be processed after permission of
CHCAC or will be sanctioned by CHCAC
Loan will be processed by CHCAC (CHCAC and above is empowered to consider case of lesser
service on the merit of individual case.)
Reply as on : 28.03.2025

Product: Demand loan against FDR

1. Demand loan for 12 months was sanctioned against FDR of 12 months. After due date of FDR
loan, FDR was renewed for further period of 12 months. In this whether the demand loan the
against deposit can be extendedrenewed for further period of 12 months by payment of interest
Or the said demand loan has to be closed and a new loan account has to be opened Kindly
clarify
As per IRMD LA circular no 392021 dated 19.02.2021 Page 17 point vii a and b Advance against fixed
deposit should be liquidated on maturity of [Link], in case of renewal of the fixed deposit on
maturity, the advance against the fixed deposit so rene
Reply as on : 29.03.2025

Product: e-OD against fixed deposits

1. Please clarify whether we can renew e-OD against fixed deposits before maturity date or not.
As per circular renewal is not permitted after maturity [Link] Circular RAD 1032023
we can not renew e-OD against fixed deposits before maturity date Circular RAD 1032023
Reply as on : 26.03.2025

Product: Extension of EQM

1. In continuation of reply by STC USER over extension of EQM on already mortgaged property
by legal heirs ,father had taken HL from other branch against mortgage of property and still
loan is in running condition .father died and transferred his all rights to both sons via will
.names has been updated in records .Now both sons approached us for fresh HL (repair and
renovation ) against extension of EQM over same property .can we sanction fresh HL to both
sons .
As discussed and advised.
Reply as on : 29.03.2025

Product: Home loan

1. Suppose an individual is a businessman and also has commercial vehicle in his name. Will we
take EMI of this truck while calculating deduction for Home loan eligibility. Or the principal part
or the interest part of Emi or both.
When calculating home loan eligibility, we consider an applicants existing liabilities, including EMIs on
other loans. In this case, since the commercial vehicle is in the individuals name, the treatment of the
EMI depends on how the vehicle loan is accou
Reply as on : 28.03.2025

Product: Housing loan

1. Housing loan getting takeover from our bank to other bank how much charge need to collect
from customer
 As per IRMD circular 20721 dated 31.12.2021 Page 29, point 10.17 Pre-payment charges @2 of the
pre-paid outstanding amount shall be [Link], no prepayment charges are to be levied in
the following casesMSE BorrowerFloating rate term loan (Non Busi
Reply as on : 29.03.2025

Product: housing loan

1. HOUSING LOAN CLOSED BUT ODHL CONTINUE RUNNING [Link] WE REVIEW OR

RENEW THIS ODHL
As per RABD circular no 572024 dated 29.06.2024 Page 59 point 17 However, Existing top-up
Overdraft facility (sanctioned without reducing DP) can be continued renewed, even after the Home
Loan is paid fully provided the sanctioning authority is satisfied
Reply as on : 29.03.2025
2. A customer was sanctioned HL of Rs.35lacs on 26.09.2023 from IIFL for purchase of plot and
construction. He took disbursement of Rs.20lacs for plot on 30.09.2023 and executed sale deed
on 20.10.2023 with plot value as Rs.5.76lacs(govt guideline). He has now requested housing
loan takeover from PNB under Home loan (Composite scheme) and wishes to start
construction. The present RV of plot is Rs.25.00lacs. PLP has pointed that HL takeover cannot
be done until construction complete. Kindly clarify.
The loan may be taken over for construction purpose subject to the compliance of condition of
completion of construction within 3 years from date of purchase of plot. If the customer does not
complete construction within the remaining period i.e. total o
Reply as on : 29.03.2025

Product: Housing loan

1. Kindly confirm whether, in the case of a proposal of a fresh housing loan for a built house in a
society, the realizable value is considered as 85 or 90 of market value
Separate Guidelines for Flats in this regard have not been stipulated. However, realizable value is
taken as 85 of Market Value of IP.
Reply as on : 28.03.2025

Product: Housing loan proposal

1. We are processing a housing loan proposal no. 5197000006521 in the name of Mr. Dipanjan
Basu and Mrs. Jayati Basu. This is a housing loan for purchase of under construction flat from
Banks Approved builder Ms Signature Global Developers Pvt. Ltd. The Unique ID of the project
is 65362022028. We are not able to fetch the same in lens. Please help us in the matter so we
may proceed further.
Since this needs a technical resolution Kindly take up the matter under escalation matrix of LenS
provided in DBTD circular no 472024 dated 14.08.2024 or mail the issue with details at
lensho@[Link]
Reply as on : 29.03.2025

Product: personal loan

1. Personal loan of a govt. Employee can be sanction by branch office other than where salary is
[Link] Per rad 952024 same is not specified. Kindly clarify
 There is no restriction on sanctioning of loan by any branch other than the branch in which salary is
being credited. However discretion should be based on merits and justification of the case.
Reply as on : 29.03.2025

Product: Personal Loan

1. A customer existing personal loan from another bank now he put balance zero on his personal
loan who availed another bank now he approach new personal loan from our PNB Bank his
salary account also in our PNB [Link] told us that he would not be able to give us no dues
certificate of his old person loan who is availed another bank please tell us can we sanction
new personal loan from our PNB Bank or not
A statement of his previous loan account reflecting zero balance may be taken and held on record.
And based on his credit history and other merits of the case, the loan may be considered to be
sanctioned.
Reply as on : 29.03.2025

Product: pnb sahyog

1. Dear Sir,with reference to Page no 10 of RAD 952024 (PNB SAHYOG), upfront- proc fee for
defence personal is NIL. Is it applicable to all defence personal even if they do not have salary
accounts with PNB If yes, then there is no such option to select defence personal NOT having
salary accounts with PNB in [Link] we proceed with option govt employees not having salary
with us the system is calculating upfront fee which is as per circular should be NIL for defence
[Link] guide
As per guidelines, processing fee is nil for Defence Personnels without any differentiation of holing an
account with us or otherwise. For technical resolution of the query, matter may be taken up under
escalation matrix provided in DBTD circular no 47202
Reply as on : 29.03.2025

Product: PNB SMART HOME LOAN

1. During actual sanction, the Housing Loan sanctioned with interest rate 6.9 ( AS PER SPREAD
on 14.12.2021)with RLLR being 6.5 but currently RLLR is 9 and current spread in Housing loan
for public scheme is -0.80 for PNB Pride customers. Is there any process to reduce the spread
as per current PNB Housing loan scheme for existing home loan customers to retain business
Kindly guide
Kindly refer RAD CIRCULAR NO 402023 PNB SMART HOME [Link] existing Home Loan
accounts sanctioned at least three months before the date of switchover are eligible to convert their
account.b. Account should be standard and regular at the time of approval
Reply as on : 27.03.2025

Product: processing fee and documentation charges

1. In cir no 172023 Of BA RM Division PNB salary saving account scheme, there is discount 50
and 100 (as per CBS scheme code) in processing fee and documentation charges on housing,
car personal loan. Kindly clarify that this discount is available to customer except Bonanza
period
The discount is a permanent feature of the scheme and is not limited to the Bonanza period.
Customers holding PNB Salary Saving Accounts are eligible for this discount even outside the
 Bonanza period.
Reply as on : 27.03.2025

Product: purchase of land under standalone home loan

1. One of our customer took a loan from us purchase of land under standalone home loan in
which one of condition is to built a house with in 18 months but customer deposit the entire
amount and while visiting the property it has been found that no construction done yet and he
wants no dues from us. SHould we levy penal interest on entire amount or not for non
submission of completion
where loan is sanctioned for purchase of plotland in case constructionof the house is not completed
within 3 years from date of first disbursement of theloan or in case the plotland is sold, penal charge at
2 (considering it as noncompliance of terms of s
Reply as on : 27.03.2025

Product: ROOF TOP SOLAR LOAN TO NEW TO OUR BANK CUSTOMER

1. Can we Finance ROOF TOP SOLAR LOAN TO NEW TO OUR BANK CUSTOMER. In Circular six
month statement is required in document required. Kindly Guide us is six month mandatory in
our bank.
Roof Top Solar Loan may be sanctioned to NTB customers and 6 month account statement of any
bank that the customer has maintained account with may be obtained. However, while sanctioning this
loan a saving account is to be mandatorily opened in our Bank
Reply as on : 28.03.2025

Product: SOLAR ROOFTOP TO INDIVIDULAS

1. AFTER HOW MUCH TIME WE CAN CREDIT SUBSIDY IN CASE OF SOLAR ROOFTOP TO
INDIVIDULAS
bank has no liability to claim customer subsidy. Bank has to provide loan account number and other
details to borrowers to lodge at PM Surya Ghar Website. And it is directly credited in loan account
number of customer
Reply as on : 28.03.2025

Product: Sovereign Gold Bond

1. How we convert Sovereign Gold Bond in Dematerialized form to give Demand Loan against
Sovereign Gold Bond
Kindly refer (RAD [Link]. 1002022 Dated 30.08.2022)
Reply as on : 28.03.2025

Product: Staff car Loan

1. Respected sir Madam sir, I jointed pnb on 15052023 as An Agriculture Officer now I want to
take Staff car Loan as on 1 may 2025 can I eligible to take this Loan
Kindly refer HRDD CIRCULAR NO 9172024 All Employees and Officers confirmed in the Bank are
eligible for Vehicle Loan. However, Officers are eligible for Two- Wheeler Loan under the Staff Vehicle
Loan Scheme in probation period also
Reply as on : 28.03.2025
Product: Staff home loan

1. TL TOP against already existing home loan is to be sanctioned to staff of Rs. 50 lakhs under
general public scheme. Kindly guide us about vested sanctioning power under which the
proposal will fall.
For sanctioning of staff loans, officials in various scales shall exercise theirpowers subject to the extent
of loan allowed in various (staff schemespublicschemes) allowed for staff as per scale of official . For
guidelines refer CHAPTER 12 - LOANS TO ST
Reply as on : 27.03.2025
2. Please advise whether housing loan under staff scheme can be availed on the security of
Ready built flat constructed by builder owned singly by Spouse of staff. Further staff and his
spouse will be borrower and co borrower in loan account
here are no restrictions ,Refer pt 9.(m) PURPOSE OF LOAN, Page 10 of HRDD Circular No. 9342024
SCHEME FOR HOUSING LOAN TO STAFF MEMBERS
Reply as on : 27.03.2025

Product: staff Home loan

1. sir,i am from RAM kapurthalawe received a staff Home loan proposal for action [Link] Aug
2023 (almost 1.5 year ago) Sr. Branch Manager sanctioned his own Home loan. now He sent
Proposal for action confirm kindly guide us who is the authority for this proposal action
[Link] this we refer HRMS STAFF LOAN CIRCULER but not clear.
Since the Senior Branch Manager was not authorized to approve his own loan, you should report this
to CircleZonal Office and request guidance on how to regularize the sanction
Reply as on : 27.03.2025

Product: staff housing loan

1. I intend to avail a staff housing loan of 98 [Link], I already availed a HL loan of INR 65
lakhs but it was acquired by government authorities for the Patna Metro project, which
unfortunately resulted in the demolition of my [Link] per staff HL scheme,the maximum
amount that can be availed is 1.2 crores. Based on the previous sanction, my current
availability under the scheme stands at approx 55 lakhs.I seek clarification on whether I might
be eligible to avail the full loan limit.
As per HRDD circular no 93424 page 21 point 22 Substitution of security may be allowed by the
sanctioning authority on merits of individual case such as on medical grounds the house is in
dilapidated condition the house is not suitable as per the status o
Reply as on : 29.03.2025
2. Is the same procedure applicable for staff housing loan where the Original link deedchain deed
is not available or lost.
There is no distinction between staff and public with regard to mortgage guidelines. As such guidelines
will be same for both.
Reply as on : 28.03.2025

Product: Top up term loan in housing loan

1. For TOP UP Term Loan in housing scheme which loan application should be used by field
functionaries because in Loan Application PNB 1054A (R2) purpose for which loan is required
 is not appropriate for TOP UP Term Loan and PNB 2009 is meant for Overdraft Facility. Please
guide us.
As per RABD circular no 572024 dated 29.06.2024 Page 58 point 14 Offer Letter-duly acknowledged
and accepted on the Terms and Conditions of the Sanctionii) Overdraft agreementiii) Term Loan
Agreementiv) Mortgage deed (wherever applicable) for the amount o
Reply as on : 29.03.2025

Product: Vehicle loan

1. whether a earning father with his son (not earning income) as co applicant can take vehicle
loan or purchase of car in his sons name
As per RAD 91 2024 Earning Children are eligible (whether married or unmarried)
Reply as on : 28.03.2025

Product: Waiver of taking guarantee

1. Circular for waiver of taking guarantee of all partners under CHCAC Power. While processing a
car in the name of LLP firm. They provided a resolution for signing the loan documents in the
name of one partner and the loan was sanctioned. But after auditing it is mentioned to take
personal guarantee of all partners
Kindly refer RABD CONSOLIDATED CIRCULAR NO 912024 page no 15 point no 10.3 Incumbents of
Branches headed by Scale IV PLPs Head and above may waive the guarantee collateral security on
merits of each case
Reply as on : 28.03.2025

Product: weather insurance

1. Sir,Kindly guide for weather insurance to be done for under construction building of a project ,
or what under retail loanThanks.
As per Banks guidelines, insurance is to be done on the securitiesassets charged to the Bank.
However, in cases where the security is not charged with the Bank yet, a tripartite agreement is to be
executed.
Reply as on : 29.03.2025

Product: written off accounts

1. Can written off accounts with good cibil score be provided with loan
This is administrative and commercial decision depending on merits of the case
Reply as on : 28.03.2025

Topic: Credit and Asset Quality - MSME and Corporate Credit

Product: Credit and Asset Quality - Credit (General, Review and Monitoring)

1. Credit and Asset Quality - MSME and Corporate Credit

An individual whose work place and residence address is Gurugram has applied for vehicle loan in
Delhi, can we proceed for other state loan in Delhi which is in NCR. Please guide for the same.
Reply as on : 28.02.2025
2. An individual whose work place and residence address is Gurugram has applied for vehicle
loan in Delhi, can we proceed for other state loan in Delhi which is in NCR. Please guide for the
same.
 There is no such restriction in the guidelines. However, kindly note that in case of irregular accounts,
the inspection is to be done on quarterly basis. So sanctioning authority to proceed in the matter
accordingly.
Reply as on : 15.01.2025
3. In case of HUF financing whether CIR, SNW , Passport Undertaking and FRMIS etc. have to be
taken by co-parceners or not. please refer circular if possible
Yes, CIR, SNW of major co-parceners required.
Reply as on : 31.10.2024

Product: Credit and Asset Quality - Credit (MSME and Corporate Credit )

1. Kindly guide us regarding service area of branch for CC limit, and any circular regarding the
[Link] loan proposal has came from around 60 km from branch office and in between that
distance there are many other branches of PNB, Can we consider such proposal or not.
"For Small Medium accounts upto Rs 5.00 cr. Loan proposal may be dealt by that branch office of the
bank, which is near to the factory commercial establishment (e.g. office shop in case of trading
accounts). The Controlling Authority may demarcate the co
Reply as on : 08.01.2024, Reference : LA 157/2020
2. "Is there is any restriction granting CC loan under Mudra Scheme against sale purchase
(WholesaleRetail) of lottery business (physical form). Lottery business is allowed by
government of west bengal and necessary license already [Link] guide with related
circulars and guidelines."
"No guidelines have been observed for the above, however bank restricts granting of loans for
speculative purposes. Further, it is to be ensured that Credit facilities shall be allowed only for the legal
activities."
Reply as on : 06.01.2024
3. If a customer having cash credit under scheme e dealership .customer want to close e
dealership account and open a normal cash credit account . Can it can be done?
The same can be converted after compliance of general guidelines of the bank and further the proper
assessment shall be made with respect to the loan sanctioned to the borrower.
Reply as on : 04.01.2024
4. what should be the maximum repayment for Tl given for cane furniture under mudra?
Kindly refer MSME 34/ 2020, point 11 - Repayment period - the maximum repayment under the
scheme can be 7 years. However, the repayment period for each loan should be analysed based on
the financials information of the case.
Reply as on : 27.12.2023
5. Can we sanction TOD in GST express scheme Kindly guide?
Please refer to LA 44/2023, The Temporary Over drawings (TOD) may be allowed in fund based
secured advances for payment of statutory dues, salaries, wages or any other justifiable debits for
very short period say 2-3 days but not exceeding 7 days (includi
Reply as on : 18.12.2023
6. Do we have to charge commission on claim period also while renewing Bank Guarantee.
Please advise as customer is not willing to pay commission for claim period?
Please refer to LA 78/2023, point 8.2 at page 46 of 120, GUARANTEE COMMISSION
DISCRETIONARY POWERS TO PERMIT RELAXATION IN ILG COMMISSION wherein it is
mentioned as The ILG commission shall be charged up front for the validity period of BG including clai
 Reply as on : 18.12.2023
7. A partnership firm is availing CC limit at ours from past some years, now the firm is
reconstituted and a new partner is added and old partner exited. Kindly guide for renewal of CC
account.
If the constitution of the borrower has changed, then relevant documents have to be obtained for the
same. Also, if the customer has changed constitution of the firm without prior approval of the Bank,
then penalty needs to be charged as per TC of sanctio
Reply as on : 08.12.2023
8. Second legal opinion is required for credit limit above 5 crores or IP valuing above 5
[Link] clarify.
As per extant banks guidelines, two NECs are mandatory to be obtained in case value IP is more than
Rs. 1.00 Crores. One before sanction and another after sanction but before disbursement.
Reply as on : 07.12.2023
9. One of customer has availed MSME Loan under Individual Name , whereas he has availed
GSTN Registration in the firms Name and he is standing Prop in the firm . Now he is not
interested for getting GSTN registration in the personal name and instating us for accepting
this GSTN No in his personal Capacity [Link] guide us on the subject.
"Kindly note that the GST registration has to be in the name of the borrowing entity who has taken
loan. In case the borrower has taken GST registration in some other name, then the same has to be
rectified."
Reply as on : 06.12.2023
10. If a customer requested for transfer of his/her loan account to the another branch of the same
[Link] a loan account be transferred from one branch to the other branch? Please guide
by circular No.
Please refer LA 44/2023, PAGE 64 of 160, point 5.20 TRANSFER OF CREDIT FACILITIES
Reply as on : 04.12.2023, Reference : LA 44/2023
11. If the proprietor dies who has cc limit, can CC limit may be continued in the name of legal
heirs ( assuming all the necessary documents are in order and permission granted) . Or
mandatorily the account to be closed.
If the liability has been assumed by the legal heirs and the business operations are being continued,
there is no need to close the existing cash credit account and the legal heirs (who have assumed the
liability) can operate the same account.
Reply as on : 04.12.2023
12. "sir we have sanctioned a mudra loan of 10 lakh and retail loan of 10 lakh to a borrower. can
we sanction agriculture kcc loan of 10 lakh to same borrower under GBB power of manager
scale 2."
"NO, the same shall be processed through PLP"
Reply as on : 17.10.2023

Product: Credit and Asset Quality - Credit (MSME and Corporate Credit )

1. A party has requested for term loan of Rs 5.50 crore for construction of hotel. Project cost
includes cost of construction of building, purchase of furniture fixtures and purchase of other
equipment (kitchen etc). As per MSME 552023 for MSME Prime Plus, No collateral security is
required for Term Loan portion, in case Primary Security is in the shape of Land or Land
 [Link] clarify whether in present case collateral security is to be obtained for furniture
and equipment portion.
As per the said guidelines, if the primary security is other than Land or Land building, then collateral is
to be obtained.
Reply as on : 31.07.2024, Reference : MSME55/2024
2. Please provide guidelines or circular regarding annual renewal of PABL loan.
Kindly refer MSME332024. All accounts which could not be renewed through Easy Renewal Process
must be renewedmanually as per Banks extant guidelines
Reply as on : 15.07.2024, Reference : MSME33/2024
3. Which circular for interest rate for PC PS is to be refered to?
For Roi you can refer MSME export express scheme and LA422020
Reply as on : 15.07.2024
4. A proposal for TL-PMEGP for Tailoring shop is received. Whether ITR required and Kindly
provide Master Circular for referance
For PMEGP kindly refer MSME 4022
Reply as on : 25.06.2024, Reference : MSME 40 /2022
5. Can we provide capitalized interest and principal moratorium to term loan borrower. If so who
will sanctioning authority for the same.
Same sanctioning authority under whose power accounts falls may allow capitalization of interest
during construction period.
Reply as on : 25.06.2024
6. If a customer is having ra 5 lakhs cc limit and the credit summation during the last financial
year is 3,50,000 roughly. Can we renew this cc limit Please guide with circular.
While renewal of CC account MPBF is to be arrived based on the limit assessment of the customer.
Kindly refer LA 227/2020, LA64/2022 LA 72/2023 for the same. Also note that the credit summations
in the CC account should be in tandem with the sales of th
Reply as on : 06.06.2024
7. In terms of LA Cir No 151/ 23, where the value of immovable property to be mortgaged charged
is Rs. 1 crore above, branches shall take NEC from 2 different advocates on panel, one before
sanction and the 2nd after sanction, but before disbursement to safeguard the interest of the
[Link] clarify whether applicability of TWO NEC report is also required in case of
enhancement where property are already mortgaged with the banks.
Yes, it has to be obtained in case of enhancement.
Reply as on : 03.05.2024
8. A cc account of Rs. 2.5 Crore usually remains in SMA 1, SMA 2, SMA 0 during last 1 year. The
borrower has applied for Enhancement under MSME Prime Plus Scheme. Customer is being
eligible for enhancement. Looking at past SMA Status, Does MSME Prime Plus Scheme allows
Enhancement for such borrower.
As per MSME 55 2023, one of the conditions for eligibility as per the scheme are Existing customers
banking with us for minimum of 2 years enjoying fund based credit facility and the account has not
slipped to category SMA-2 and below in previous 12 month
Reply as on : 01.05.2024, Reference : MSME 55 20223
9. One of our customer is doing business of pineapple trading and his stock of pine apple is
import from south India every week . I want to know that is it required the stock insurance of
pineapple as this is perishable item.
 There is no restriction but ensure to cover this exposure adequately with collateral security.
Reply as on : 29.04.2024
10. If market value of an IP is 10 times higher than circle rate or guideline rate and valuer provides
online properties site priceing to support it. Can we accept this higher valuation or is there
any guideline of no. of times market value can be higher than guideline rate.
Please refer LA 24 2024, That the valuer shall indicate how the value has been arrived at
dulysupported by necessary calculations and furnish market value as wellas realizable value. In case
of difference in the market value and circlerate as applicable i
Reply as on : 09.04.2024
11. Counter Guarantee or Counter Indemnity are same or there is any difference.
Both counter guarantee and counter indemnity provide additional assurance or security in financial
transactions, they differ in their mechanisms and the specific types of risks they address. A counter
guarantee acts as a backup guarantee supporting anothe
Reply as on : 04.04.2024
12. A CC limit is expiring today after first review. Can we renew cum enhance the account after
expiry. or we have to renew the limit first and then enhance?
The enhancement proposal can be considered along with renewal proposal. However, limit should be
active in the account.
Reply as on : 29.02.2024
13. What is the duty of MCC, if any account above 1 crore is given to him, issuance of bank
guarantee is duty of GBB or MCC , if party is above 1crore?
Please refer MPD cir 09 2020 on Credit delivery structure of Bank MID Corporate Centre (MCC), 27
2021 on Mid Corporate Centre (MCC) Roles Responsibilities for duties at MCC. For issuance of ILG
Branches should be allowed for issuance of ILG up to Rs 25
Reply as on : 27.02.2024, Reference : MPD 09 /2020
14. One customer approached branch for PMEGP loan for financing for vehicle for employment
but he his having existing loan in branch under NRLM swarojgar scheme so question is
whether he is eligible for PMEGP loan as per guidelines as his existing loan also comes under
government [Link] guide.
As per the case described the borrower is already employed and also not generating employment
further. If he has already availed subsidy under Govt. scheme for employment then he should not be
eligible for another subsidy under Govt. scheme for employment
Reply as on : 17.02.2024
15. As per MSME 57 2021 financing under PNB Transport Scheme, the requirement of collateral
security is either 50 in the shape of immovable property eligible liquid security from the
borrower or Credit Guarantee Coverage under CGTMSE/ CGSSI for the entire exposure. Kindly
confirm wheather Hybrid CGTMSE is applicable for PNB Transport Scheme.
No. As per the said scheme guidelines, Credit Guarantee Coverage under CGTMSE/ CGSSI for the
entire exposure to be obtained.
Reply as on : 05.02.2024, Reference : MSME 57/2021
16. CGPAN customer list was previously available in Knowledge Repository but couldnt be found
there. Please provide the navigation for the same in Knowledge Center.
E-Circulars-- Divisionwise circular-- MSME Mid Corporate Division-- Special links.
Reply as on : 03.02.2024
17. An account was collaterally secured by IP FD as per last sanction. Now the same account has
 to be renewed but We have observed as per title deed, IP is land lock but valuer and advocate
has given wrong report. Please clarify following: - 1. Can we renew the limit with security
dilution who will be sanctioning authority since Borrower unable to provide any additional
security 2. What should one do when valuation and search report both does not match with
details of title deed .
1. In case of substitution or release of collateral security, please refer point 5.18 of LA 44 2023 for
detailed guidelines and competent authority. 2. If difference exists in valuation report and search
report with that of title deed, please raise the c
Reply as on : 02.02.2024
18. Is another documentation is required if amendment in terms and conditions for extension of
door to door tenor for 03 months. Pl. guide.
"If there are material changes in terms conditions or type of facility then fresh documents shall be got
executed."
Reply as on : 29.01.2024
19. Is the CHCAC had the power for issuance of BG against JVSPVPrincipal Contractor where the
borrower applying for BG should have meaningful participation in JV SPV i.e. at least 51 share
in JV SPV as per LA Cir 78/2023
"As per compliance of LA 78 2023 regarding issuance of BG for JV, the sanctioning authority
empowered for the same."
Reply as on : 24.01.2024
20. "As per LA 44'2023 loaning power, in the page no. 63 of 160 regarding substitutionrelease of
IP it is mentioned thata) The realizable value of proposed IP (Land Building) as per latest
valuation report shall be reckoned for computing security coverage. Here what does
proposed IP means (which is to be released or which will remain with us). Kindly guide."
"In our view, both the IPs whether the IP which is proposed to be substituted and the proposed IP
which is to be taken, valuation of the both the IPs shall be obtained afresh and based on the same,
the authority shall take the view on merit."
Reply as on : 24.01.2024
21. can we consider gst express for exmpted gst category goods
"All types of sales as reported in the GST return of the borrower shall be taken into consideration for
the same."
Reply as on : 20.01.2024
22. "Can we obtain balance in PPF account as collateral security in CC account "
"No. You may refer GBD872019, page 9 - point 12 - PROTECTION OF CREDIT BALANCE FROM
ATTACHMENT."
Reply as on : 16.01.2024
23. "One fund based limit was sanctioned to the proprietorship firm in the month of dec 2023
under Sampatti [Link] same borrower has approached us for non fund based limit in the
form of Bank Guarantee now in the month of Jan 2024Shall it be treated as fresh loan or
[Link] guide us."
"If the assessment of limit done earlier is for fund based limit and now the borrower is applying for
non fund based limit which is seperate limit, hence it shall be termed as fresh non fund based limit,
however, assessment of limit shall also be seen as
Reply as on : 16.01.2024
Product: Credit and Asset Quality - Credit MSME and Corporate Credit

1. Kindly apprise us the circular regarding the sanction authority of moratorium period in term
loan beyond 12 months?
Kindly refer Credit Policy LA 53/23, Page No [Link] period of the loan should be fixed keeping in
view the cash generation capacity of the borrower. Moratorium may be allowed during the
implementation period and or for the period where cash inflows from
Reply as on : 28.11.2023, Reference : LA 53/2023
2. Please clarify In fresh cases, sanctioned under MSME Prime Plus scheme, if the minimum
collateral security is not taken, whether the disbursement should be made without obtaining
the minimum stipulated collateral security in the scheme or without obtaining CGTMSE cover.
Whether allowing time for security perfection, in such cases, can be permitted by the
sanctioning authority, below HOCAC II?
Since it is reference to change in policy guidelines, the same shall be placed to HOCAC-II for
approval.
Reply as on : 24.11.2023
3. what is the circular for charging of the processing fee at time of acceptance of sanction?
Please refer to LA 207/21 for credit related service charges guidelines.
Reply as on : 23.11.2023, Reference : LA 207/2021
4. If an immovable property is in joint names of three persons and one of them is minor then can
the property be mortgaged If mortgage is possible then can we take guarantee of the minor?
In cases where a minor has share in the propertyies proposed to be mortgaged to the bank, then such
propertyies should not be taken as Mortgage, unless consentedpermission of Court obtained and
produced. Minors share, even though excluded, will pose legal
Reply as on : 21.11.2023, Reference : LA 90/2021
5. Can we consider CC facility under MSME Prime Plus scheme with CGTMSE coverage alone ?
Yes, the same may be considered as per policy. Kindly refer MSME 55/2023, page 14, point e. for
CGTMSE coverage.
Reply as on : 18.11.2023, Reference : MSME 55/2023
6. Can we finance Mudra Loan to a Society.
As per scheme guidelines, any legal entity with MSE registration can be financed under MUDRA for
business purpose.
Reply as on : 28.10.2023
7. "Wether processing charges is applicable for advance against lic policy"
"As per LA 207/2021, No processing charges are to be levied in following cases No processing fee
shall be levied for borrowers who have been issued Kisan Credit Card against the securityof FDR,
NSCs, KVPs or other such liquid securities."
Reply as on : 25.10.2023, Reference : LA 207/2021
8. "As per LA 282022 in which the MCC-CAC consist of Members as CPC head, CMC head and
Relationship manager. However in case of Fresh sanction relationship manager is decided
after the sanction of loan. Kindly guide."
"Please refer LA cir 44/ 2023, page 132/160. However, MCC head can through office order decides
RM in fresh cases also."
Reply as on : 25.10.2023, Reference : LA 44/2023
9. "Sir, This is to required clarification about that one firm is enjoying credit facility in shape of
 CC limit of Rs. 15.00 lakh and his financials is not appropriate for renew this limit, now
borrower required that some amount of CC limit is to be converted under shape of WCTL as he
wants to repay the loan, if is it possible to restructurereschedule the account without any
strong reason as just borrower not route business transaction and there are nothing any
calamity or health loss to borrower."
"FRR committee need to be formed and after getting Resolution plan approved by the committee,
sanctioning authority may reschedulerestructure the account. Refer LA 175/22."
Reply as on : 25.10.2023, Reference : LA 175/2022
10. "TL sanctioned by PLP against security of Machinery purchased out of TL. The loan also
collaterally secured by pledge of NSC. As per Post Disbursement condition on maturity of
NSC pledged maturity proceeds to be adjusted against outstanding term loan as when they
are [Link] borrower approached us with request to release the NSC due and he would
replace with another NSC keeping in tact the Deposit Maturity value as per sanction. Whether
terms condition can be changed and whos power."
"Since the nature and quantum of security is not being diluted, the respective sanctioning authority
can take a call on this."
Reply as on : 20.10.2023
11. "what is the roles and responsibility of Recommending and sanctioning authority"
"Please go through staff accountability policy in which it is clearly mentioned what aspects have to be
looked into by recommending authority and what by sanctioning authority. We can not reply in detail
here as this utility is for specific queries."
Reply as on : 18.10.2023
12. "Please tell me documents required for renewal of mudra CC GCC accounts and erenewal
process in Lens."
"Documents to be taken for renewal of limit are income proofs like ITR, BS PL etc. as per applicability
and other relevant documents required for verifying the current activity of the borrower and also for
repaying capacity of the loan. For erenewal in L
Reply as on : 17.10.2023, Reference : LA 48/2023
13. "Do we have to charge mortgage creation charge each time at the time of enhancement of
limit, if property already mortgaged with our bank"
"Yes, the same has to be charged each time."
Reply as on : 12.10.2023
14. "IN PM SVANIDHI ACCOUNT DOCUMENTATION IS PNB 2057 IS NOT NECESSARY TO BE
OBTAINED OR WE HAVE TO OBTAIN ALONG WITH STAMP PAPER AS PER MASTER
AGREEMENT CIRCULAR ITS ESSENTIAL TO BE OBTAINEDED IN ALL ADAVNCES EXCEPT
ADVANCE AGAINST DEPOSITS."
"Yes, it is to be obtained as no such exemption is observed in any bank guidelines."
Reply as on : 14.09.2023
15. To finance the Cash credit scheme to rented shopbusiness premises is it mandatory to obtain
registered lease deed. Or can we consider the unregistered executed for 11 months. Please
guide and provide the reference.
While financing a business unit, the bank has to ensure that the borrower is in a position to run his
unit without any interruptions from the location it proposes to run his unit. You have to satisfy yourself
that the rental leased arrangement between lan
Reply as on : 04.09.2023
16. "Can borrower change his quotation of machinery purchase after sanction of loan and before
disbursment with completely different amount ?
"It is for the sanctioning authority to assess whether the change in machinery supplier cost is justified
or not. If the sanctioning authority is satisfied, it can amend the sanction accordingly."
Reply as on : 04.09.2023
17. Can we consider the unsecured loan received by a Pvt. Ltd. company from grouprelated
companies and firms as quasi equity maximum upto the Paid up capitalNetworth of the
company or only unsecured loan received from friend, relatives, directors to be considered as
quasi equity. Kindly clarify.
These loans may also be treated as quasi equity if remained in business on continuous basis. subject
to the condition that these loans shall not be withdrawn during the currency of the loan and shall be
subordinate to bank borrowings. An undertaking to th
Reply as on : 21.08.2023, Reference : LA 227/2020
18. Who is the competent authority to clear PDC of Adhoc facility of Rs.10.00 Lacs sanctioned by
PLP. The existing CC limit is Rs.80.00 Lacs. With Adhoc the proposed facility shall be
Rs.90.00 Lacs.
Please refer LA 682023, PDC shall be cleared by any officer in scale-III and above at PLP not
involved in the credit appraisal and sanction of respective proposal.
Reply as on : 18.08.2023, Reference : LA 68/2023
19. Can we take mortgage of Special Economic Zone(SEZ) IN PNB OD SAMPATTI SCHEME OF
MSME DIVISION.
If the lease deed permits mortgaging land same may be considered. All other guidelines related to
scheme shall be adhered to. Legal report regarding this shall be obatained from banks approved
advocate and accordingly decision may be taken.
Reply as on : 07.08.2023
20. Whether a company can be proprietary owner in another firm
No, a company cannot be a proprietor of any firm. A company, by definition, is a legal entity that is
separate from its owners. It is owned by shareholders and managed by directors or officers. A
proprietor, on the other hand, refers to an individual who
Reply as on : 06.08.2023
21. Whether the guidelines contained in LA circular regarding obtaining two legal search reports
in case of IPs having RV of more than 1 crore are applicable in case of fresh properties to be
mortgaged or applicable in case of enhancement extension of charge in existing IPs also.
It is applicable in all the cases whether fresh IP is mortgaged in fresh loan account or in case of
existing IP in case of enhancement.
Reply as on : 05.08.2023
22. A borrower requested for CC limit under Mudra scheme. Borrower is govt contractor having
government work order copies. Kindly guide us whether the proposal can be done under
branch power and there is no stock available.
If the CC limit is proposed against hypothecation of Bookdebts only, then the proposal falls under the
powers of PLP-CAC.
Reply as on : 05.08.2023
23. While financing term loan for purchase of machineries, do we consider GST amount also
Please site circular
In this case, if the borrower is clamming GST as input tax credit then COP shall be value of
 machinery excluding GST component and margin shall be calculated accordingly. Further, if the
borrower is not claiming GST then it shall be capitalised and then m
Reply as on : 05.08.2023
24. In PNB Satkaar Scheme if loan is being granted for construction of Banquet, Is additional
collateral security required when value of Primary Security (Land and Estimated cost of
proposed building) is more than 135 of proposed Term Loan which will fulfill the 40 criteria of
collateral required
Estimated cost of construction is not taken while determining collateral security. as per IRMD LA
circular No 2302020 dated 24.12.2020, the surplus value of land Building which are kept as primary
security can be considered as collateral security after s
Reply as on : 04.08.2023, Reference : LA 230/2020
25. On borrower is sanctioned Housing Loan for construction of House on his own land and the
house is under construction. Now the same borrower approached for one MSME loan against
the value of the above Land (Value of Land is Rs.69.00 Lakh,. HL is Rs.45.00 Lakh RV of
House upon construction is Rs.123.00 Lakh) As on date disbursed amount is Rs.10.00 Lakh
and requesting MSME loan of Rs.70.00 Lakh. Please guide.
As per IRMD LA circular No 230/2020 dated 24.12.2020, the surplus value of land Building which are
kept as primary security can be considered as collateral security after securing our exposure to the
borrower provided the process of asset creation is com
Reply as on : 03.08.2023, Reference : LA 230/2020
26. As per MSME DIVISION CIRCULAR NO. 582021 Eligibility for contractor schemeAll Registered
Contractors undertaking works on behalf of Central State Government DepartmentPWD Public
Sector Undertakings and Reputed Corporate [Link] have a proposal in the name of OMM MAA
TRNSPORT undertaking works on behalf of ANS Constructions [Link].,
CINU45202DL2002PTC115098can we finance the proposal under PNB CONTRACTOR
SCHEME considering ANS Constructions [Link] as a reputed corporate.
The four MSME schemes have been consolidated with the necessary updation to make our MSME
scheme more competitive and acceptable in the market andthe same has been approved from the
competent authority with the name MSMEPRIME PLUS. It includes PNB Contrac
Reply as on : 01.08.2023
27. Whether loan documents can be executed with left hand in case right hand is injured
Yes, Generally, the borrowersother executants put their signatures using the right hand. If, however,
a borrowerother executants signs in left hand, a note should be annexed toa narration to the effect
may be given on the documents recording that borrower
Reply as on : 01.08.2023
28. Who will be the PDCO at PLP for credit facilities sanctioned by PLPCAC... Please mention
circular no..
PDC shall be cleared by any officer in scale-III and above at PLP not involved in the credit appraisal
and sanction of respective proposal.” Refer LA 68/23
Reply as on : 20.07.2023, Reference : LA 68/2023
29. Sir, As per Cir. LA 63/2022 Dt.04.05.2022, For working capital loan Above Rs. 5.00 Lakh to Rs.
10.00 Lakh- Unified processing fee @0.50% should be charge and there is a remark that
"Expenses other than upfront fee (i.e CIC/CERSAI/Insurance etc.) shall be borne by the
Borrower." Please clarify that if we have recovered unified processing fee for CC Limit loan
from Rs. 5.00 Lakh to 10.00 Lakh @.50% then we have to also recover commercial CIBIL and
consumer CIBIL charges separately or not.
 Please refer LA 207/2021, Unified Processing Fee includes all type of charges (i.e.
CIC/CERSAI/Inspection/ Documentation/ NEC/ Valuation etc.). However Insurance/ State specific
Stamp Duty charges on actual basis shall be borne by the borrower.
Reply as on : 19.07.2023, Reference : LA 207/2021
30. Can we enhance any loan within 6 months of renewal of the limit?
Yes, the same can be enhanced based on merit. However, the LA 44/2023 prescribes the power for
enhancement within 6 months of fresh sanction/enhancement under genuine cases after obtainment
of proper justification.
Reply as on : 19.07.2023, Reference : LA 44/2023
31. Please give reference of circulars regarding channel financing in case of MSME loans.
"Channel financing is a mechanism through which credit requirements specially WC requirements of
dealers/vendors of large anchor entities are met. our bank have various schemes under channel
financing like e-dealer scheme for IOCL dealers, PNB Business Ex
Reply as on : 19.07.2023, Reference : MSME 31/2021
32. As per NPLL guidelines of RBI, for calculation of incremental funds the ASCL as on reference
date is considered as the base value. If ASCL as on reference date for a company is more
than the ASCL as on date and company has raised incremental funds from banking system
but ASCL post sanction of incremental fund is still less than ASCL as on reference date than
on which value additional provision will be calculated.
Please refer LA cir 03/2023 FRAMEWORK ON ENHANCING CREDIT SUPPLY FOR LARGE
BORROWERS THROUGH MARKET MECHANISM for detailed guidelines on NPLL
Reply as on : 19.07.2023, Reference : LA 03/2023
33. Earlier some accounts were covered under MUDRA guarantee and subsequently these
accounts were to be covered under CGTMSE. However, some of the mudra accounts were in
SMA-2 or were restructured due to COVID19 pandemic. Please guide will these accounts be
covered by CGTMSE?. As per CGTMSE guidelines MLIs can now apply for guarantee cover
anytime during the tenure of Loan provided the credit facility was not restructured / remained
in SMA2 status in last 1 year from the date of submission of app.
If remained under SMA2 during last 1 year, then the same can not be covered under CGTMSE.
Kindly refer MSME04/2022, page 12.
Reply as on : 18.07.2023, Reference : MSME 04/2022
34. Sir, We have sanctioned 5.00 lakh PMEGP loan and received subsidy 1.50 lakh. So CGTMSE
coverage will take for 5.00 lakh or 3.50 lakh. Pls guide us.
CGTMSE coverage is taken on full loan amount.
Reply as on : 18.07.2023
35. if the proprietor has expired, whether new account has to be opened with new proprietor or
eralier ones can be carried forward. and what documentation has to be obtained. which cir
guides about the same.
If the proprietor dies then the firm needs to be reformed. Immediately transactions in the account
shall be stopped to avoid clayton's rule. A fresh loan shall be sanctioned with fresh loan
documentation.
Reply as on : 18.07.2023
36. CC facility of Rs. 80.00 Lac is to be taken over with enhancement of Rs. 20.00 Lac. Party is
also requested for LC facility of Rs. 50.00 Lac. Can we sanction fresh LC limit of Rs. 50.00 Lac
with enhancement of Rs. 20.00 Lac in CC. Kindly guide.
 Yes, however norms (loaning powers) of more than 25% enhancement in WC limit shall apply as per
la 185/22
Reply as on : 17.07.2023, Reference : LA 185/2022
37. For credit appraisal, we have obtained Provisional balance sheet dated 31.03.2023 and
30.06.2023. Do we need to obtain provisional balance sheet duly CA certified with UDIN
number or only borrower's sign are enough without any CA certification.
Provisional balance sheet need to be self certified only. Kindly refer LA 172/22, Obtention of
Financials.
Reply as on : 17.07.2023, Reference : LA 172/2022
38. As per L & A Circular Number 44/23, ZOCAC can provide concession in BG commission @
50% of applicable charges up to the sanction of CHCAC, However as per MSME L & A Circular
Number 44/23(Prime plus) maximum concession in BG commission is 25%, Kindly guide is
concession of 50% in BG commission by ZOCAC in applicable card rate can be given under
the account covered under MSME prime plus scheme or concession of 50% is only applicable
in the account which are not covered under MSM Prime plus scheme.
As per MSME prime plus scheme, the concession prescribed therein is as per the scheme, and if the
borrower requests to further concession in the account, the same shall be considered on merit as per
extant guidelines of the bank.
Reply as on : 14.07.2023
39. if a person is availing mudra facility of Rs. 10.00 Lakhs in other bank and now wants to close
the facility from own funds and requested for sanction of OD- Sampatti facility of Rs. 50.00
Lakhs then who will be sanctioning authority??
Takeover guidelines shall be followed till 3 months as it will be treated as Deemed takeover. LA
185/22.
Reply as on : 03.07.2023, Reference : LA 185/2022
40. As per LA 227/2020 unsecured loans from directors/relatives to the extent of 100% of TNW
can be considered as quasi equity for private limited companies for assessment. Whereas as
per IRMD 32/2021 (Faq) unsecured loans from directors/relatives to the extent of only 100% of
paidup capital (excluding reserves) are to be considered as quasi equity. The same is
contradictory to the LA 227/2020. The same is creating a confusion and leading to ambiguity
in credit decisions. Kindly clarify.
LA 227/20 is related to MPBF and IRMD 32/21 is related to risk rating. Accordingly, circulars may be
referred. The treatment of USL for the purpose of credit appraisal/MPBF shall be as per LA 227/20
Reply as on : 01.07.2023, Reference : LA 227/2020
41. CAN WE TAKE GUARANTOR WHOSE NET WORTH IS BELOW THE LOAN AMT AND
WHETHER ASSET PROOF IS REQUIRED
Refer LA 24/22, also refer la 46/22 Branches shall take steps to obtain personal guarantee with
maximum cap of 2-3 times of net worth and the same shall be declared at the time of
executing/obtaining the guarantee
Reply as on : 01.07.2023, Reference : LA 24/ 2022
42. Under PNB Sampatti Scheme, We can consider immovable property having Vacant Plot with
boundary wall only. Please clarify.
No, the same is not eligible. Only contructed IPs are eligible. Refer LA 132/2020.
Reply as on : 27.06.2023, Reference : LA 132/2020
43. At the time of renewal of CC limit sanctioned under e-dealership of IOCL, cooperate opinion
letter is required? or it should be taken at fresh sanction only.
 No, it is required at the time of fresh sanction only.
Reply as on : 27.06.2023

Product: Credit and Asset Quality - MSME and Corporate Credit

1. Can we finance CC limit to a Factory located 70 km away from branch in different city. What is
the guideline for command area for MSME Loan.
Command area guideline is applicable for Agri loan, we can finance the factory but there should be at
least one local office of the firm in the city of branch processing the loan
Reply as on : 15.06.2025
2. Whether Counter Guarantee Agreement is still required incase of BG against 100 Cash margin
Please guide with reference to circular.
Please refer Chapter 2 Para 10 of LA Circular 1222024 wherein it is mentioned that counter indemnity
may be dispensed with in case of 100 cash margin subject to taking a letter authorizing the bank to
appropriate the amount of security in the event of bre
Reply as on : 15.06.2025
3. Dear sir madamI have a query that can we provide Mudra Loan Loan to Jewellary Shop
Engaged in Trading Activities.
No, kindly refer LA 123 2024.
Reply as on : 15.06.2025
4. How can we download sanction letter of E-GST loan
URL [Link].in9443pnbgstexplogin. User ID- Employee ID Password- admin@123 (to be
changed after first login).
Reply as on : 30.05.2025
5. In MSME Prime Plus scheme if the Term loan for construction of building then No collateral is
required if the primary security is in the form of land and Building. In such case whether
collateral coverage for arriving ROI shall be taken as 0 or [Link] clarify
Collateral coverage shall be taken as 0 in this case.
Reply as on : 17.05.2025
6. Whether officer credit scale 1 can be work as assessment officer in mcc
Officer will work as per office order issued by the branch head
Reply as on : 17.05.2025
7. A borrower has CC limit of 2 crores now, he wants to convert his CC limit to Term Loan , kindly
guide is there any scheme under which it can be done
Conversion from CC to TL is possible in case of restructuring of loan account only. Moreover
possibilities may be explored for covering the account under PNB Sampatti scheme and reducing
overdraft may be provided if possible.
Reply as on : 15.03.2025
8. Can we renew PABL OD account as it is digitally opened
Renewal or enhancement of all accounts under the scheme must be carried out through the digital
process. If digital renewal is not feasible, branches should convert the digital loan scheme code (e.g.,
ODPBL) to a non-digital scheme code (e.g., ODSEV, ODGE
Reply as on : 15.01.2025, Reference : MSME83/2024
9. In terms of MSME cir 662024 PNB Sampatti Scheme, para 5-In eligibility, one of the purpose of
loan is to repay debts (i.e. Business Loans of other BanksFIs).It means scheme specifically
 mentions disbursement to other [Link] the above case, if the loan is sanctioned to repay
debts of other banks, will it be governed by Takeover norms or the same will be exempted
If the Loan is to be sanctioned independently with a separate security, takeover norms shall not be
applicable. In other cases, clause 39 of the scheme shall apply.
Reply as on : 15.10.2024
10. Do branches have to obtain fresh documentation on reduction of CCOD limit
No need for the same. However, BCL should be obtained held on record.
Reply as on : 20.09.2024
11. AS per power chart, The power for enhancement within 6 months of fresh
sanctionenhancement shall be done by ZOCAC for loan up to the power of [Link] of the
borrower has got enhancement and now within 2 months applied for Fresh term loan for
purchase of [Link] inform us whether sanction of fresh term loan falls within
purview of enhancement
Yes, on merit the case, concerned sanctioning authority can sanction the same. Further, as the
enhancement within 6 month guidelines refer to Enhancement in working capital limits only.
Reply as on : 31.08.2024, Reference : LA50/2024

Topic: Credit and Asset Quality - SASTRA and Law

Product: Advocate Fees

1. Whether fee to advocate in criminal matter such as criminal complaints including complaint
under 138 of NI Act is paid in single shot or in stages
In suits/OA, fees be paid to the advocate in stages. For details refer law division circular no 05/2025,
SCHEDULE OF FEES OF ADVOCATES & OTHER GUIDELINES
Reply as on : 29.11.2025, Reference : Law division circular no 05/2025

Product: ASSET CLASS

1. What is the menu option for knowing present asset classification , Reason of NPA, Date of
NPA, Date of DB1, II & III/loss RI, DI, Subsidy postion, provision
Use menu option NPACBAL
Reply as on : 29.11.2025, Reference : Sastra Division cir no 43/2022

Product: Auction

1. What is procedure for gold auction and delegated Power?

Guidelines for sale of pledged gold is available in RBD(A) Circular No. 100/2022
Reply as on : 29.11.2025, Reference : RBD(A) 100/2022

Product: BC AGENT RECOVERY COMMISSION

1. What is the Commission for recovery by BC Agents ?

Please refer PT 2.5 Commission Payable to CBCs for onward Payment to BC Agents
Reply as on : 29.11.2025, Reference : SASTRA Division Circular No. 26/2024

Product: CGTMSE

1. Kindly guide about the second installment of CGTMSE to be received in NPA accounts. What
procedure to be followed to get this second installment in NPA accounts."
 The settlement of second final instalment will be considered on conclusion of recovery,irrespective of
the sanction date of the credit facility. With regards to conclusion of recovery proceedings, following
four scenarios as applicable and certified by t
Reply as on : 29.11.2025, Reference : MSME DIVISION CIRCULAR NO 042022

Product: CHARGES

1. Which expenditure head to be debited for Publication expenses for SARFAESI, DRT.
The expenses incurred for publication under SARFAESI Act should be debited to the the head “Law
charges” and should be recorded in memoranda dues for record .
Reply as on : 29.11.2025, Reference : SASTRA DIVISION CIRCULAR NO. 12/2025
2. Which command is used to add charges in NPA accounts for recovery of charges from
borrower in future?
NPACHRG. This menu option is used for recording, waivement, recovery of charges incurred on
maintenance of NPA Accounts e.g: legal expenses , conveyance, stamp duty etc: for details please
refer Circular : ITD/CBS/32/2013 dated May 20, 2013
Reply as on : 29.11.2025, Reference : ITD/CBS/32/2013

Product: CLAIM

1. What is procedure of Lodgement of Claim in Mudra NPA Account

Claims for Mudra NPA accounts will be lodged by bank as a whole
Reply as on : 29.11.2025

Product: CRMD

1. What is the roles and works of CRMD at circle [Link] 10 lakh recovery done by CRMD or
sastraRevenue lossRecovery commission bil
Refer Roles and Responsibilities at Credit Review and Monitoring Division available in knowledge
repository(chapter 7)
Reply as on : 29.11.2025, Reference : CRMD

Product: FIN X

1. Procedural guidelines regarding Finacle 10 in CBS for NPA accounts

Visit knowledge centreKnowledge Repository FINX video tutorials NPA. Also you can refer knowledge
repository ManualsCBSFinacle 10 User Manuals NPA Management
Reply as on : 29.11.2025, Reference : PNB Knowledge repository

Product: FIR

1. Who will file FIR for loan amount above 1 lakh"

"FIR is to be lodged in case of Fraud declared account only. It is to be lodged by the officer designated
by CO/ZO. Please refer FRMD division-TMD circular no 54/2024."
Reply as on : 29.11.2025, Reference : FRMD-TMD 54/2024

Product: Forfeited Account

1. Which account head to credit the forfieted amount in case of failure of auction ?
“Income Auction-EMD-Forfeited Account” Account Number Sol Id2062504
 Reply as on : 29.11.2025, Reference : SASTRA DIVISION CIRCULAR NO. 02/2023

Product: Format

1. Where can I found format for status note for NPA ACCOUNT
Format for status note can be found at SASTRA DIVISION CIRCULAR 12/2025
Reply as on : 29.11.2025, Reference : SASTRA DIVISION CIRCULAR NO. 12/2025

Product: FORMAT

1. Where can I find "letter of forbearance

Knowledge centre-forms-form format-all- LETTER OF FORBEARANCE
Reply as on : 29.11.2025, Reference : PNB Knowledge repository
2. Which documents to be obtained after death of the borrower from legal heirs?
Kindly obtain letter of forbearance and BC letter from the legal heirs.
Reply as on : 29.11.2025
3. What is the menu to generate notice to borrower
Use menu option HLAODR to generate irregular notices in term loan accounts.
Reply as on : 29.11.2025, Reference : CBS
4. Where are the format for Possession cum sale notice
Please refer Annexure - 52 SASTRA DIVISION CIRCULAR NO. 12/2025 for Format of POSSESSION
CUM SALE NOTICE
Reply as on : 29.11.2025, Reference : SASTRA DIVISION CIRCULAR NO. 12/2025

Product: HFRR menu

1. Guidelines relating to HFRR menu

MSME & MID CORPORATE CREDIT DIVISION CIRCULAR NO. - 31 /2023
Reply as on : 29.11.2025, Reference : MSME & MID CORPORATE CREDIT DIVISION CIRCULAR
NO. - 31 /2023

Product: Insurance

1. Can we give tod in NPA accounts for insurance debit?

No, There is no need for TOD. Insurance premium should be debited from Recovery related expenses
account, 1142607 and keep the proper record of charge in loan file as well in CBS by menu option
NPACHRG
Reply as on : 29.11.2025, Reference : SASTRA DIVISION CIRCULAR NO. 43/2024

Product: IRAC norms

1. Kindly guide within how many days of account became NPA, what is the process to mark NPA
in branch
An asset becomes non-performing when it ceases to generate income for the bank. System marks the
account NPA during dayend process. For detailed guidelines on IRAC norms referSASTRA DIVISION
CIRCULAR NO. 43/2024
Reply as on : 29.11.2025, Reference : SASTRA DIVISION CIRCULAR NO. 43/2024
Product: Legal Action

1. As a legal action, can Suit file be initiated in Mudra NPA account

There is no bar to file suit in the account. Further, initiation of legal action is mandatory for CGTMSE
claim
Reply as on : 29.11.2025, Reference : Mudra

Product: Legal Report

1. In case mismatch sites as per title deed, can we finance the borrower by mortgaging the
property.
Refer GUIDELINES ON INVESTIGATION OF TITLE AND SEARCH REPORT OF IMMOVABLE
PROPERTY (IP) of l&a 149/2024. It is advisable to refer the matter to law manager posted at COZO or
legal counsel for guidance to receive accurate and tailored legal advice for you
Reply as on : 29.11.2025, Reference : LOANS & ADVANCES CIRCULAR NO. 149/2024

Product: LIMITATION

1. Circular regarding waivement of limitation under permission of circle head and respective
circular to quote for seeking waivement of limitation
Format and process for WLA is same as for OTS.
Reply as on : 29.11.2025, Reference : SASTRA DIVISION CIRCULAR NO. 12/2025
2. What is the procedure to send documents to DRT.
Refer law division circular no 03/2025 regarding GUIDELINES ON MANAGEMENT OF BANK’S
LITIGATION
Reply as on : 29.11.2025, Reference : Law division circular no 03/2025
3. How to take balance confirmation for NPA account.
Use form PNB [Link] can download the same in the knowledge centre> Knowledge repository>
Forms.
Reply as on : 29.11.2025, Reference : SASTRA DIVISION CIRCULAR NO. 43/2024

Product: MENU

1. What is menu for Restoration to NPA in CBS

Use menu option ‘NPARST
Reply as on : 29.11.2025, Reference : SASTRA DIVISION CIRCULAR NO. 63/2021
2. How can we know exactly how much due amount to be paid by the borrower to upgrade the
NPA account?
HNPACR (Ledger balance, RI/DI, recorded charges, NPA balance, recoverable dues). Also you may
use menu option ‘NPACBAL more information is available on single screen
Reply as on : 29.11.2025, Reference : CBS MENU

Product: MOC

1. What is MOC? How MOC is passed for fresh loss accounts?

MOC is memoranda of changes in the balance sheet after the close of quarter/Financial year. Kindly
update the security position in HCLM and necessary updation of provision will be made by system it
self
Reply as on : 29.11.2025, Reference : SASTRA DIVISION CIRCULAR NO. 43/2024
Product: NEC

1. Guidelines relating to NEC at the time of renewal of CC Limit?

In the case of renewal of existing limits, Non Encumbrances Certificate/ Search Report need not to be
obtained/ updated if time period of 3 years has not lapsed since the last search report/NEC
Reply as on : 29.11.2025, Reference : Law division circular no 03/2025

Product: Nomination

1. In case where there is no nomination how much amount is settled by the Branch ?
Refer Power Chart to settle deceased claim case Law Division Circular No. 03/2025
Reply as on : 29.11.2025, Reference : Law division circular no 03/2025

Product: Nomination

1. What can be done in settlement of death claim case without nomination for saving account if
some of legal heirs are in abroad.
If all the legal heirs are not able to join for receiving the payment of the deposit /delivery of articles,
such of them who cannot join, may execute Power of Attorney (PoA) in favour of one of the legal heirs
/ claimants. The PoA executed abroad, should
Reply as on : 29.11.2025, Reference : Law division circular no 03/2025
2. IN CASE OF DEATH CLAIM CASE WHERE NOMINATION IS NOT AVAILABLE ,WHILE MAKIG
PAYAMNETS WHAT MEASURES TO BE TAKEN
Refer pt 2.2 GUIDELINES ON SETTLEMENT OF CLAIMS PERTAINING TO DECEASED / MISSING
CUSTOMERS OF THE BANK IN RESPECT OF THEIR DEPOSITS, LOCKERS AND ARTICLES IN
SAFE CUSTODY) of LAW DIVISION CIRCULAR NO 03/LAW/2025
Reply as on : 29.11.2025, Reference : Law division circular no 03/2025
3. what is the procedure for deceased claim settlement for the saving account where nominee
itself expired and deceased borrowers has a family
It is to be dealt as claim case without nomination. For procedure/details guidelines please refer LAW
DIVISION CIRCULAR NO 03/2025 PARA 2.2.4 In whose favour the Settlement of Claim is to be made
in various types of Accounts
Reply as on : 29.11.2025, Reference : Law division circular no 03/2025

Product: NPA CLASSIFICATION

1. Where do we search various npa related recovery reports ?

Amallgamated EDW servor. Refer MISD circular no 01/2021
Reply as on : 29.11.2025, Reference : MISD circular no 01/2021
2. One borrower have two loan account in NPA with same cust id can we settle(OTS) the account,
account wise.
OTS is to be made borrower wise not account wise
Reply as on : 29.11.2025, Reference : SASTRA DIVISION CIRCULAR NO. 43/2024

Product: NPA TERMS

1. How are Recoverable dues in NPA account calculated

Recoverable Dues shall be calculated w.e.f. the date of NPA on the Book outstanding as existing on
 the date of NPA (inclusive of SI/DI reversed subsequently) duly adjusted for recoveries/further debits
in the account, ignoring the interest, if any credi
Reply as on : 29.11.2025, Reference : SASTRA DIVISION CIRCULAR NO. 12/2025
2. what does book outstanding mean in NPA accounts
Book outstanding is amount owned on a debt on a particular date. Use menu option HNPACR for
principal ledger [Link] Outstanding prior to write off i.e. the book outstanding (exclusive of
Suspended Interest/ De-recognized Interest)
Reply as on : 29.11.2025, Reference : SASTRA DIVISION CIRCULAR NO. 12/2025
3. Can npa account debit for any purpose
No , Charges/expenses/insurance etc. on such a Borrowal account should not be debited to the
Borrower’s account unless recovered, the same need to be recorded in the Memoranda Account after
charging to Bank’s Revenue
Reply as on : 29.11.2025, Reference : SASTRA DIVISION CIRCULAR NO. 43 /2023
4. How can amount of recorded interest be ascertained in NPA account.
Use menu option HNPACR in inquiry mode and check RI column
Reply as on : 29.11.2025, Reference : CRMD 5/2019
5. What is memoranda dues
Memoranda dues is all dues towards the customer as on date i.e Balance outstanding as on date of
NPA + un recovered DI+ Recorded interest from the date of NPA+ charges/expenses incurred on the
account after the date of NPA minus recovery if any. Use menu
Reply as on : 29.11.2025, Reference : SASTRA DIVISION CIRCULAR NO. 12/2025
6. What is derecognised interest
Derecognized Interest is the unrealized interest outstanding as on NPA date and the same is not to be
taken to income and credited back to the Borrowal Account as on NPA DATE.“
Reply as on : 29.11.2025, Reference : SASTRA DIVISION CIRCULAR NO. 12/2025

Product: NPACHRG

1. How to know about various charges in NPACHRG?

Please generate report PNBRPT 3/91 for details of expenses entered in NPACHRG
Reply as on : 29.11.2025

Product: OTS

1. Can we do OTS of a account below minimum OTS amount?"

Yes, It can be considered by the next higher authority.
Reply as on : 29.11.2025, Reference : SASTRA DIVISION CIRCULAR NO. 12/2025
2. After how much time an account which has turned NPA we can go for OTS?
Account can be settled under General OTS scheme after 3 months from its date of slippage to NPA.
Reply as on : 29.11.2025, Reference : SASTRA DIVISION CIRCULAR NO. 12/2025

Product: OTS

1. What is OTS policy if our staff member is gurantor in NPA account

The OTS/ Write off proposals in accounts where an existing or ex-staff is a borrower/guarantor shall
be considered by an authority not below the level of HOCAC-I subject to delegated powers
Reply as on : 29.11.2025, Reference : SASTRA DIVISION CIRCULAR NO. 12/2025
2. How to close CC account settled through OTS
 Enter the details of NPA accounts in menu option NPAD then invoke menu option COWO for entering
the record for compromise/OTS in the CBS system. After credit the recovered amount and revenue
loss, if any, close the account through menu option NPACLS
Reply as on : 29.11.2025, Reference : PNB KNOWLEDGE REPOSITORY
3. What is the minimum indicative settlement amount in NPA account where CGTMSE claim is
being received
CGTMSE amount is to be add back to ledger outstanding, while computing the minimum indicative
OTS amount.
Reply as on : 29.11.2025, Reference : SASTRA DIVISION CIRCULAR NO. 12/2025

Product: OTS

1. Is value of agricultural land taken for arriving OTS amount ?

Under Direct Agriculture Advances with balance outstanding upto Rs. 10 lac, the realizable value of
primary/collateral security will exclude the agricultural land offered as security. However, security
available other than agricultural land shall be taken
Reply as on : 29.11.2025, Reference : SASTRA DIVISION CIRCULAR NO. 12/2025

Product: PM SVANidhi loan accounts

1. After receiving claim in PM SAVNIDHI YOJNA account can we settle the NPA account.
PM SVANidhi loan accounts are covered under CGTMSE. So CGTMSE guidelines will be applicable.
For settlement related to CGTMSE related accounts .
Reply as on : 29.11.2025, Reference : SASTRA DIVISION CIRCULAR NO. 12/2025

Product: PROVISION

1. What are guidelines for provisioning in NPA as per IRAC Norms

SASTRA DIVISION CIRCULAR NO. 43/2024
Reply as on : 29.11.2025, Reference : SASTRA DIVISION CIRCULAR NO. 43/2024

Product: QUICK MORTALITY

1. Whether Quick Mortality classification is customer specific or loan account specific?

Quick Mortality (QMC) should be customer specific and not loan account specific, in case the
customer has repaid back previous loans and a subsequent loan turns NPA before one year the same
is exempted from QMC category
Reply as on : 29.11.2025, Reference : SASTRA DIVISION CIRCULAR NO. 14/2025

Product: Recevery Agency

1. Where can we find latest guidelines for engagement of recovery agencies?

SASTRA DIVISION CIRCULAR NO. 05/2025
Reply as on : 29.11.2025, Reference : SASTRA DIVISION CIRCULAR NO. 05/2025

Product: Recovery actions

1. How can we manage NPA accounts in time bound manner? Where can we found the guidelines
for the same?
Refer NPA Management through Time Bound Actions sastra 12/2025
 Reply as on : 29.11.2025, Reference : SASTRA DIVISION CIRCULAR NO. 12/2025

Product: RELEASE OF TITLE DOCUMENTS

1. How to release title documents in case of deceased borrower?

In event of death of mortgagor (sole/ joint), the original property documents have to be released in
favour of Legal heirs, (or any one of them as mandated by all the legal heirs) after adjustment of loan,
on verification of the authority of the legal hei
Reply as on : 29.11.2025, Reference : IRMD L& A 135/2023

Product: REMOVAL OF SETTLED STATUS FROM CIR

1. Can settled status removed from CIBIL after account ic closed under OTS?
Yes it can be removed by paying the sacrifice amount alongwith interest.
Reply as on : 29.11.2025, Reference : SASTRA DIVISION CIRCULAR NO. 13/2025

Product: REPORTS

1. How to generate the branch wise reports of all the NPAs with phone numbers and addresses?
Please generate report PNBRPT 1/29 for address and mobile no in MIS [Link] report is available
in amalgamated EDW server
Reply as on : 29.11.2025

Product: RESTRUCTURING

1. Where queries related to MSME restructuring will be escalated

Please refer MSME DIVISION CIRCULAR NO. 55/2021 wherein Escalation matrix for resolution of
queries related to MSME Division is given.
Reply as on : 29.11.2025, Reference : MSME DIVISION CIRCULAR NO. 55/2021

Product: Restructuring

1. Can an NPA account be Restructured

There is no restriction for restructure in NPA account. Only viable unit should be restructured. Please
refer PARA IMPLEMENTATION OF ONE TIME RESTRUCTURING RESOLUTION FRAMEWORK -
APPLICABLE TO ELIGIBLE MSME ACCOUNTS at page no 68 of IRMD LA division cir
Reply as on : 29.11.2025, Reference : IRMD LA division circular no 1752022

Product: Revenue loss

1. Revenue loss paid by which committee

Refer DECISION LEVELSPOWERS of sastra division 12/2025"
Reply as on : 29.11.2025, Reference : SASTRA DIVISION CIRCULAR NO. 12/2025

Product: Reverse entry

1. How to reverse wrongly credited entries in npa accounts ? procedure and power
Use MENU “APPROREV. For details refer SASTRA DIVISION CIRCULAR NO. 42/2021
Reply as on : 29.11.2025, Reference : SASTRA DIVISION CIRCULAR NO. 42/2021
Product: SARFAESI

1. Who is the authority to issue 13(2) and 13(4) notices under SARFAESI to NPA accounts upto 10
lakh?
Authority to issue notice under section 13 (2) is Branch Head. However, if BH is below scale IV then
Notice under section 13 (2) is to be SIGNED by Designated Authorized Officer appointed by Circle
Office.
Reply as on : 29.11.2025, Reference : SASTRA DIVISION CIRCULAR NO. 12/2025

Product: SOTS

1. What is circular no for new SOTS Policy ?

SOTS POLICY validity is upto 31-3-2025
Reply as on : 29.11.2025, Reference : SASTRA DIVISION CIRCULAR NO.21/2024

Product: SUIT FILE

1. What are the guidelines for initiating action under Sec 138
Please refer Law division cir no 3/2015 for initiating action under Sec 138
Reply as on : 29.11.2025, Reference : LAW 03/2015
2. How to mark suit filed in NPA accounts in CBS ?
For marking the status of suit filed in CBS please change the SUB G L Head code by menu option
TACBSH to 76170.
Reply as on : 29.11.2025, Reference : CBS

Product: Tagging

1. How to implement tagging in NPA account

Refer tagging arrangement as mentioned in SASTRA Division Circular No.12/2025
Reply as on : 29.11.2025, Reference : SASTRA DIVISION CIRCULAR NO. 12/2025

Product: Upgrade NPA

1. How to upgrade a suit filed NPA loan in system?

Any account, not having any deficiency will be upgraded to standard category at day end process.
Various check points for upgrading any account are available in SASTRA DIVISION CIRCULAR NO.
34/2021. AUTOMATIC UPGRADATION OF NPAs. To change suit filed stat
Reply as on : 29.11.2025, Reference : SASTRA DIVISION CIRCULAR NO. 34/2021

Product: Value of security

1. How to update value of security in NPA vehicle loans?

The value mentioned in the valuation report obtained from the Surveyor or value mentioned in the
Insurance Policy
Reply as on : 29.11.2025, Reference : SASTRA DIVISION CIRCULAR NO. 08/2023

Product: WILFUL DEFAULTER

1. kindly provide the circular regarding willful defaulters in NPA account.

Please refer SASTRA DIVISION CIRCULAR NO. 72/2024 for willful defaulters.
 Reply as on : 29.11.2025, Reference : SASTRA DIVISION CIRCULAR NO. 72/2024

Product: WLA

1. How to Mark of Waivement of legal action in NPA accounts in CBS ?

"Invoke Menu Option COWO (NPA Account Write-Off and Compromise Details) • Select Function
code ‘A’ • Enter account number and press go, WLA Flag should be selected as Y on the next screen
and enter date of Sanction and press submit."
Reply as on : 29.11.2025, Reference : CBS

Product: WLA

1. Can we sanction Waiver of Legal action for account at branch level.

It can not be done at the Branch level.
Reply as on : 29.11.2025, Reference : SASTRA DIVISION CIRCULAR NO. 12/2025

Topic: Fintech and Digital Banking

Product: Fintech and Digital Banking

1. TRANSACTION NOT PERMITTED WHEN CUSTOMER DOES UPI [Link] IN CBS HAS
BEEN DONE FOR MODIFY USER PROFILE AND EXMFRM HAS BEEN UPDATED AND EEFRM
SELF AUTHENTICATION HAS ALSO BEEN [Link] PROVIDE SOP FOR FOR PNB ONE
AND PNB ONE BIZ ALSO
Please also check threshold limit for the same.(refer TMD Cir. No. 122025). For pnb one biz refer
DIGITAL BANKING TRANSFORMATION DIVISION CIRCULAR NO. 522024 and DIGITAL BANKING
TRANSFORMATION DIVISION CIRCULAR NO. 222025 is for PNB ONE CONSOLIDATED GUID
Reply as on : 03.11.2025, Reference : DBTD CIRCULAR NO. 22/2025
2. Please guide procedure of activating PNB ONE BIZ app for partnership account as single user
REFER POINT 1.1 Single User Profile onboarding through Branch Page 3 of DBTD Circular No.
522024 CORPORATE MOBILE BANKING- PNB One BIZ . SOP is available for the same.
Reply as on : 03.11.2025, Reference : DBTD Circular No. 52/2024
3. Is balance confirmation required in digitally sanctioned under personal loan scheme.
It is advisable to be obtained. Balance Confirmation date on account of Credit in Loan Accounts can
also be considered. refer point 2.3 Page 2 of IRMD LA Cir. No. 232022- LIMITATION BALANCE AND
SECURITY CONFIRMATION LETTERS
Reply as on : 03.11.2025, Reference : IRMD LA Cir. No. 23/2022
4. CAN WE ISSUE DEBIT CARD TO CURRENT ACCOUNT IN CONSTITUTION LLP LIMITED
LIABILITY PARTNERSHIP. KINDLY GUIDE AND PROVIDE CIRCULAR REF
NO, PLEASE REFER POINT 2.1Eligibility for Debit Card Issuance Page 22 of Policy for Debit Card
BUSINESS ACQUISITION RELATIONSHIP MANAGEMENT DIVISION -CARDS AND MAB
CIRCULAR NO. 052025 for detailed guidelines
Reply as on : 03.11.2025, Reference : MAB 05/2025
5. How to add multiple accounts in corporate net banking of same user
Please refer DBTD Circular No. 082023 New Version of User Guide for Corporate Internet Banking
FOR COMPLETE SOP Customer ID Access Indicator (Applicable for corporate having multiple
Customer IDs)
Reply as on : 03.11.2025, Reference : DBTD Circular No. 08/2023
6. Kindly guide me providing manual or video tutorial of lens module for processing mudra and
all retail loans
Please refer a brief of PNB LenS -RETAIL MODULE in Mission Parivartan Division Circular No.
152021 and Mission Parivartan Division Circular No.202021 for MSME module. Also DIGITAL
BANKING TRANSFORMATION DIVISION CIRCULAR NO. 432025 PNB LENS FREQUENTLY AS
Reply as on : 03.11.2025, Reference : MPD 15/2021
7. DEAR SIR ,OUR CUSTOMER HAS DONE WRONG UPI TXN IN SBI ACCOUNT WHAT IS THE
PROCEDURE TO REVERSE THE AMOUNT WHETHER COMPLAINT SHOULD BE REGISTERED
WITH [Link] GUIDE
please refer DIGITAL BANKING TRANSFORMATION DIVISION CIRCULAR NO. 222023 for
SOLUTIONS TO COMMON ISSUES RELATED TO UP
Reply as on : 03.11.2025, Reference : DBTD 22/2023
8. sirPlease inform how many, domestic airport lounge accesss is allowed, in Rupay platinum DI
international card (IP) as well as in Rupay select NCMC personalised Card (RSN) in a quarter.
Rupay platinum DI international card (IP) and Rupay NCMC offering domestic lounge2 per quarter
Reply as on : 03.11.2025, Reference : BARM 07/2025
9. SirMadam,Is there any issuance charge or AMC for PNB Mastercard World Grand Debit Card
variant for staffs Kindly guide.
please refer BA RM DIVISION CARDS MAB CIRCULAR NO. 072025 LAUNCH OF NEW DEBIT
CARD VARIANTS The Issuance and AMC charges will be applicable as mentioned in Annexure I.
Reply as on : 03.11.2025, Reference : BARM 07/2026
10. Respected SirMadam,What is the way to know about beneficiary account details of UPI
transaction done by PNB [Link] guide us where we can track this
for UPI transaction please refer DBTD Circular No. 342024 PAYMENT ON THE BASIS OF UPI
NUMBER (MOBILE NUMBER)for further querries raise complaint to upichbk.
Reply as on : 03.11.2025, Reference : DBTD 34/2024
11. how many account or cif id linked with one mobile no any circular
the utility to capture approval of COsCHs in genuinecases to allow linkage of one mobile number in
more than 5 Cust ID has been customized. PLEASE RFER GENERAL BANKING DIVISION
CIRCULAR NO. 282024 for detailed guidelines
Reply as on : 03.11.2025, Reference : GBD 28/2024
12. the customer has applied for credit card, however the customer has one credit card issued
from our bank, issued card in RUPAY PLATINUM and customer has asked for another card
RUPAY SELECT. Can we issue 2 cr4edit card to same customer
There are no restrictions as per BARM DIVISION CARDS MAB CIRCULAR NO. 21/2025 MASTER
CIRCULAR PNB CREDIT CARDGUIDELINES FOR FIELD FUNCTIONARIES
Reply as on : 03.11.2025, Reference : BARM MAD 21/2025
13. How generate report for those Accounts opened between two dates in which PNB ONE not
activated
The REPHELP menu option has been made available in CBS to facilitate branches in searching for
reports by entering a keyword. The REPHELP menu option displays all related reports along with
their descriptions, helping the user find the required report. fo
Reply as on : 03.11.2025, Reference : ITD CBD 02/2025
14. RBI Master direction on Access criteria for Payment System January 17, 2017 and related
 circular of our Bank
Kindly refer to detailed guidelines issued by RBI under Payment and Settlement Systems Act, 2007
and FAQs dated 22 Nov 2022 on RBI site and subsequent related circulars for detailed guidelines.
Reply as on : 03.11.2025, Reference : [Link]
15. How to issue internet banking to a partnership account
Kindly refer to DBTD Circular no. 08 2023, NEW VERSION OF USER GUIDE FOR CORPORATE
INTERNET BANKING and DBTD Cir no. 40 2025, Internet Banking Services- Consolidated
Guidelines.
Reply as on : 03.11.2025, Reference : DBTD 08/2023
16. what will be schemeintt code of FDR with monthly interest paid in saving account
scheme intt code of FDR with monthly inerest paid in saving account id FDSMP
Reply as on : 03.11.2025, Reference : SCHEME CODES
17. What is max transfer limit one can set while adding beneficiary in pnb one biz app
With reference to the DBTD Circular No. 522024 CORPORATE MOBILE BANKING- PNB One BIZ
Sole proprietors will have maximum limit of Rs. 30 lakhs per day for a duration of 6 months
irrespective of profile (single multi user). If a customer wishes to increase
Reply as on : 03.11.2025, Reference : DBTD 52/2024
18. Can we unblock UPI transactions with a self-signed application form , or if there is any
prescribed form for unblocking UPI Transactions
There is no restriction for accepting the signed application for UPI blockage. However, customer may
block the UPI transaction using whatsapp banking, pnb one, internet banking also. Kindly guide the
customer accordingly.
Reply as on : 03.11.2025, Reference : General guidelines
19. kindly provide faq realted to upi and pnb one
Please refer DIGITAL BANKING TRANSFORMATION DIVISION CIRCULAR NO. 222023 for
SOLUTIONS TO COMMON ISSUES RELATED TO UP. It is also advisable to go through TMD
CIRCULAR NO.01 2025 . And for PNB one consolidated guidelines please refer DIGITAL BANKING
TRAN
Reply as on : 03.11.2025, Reference : DBTD 022/23023 , 22/2025
20. can we give ATM to former or survivour mode of operation
To be issued to Former only. Joint Accounts where operation condition is Jointly cannot be issued
ATM.
Reply as on : 03.11.2025, Reference : DEBIT CARD POLICY
21. how to transfer money from ca national mobility card linked with debit card to savings
[Link] customer has deposited money in this current account now unable to debit the
same via pnb one or by branch
Please refer BA RM DIVISION - SAVING DEPOSIT, DEBIT CARD, NRI BUSINESS OTHER
LIBAILITIES BUSINESS CIRCULAR NO. 202023 RuPay NCMC (NATIONAL COMMON MOBILITY
CARD) DEBIT CARD and BARMAB 162025The refund of the Offline Wallet balance available in CBS
can be
Reply as on : 03.11.2025, Reference : BARM 20/2023
22. Whether accidental insurance cover available for Master EMV classic personalized card
holder. If yes then what is the process and detailed guidelinescircular number to claim for
cover amount.
Not Applicable in case of master card . for detailed guidelines and facilities available on various cards
 refer BA RM DIVISION - SAVING DEPOSITS, DEBIT CARD, NRI BUSINESS OTHER LIABILITIES
BUSINESS CIRCULAR NO. 242023DIGITAL PRODUCT - DEBIT CARD PREPAID
Reply as on : 03.11.2025, Reference : BARM SAVING 24/2023
23. How to find out BSR CODE of branch by ifsc code
You can access through menu option SOLDET in CBS
Reply as on : 03.11.2025, Reference : MENU LIST
24. User ID of mobile banking get disabled if not used for 360 days. How we can enable user at
branch level if customer has not availed facility of ATM.
Kindly refer to DBTD Circular no. 222025, Consolidated Guidelines PNB One, User ID of mobile
banking get disabled if not used for 360 days. In order to resume using PNB mobile banking, you can
enable user using Debit Card credentials through Trouble Signi
Reply as on : 03.11.2025, Reference : DBTD 22/2025
25. What is sms format for email-id updation without debit card from mob no 9264092640
Kindly refer to DBTD Circular no. 132025, Email can be updated by selecting Account Services
through Whatsapp Banking.
Reply as on : 03.11.2025, Reference : DBTD 13/2025
26. After applying for BHIM QR code we receive it in our mail, if we cant find from mail using
searcher how can we find the qr code again Is there any portal from where we can regenerate
it
BARM-Cards and MAB Circular no. 122024 Advisory on Issuance of QR code products-FAQs,
Turnaround time for issuance of BHIM QR code soft copy is 30 minutes to 1 hour. The soft copy is
sent on branch email ID and customer email ID as registered in ALERTS in
Reply as on : 03.11.2025, Reference : BARM MAB 12/2024
27. how to check status of ARN or RRN number processed by payee
Customers can check the RRN or ARN number of a payee through PNB One by navigating to the
transaction history section. Here, they can view details of past transactions, including the RRN or
ARN numbers, which are listed alongside other transaction details
Reply as on : 03.11.2025, Reference : PNB ONE
28. What are our bank charges when our current account holder receive payment through BHIM
QR code using a credit card
When a current account holder receives payment through BHIM QR code using a credit card, the
bank charges a Merchant Discount Rate (MDR) of 1.5 plus taxes on the transaction amount. This
charge is applied to cover the processing and operational costs asso
Reply as on : 03.11.2025, Reference : BARM MAB 04/2025

Topic: HR and Admin - GSAD

Product: ACCOUNT OPENING

1. sir what is the process to open a TRUST account. What are the documents to be taken while
opening a TRUST ac. Please share circular if any .
Please refer Operations Division (KYC Section) circular no 06/23,page no 36,point no 11.
Reply as on : 06.12.2025, Reference : KYC(OPERATIONS) 6/2023

Product: ACCOUNT OPERATIONS

1. A 90 years old lady wants to change her signing auth. from signatures to thumb impression. As
 per her verbal statement she is not able to sign correctly thus want to change from signatures
to thumb impression. She also refuses to provide medical certificate in this regard. What is the
procedure to be adopted for changing her authority from signatures to thumb impression
REFER POINT 43 ON OPERATION OF BANK ACCOUNTS BY OLD/ SICK/ INCAPACITATED
CUSTOMERS GIVEN IN PAGES 133-135 OF IAD CIRCULAR 32/2017 (BOOK OF INSTRUCTIONS
ON OPERATIONS)
Reply as on : 06.12.2025, Reference : IAD 32/2017

Product: ARCHITECT

1. Is there any specific guidelines for payment of fees to empaneled architectsPreviously asked
no correct response [Link] guide
Please refer GSAD circular no 3423, page no 183
Reply as on : 06.12.2025, Reference : GSAD 34/2023

Product: BRANCH OPENING

1. Can any part time sweeper open the branch on his own for cleaning purpose or he have to
clean the branch under supervision of any officer, kindly guide
As per IAD CIR. No. 19 2020 dated 31052020 pg.26 Branch keys are NOT to be handed over to Part
Time Sweeper (PTS).Branch incumbent must ensure that cleaning of branch premises is done in the
presence of branch incumbentstaff member authorized by branch in
Reply as on : 06.12.2025, Reference : IAD 19/2020

Product: BSF

1. Kindly guide about scheme code for saving accounts of pensioner of BSF(border security
force) to avail benefits like waiver of service charges and various insurance scheme for
account holder
RAKSHAK PLUS. REFER RLBD CONSOLIDATED CIRUCLAR 18/[Link] REFER RLBD
CIRCULAR 23/2022.
Reply as on : 06.12.2025, Reference : RLBD 18/2021

Product: BUSINESS CORRESPONDENT

1. Kindly Guide Us the Procedure to Appoint Business Correspondent (BC)

Please refer FI division circular no 08/23
Reply as on : 06.12.2025, Reference : FI 8/2023

Product: CASH HANDLING CHARGES

1. Our account holder requested for reversal of cash handling charges (Non credit related
charges) for previous year (i.e. 2022-23) on 26.04.2023. Can we reversed the charges of
previous year and who is competent authority to give permission. RBD (resource ) 29/2020 dt
15.04.2020 silent about that
Please refer LA circular no 44/23,page no 116
Reply as on : 06.12.2025, Reference : IRMD LA 44/2023
2. Kindly Know Me the circular related to Powers of Different Scale for cash handling waiver.
Plz refer Retail banking division ( Rersources ) cir no 29 / 2020
 Reply as on : 06.12.2025, Reference : RBD Resources 29/2020

Product: CHARGE TAKING

1. Guidelines or circular related to charged taking report as an incumbent incharge

Plz refer IAD 50/2012
Reply as on : 06.12.2025, Reference : IAD 50/2012

Product: CLAIM SETTLEMENT

1. Dear sir mam please provide latest circular regarding death claim settlement
refer law division circular 8/2022
Reply as on : 06.12.2025, Reference : LAW DIV 8/2022
2. How to settle nominee claim of fixed deposit account
Plz refer LAW DIVISION CIRCULAR NO 08/Law/2022 for the detailed guideline.
Reply as on : 06.12.2025, Reference : LAW 8/20222

Product: CURRENT ACCOUNT

1. While opening a current account for Govt. Dept. is it necessary that for KYC of the Beneficial
Owner or Authorized Signatories have to produce Aadhaar Card PAN Can the KYC be done on
the basis of Driving license Voter ID as some Govt. Dept. officers are not willing to provide PAN
Aadhaar
THERE ARE 6 OVDs acceptable as Proof of identity and Proof of address for the beneficial owners.
Can be from any of them. refer point 2.1 in page 2 of barm division consolidated circular on current
accounts barm division, sub division current deposits cir
Reply as on : 06.12.2025, Reference : BARM(CURRENT) 9/2023
2. cash handling charges in current account
Please refer LA circular no 207/21,page no 53,point no 4.2
Reply as on : 06.12.2025, Reference : IRMD LA 207/2021
3. what are incidental charges for ,deducted from a current account?
Plz refer LOANS & ADVANCES CIRCULAR NO. 207 / 2021, CONSOLIDATED CIRCULAR on
SERVICE CHARGES pg no 48.
Reply as on : 06.12.2025, Reference : IRMD LA 207/2021

Product: CUSTODIAN OF ARMS

1. Branches were arm guard appointed who will act as a custodian of arms what are the duties
who will sign the register of arms kindly explain
PLEASE REFER PAGE 11 OF Security Division Circular No 162020. The Circular says The licenses
are made in the name of the designation of branch manager who is called the HolderCustodian. As a
consequence, he automatically becomes responsible for the safe
Reply as on : 06.12.2025, Reference : GSAD 16/2020 (SECURITY)

Product: CUSTODY OF KEYS

1. Kindly guide the door keys, locker keys, vault keys should be under the custody of senior
manager or deputy manager (scale 2) in a branch having 3 officers?
 Keys should be with joint custodians. It should be in joint custody of head cashier and incumbent
incharge or Dy Manager/ Manager/ Senior Manager. Refer IAD circular 19/2020
Reply as on : 06.12.2025, Reference : IAD 19/2020

Product: DEBIT CARD

1. What are the requirement to get Debit card accident case insurance Is there an condition of
entry within 45 days of death by debit card Kindly refer any circular regarding this
Please refer DBDT circular no 3822
Reply as on : 06.12.2025, Reference : DBTD 38/2022

Product: DEPOSIT ACCOUNT

1. payemnt of Thumb impression is valid on Withdrawal slip is valid up to which amount

refer IAD CIRCULAR 4/2020
Reply as on : 06.12.2025, Reference : IAD 4/2020
2. IS THERE ANY CASH HANDLING CHARGES FOR DEPOSITING CASH IN BASE BRANCH
Please refer LA circular no 207/21,page no 53,point no 4
Reply as on : 06.12.2025, Reference : IRMD LA 207/2021
3. Please intimate latest/consolidated circular for cash handling charges/service charges for cash
withdrawal/deposit.
"Plz refer Land A Cir 207/2021."
Reply as on : 06.12.2025, Reference : IRMD LA 207/2021

Product: DUTY SHEET

1. Dear Sir from where we can find clerical and officer duty sheet.
"E-duty sheet is available in HRMS ,refer HRDD circular no 758/17."
Reply as on : 06.12.2025, Reference : HRDD 758/2017

Product: E TENDER

1. "SOP for E Tendering"

"Plz refer GSAD Cir no 07/2023."
Reply as on : 06.12.2025, Reference : GSAD 7/2023
2. Kindly guide the SOP regarding e-tendering(steps to follow on e tendering portal) is circulated
vide which circular
REFER GSAD CIRCULAR 34 OF 2023
Reply as on : 06.12.2025, Reference : GSAD 34/2023

Product: ELECTRICAL AUDIT

1. what is due date for electric audit.

The electrical audit will be conducted every two years ,please refer GSAD circular no 0419.
Reply as on : 06.12.2025, Reference : GSAD 4/2019

Product: EMPANELLMENT
 1. Details Circular on empanelment of valuers and advocate
Plz refer SASTRA DIVISION CIRCULAR NO. 49/2021 for guidelines on Empanelment of Valuer and
Law division Cir LAW/5/2022 for Empanelment of Advocate
Reply as on : 06.12.2025, Reference : SASTRA 49/2021, LAW 5/2022

Product: EXPENDITURE POWER

1. From where to get power chart of expenditure which comes under incumbent.
Refer GSAD circular 38/2021
Reply as on : 06.12.2025, Reference : GSAD 38/2021

Product: FINANCIAL POWERS

1. WANT TO KNOW THE DIFFERENT FINANCIAL POWERS AND LIMITS OF BRANCH MANAGER
FOR EXTM MENU
Please refer GSAD circular no 38/21
Reply as on : 06.12.2025, Reference : GSAD 38/2021
2. Financial Powers for security related gadgets purchase or installation Pls give ref
circularQuery Status: REPLIED
Please refer to GSAD Circular 38 of 2021 GSAD Financial Powers Miscellaneous Discretionary
Financial Powers
Reply as on : 06.12.2025, Reference : GSAD 38/2021
3. What an all expenses can be debited from HO Sanction(not specified) account number -
XXXXXX1142223
PLEASE REFER ANNEXURE III FROM PAGE 6 ONWARDS OF ITD CBS Circular 15 OF 2014. THE
FOLLOWING EXPENSES CAN BE DEBITED FROM BACID 1142223 BRIEF CASE EXPENDITURE
SANCTIONED BY HO, CANTEEN EXPENSES, CARETAKER CHARGES, CASH VAN EXPENSES,
CCTV SURVEILANCE SYSTEM
Reply as on : 06.12.2025, Reference : ITD CBS 15/2014
4. what are the powers for Posting Postage Charges
please refer GSAD CIRCULAR NO. 24 of 2024 on GSAD FINANCIAL POWERS MISCELLANEOUS
DISCRETIONARYFINANCIAL POWERS OF BANK OFFICERS AT VARIOUS LEVELS. There are no
separate powers for Posting Postage Charges. It may be paid from Misc. revenue expenses not spe
Reply as on : 06.12.2025, Reference : GSAD 24/2024
5. A circle office (AGM Headed) wants to purchase 60 FRFC for 60 different branches at a time.
The cost per FRFC is 7 lakhs. As per GSAD Circular No. 242024 dated 15-06-2024, page no. 16,
point no. 1.1 Acceptance of tender and awarding thejob to the tenderer on per reference
[Link] this case, per reference means per FRFC, per branch (branch as an unit) or cumulative
The cost per FRFC is 7 lakhs. As per GSAD Circular No. 242024 dated 15-06-2024, page no. 16,
point no. 1.1 Acceptance of tender and awarding thejob to the tenderer on per reference [Link] this
case, per reference means per FRFC, per branch (branch as an
Reply as on : 06.12.2025, Reference : GSAD 24/2024
6. How do we know the maximum limit of various office accounts in a SOL Kindly guide me the
relevant circular.
Plz refer GSAD CIRCULAR NO242024 on GSAD FINANCIAL POWERS, MISCELLANEOUS
FINANCIAL POWERS FINANCIAL POWERS FOR PRINTING AND STATIONERY OF
 BANKOFFICERS AT VARIOUS LEVELS The financial powers are according to the scale of the sol.
Reply as on : 06.12.2025, Reference : GSAD 24/2024
7. what is expense power of branch scale wiseany circular available
Please refer to GSAD CIRCULAR NO 38 2021 GSAD FINANCIAL POWERS MISCELLANEOUS
DISCRETIONARY FINANCIAL POWERS OF BANK OFFICERS AT VARIOUS LEVELS
Reply as on : 06.12.2025, Reference : GSAD 38/2021
8. PLEASE CLARIFY THAT FINANCIAL POWERS OF EXPENDITURE AT VARIOUS LEVELS ARE
INCLUSIVE OR EXCLUSIVE OF GST
Please refer to GSAD Circular 432021 , which states that the powers vested at all levels are inclusive
of all charges (taxes, overheads)
Reply as on : 06.12.2025, Reference : GSAD 43/2021
9. Can branch purchase books for library
Yes, purchase of library books can be done by branches as per discretionary financial powers
mentioned in Annexure A of GSAD Circular No.382021 pg.19
Reply as on : 06.12.2025, Reference : GSAD 38/2021

Product: FIXED DEPOSIT

1. Please tell me the discretionary power for the payment of less interest paid to customer
holding an FDR due to non-renewal. Also quote the latest circular no. for reference.
PLEASE REFER POINT 1 IN PAGE 32 OF RLBD RETAIL BANKING DIVISION RESOURCES CIR
15/2020.
Reply as on : 06.12.2025, Reference : RLBD 15/2020
2. fd scheme for 20 days?
PNB ORDINARY TERM DEPOSIT SCHEME AND PNB FLOATING RATE FD SCHEME. REFER
PAGE 37 AND PAGE 66 OF RETAIL BANKING DIVISION (RESOURCES) CONSOLIDATED
CIRCULAR No. 15/2020(FD SCHEMES OF THE BANK). YOU WILL FIND IT UNDER CLOSED
DIVISIONS
Reply as on : 06.12.2025, Reference : RBD RESOURCES 15/2020
3. Please let us know the circular for issuing duplicate FDR? Whether GD at Police Station is
necessary or not!
Refer pages 16-18 of Retail banking division resources consolidated circular 15/2020. You will find it
under closed divisions. No GD at police station is not necessary
Reply as on : 06.12.2025, Reference : RBD Resources 15/2020

Product: HUF ACCOUNT

1. Can nomination be given in huf account?

"No,please refer Law Division Circular no 02/22."
Reply as on : 06.12.2025, Reference : LAW 2/2022
2. In case of death of Karta, New karta is added after consent from only male coparcener or also
from female coparcener. kindly also provide some related circular related to HUF account
After the amendment of the Hindu Succession (Amendment) Act, 2005,the daughter of a coparcener is
by birth, a coparcener in her own right, in the same manner as the Son. The female coparcener has
the same rights andliabilities in the property as she would
Reply as on : 06.12.2025, Reference : IRMD LA 43/2020
Product: INOPERATIVE

1. Please provide power chart for charges waiver circular in inoperative accounts
Please refer RBD (Resources) circular no 10/23
Reply as on : 06.12.2025, Reference : RBD RESOURCES 10/23
2. can a account made operative from inoperative without customer being present at any branch
?
As per RETAIL LIABILITY BUSINESS DIVISION CIRCULAR NO. 32 / 2022, REVISED POLICY ON
DORMANT/INOPERATIVE ACCOUNTS, An Inoperative account should be subjected to the KYC
procedures as per their risk category as and when any transaction comes up and it is so
Reply as on : 06.12.2025, Reference : KYC(OPERATIONS) 8/2023

Product: INTERSOL TRANSACTION

1. What are the limits for Intersol transactions for cash pyment,receipt and transfer kindly refer
cir. no.
Please refer to Inspection Audit Department Circular No 31 2018 Consolidated circular on INTERSOL
TRANSACTIONS IN CUSTOMERS ACCOUNTS
Reply as on : 06.12.2025, Reference : IAD 31/2018

Product: JOB PROFILE

1. Kindly guide the circular related to complete Job profile of sub staff and clerical staff.
Please refer HRD Division Circular no 629/10.
Reply as on : 06.12.2025, Reference : HRDD 629/2010

Product: LEASED ACCOMODATION

1. Please specify the circular describing area norms for officers availing leased accommodation
Plz refer GSAD Circular 8/2017 dated 15.12.2017
Reply as on : 06.12.2025, Reference : GSAD 8/2017
2. Sir I am currently posted in Mumbai western circle I availed lease accommodation but due to
some personal issues of owner he asked me to vacate the flat now I will be shifting to new flat
for that can I claim shifting charges and brokerage I will be paying from my pocket from bank
as I availed lease last year but owner is issuing notice to evacuate as he himself will move to
the flat
please contact your CO GSAD department for guidance. You may also refer to point no. 15 in page 54
of HRMD Circular 495 of 2020 regarding REIMBURSEMENT OF LOCAL [Link] refer to point
17 in page 56 of HRMD Circular 495 of 2020 regarding Brokerage. I
Reply as on : 06.12.2025, Reference : HRMD 495/2020

Product: LEDGER FOLIO

1. ledger folio charge application rule

Please refer LA circular no 207/21,page no 48,point no 1.3
Reply as on : 06.12.2025, Reference : IRMD LA 207/21

Product: LOCKER
 1. Respected sir/ madam I want to ask in what cases we can give locker facility to customer
without taking Fds from them?.. Kindly provide detailed guidelines for the same. Thanks and
regards
Please refer BA & RM DIVISION – SAVING DEPOSIT, DEBIT CARD & NRI BUSINESS CIRCULAR
No. 01 /2023page no 12,point no 5.
Reply as on : 06.12.2025, Reference : BARM 1/2023
2. In which head we may credit the charges of Rs. 1000+GST recovered from customer as a
Locker Break open charges
Please refer BA & RM DIVISION – SAVING DEPOSIT, DEBIT CARD & NRI BUSINESS CIRCULAR
No. 01 /2023 ,page no 12,point no 5.
Reply as on : 06.12.2025, Reference : BARM 1/2023
3. What is the procedure of locker breakage if the customer has lost the key
Please refer BA & RM DIVISION – SAVING DEPOSIT, DEBIT CARD & NRI BUSINESS CIRCULAR
No. 01 /2023,page no 17,point no 14.
Reply as on : 06.12.2025, Reference : BARM 1/2023
4. How many times LOCKER OPERATIONS are FREE in a Financial Year
No. of free Locker visits is 12 per year, thereafter Rs.100- per visit plus GST. refer point 4 in page 5 of
BA RM DIVISION SAVING DEPOSIT, DEBIT CARD NRI BUSINESS CIRCULAR No. 01 2023 on
POLICY AND OPERATIONAL GUIDELINES ON LOCKERS 2023-24
Reply as on : 06.12.2025, Reference : BARM 1/2023
5. Please suggest locker break open power char
As regards the large branches, the power to break open the lockers shall be exercised by a committee
of Senior Manager and Second Man. In case of small and medium branches, permission is to be
obtained from the Circle Head. Plz refer BA & RM DIVISION CIRC
Reply as on : 06.12.2025, Reference : BARM 1/2023

Product: LOCKER AGREEMENT

1. "dear sir/madam,kindly guide us ,in case of PNB 80R1(B) SUPPLEMENTARY LOCKER

AGREEMENt for which 100 rs stamp paper required ,which expense head to debited to provide
stamp paper to the customer."
"Plz refer RETAIL LIABILITY BUSINESS DIVISION CIRCULAR No.16/2023. Expenditure stamp duty
needs to be debitted for such expanses."
Reply as on : 06.12.2025, Reference : RLBD 16/2023

Product: LOCKERS

1. please guide how to settle death claim case without nominee in LOCKERS ?
refer law division circular 8/2022
Reply as on : 06.12.2025, Reference : LAW 8/2022

Product: MOVERS & PACKERS

1. BA approved movers packers list

Please refer LA circular no 72/19 and other circulars issued on the subject from time to time
Reply as on : 06.12.2025, Reference : IRMD LA 72/2019
Product: NOMINATION

1. what are the charges for adding a nominee in savings account

First time: Free there after 100/- per occasion. REFER POINT 8.3 IN GENERAL BANKING IN PAGE
58 OF IRMD LA 207/2021
Reply as on : 06.12.2025, Reference : IRMD LA 207/21

Product: NOTES COLLECTION

1. "WHAT IS THE INSTRUCTION REGARDING COLLECTION OF OLD OR TORN NOTES FROM

CUSTOMERS?"
"A soiled note which may include a note which has become dirty due to normal wear and tear or a two
peace note with no essential feature missing can be accepted/exchanged for full value at the bank
counter but should not be made available for re-circulati
Reply as on : 06.12.2025, Reference : GBD 29/2013

Product: NPS

1. What is the procedure and guidelines for closure of NPS accounts opened at branch.
"Refer operations - government business operations consolidated circular 22/2019. It is the
consolidated circular on NPS."
Reply as on : 06.12.2025, Reference : Govt Bus Operations 22/2019

Product: NRO

1. Dear Sir,can we open RD account of NRO account holder

Yes it can be opened. Please be guided by FOREIGN EXCHANGE CIRCULAR No.
67CONSOLIDATED CIRCULAR ON NON RESIDENT DEPOSITS dtd.15.05.2020 , pg 4
Reply as on : 06.12.2025, Reference : FEX 67/2020

Product: OFFICERS

1. Please provide Officer rental lease circular.

please refer hrmd circular 705 of 2023(latest). you may also refer to hrmd circular 495 of 2020 in
addendum
Reply as on : 06.12.2025, Reference : HRMD 705/2023

Product: OPEING OF BRANCH

1. where is the procedure for opening base branch is being written , who has to open the branch
premises at what time , wether PTS opens it or there is any other procedure , kindly quote
circular to along with it
Please refer IAD circular no 19/20,page no 26,point no 76.5
Reply as on : 06.12.2025, Reference : IAD 19/2020

Product: PASSBOOK

1. In present scenarion maximum customers are using UPI applications, which has increased
number of entries in the passbook to a very large extent, in some cases one passbook for one
day. Is there any guideline which prohibits bank to issue hard passbook and instead use e
 passbooks for upi enabled customers ? If not then please raise this issue at the earliest, to
frame specific guidelines for such customers. Regards
PLEASE REFER POINT 1.3 IN PAGE 49 OF IRMD LA 207/2021.
Reply as on : 06.12.2025, Reference : IRMD LA 207/21

Product: PASSING POWER

1. How much can an SWO-A make payment in cash counter?

Passing and cash payment of all cheques and withdrawal forms upto Rs. 10000. Refer page 30 of
hrdd circular 29/2010
Reply as on : 06.12.2025, Reference : HRDD 629/2010

Product: PMJJBY

1. What is the claim procedure for PMJJBY and PMSBY?

refer FI Division circular 4/2023 for PMJJBY claim procedure. REFER FI DIVSION CIRCULAR
15/2021 and 14/2022 FOR pmsby CLAIM PROCEDURE.
Reply as on : 06.12.2025, Reference : FI 4/2023

Product: PMSBY CLAIM

1. WHAT IS THE PROCEDURE OF PMSBY DEATH CLAIM

"refer FI Divsion cir 11/2021 for guidelines and procedure on PMSBY claim lodgement. also refer FI
Div cir 14/2022 on revised claim discharge forms for PMSBY"
Reply as on : 06.12.2025, Reference : FI 11/2021

Product: RESIDENTIAL SFF

1. If the useful life of SFF items is over can an officer avail the Item again say if it's been 7 years
that AC was purchased in SFF to officers and now its life is over and Book value is 0 can that
officer avail AC again ?
YES. YOU NEED TO WRITE TO YOUR CIRCLE OFFICE GSAD DEPT TO WRITE OFF THE ITEMS
WHICH HAVE COMPLETED THEIR USEFUL LIFE. YOU CAN THEN BUY IT AGAIN. REFER PAGE
101, HRMD CIR 642/2022
Reply as on : 06.12.2025, Reference : HRMD 495/2020
2. Can we purchase sff electronic items online Also do we need to get the item sanctioned first or
we can purchase it with our money and later get it reimbursed
Yes. Refer hrmd circular 495 of 2020, especially page 106 on permissible SFF items. Also refer hrmd
circular 647 of 2022. You can purchase and then claim reimbursement
Reply as on : 06.12.2025, Reference : HRMD 495/2020

Product: SAFE LOCKER

1. What are Guidelines regarding Safe Locker for Gold Loan. Please guide the circular regarding
this
Plz refer SECURITY DIVISION CIRCULAR NO 15/2023
Reply as on : 06.12.2025, Reference : GSAD 15/2023 (SECURITY)

Product: SAVINGS ACCOUNT

 1. when i was going through our bank site i found currently there is 5 scheme for salary a/c
holder i.e silver25, gold50, platinum100, platinum200 and titanium ([Link]/salary-
[Link])but when i visited knowledge center i found only 4 scheme i.e
silver,gold,premium,platinum (CIRNo.36/2022 dt 23dec22)and the scheme code also varies
from bank website. so my question is what scheme code will be applicable, and will the a/c
holder get the insurance cover if the scheme code [Link] by: 520995
Plz refer BA & RM DIVISION – cir no 13 / 2023. Presently as being displayed at banks website, there
are mainly five salary accounts in operation: silver25, gold50, platinum100, platinum200 and titanium.
Plz also refer the pg no 2 of the same circular wher
Reply as on : 06.12.2025, Reference : BARM 13/2023
2. Cash Deposit limit charges in current and saving account circular or details
refer irmd la circular no. 207 of 2021
Reply as on : 06.12.2025, Reference : IRMD LA 207/21
3. "if passbook is issued to a customer in saving account, still customer insist for statement, then
can we apply any charges on the customers?? if yes then how to do it?"
"please refer s. no. 1.2 in page 49 of irmd la 207/21."
Reply as on : 06.12.2025, Reference : IRMD LA 207/2021
4. "Respected sir,Is it necessary to close a joint account having mode of operation in
either/survivor mode if the primary account holder dies"
"[Link] survivor can continue the [Link] RLBD consolidated circular 8/2022"
Reply as on : 06.12.2025, Reference : RLBD 8/2022
5. What is our bank's guidelines regarding passbook printing. If a customer comes for passbook
updation and he has not updated the passbook for last one year. The number of transaction
there in his account is 30-40 UPI transactions per day. He is also refusing to use our digital
channels to get statement of his account. He is adamant to get his passbook printed. Kindly
guide us on this issue because it not possible to print passbook for so many entries. It will
hamper customer service in branch
If the customer presents the passbook for updation, we will have to update the passbook. However,
the Bank will charge Ledger Folio charges based on the number of transactions, please refer to LA
Circular No. 207/21, Page No. 48, Point No. 1.3.
Reply as on : 06.12.2025, Reference : IRMD LA 207/2021

Product: SCSS

1. "scss account holder expired and there is no nomination in the account. scss account of Rs 15
lakh. our branch is scale 2 . what all documents are required with form 3 and under whose
power does it come for premature closure with out nomination."
"Please refer Law Division Circular no 08/22,page no 43."
Reply as on : 06.12.2025, Reference : LAW 8/2022
2. What is the procedure to settle SCSS death claim
s per, [Link] DIVISION CONSOLIDATED CIRCULAR [Link]:- 13 /2020 , Reg : The
Senior Citizens Savings Scheme, 2004 (SCSS): In case of death of the account holder before maturity
or extended maturity, the account shall be closed and deposit refunded on
Reply as on : 06.12.2025, Reference : GBD 13/2020

Product: SECURITY FORMS

 1. printed dd , fd, should be in whose custody? is it dafftary or an officer?
Please refer to pg. 8 of BOOK OF INSTRUCTIONS (OPERATIONS) -CHAPTERXII – SECURITY
FORMS, STATIONARY MANAGEMENT AND LIBRARY CIRCULAR NO. 27 / 2016 dtd. 07.11.2016
All Blank Security Forms, Debit Cards & related ‘PIN Mailers’, ‘PIN Mailers’ for Internet Ban
Reply as on : 06.12.2025, Reference : IAD 27/2016

Product: SERVICE CHARGES

1. Dear Sir, Please provide the latest Cir. of Non credit related Service charge for non maintain of
QAB
PLEASE REFER IRMD LA CIRCULAR 2072021 FOR NON MAINTENANCE OF QAB IN SAVINGS
ACCOUNT AND RLBD CIRCULAR 42022 FOR NON MAINTENANCE OF QAB IN CURRENT
ACCOUNT.
Reply as on : 06.12.2025, Reference : IRMD LA 207/2021

Product: SHIFTING ALLOWANCE

1. "Shifting allowance for 0 to 1 any circular if then proved"

"will get transfer allowance applicable for officer. refer hrdd 846/2021 dt 1.1.2021. he will get
lumpsump compensation of Rs. 25000 on transfer(refer point 20 in page 17). He will also get
reimbursement for transfer of his household goods as applicable f
Reply as on : 06.12.2025, Reference : HRDD 846/2021

Product: STAFF CLEAN OD

1. In order to to avail the facility of Overdraft, how much minimum time Ive to serve in the bank.
So that I am eligible for overdraf
Please refer HRDD circular no 87522
Reply as on : 06.12.2025, Reference : HRDD 875/2022

Product: STAFF LEASE ACCOMODATION

1. Criteria for area classification for staff lease accommodation

refer HRMD CIRCULAR NO. 705 of 2023. Major A Class cities Delhi, Mumbai, Kolkata, Chennai,
Hyderabad,Ahmadabad and Bangalore, Pune, [Link] I Areas having population of over 12 lakh
plus State [Link] II All cities other than those included in Ar
Reply as on : 06.12.2025, Reference : HRMD 705/2023

Product: STATIONERY

1. As per latest circular GSAD CIRCULAR NO242024 Photocopier paper (e.g. A4 paper) is not a
part of table stationery items. So it is not to be paid from STATIONERY LOCALLY
PURCHASED. Requesting you to kindly guide which expenditure head(in extm) needs to be
debited for payment of photocopier paper bill and related branch powerI will be highly obliged
Please debit the head Computer Stationery.
Reply as on : 06.12.2025, Reference : GSAD 24/2024

Product: STUDENT ACCOUNT

 1. Can student above 10yrs avail debit card and cheque book if it is a self operated account
Please refer IAD circular no 32/17,page no 86,point no 24d & RLBD circular no 07/22,page no 11,point
no c.
Reply as on : 06.12.2025, Reference : IAD 32/2017

Product: SWO LIMIT

1. "What is limit for SWO a for collecting cash"

"Please refer HRDD circular no 629/210,page no 30."
Reply as on : 06.12.2025, Reference : HRDD 629/2010

Product: TA BILLS

1. How to apply for TA Bills

Please refer HRMD circular no 642/22.
Reply as on : 06.12.2025, Reference : HRMD 642/22

Product: TAB BANKING

1. Tab banking
Please refer Operations Division (General Banking) circular no 42/22,47/22,17/23 & 23/23
Reply as on : 06.12.2025, Reference : OPERATIONS (GB) 23/2023

Topic: HR and Admin - HR

Product: HR and Admin - HR

1. sir kindly provide me circular regarding sick leave, PL

Leave rules relating to officers are laid down under Regulations 31 to 40 of the PNB (Officers) Service
Regulations, 1979, as amended from time to time. Reg 34 is for sick leave. Sick leave may be availed
of only on production of medical certificate by a
Reply as on : 03.11.2025, Reference : SERVICE REGULATIONS
2. Latest circular reagarding Head Cashier Duties and his passing power for littrate or illitrate
customer
GENERAL BANKING DIVISION CIRCULAR NO. 642025Revision in Financial Passing Powers of
Customer Service Associate (CSA), Senior Customer Service Associate (Cash) and Special Customer
Service Associate under XII bi-partite settlement. FOR DUTIES REFER 7552024
Reply as on : 03.11.2025, Reference : GBD 64-2025
3. If HUPM work class of an Officer is increased to 100 in a Sc-3 branch where BM already has 100
power, is the officer is eligible for officiatingKindly guide.
It is as per duties allocated , refer HRMD CIRCULAR NO. 7392023PAYMENT OF OFFICIATING
ALLOWANCE AUTOMATED PROCESS for complete process
Reply as on : 03.11.2025, Reference : HRMD 739/2023
4. From where we can find latest Fingertips for promotion exam
The content for promotion is being updated on regular basis on promotion corner folder in knowledge
repository. please stay tuned for regular updates. ALL THE BEST
Reply as on : 03.11.2025, Reference : PROMOTION MATERIAL
5. can we approve 1 day sick leave without sickness and fitness certificate . Please guide Sir .
Leave rules relating to officers are laid down under Regulations 31 to 40 of thePNB (Officers) Service
 Regulations, 1979, as amended from time to time. Reg 34 is for sick leave. Sick leave may be availed
of only on production of medical certificate by a m
Reply as on : 03.11.2025, Reference : PAD 03/2024
6. Can a brother be considered dependent on the officer in case of medical insurance and LTC,
where the brother is not earning, and the parents are wholly dependent on the officer
No, the definition of family in partial modification of Clause 16 (v) of the Joint Note dated 11th
November, 2020 for the purpose of medical facilities and for the purpose of LFC, the expression family
of an Officer is also mentioned on point 4 page 17 o
Reply as on : 03.11.2025, Reference : HRD 912/2024
7. Sabbatic leave circulat
please refer point [Link] LEAVE SCHEME FOR WOMEN EMPLOYEES OF BANK TO
MEET THEIR SPECIAL PROBLEMS DURING THEIR CAREER page 14 of HUMAN RESOURCE
MANAGEMENT DIVISION CIRCULAR NO. 4952020
Reply as on : 03.11.2025, Reference : HRMD 495/2020
8. Is fees of jaiib and caiib fee reimbursed on clearance of exam
There is no provision of reimbursement of fees
Reply as on : 03.11.2025, Reference : BANK GUIDELINES
9. How many NOCs are allowed for outside exam.
Not exceeding 04 times in a calendar year refer HRMD CIRCULAR NO. 7532024NO OBJECTION
CERTIFICATE FOR OUTSIDE EMPLOYMENT APPLICATION APPROVAL PROCESSING
THROUGH HRMS FOR WORKMEN EMPLOYEES
Reply as on : 03.11.2025, Reference : HRMD 753/2024
10. are we make co borrower to our brother in our staff housing [Link] circular please
No, Acquiring a plot and constructing a house thereon in the name of the borrowing members of the
staff or by the borrowing member of the staff jointly with hisherspouse or in the name of his wife
alone is allowed . please refer HRDD Circular No. 9342024
Reply as on : 03.11.2025, Reference : HRDD 934/2024
11. what is the cash timing in the branch as per bank circular
Refer PERSONNEL ADMINISTRATION DIVISION CIRCULAR LETTER NO. 172015 November 26,
2015 UNIFORM BUSINESS HOURS OF BANK For Cash Transactions Upto 4 [Link] Non-Cash
Transactions Upto 4.30 p.m
Reply as on : 03.11.2025, Reference : PAD 17/2015
12. is spouse is also working in PNB in officer cadre and when will husband apply for transfer
under compassionate ground as per the circular is applicable for workmen only also what are
the guidelines and time period for the tranfser.
Please refer conditions for transfer on compassionate basis as per point 1.3 page 10 of HRMD
CIRCULAR NO. 8162025
Reply as on : 03.11.2025, Reference : HRMD 816/2025
13. Can we give loan to spouse of a staff under public scheme of otherwise heshe is eligible
YES . PLEASE REFER POINT 12.4 LOAN TO RELATIVE OF STAFF MEMBERS Page 116 ofIRMD
LA Cir. No. 40 2025-Policy for Loaning Powers and Exercising such Powers at Various Levels for
detailed guidelines
Reply as on : 03.11.2025, Reference : IRMD 40/2025
14. Please share the Circular for ANNUAL PERFORMANCE APPRAISAL REPORT (APAR) or
Udaan Appraisal for FY [Link],Nilay RahaSr ManagerMCC 2 Kolkata WestPF
5164751Ph 8100621035
 please go through HRDD CIRCULAR NO. 960 2025 APPRAISAL POLICY FOR OFFICERS
Reply as on : 03.11.2025, Reference : HRDD 960/2025
15. An employee went on deputation for CBI duty in same station where distance of the
deputation is more than 20 km .Can he apply for TA bill (As guideline regarding distance
mentioned in SWCC notice dated 03-06-2025 in HRMS Notice Board). Is there any separate
Circularguideline for TA Bill for CBI duty . because the TA bill was rejected with Remarks NO
TADA FOR CBI DUTY. PAYMENT OF FIXED CHARGE BY BRANCH AS PER BANKS
GUIDELINES. Kindly guide .
Officers who are deputed on CBI duty and are not entitled to TADAlocal conveyance in terms of bank
rules, may be allowed separate conveyance of Rs.100- for attending such duty. Likewise, if, the
same officer who was earlier deputed to CBI duties is called
Reply as on : 03.11.2025, Reference : HRMD 759/2024
16. In which circular do powers w.r.t Postage charge office account mentioned
please refer GSAD CIRCULAR NO242024 GSAD FINANCIAL POWERS, MISCELLANEOUS
FINANCIAL POWERS FINANCIAL POWERS FOR PRINTING AND STATIONERY OF BANK
OFFICERS AT VARIOUS LEVELS
Reply as on : 03.11.2025, Reference : GSAD 24/2024
17. staff car loan circular no
Consolidated Guidelines, regarding Scheme for Conveyance Loan to Staff Members, were circulated
vide HRDD circular no. 917, dated [Link] REFER 918 for revised limits
Reply as on : 03.11.2025, Reference : HRDD 917/2024
18. Job profile of csa armed guard posted in Currency chest
REFER CSA roles and responsibilities as per HRMD CIRCULAR NO. 7552024. FOR GUARDS
PAGE 62 PRINTED IN PDF
Reply as on : 03.11.2025, Reference : HRMD 755/2024
19. WHERE WE CAN GET TOTAL NUMBER OF BRANCHES NAME AND SOL ID UNDER
DIFFERENT CO AND ZOREGARDS
List of branches is available in [Link] (branches folder available in About us)
Reply as on : 03.11.2025, Reference : BANK WEBSITE
20. DUTY OF SENIOR OFFICE ASSISTANT OF CIRCULAR AND THE KEY CUSTODY OF BRANCH
CSA roles and responsibilities are mentioned as per HRMD CIRCULAR NO. 7552024. for key related
guidelines refer Refer IAD CIR. No. 19 2020 dated 31052020for detailed guidelines
Reply as on : 03.11.2025, Reference : HRMD 755/2024
21. sir competent authority for approval of various matters related to officer is listed in HRDD
CIRCULAR NO. 9622025. competent authroity to approve noc outside employement, noc for
passport, NOC higher studies in case of workmen employees is mentioned in which circular.
Please refer HRMD circular no 831 -2025 , hrmd 753 -2024 and pad 13-20214 for the same
Reply as on : 03.11.2025, Reference : HRMD 831/2025
22. As per latest BPS signed, under new duties of CSA and SCSA, there is a term called
Dedicated and Exclusive Cash counter. What does this mean and is there any bank guidelines
with respect to that
A dedicated and exclusive cash counter refers to particular cash counter assigned solely for specific
cash related work only and is used where cash handling is critical.
Reply as on : 03.11.2025, Reference : CASH GUIDELINES
23. How to reduce staff clean overdraft facility, CBS is not allowing to modify and even in HRMS
module is not available.
Bank has implemented an ITSM ticketing tool BMC Remedy for lodging and resolving tickets to
address the various technical issues faced at field level please refer Non CBS Circular No.
HOITD182025 Dt. 02.07.2025 Escalation matrix for resolution of queries
Reply as on : 03.11.2025, Reference : ITD 18/2025
24. Is a Internal Senior Auditor Touring eligible for availing entertainment expense of Rs.12,200.00
yearly under Staff Welfare in HRMS. As understood from circulars, there is no restriction.
Moreover, these days canvassing for loans and deposits is everybodys duty and meetings
with prospective customers are part of it.
Entertainment expenses can be claimed for business development meetings with customers. The
limits for entertainment expenses vary depending on the scalecadre of the employee. as per HRMD
495-2020 there are no restrictions for Internal Senior Auditors for
Reply as on : 03.11.2025, Reference : HRMD 495/2020
25. MATERNITY LEAVE GUIDELINES FOR OFFICERS
Kindly refer to PAD CONSOLIDATED CIRCULAR NO.032014 LEAVE RULES RELATING TO
OFFICER STAFF for detailed guidelines. In case of any issue kindly contact your CO or ZO HRD
team.
Reply as on : 03.11.2025, Reference : PAD 03/2014
26. How to extend Sabbatical Leave while sabbatical leave taken for 3 months will end after
10days
Kindly refer to PAD CONSOLIDATED CIRCULAR NO.032014 LEAVE RULES RELATING TO
OFFICER STAFF, The women employees of bank can take Sabbatical Leave to meet their special
problems during their career. The period of leave shall be maximum of 2 years during the
Reply as on : 03.11.2025, Reference : PAD 03/2014
27. An employee of our bank can act as an Proprietor in any busniess activities in which he is
intrested or talented (such as paintng,desgining,astrology etc ) in HUF s karta capacity .
Kindly refer to PUNJAB NATIONAL BANK OFFICER EMPLOYEES (CONDUCT) REGULATIONS,
1977, No officer employee shall, except with the previous sanction of the bank, engage directly or
indirectly in any trade or business or undertake any other employment.
Reply as on : 03.11.2025, Reference : OFFICERS SERVICE REGULATION
28. Circular regardibg to passing of oayment voucher of illitrae customer
Please refer point 12. ACCOUNTS IN THE NAMES OF ILLITERATES Page 61 of BUSINESS
ACQUISITION RELATIONSHIP MANAGEMENT DIVISION DEPOSIT MARKETING CIRCULAR NO.
35 2025
Reply as on : 03.11.2025, Reference : BARM 25/2025
29. HOW TO CLAIM EXAM FEES PAID FOR CAIIB
There is no provision of exam fees in CAIIB.
Reply as on : 03.11.2025, Reference : GENERAL GUIDELINES
30. Are there any guidelines to pursue higher education for employees Please guide me if there is
any circular regarding the same.
Kindly refer to CLI Circular no. 08 2025 and subsequent circulars for detailed guidelines.
Reply as on : 03.11.2025, Reference : CLI 08/2025
31. I was transferred on request from ghaziabad to etawah after 3 years of stay at previous place
 of posting. Shall I get 15 days diem also.
Kindly refer to HRMD Circular no. 759 2025, TADA shall be admissible to those officers on Inter
Circle transfers to another Circle who have put in more than 3 years of service in one Circle in officer
cadre as on 31st March of that year. No 15 day halting
Reply as on : 03.11.2025, Reference : HRMD 759/2025
32. WITHIN HOW MANY MONTHS WE HAVE TO APPLY FOR TA BILL ON PROMOTIONAL
TRANSFER.
Kindly refer to HRMD Circular no. 759 2024 REIMBURSEMENT OF EXPENSES ON TRAVEL ON
DUTY AND TRANSFERLEAVE TRAVEL CONCESSION (LTC) All TA bills to be entered in HRMS
system within 15 days.
Reply as on : 03.11.2025, Reference : HRMD 759/2025
33. Duties of pts A ND clerk
Kindly refer to HRMD Circular no. 755 2024 dated 21.03.2024, REVISION IN WAGES AND OTHER
SERVICE CONDITIONS OF WORKMEN UNDER 12TH BI-PARTITE SETTLEMENT and previous
Bi-partite settlements for detailed guidelines.
Reply as on : 03.11.2025, Reference : HRMD 755/2024
34. How to calculate Encashment of LFC
Please apply in HRMS under self service-leaf fare concession ta-lFC encashment then fill the
encashment details block details and PL encashment if any . it will show you the entitled amount for
encashment.
Reply as on : 03.11.2025, Reference : HRMS
35. What is the timeline to complete staff accountability of suspended staff (Officer)
Kindly refer to IAD Circular no. 10 2025, Staff Accountability Policy, TIME SCHEDULE FOR
EXAMINATION OF STAFF ACCOUNTABILITY
Reply as on : 03.11.2025, Reference : IAD 10/2025
36. Which leave can be availed for taking care of dependents in case of medical emergency
For women Sabbatical leave is an added leave else there is PL which you can avail.
Reply as on : 03.11.2025, Reference : LEAVE RULES .
37. In the staff Housing Loan interest rate isNo Of Staff Housing LoanSanction limit Int table
CodeRate of InterestSingle Loan AccountUpto Maximum LimitLTHLLUpto 40 lac @ 5.50Above
40lac @ 6.00More than one loan accountUp to 40 lacLTHLL5.50 Above 40 lacLTHL86.00We
have staff who have already availed Housing Loan of Rs 37 lakh and now another Loan of Rs
84 lakh has been [Link] staff will get another 40 lakh @ 5.50 ROI and and rest 44
lac @ 6.00 Roi or we need to open account with 3 lac @ 5.50 and remaining 81 lac @ 6.00
More than one loan account for 3 lakh LTHLL 5.50 roi and another loan account of 81 lakh with
interest table code LTHL8 . For detailed guidelines refer HRDD CIRCULAR NO 9342024
Reply as on : 03.11.2025, Reference : HRDD 934/2024
38. STAFF HAS APPLIED FOR HOUSING LOAN UNDER STAFF [Link] PROPERTY
FOR MORTGAGE IS IN JOINT NAME OF STAFF SPOUSE AND SOLE LEGAL HEIR (SON).AS
PER HRDD CIR NO 9342024,THERE IS NO CLEAR GUIDANCE ON THIS [Link]
CONFIRM WHETHER SUCH PROPERTY IS ELIGIBLE FOR MORTGAGE UNDER STAFF
HOUSING LOAN.
Please refer point 9 a) Page 8 of HRDD Circular No. 9342024 SCHEME FOR HOUSING LOAN TO
STAFF MEMBERS Acquiring a plot and constructing a house thereon in the name of the borrowing
members of the staff or by the borrowing member of the staff jointly with
 Reply as on : 03.11.2025, Reference : HRDD 934/2024
39. I have a sp code for corporate agent insurance what is the incentive for it
Please refer Page 153 of Policy for Learning and Development CLI CIRCULAR NO 102025 The
Specified Persons (SPs) i.e. FreshExisting will be considered forhonorarium upon completion of their
SP certification. The payment of Honorarium will be Rs. 5,000- fo
Reply as on : 03.11.2025, Reference : CLI 10/2025
40. The parental leave of 15 days we get, that leave is a special leave or it is cut from our PL leave
Paternity leaves are treated as special leave
Reply as on : 03.11.2025, Reference : LEAVE RULES .
41. I am unable to find the circular for deputation of staff at home centrehome circle on medical
ground, if the staff is posted at any other circle.
Refer point 10. TEMPORARY TRANSFERDEPUTATION page 16 of HRMD CIRCULAR NO.
8162025 for the same.
Reply as on : 03.11.2025, Reference : HRMD 816/2025
42. Can an employee claim halting allowance in case of ICT with less than 3 years of service in
previous circle
For detailed guidelines related to halting allowance please refer point [Link] ALLOWANCE TO
OFFICERS JOINING AT NEW STATION ON PROMOTION AND OTHER ADMINISTRATIVE
TRANSFERS page 61 of HUMAN RESOURCE MANAGEMENT DIVISION CIRCULAR NO. 4952020
Reply as on : 03.11.2025, Reference : HRMD 495/2020
43. Who is the Authority to crystallized the loss in a loan account for forfeiting gratuity
Board is the competent authority to forfeit the gratuity in case of loss in a loan account. Kindly refer to
PF PENSION FUND DEPTT. CIRCULAR NO.122020.
Reply as on : 03.11.2025, Reference : PFD 12/2020
44. sir i would like to know that if any female customer is taking sick leave in a [Link] how
many days she could take sick leave without application in a month. please provide me
cicrcular regarding this.
In partial modification of Leave Rules, Annexure Vl clause 5(b) of Joint Note dated llth November,
2020, women employees shall be allowed to take one day Sick Leave per month without production
of medicalcertificate . Application is required in all case.
Reply as on : 03.11.2025, Reference : LEAVE RULES .
45. Kindly clarify whether the Met Suraksha loan will be over and above the Max eligible limit in
case of Home loan for for officers upto scale III i.e. 120.00 [Link] an officer applies loan
amount of Rs. 120.00 Lacs then whether we include the met suraksha over and above the limit
or the max limit will be Rs. 120.00 lacs including met [Link] guide.
The insurance cover shall be over and above the extant of loan, at prescribed margin, for which the
employees are otherwise eligible, subject to maintenance of LTV ratio and repaying capacity of the
employee in line with the scheme. Refer point 24 page Pa
Reply as on : 03.11.2025, Reference : HRDD 934/2024
46. Couple working in PNB If husband is posted in Ahmedabad circle for last 4 years and wife is
posted at Vadodara circle for last 4 years can they apply compassionate spouse ground
ICT(both working in PNB ) for Pune circle at the same [Link] guide
Married Couples (Both in PNB)- Endeavour would be to post them at the same station (may not
necessarily be a station of choice) depending on Banks requirementavailability of vacancy. Please
refer point 1.3 TRANSFER ON COMPASSIONATE GROUNDS for details .
 Reply as on : 03.11.2025, Reference : HRMD 816/2025
47. Is Part Time Sweeper (13) eligible for staff car loan as year of service is 8 years. Kindly clarify.
Car Loan to permanent members of subordinate staff (Excluding Sweepers) is allowed as per terms
conditions of existing scheme for conveyance loan to staff members, with minimum 05 years of
service, to the extent of maximum Rs. 5.00 lakhs as per income el
Reply as on : 03.11.2025, Reference : HRDD 917/2024
48. Whether medical certificate is required to avail one day Sick leave
In partial modification of Leave Rules, Annexure Vl clause 5(b) of Joint Note dated llth November,
2020, WOMEN employees shall be allowed to take one day Sick Leave per month without production
of medicalcertificate .
Reply as on : 03.11.2025, Reference : LEAVE RULES .
49. Respected SirMadam1. In staff housing loan can we sanction new repairrenovation loan under
staff scheme without adjusting previous repairrenovation loan. 2. Is sanction of
repairrenovation loan under staff scheme cumulative OR Restore [Link] it is restore basis
what amount we consider of old loan - sanction amount or outstanding amount.
1) Facility for repairsrenovation of existing premises will be available after two years of initial
constructionoriginal purchase in case of ready built houseflat and will thereafter be further sanctioned
after minimum two years period, on adjustment of t
Reply as on : 03.11.2025, Reference : HRDD 934/2024

Topic: IT and Cyber Security

Product: IT and Cyber Security

1. One of our customer is having cash credit facility in our branch in his individual name and his
cust id is in retail. He does not have SB account in our branch and wants to do transactions
through his CC via mobile banking kindly guide whether he will do the same via PNB One or
PNB one Biz and also provide SOP for the same.
To enroll for PNB One facility the customer must be registered under the retail category in CBS and
the account must have a constitution code of either 001 or 011 and mode of operation as Self or
Proprietorship. Besides above-mentioned eligibility Active
Reply as on : 18.10.2025, Reference : DBD Cir. No. 22_2025
2. Housing loan 0126009100000096 has been sanctioned to borrower in form of Overdraft .
Scheme is ODMAX - OD MAX SAVER . The borrower require interest certificate for filling his
[Link] has been suggested to give him interest certificate manually. We have calculated the
interest manually but how to calculate the principal amount paid during the financial year. The
account is on reducing DP [Link] provide formula for calculating principal amount paid
during the financial year in this case.
Issuance of interest Certificate For Income Tax Purpose. a. Principal Component Branches will issue
certificate towards repayment of loan only to the extent of principal component of EMIs remitted.
Credits over and above the EMIs should not be considered
Reply as on : 18.10.2025, Reference : RABD 48_2025
3. Is there any option in corporate internet APP PNB BISS multiuser (old AC) to single user .
Not allowed using PNB One Biz app. A one-time conversion of profile is permitted upon duly signed
request of corporate customer, allowing conversion from Single User Profile to Multiuser Profile and
vice versa. Navigation Corporate Net Banking Login_ Cor
Reply as on : 18.10.2025, Reference : DBTD 52_2024 Annexure B
4. Is there any facility for loan account holders to get their monthly statements automatically
every month on regular basis, if they do not have any other account (savingscurrentCCOD) in
our bank. Please guide.
as per DIGITAL BANKING DIVISION CIRCULAR NO. 30 2021 pertaining to Consolidated Guidelines
on Monthly e-Statements, loan accounts are eligible to receive monthly account statement. Please
register email as per extant guidelines.
Reply as on : 18.10.2025, Reference : DBD. 30 2021
5. HOW TO GIVE NET BANKING IN JOINT CURRENT ACCOUNT
Individual Joint Account Holders having mode of operation as ES, FS, Anyone or Survivor can be
provided with Retail IBS provided they are primary account holder in at least 1 operative account with
the Bank. Corporate IBS can be provided to account holde
Reply as on : 18.10.2025, Reference : DBTD 21_2025
6. What is the procedure for closure and revalidation of demand draft
MENU OPTION HDDC used for CANCELLATION OF DEMAND DRAFT, to know in detail with
screenshot please refer below path Knowledge centre_ Knowledge Repository_ Manuals_ CBS_
Chapter 11_ Page no 5 and use MENU - DDREVAL for revalidation of DDCash order to know i
Reply as on : 18.10.2025, Reference : IAD cir. no 18_2019
7. Can cc or od avail internet banking
Please refer to our policy on Internet Banking (DBTD 21_2025) which clearly mention that Internet
Banking Services (IBS) can be provided to customers, who are KYC compliant, having an active
operative account (SavingCurrent Overdraft Cash Credit) with the
Reply as on : 18.10.2025, Reference : DBTD 21_2025
8. Duties of the atm owneratm incharge as per bank guidelines
To know in detail the role and responsibility for ATM owner custodian, please refer ADC
OPERATIONS DIVISION Circular No. 23 2023 regarding ATM MANAGEMENT
Reply as on : 18.10.2025, Reference : ADC OPERATIONS DIVISION Circular No. 23 2023
9. HOW TO USE THE MENU TMPS FOR SUBSIDY TRANSFER PLEASE QUOTE THE DETAILED
PROCEDURE CIRCULAR
All the transactions relating to subsidy amount in Linked Subsidy SB Account i.e. crediting the
Principal Subsidy or Debiting the Principal Subsidy shall be done through TMPS menu option. To
know SOP please refer Circular No. ITDCBS052019 dated 27.03.2019
Reply as on : 18.10.2025, Reference : ITDCBS052019
10. Can a officerDy manager2nd men in GBB branch be authorised to reply the mails of the
branch
For generic IDs Shared mailbox of branch, Ownership of email ID will be with incumbent In-charge.
The ownership may be delegated through an office order by the respective owner.
Reply as on : 18.10.2025, Reference : ITD CIRCULAR No. NON-CBS HOITD082025
11. Sir,How many Active enabled DB user can be in RCC at a time in one day
as per ITD, no of DB user allowed in a SOL1. No of staff 10 then user allowed 22. No of staff 10 20
then user allowed 33. No of staff 20 then user allowed 5
Reply as on : 18.10.2025, Reference : ITD
12. customer want to pay his children fees online. what is the transaction limit for the ecommerce
transaction where customer has received the payment link from his education institute
Transactions will be done by customer as per limit set in IBSPNB One. However, the limit of PNB
ONE can be increased to 10 lakh and for IBS to 15 lakh. Please refer DBD Cir No. 22_2025 (PNB
 One) and DBTD Cir No 21_2025 (IBS).
Reply as on : 18.10.2025, Reference : DBD Cir No. 22_2025
13. with reference to ITD NONCBS Circular no 102025 dated 16.04.2025 page 4 point 10 provide
account no for Preparation Modification of computer ATMsite including furnishing, electrical
works,network cabling, patch panels, network racks,IO units, etc.
Code for Revenue Expenditure (For ZOs COs Branches) 1122009. For more details, please refer ITD
NON-CBS 19_2023 regarding REVENUE CODES RELATING TO IT EXPENDITURE
Reply as on : 18.10.2025, Reference : ITD NON-CBS 19_2023
14. CAN ANY BANK EMPLOYEE OTHER THAN THE CTO. MAKE A SINGLE ENTRY ENTER OR
POST BY SAME USER.
maker checker concept has been implemented in CBS to make sure that no transaction shall be
entered and posted by same user in Cash Transfer Transactions except for transactions done by
SWO-A SWO-B as per IAD circular No. 312016 dated 05.12.2016 on pass
Reply as on : 18.10.2025, Reference : Refer GB 20_2024
15. PLEASE GUIDE WHERE ISCATM RESPOSE CODE LOCATED
ATM Response codes are located at SPECIAL LINKS of DBTD.
Reply as on : 18.10.2025, Reference : ATM
16. Can we know why an account is freezed with reason code cyber fraud, can we find the details
and may convey the same to the customer
If Reason code 045 means Cyber Fraud Reported at FRMD ZO if Reason code 046 Suspected
Misused Mule Account. If any account freezed with freeze reason code 045 or 046 is required to be
unfreezed for allowing operations in the account by customer, the same
Reply as on : 18.10.2025, Reference : TMD 52_2024
17. What is the Manuals procedure for corporate net banking
Customer to submit request via PNB 1212R. Branch to submit request via RM Login under maker
checker concept. User Guide of Corporate Internet Banking was last circulated in DBD Circular No.
61 dated 09-10-2015. To know in detail, please also refer DBTD Ci
Reply as on : 18.10.2025, Reference : DBD Circular No. 61
18. ousing loan 0126009100000096 has been sanctioned to borrower in form of Overdraft .
Scheme is ODMAX - OD MAX SAVER . The borrower require interest certificate for filling his
[Link] report PNB3_56C is only generating interest certificate for term housing loans. Kindly
resolve how to generate interest certificate for this account.
As per clarification sought from HO, Report for TLHCO is already available in MIS vide report
PNBRPT 3_56C and Interest Certificate for Max Saver Scheme is to be prepared MANUALLY.
Reply as on : 18.10.2025, Reference : PNBRPT 3_56C
19. Sir,How to generate the loan account statements for prior migration period of eUNI Branch
Customer
EDW MISD 064 e-OBC Account statement reportEDW MISD 065 e-UNI Account statement report
Reply as on : 18.10.2025, Reference : MISD 064
20. what is the meaning of response code (076) while withdrwaing from atm
076 dormant account
Reply as on : 18.10.2025, Reference : ATM Response Code
21. what is the cbs menu option to mark usedtransferdestroy standard covering letter S 41 of
Bank Guarantee.
 Separate menu BGSCLP is customized for issuance of standard covering letter S 41 while issuing a
Bank Guarantee. This menu to have following options ADD, Verify, Cancel and Inquiry. (CRMD
Circular No. 152025). No such CBS option for marking used transfe
Reply as on : 18.10.2025, Reference : CRMD Circular No. 152025
22. in some ODCC account , during transaction passing, system showing message Limit Liability
exceeds. Manager and above power can verify that transaction. Pls mention circular no and
what to modify in CBS, so that officer can pass the transaction upto their power
Issue pertains to Limit Node Please using menu HLTL.
Reply as on : 18.10.2025, Reference : HLTL
23. customer wants to change her mobile number in her NRE account via her registered email
id(without coming in INDIA). As per my knowledge, we cannot change mobile number without
customer presence. I also searched on e circular regarding change mobile number. But i did
not get the circular. Please guide me with proper circular to revert back to customer .
As per clarification from NRI Cell, please be guided as per prevailing guidelines. Customer has to
visit the base branch sign the register maintained with Official at branch for updating registered
mobile number in the account. (reference nri@[Link])
Reply as on : 18.10.2025, Reference : NRI
24. Please guide how to make bulk fdr in cbs finacleten.
Term deposit can be opened separately in CBS, no provision for BULK opening of term deposit.
Reply as on : 18.10.2025, Reference : Bulk FDR
25. personal accident insurance coverage for debit card holders please inform related circular.
please refer BUSINESS ACQUISITION RELATIONSHIP MANAGEMENT DIVISION -CARDS AND
MAB CIRCULAR NO. 082025 dated 17-04-2025.
Reply as on : 18.10.2025, Reference : BARM 082025
26. Customer having cash credit facility can not deposit money in BNA without [Link] which
card can be issued to a cash credit customer so that he can deposit money in BNA
Please refer OPERATIONS DIVISION ADC RECON CIRCULAR NO. 032025 wherein bank has
withdrawn Card-less Cash Deposit transactions in CACCOD accounts through BNA w.e.f 01.04.2025
and as per Policy for Debit Card (BARM MAB 05_2025) Overdraft accounts with in
Reply as on : 18.10.2025, Reference : BARM MAB 05_2025
27. Please provide Manual for OD Reducing DP Scheme code ODLPR. Wether system automatic
reduce the DP monthly Basis or we have to reduce the DP manually.
As per clarification sought from MSME HO, it is manually as of now.
Reply as on : 18.10.2025, Reference : HO Clarification

Topic: Operations - FI
Product: FI

1. can we issue ATM card to illiterate customer?

Yes Debit card can be issued to illiterate persons in saving account, as per their special request.
PAGE 22 OF 37 of circular of “Policy for debit cards” no. 05/ 2025 dated 09-04-2025.
Reply as on : 18.11.2025, Reference : “Policy for debit cards” no. 05/ 2025 dated 09-04-2025.
2. what is the procedure to provide debit card to the illiterate customers without sign explain
detail?
Debit card can be issued to illiterate persons in saving account, as per their special request. PAGE 22
 OF 37 of circular of “Policy for debit cards” no. 05/ 2025 dated 09-04-2025.
Reply as on : 18.11.2025, Reference : “Policy for debit cards” no. 05/ 2025 dated 09-04-2025.
3. Deposit and withdraw charges circular?
Please be guided by circular no. 52/2025 dated 31-10-2025 of BUSINESS ACQUISITION &
RELATIONSHIP MANAGEMENT DIVISION (DEPOSIT& MARKETING) "MODIFICATION IN NON-
CREDIT RELATED SERVICE CHARGES" page 9 of 21.
Reply as on : 18.11.2025, Reference : no. 52/2025 dated 31-10-2025 of BA & RM Deposit and
marketting
4. I want circular regarding withdrawal slip limit?
Please be guided by Book of instruction, chapter 6,IAD CIR. No. 21/18 DATED 05.06.2018, page 11.
Reply as on : 18.11.2025, Reference : For threshold limit in BSBD account please refer circular of
TMD 12/ 2025 dated 10-09-2025
5. WHAT IS THE SCHEME CODE FOR OPENING OF PRANAAM FIXED DEPODSIT
SCHEMEPLEASE GUIDE ABHISHEK SHARMA989600278?
Please be guided by circular no 46/2025 dated 29-09-2025 of BUSINESS ACQUISITION &
RELATIONSHIP MANAGEMENT – DEPOSIT & MARKETING "ADVISORY REGARDING OPENING
OF DEPOSIT ACCOUNTS IN CORRECT SCHEME CODES AND GL CODES MEANT FOR BANK
AND NON-BANK CUSTOMERS".
Reply as on : 18.11.2025, Reference : circular no 46/2025 dated 29-09-2025 OF BA &RM Deposit &
Marketting
6. Can we replace the first holder name with second holder in a pension account we have
received a request from customer regarding change in his pension account name as pension
dept is not accepting the account where pensioner in second holder in jointly operated account
with his spouse whereas they are insisting to change the name in his account provided to them
for pension at the time of retirement?
Preferable new account to be opened of the customer as pensioner to be the primary account holder.
Reply as on : 24.09.2025
7. Can a guardian be changed during the period of the account of Sukanya Samriddhi Account?
Guardian can be changed only if the first guardian has expired.
Reply as on : 24.09.2025, Reference : NA

Topic: Operations - Govt Business, KYC and Currency Chest

Product: Operations - Govt Business, KYC and Currency Chest

1. can netbanking be given to CCOD accounts

Internet Banking Services (IBS) can be provided to customers, who are KYC compliant, having an
activeoperative account (SavingCurrent Overdraft Cash Credit) with the Bank and capable of using the
facility. It is available to both Resident and NonResident
Reply as on : 21.10.2025
2. Sir, as per circular No.362025, DPMD Div. Dt.30092025, threshold limit for BSBDA account
revised from 2.00 lacs to 6.00 lacs which is not reflected in system till now. Is this going to
update in system automatically or updated by branch after obtaining self-declaration.
As per DPMD 36-2025, Any increase in threshold limit shall be done through menu option THRESHLD
formaintaining proper record of such increase in [Link] proceed accordinglyRegards
Reply as on : 21.10.2025
3. Is there any way to download old gold bond certificates,
For the above mentioned certificate, please refer to the tranche wise details mentioned in the SGB
folder under Morning checking reports.
Reply as on : 29.09.2025
4. In case of accident can customer claim for both PMJJBY and PMSBY if enrolled for both the
schemes
Yes, please both can be claimed if taken.
Reply as on : 29.09.2025
5. sir , can a lady open a scss account at the age of 58
Yes, as per guidelines any customer who has attained the age of fifty-five years or more but less than
sixty years, and who has retired on superannuation or otherwise on the date of opening of an account
under this Scheme, subject to the condition that th
Reply as on : 13.09.2025
6. how to close sovereign gold bond
The same can be applied for, on maturity or only after the fifth year of investment on interest payment
datesor coupon payment dates , when Window for redempton is opened. The same is based on
simple average of closing price of gold of 999 purity of previ
Reply as on : 13.09.2025, Reference : GBD 53/2022
7. Customer name change related circular.
Books of Instructions IAD General Instructions para 45 onwards. Regards.
Reply as on : 13.09.2025
8. We have received frequent request from branches for KYCRELAX in accounts where the
customers have been deceased and the accounts have to be closed. But there is no guidelines
regarding the KYCRELAX. Please provide the other solution or guidelines for the same.
There is no circular pertaining to KYCRELAX. This is use to allow exceptions in case of unfreezing of
accounts due to Garnishee OrderAttachment OrderCourt Order. This menu option shall be exercised
by the Circle Office level only.
Reply as on : 13.09.2025
9. Dear Sir,Please guide us about the circular on KYCrelax and when to execute kyc relax and
also in whose power the authority lies to apporve kyc [Link] have one fd and we are unable
to even modify crm and spsd has said to run kyc relax from circle office to close the fdr. Kindly
guide us about KYC relax menu
No Circular on KYC Relax . KYRELAX was introduced in CBS to allow exceptions in case ofallowing
unfreezing of accounts due to Garnishee Orders IT AttachmentCourt Order [Link] menu shall eb
excercised by Circle Offices .
Reply as on : 13.09.2025
10. Whether we can issue cheque book in SBNRO account
No restriction as such mentioned in the guidelines. Please proceed accordingly. Regards
Reply as on : 13.09.2025
11. Can be add mobile number through ALERTS menu option for an illiterate person
Yes, an illiterate person can be given Alerts provided he gives an undertaking that he has understood
the terms and conditions duly witnessed . Kindly ensure making a note of the same in the relevant
register. Regards
Reply as on : 13.09.2025
12. How can Holder ID of SSA account is transfers from current Branch to Another beneficiary
branch in which SSA account is already got transferred .Please Guide the path or SOP in this
regards.
In this case , kindly transfer out the Holder ID as well to the Transferree branch in the Govt. Business
portal. Regards.
Reply as on : 01.09.2025
13. How many times customer can extend the PPF account
A customer can extend the tenure of a Public Provident Fund (PPF) investment for any number of
times of block period of 5 years each time beyond the maturity period by submitting the application
within one year from the date of maturity.
Reply as on : 01.09.2025
14. circular on clean note policy
Sir, please refer GBD Circular No 40-19 dt.01.05.19, Clean Note Policy - Scribbling on Banknotes,
Note Banding. Regards
Reply as on : 01.09.2025, Reference : GBD Circular No 40-19 dt.01.05.19
15. How many nominations can be made in SCSS account. no such details has been provided in
circular of [Link] DIVISION CONSOLIDATED CIRCULAR [Link]- 13 2020.
[Link] DIVISION CONSOLIDATED CIRCULAR [Link]- 13 2020. Please refer to the
perform aon page no 10, upto 4 nominations can be made in the account .Kindly proceed
accordingly. Regards
Reply as on : 01.09.2025, Reference : [Link] DIVISION CONSOLIDATED CIRCULAR
[Link]- 13 2020
16. HOW TO OPEN POLITICAL PARTY ACCOUNT
To open an account for a political party, the party must be registered with the Election Commission of
India. The registration documents proof along with KYC and due diligence (authorized signatory,
resolution )would be required to open an account for a p
Reply as on : 25.08.2025
17. what are specific document requirement for change of name insaving current corporate
accounti.e ram bhadur to ram singh. Please specify the circular with date and how many time
name can be change in life span
In this case, kindly refer to the para 45.1 under the books of Instructions( IAD) Customer Accounts
General Instructions and proceed [Link], the guidelines do not specify the number of
times that customer can change his name in his lifespan.R
Reply as on : 18.08.2025
18. who cant be the natural guardian in muslim minor
For a Muslim minor, Father is the natural guardian. After father, guardianship lies with (i) executor
appointed by fathers will and after him (ii) fathers father (iii) the executor appointed by the will made
by the fathers father. Where none of these pers
Reply as on : 18.08.2025
19. according to rbi who is allow to be a natural guardian for the sake of account opening of the
minor
As per banks guidelines, a guardian to a minor can be a (a) Natural Guardian, or (b) Legal Guardian,
or (c) Testamentary Guardian. For details please refer page no 27 of Operations and CASA Back
Office book in Knowledge Park. Regards
Reply as on : 18.08.2025
 20. what is the procedure of executing KYCRELAX menu in Circle Office Please provide the
number of the circular
Sir, There is no circular regarding KYCRELAX Menu. Menu can be used for unfreezing of accounts
without uploading KYC in cases like Garnishee Order, IT Attachment Order, Court Order etc.
Regards,
Reply as on : 11.08.2025
21. AFTER EXTENSION OF PPF ACCOUNT CAN WE PREMATURE CLOSE THE ACCOUNT ON
REQUEST OF CUSTOMER APART FROM THREE CONDITION WHICH IS MENTIONED IN
CIRCULAR
No, after extending a PPF account, premature closure is not permitted for reasons beyond the three
specified in the circular life-threatening illness, higher education, or change in residency status. Even
with an extension, these three conditions remain t
Reply as on : 11.08.2025
22. What is the limit for payment of a bearer cheque
No such limit as defined for base branch though it is advised to follow proper due-diligence measures
. Third party payment intersol limit in saving account restricted to 50,000- transfer to 1,00,000-In case
of Intersol limit in Current account, third par
Reply as on : 11.08.2025
23. How a customer can do KYC online without visiting branchkindly provide the process
The customer can do KYC Online using the Video-KYC Facility on our digital platform. The latest
circular for SOP of revamped Video KYC Platform - GENERAL BANKING DIVISION CIRCULAR NO.
552025
Reply as on : 11.08.2025
24. SIR THRESHOLD LIMIT FOR SB AND CA IS 10 AND 25 LAKH RESPECTIVELY, IF A SAVING
ACCOUNT HOLDER IS FILLING RETURN OF RS 5.00 LAKH AND ASK FOR THRESOLD LIMIT
OF RS 15.00 LKAH CAN WE INCREASE THRESHOLD TO 15 LAKH.
In terms of Bank Guidelines, if customer submits the proof of income, then limit of 150 of Expected
Annual Credits declared by customer in AOF can be allowed.
Reply as on : 11.08.2025
25. solvency certificate circular
PLEASE REFER LOANS ADVANCES CIRCULAR NO. 98 2024, GUIDELINES FOR ISSUANCE OF
SOLVENCY CERTIFICATE-MODIFICATION AND CONSOLIDATION. REGARDS
Reply as on : 11.08.2025, Reference : LA 98/2025
26. what is the maximum limit for threshold in saving account as per customer undertaking
onlyPlease refer circular also
In case a customer doesnt submit documents and instead submits self-declaration to this effect,
threshold limit shall be fixed as specified in the above circulars i.e. 150 of Expected Annual Credits
declared by customer in AOF (on pro-rata basis for resid
Reply as on : 25.05.2025, Reference : TMD Circular No 01-2025

Topic: Operations - Operations and CASA Back Office

Product: Operations - Operations and CASA Back Office

1. How to handle issues related to DMS of non individual accounts

The Job Card for Non Individual customers is already available on Knowledge Centre - Knowledge
Repository>>SOPs>>Operations Division. In case for any issues or support, please contact DMS
 Helpdesk at 01244176884/4176988 or mail at dmstechhelp@[Link] (
Reply as on : 05.07.2025, Reference : Operations Division (CASA Back Office) Circular no. 01/2024
2. What is capial gain account ?
For detailed guidelines related to capital gain are available in RETAIL LIABILITY BUSINESS
DIVISION CIRCULAR NO. 11/2023
Reply as on : 05.07.2025, Reference : RETAIL LIABILITY BUSINESS DIVISION CIRCULAR NO.
11/2023

Product: Operations - Operations and CASA Back Office

1. kindly guide regarding issuance of Cheque and Debit card to illiterate persons
Illiterate customers are not issued cheque books. Debit cards can be issued there are no restrictions
for illiterate persons
Reply as on : 05.07.2025
2. Can a system generated letter be generated for customer whose locker rent is due
"Locker Reports can be generated by LKREPM (LOCKREP4) Please Refer chapter 27 available in
Finacle 10 user manual (CBS) in knowledge repository for details.
Reply as on : 05.07.2025, Reference : Chapter 27 available in Finacle 10 user manual (CBS)
3. Can we issue debit card to illiterate customer with thumb impression with his/her consent?
Yes they can be issued . Refer pt 2.1 Eligibility for Debit Card Issuance of Debit Card Policy FY 2024-
25 BA RM DIVISION - CIRCULAR NO. 11/2024
Reply as on : 05.07.2025, Reference : BA RM DIVISION - CIRCULAR NO. 11/2024
4. In scale IV branch how many officials may have 100 power
Maximum 2 users with Work Class 100, in BranchesOffices headed by Scale IV and above Officers,
i.e. Very Large and Extra Large Branches Offices.
Reply as on : 05.07.2025, Reference : IAD Circular No. 12/2019
5. In case of Death of Husband , Can female opertae account as karta if she is having two adult
sons
There is no restrictions regarding female karta in section 6 of Hindu Succession Act. For guidelines
refer pt [Link] Joint Hindu FamilyHUF Death of Karta. Page 89 of POLICY ON BANKS LITIGATION
FOR FY 2023-24 LAW DIVISION CIRCULAR NO 03LAW2023.A Woman c
Reply as on : 05.07.2025, Reference : LAW DIVISION CIRCULAR NO 04 LAW2024
6. Rules about society?
"Rules of society are defined in resolution of the concerned [Link] documentation and other
related aspects refer Book of instructions (operations) available in knowledge repostiory .Term body of
individuals includes societies
Reply as on : 05.07.2025, Reference : OPERATIONS DIVISION (KYC SECTION) CIRCULAR NO.
05/2024
7. Can a customer nominate anyone without physically visiting branch?
Facility to registerupdate nomination is available through Internet Banking PNB One Mobile App i.e.
without visiting branches. BOs to generate EDW report PNB 2.0 Reports- OPR-002 for list of eligible
deposit accounts for nomination for reaching out to ac
Reply as on : 05.07.2025, Reference : CUSTOMER CARE CENTRE CIRCULAR NO. 42/2023
8. What are they documents required to open saving account of TRUST
) Registration certificate ii) Trust deed iii) Permanent Account Number or Form No.60 of the trust iv)
 Documents, as specified in Section 2, relating to beneficial owner, the managers, officers or
employees, as the case may be, holding an attorney to tran
Reply as on : 05.07.2025, Reference : OPERATIONS DIVISION (KYC SECTION) CIRCULAR NO.
05/2024
9. While settling death claim case of locker facility without nominee whether letter of
administration is required or succession certificate is sufficien
When Succession Certificate Letters of Administration Probate is produced as proof of Title, the
genuineness of the document be checked(inspect personally or through counse). It is upto the
satisfaction of sanctioning authority. Refer pt 2.2.4 Legal rep
Reply as on : 05.07.2025, Reference : Law division 04/2024
10. SOP for change of scheme codec of a current account into auto sweep account
Change scheme code using menu option HACXFRSC In HACM menu option in flexi deposit tab
mark auto sweep field as YES
Reply as on : 05.07.2025
11. What is processof sending letter of thanks
REVIEW OF THE PROCESS OF SENDING “LETTER OF THANKS / WELCOME LETTER refer
OPERATIONS DIVISION (CASA BACK OFFICE) CIRCULAR NO. 6 /2023
Reply as on : 05.07.2025, Reference : OPERATIONS DIVISION (CASA BACK OFFICE) CIRCULAR
NO. 6 /2023
12. SOP for current account openimng process through DMS?
REFER OPERATIONS DIVISION (CASA BACK OFFICE) Circular No. 05/2023
Reply as on : 05.07.2025, Reference : OPERATIONS DIVISION (CASA BACK OFFICE) Circular No.
05/2023
13. where can we fing latest guidelines related to daily monitoring system ?
Refer Operations Division (General Banking) Circular No. 25 /2023
Reply as on : 05.07.2025, Reference : Operations Division (General Banking) Circular No. 25 /2023
14. How to avail PPS facility?
facility of Positive Pay System (PPS) through branch, Internet Banking Service (IBS- Retail &
Corporate), Mobile Banking Service (PNB ONE) and SMS Banking. Accordingly, the customer may
submit the details of cheque in Positive Pay System through Branch, I
Reply as on : 05.07.2025, Reference : OPERATIONS DIVISION (GENERAL BANKING) CIRCULAR
NO. 22/2023
15. KYC policy is available in which circular
OPERATIONS DIVISION (KYC SECTION) CIRCULAR NO. 14/2023
Reply as on : 05.07.2025, Reference : OPERATIONS DIVISION (KYC SECTION) CIRCULAR NO.
05/2024
16. Where can one found job card for DMS
Job Card for Branches & CBO’s is available on Knowledge Centre - Knowledge
Repository>>SOPs>>Operations Division.
Reply as on : 05.07.2025, Reference : OPERATIONS DIVISION (CASA BACK OFFICE) Circular No.
09/2023
17. In how many days Records or the information of the customer due diligence carried out by the
third party is obtained ?
Immediately from the third party or from the Central KYC Records Registry
Reply as on : 05.07.2025, Reference : OPERATIONS DIVISION (KYC SECTION) CIRCULAR NO.
 05/2024
18. What is GBPA NO. and its full form
GBPA-General Bank Power of AttorneyIt is a document by virtue of which an officer of the Bank is
entitled to sign. on behalf of the Bank. It is applied online through HRMS and granted accordingly by
HO
Reply as on : 05.07.2025, Reference : GBPA
19. How many persons can we nominate in saving account?
One
Reply as on : 05.07.2025, Reference : LAW 04/2024
20. What are the formalities for Breaking open of the Locker.
Refer para 9 at page no 75 Break open of locker of BA RM DIVISION SAVING DEPOSIT, DEBIT
CARD NRI BUSINESS CIRCULAR No. 08/2024"
Reply as on : 05.07.2025, Reference : BA RM DIVISION SAVING DEPOSIT, DEBIT CARD NRI
BUSINESS CIRCULAR No. 08/2024
21. What is the timing of customer for operating locker in branch?
The operative timings for Safe Deposit Vault (Lockers) should end half an hour before the close of
office hours.
Reply as on : 05.07.2025, Reference : BA RM DIVISION SAVING DEPOSIT, DEBIT CARD NRI
BUSINESS CIRCULAR No. 08/2024
22. kindly guide Jan dhan saving Account guidleines regarding transaction limit and other
details.
Refer FI Div circular 122023 dt 3052023
Reply as on : 05.07.2025, Reference : FI Div circular 122023 dt 3052023
23. Whether PNB Rupay Select Debit Card is issued to all staff members without charges
There will be no charges to staff members for Debit card issuance and AMC on all variant of Debit
cards.
Reply as on : 05.07.2025, Reference : BA RM DIVISION - SAVING DEPOSIT, DEBIT CARD, NRI
BUSINESS OTHER LIBAILITIES BUSINESS CIRCULAR NO. 11/2024
24. Account is in either or survivor mode can we give debit card to second holder or not
Debit card can be provided .
Reply as on : 05.07.2025, Reference : BA RM DIVISION - SAVING DEPOSIT, DEBIT CARD, NRI
BUSINESS OTHER LIBAILITIES BUSINESS CIRCULAR NO. 11/2024
25. If main account holder deceased in mode of operation is E/S,now survivor wants to operate
account,what is the process?
Upon the death of one of the holders of a joint account, where the relative account opening form
provides for payment of balances to the survivors (either or survivorFormer or survivor), the account
will, of course, continue and payment can be made to sur
Reply as on : 05.07.2025, Reference : Book of instructions(operations)
26. Can we open a current account of customer if party is enjoying credit facility"
"As per RBI and IRMD LA cir no. 39-2023, There is no restriction on opening or maintaining of
current accounts by banks if exposure is less than Rs.5 Cr. As per IRMD LA cir no. 145-2023,
ZOCAC is the permitting authority for opening or maintaining of curr
Reply as on : 05.07.2025, Reference : IRMD LA cir no. 39/2023
27. What is the procedure to unfreeze account frozen with Code-011
 "Only Incumbent Incharge can verify Account frozen as per instructions by Investigative Regulatory
body (CBIPoliceEDCIDRBISEBI etc.) has been generated in the CBS system while unfreezing
accounts having reason code 003,006,007,017,020,021,11,999 and the n
Reply as on : 05.07.2025, Reference : Operations Division (General Banking) Circular No. 01 2021
28. What are the criteria to open savings auto sweep g deposit account"
To convert a account to Sweep In account firstly, change the scheme code of ac to required scheme
using HACXFRSC menu [Link], in HACM menu option in Flexi deposit tab, mark auto
sweep field as [Link] ac will be converted to auto sweep ac.
Reply as on : 05.07.2025
29. Which document is required to open a private school account and an educational society pan
card is valid as tax proof to open a school account kindly guide us and provide required
documents list.
"For legal entity documents refer pt 12 page 38 of OPERATIONS DIVISION (KYC SECTION)
CIRCULAR NO. 05/2024
Reply as on : 05.07.2025, Reference : OPERATIONS DIVISION (KYC SECTION) CIRCULAR NO.
05/2024
30. Can customer request to handover his atm card to third person as customer is nri and living
in usa.
Refer pt 2.1.3 Debit Card can be issued to (iv) P.A. Holder/ holder of mandate
Reply as on : 05.07.2025, Reference : BA & RM DIVISION - SAVING DEPOSIT, DEBIT CARD, NRI
BUSINESS & OTHER LIBAILITIES BUSINESS CIRCULAR NO. 11/2024
31. Roles and responsibilities of customer service associates.
REFER HRMD CIRCULAR NO. 755/2024
Reply as on : 05.07.2025, Reference : REFER HRMD CIRCULAR NO. 755/2024
32. can staff withhold payment in an account due to it being a Non-KYC account
Refer pt 20. Freezing and closure of Non- KYC Compliance Accounts page 41 of Operations Division
(KYC Section) Circular No. 05/2024
Reply as on : 05.07.2025, Reference : Operations Division (KYC Section) Circular No. 05/2024
33. what is the procedure for withdrawal money from account if account holder is hospitalized
and in [Link] is not able to sign or in state to confirm the transaction .as account
holder is in unconscious state and his family member want to withdrawal money from his
account for his hospitalization expenses.
Refer Inspection and audit division circular no 64/2007. I&A CIRCULAR LETTER NO. 82 / 2009
dated dec 7, 2009(Operation of Bank Accounts by Old / Sick / Incapacitated Customers)
Reply as on : 05.07.2025, Reference : Inspection and audit division circular no 64/2007
34. can branch issue new passbook to customer having account in another branch
In CBS environment there are no restrictions if supported by application or request of the customer.
In order to provide better customer service and ease of banking, one more facility e-statement
registration has now been introduced through WhatsApp Banki
Reply as on : 05.07.2025, Reference : DBTD CIRCULAR NO. 42/2023
35. Minor account operated by mother, however minor became major now but she abended her
house. Her mother wish to withdrawal cash from the account. please guide can we permit her
mother to withdraw cash from the account operated by her and her daughter not present.
From the date the minor becomes a major, he has the sole right to operate the account (not the
guardian)
 Reply as on : 05.07.2025, Reference : kyc 05/2024
36. WHICH TYPE OF ATMDEBIT CARD PROVIDE INTERNATIONAL LOUNGE ACCESS
Refer BA RM DIVISION - SAVING DEPOSITS, DEBIT CARD, NRI BUSINESS OTHER LIABILITIES
BUSINESS CIRCULAR NO. 242023 DIGITAL PRODUCT - DEBIT CARD PREPAID CARD (all
variants and available facilites)
Reply as on : 05.07.2025, Reference : BA RM DIVISION - SAVING DEPOSITS, DEBIT CARD, NRI
BUSINESS OTHER LIABILITIES BUSINESS CIRCULAR NO. 242023
37. What is the total debit entries in saving account in half year or yearly
The total number of withdrawals, from a saving accounts during half year, whether by cheque or
withdrawal etc. (for non-cash transaction excluding bank induced ATM IBS), should not exceed 40.A
service charge per withdrawal in excess of the limit prescribe
Reply as on : 05.07.2025, Reference : RLBD 8-2022
38. how I entery legal entityplease send process or menu for this
LOOKLEI Menu option has been introduced for this purpose with details specified in CRMD Circular
No. 39- 2023
Reply as on : 05.07.2025, Reference : CRMD Circular No. 39- 2023
39. What is the extent of Accident insurance cover under pnb agni rakshak scheme
Personal Accident Insurance cover (Death) 50 Lakh Air Accidental Insurance cover (Death) 100 Lakh
Permanent Total Disability Insurance (PTD) 50 Lakh Permanent Partial Disability Insurance (PPD) 50
Lakh Refer BARMD CIRCULAR NO 09 2023
Reply as on : 05.07.2025, Reference : BARMD CIRCULAR NO 09 2023

Topic: Risk, Audit and Complaince - Complaince, Vigilance, I and A, Fraud Risk
management
Product: Compliance, Vigilance & IAD

1. can we open an shg saving account in which all the member including president and secretary
are illitrate
Yes, Bank allows the opening of a savings account for a Self-Help Group (SHG) where all members,
including the president and secretary, are illiterate. According to the PNB guidelines, the following
applies- Illiterate Members Illiterate persons can open
Reply as on : 18.11.2025
2. In a scale 4 branch who will verify THRESHLD menu and EXMFRM menu for increasing
threshold in customer accounts in [Link] officer with 100 power or incumbent only. And
kindly provide circular also.
In a Scale 4 branch, the verification of both the THRESHLD and EXMFRM menus for increasing the
threshold in customer accounts is done by the Branch Incumbent, who holds the work class 100
power. This ensures that the individual has the appropriate authori
Reply as on : 18.11.2025
3. In case of issuing bank guaranteed, Is Counter indemnity (Appendix IV) taken once at the time
of documentation or every time while issuing BG
n case of issuing a bank guarantee, the Counter Indemnity (Appendix IV) is generally taken once at
the time of documentation. However, when the guarantee limit is set up in favor of a borrower, a
General Counter Indemnity (Appendix V) should be executed o
Reply as on : 18.11.2025
4. When a customer submits documents for either nominee claim or legal heir claim at Branch,
 whether it has has to be entered in any portal from Branch end or it has to be settled simply
through CLAIM menu in Finacle as per guidelines
Please refer Settlement of Claims Pertaining to Deceased Missing Customers of the Bank in respect
of their Deposits, Lockers and Articles in safe custody had been issued by HO LAW Division Policy
Circular 03LAW2025 dated 09.04.2025.
Reply as on : 18.11.2025
5. In SAJAG 2.0, which 3 Early Warning Signals have been removed to bring down the EWS
numbers to 130 from earlier 133 as per FRMD CIRCULAR No. 26 2025.
3 Alerts merged in another same type of alerts by the FRMD no alerts are delated
Reply as on : 15.11.2025
6. Respected Sir Is it mandatory to create charge in the records of HSIIDC or Haryana State
Industrial and Development Corporation for property mortgaged by EQM at bank Kindly share
the related circular or book of reference if any regarding the same.
Please refer IRMD 1492024 for detail guidelines or consult with approved panel advocate for state
wise guidelines if any
Reply as on : 15.11.2025
7. Can officiating incharge scal one of scal two branch perform EXTM. And if yes what power for
each head applicable
The officiating incumbent of Scale I at a Scale II branch can indeed perform EXTM (Expenditure
Tracking and Monitoring) functions. Refer Law division circular 052020 and GSAD 292024
Reply as on : 13.11.2025
8. Full form of SPACE
System Product Approval Committee of Executives
Reply as on : 11.11.2025
9. customer signature attestation can be done by home branch only or any branch can attested
customer signature for private finance purpose Please guide...
It can be attested by any branch after full satisfaction of customer signature and also obtained kyc
documents for customer verification However, generally, such attestations are typically conducted at
the customers home branch to maintain consistency and
Reply as on : 11.11.2025
10. Can we make two CIF id of a person one with passport (having NRI status) and one with
aadhar and pan [Link] with both the CIF records he can maintain general saving account
as well as NRONRE account simultaneously.
No, it is not permissible for an individual to have two separate Customer Information Files (CIF) with
Punjab National Bank (PNB) for the purpose of maintaining both a general savings account and
NRENRO accounts simultaneously. Each individual is allowed
Reply as on : 11.11.2025
11. Dear SirMadam, Is there any menu or report which can give the details of the users, whose
CBS IDs were used to open a loan account in CBS There are some accounts which were
opened in CBS and not in Lens [Link]
There is no specific menu or report within the CBS system that directly identifies users whose CBS
IDs were used to open a loan account, particularly for accounts not processed via the PNB LenS
module. The PNB LenS system is designed for streamlined loan
Reply as on : 11.11.2025
12. can we change alerts mobile numberissue non personalized cheque book in joint account
 number with mode of operation ES on single consent or consent from both account holders is
required
When changing the mobile number registered for alerts in a joint account with mode of operation ES,
consent from both account holders is required. For issuing a non-personalized cheque book in a joint
account, the process typically requires authorization
Reply as on : 10.11.2025
13. what is the timing of cash hours
The timing of cash hours in branches is generally aligned with the regular banking hours, which
typically are from 1000 AM to 400 PM, Monday to Friday. During these hours, customers can handle
cash transactions such as deposits, withdrawals, and other ser
Reply as on : 10.11.2025
14. While making payment to Illiterate individual through withdrawal slip who is authorized to
verify the genuineness of thumb impressions
When making a payment to an illiterate individual through a withdrawal slip, the genuineness of
thumb impressions is verified by an authorized bank official.1. Thumb Impression Verification - The
illiterate individual must provide a thumb impression on
Reply as on : 10.11.2025
15. How to generate the DMS report ( L O N G B O O K FOR INCUMBENT INCHARGEL) and
Exception reposts
As per TMD Circular 072025 Branchesoffices are required to visit the Morning Checking Report
(under home page of Finacle Log-in of the Branchoffice) of the respective sols for checking the six
DMS reports. The reports are being generated by Head Office I
Reply as on : 09.11.2025
16. CAN CHEQUE BOOK ISSUE IN ILLITERATE ACCOUNT IN WHICH ACCOUNT IS MODE OF ES
.IN FIRST ACCOUNT HOLDER IS ILLITERATE AND SECOND ACCOUNT HOLDER IS
LITERATE..
An illiterate person may open a joint account with a literate person who is closely related. - A cheque
book can be issued to the literate person in such accounts if the operation mandate is Either or
Survivor. Refer RLBD 082022 and BARM 352025 for detai
Reply as on : 09.11.2025
17. LOCKER KE CASE ME JOINTLY OR ES HO TO DEATH KE BAAD CLAIM JOINT HOLDER OR
LEGAL HAIR DONO KO MILEGA
As per BARM 312025 In case the locker was hired jointly with the instructions to operate it under joint
signatures, and the locker hirer(s) nominates any other individual(s), in the event of death of any of
the bank shall give access of the locker and t
Reply as on : 09.11.2025
18. How to take insurance for car loan which is NPA
a car loan that is classified as Non-Performing Asset (NPA), the process of taking insurance is as
follows1. Obtain Comprehensive Insurance Policy Ensure that the vehicle is insured for its full value
with a comprehensive policy that includes third-party
Reply as on : 09.11.2025
19. We have received request letter from Sh. Gurpreet , one of the account holder of account
number 0239100100001090 and other term deposit account number(023910dp00001013,
023910pu00004332, 023910pu00002051, 023910dp00002836). The customer has request us to
make partial payment in the saving account number 0239100100001090 in which the primary
 account holder ( his late father) is expire on 13.09.2025, on the other hand side he has request
to continue the following saving account and term deposits remain open in survivorship clous
as per original mandate in account opening form. So you are request to kindly advice us that
whether we are provide partial payment to customer in saving account and also advice us
about the procedure for settlement of FDR
. Partial Payment in Savings Account - Since the primary account holder has expired, and assuming
the account operates under a Survivor or similar mandate, partial payment can be made to the
surviving account holder(s). - Verify the original account o
Reply as on : 09.11.2025
20. whethar insurance status of any vehicle extracted showung in JRC from vahan portal is
acceptable or not
No please obtain copy of comprehensive insurance policy and held on record
Reply as on : 28.10.2025
21. what are the rules for BATE MONEYwe kept in cash tray or vault plz provide circular no
Please refer circular security division 092020 , 152020
Reply as on : 27.10.2025
22. If a customer came to the counter at 0359 pm with one crore cash, as cash timing is 0400pm,
but if I counting that much cash it will cross 0500pm and also insurance also cover upto
[Link] what to do Can I deny that money to deposit
all cash transactions should be completed by the designated closing time, which is typically 0400 PM.
but due to customer service we can accept cash if customer enters in branch before 4.00 pm but also
advised to customer to deposit huge cash with in bank
Reply as on : 25.10.2025
23. CIRCULAR ON TELEPHONIC CONFIRMATION TO BE TAKEN ABOVE 2 LACS
According to FRMD Circular No. 532023 dated 28-06-2023, vital details (including amount and
beneficiary) of high value cheques of Rs. 2 lakh and above must be confirmed telephonically from the
account holder before transfer and cash payment. A noting to t
Reply as on : 23.10.2025
24. One Nominee has visited branch to claim of FD of his father,he has death certificate but has
lost the FD,now he wants to claim the [Link] guide how we should proceed for claim
without Original FD.
The nominee may be required to submit an affidavit along with indeminity bond stating the loss of the
original FD receipt and the intention to claim the FD amount and verify the detail of claimant as per
nomination and ensure also follow guidelines law d
Reply as on : 23.10.2025
25. what is the default password of staff accountability examination process portal.
PLEASE REFER IAD Circular No. 152025 New Enhanced Features in Staff Accountability Portal
along with Standard Operating Procedure (SOP) NO SUCH BY DEFAULT PASSWORD IT CAN BE
CREATED BY CO ( BRANCH USERS)
Reply as on : 23.10.2025
26. How can we settle claim for a customer having different nominees in various accounts and
also having some accounts without nomination as all the member are not in sync and have
dispute among them as the cif comes in dayend check after 15 days if all accounts are not
settled till then
Record the Customers Death As soon as it is known that the account holder has died, record this in
 the relevant account and stop operations.2. Identify Nominee and Survivorship Check for
nominations and survivorship mandates in each account. Where nominat
Reply as on : 18.10.2025
27. if we received certified copy on email than take print out of this , Are they not valid or not
consider as certified.
According to PNB policies, the validity and consideration of certified copies received via email and
then printed depend on the specific context and requirements of the document. Generally, digital
certificates should accompany electronic records as per t
Reply as on : 18.10.2025
28. I have been alloted one NPA account for examination of fraud angle. Kindly let me know the
circular in which I can find relevant details to check in the concerned loan file.
Please refer FRMD circular 162025 for detail gudielines
Reply as on : 13.10.2025
29. Circular from which i can get information regarding document register (PNB 355) and its
custodian
Please refer IRMD 1112021 Documentation of Loans advances is a critical and important area as the
liability of a borrowerguarantor can be enforced in a court of law mainly on the basis of documents
executed by them and entries made in the Books of Accou
Reply as on : 13.10.2025
30. Roles and responsibilities of branch manager (scale 4)in branch. Also provide format of
lapses and deviation register for branch.
Please refer in knowledge Repository --- Manuals--CLI--- Reday reckoner for branch head. and IAD
circular 412017 for deviation register and lapses register
Reply as on : 13.10.2025
31. Latest circular regarding intersol transfer, Neft, rtgs, various limits for intersol transfer and
cash withdrawal bearer in intersol etc.
Please refer IAD circular 322018
Reply as on : 13.10.2025
32. Documents required for opening or KYC accounts of individuals, proprietor, trust, company,
institutions etc. what are the due diligence and [Link] provide circular if any.
please refer Data Privacy and Management Division Circular No.322025 POLICY FOR KNOW
YOUR CUSTOMER VERSION 1.1
Reply as on : 13.10.2025
33. Circular from which i can get information regarding document register (PNB 355) and its
custodian
Please refer IRMD 1112021 Documentation of Loans advances is a critical and important area as the
liability of a borrowerguarantor can be enforced in a court of law mainly on the basis of documents
executed by them and entries made in the Books of Accou
Reply as on : 13.10.2025
34. Roles and responsibilities of branch manager (scale 4)in branch. Also provide format of
lapses and deviation register for branch.
Please refer in knowledge Repository --- Manuals--CLI--- Reday reckoner for branch head. and IAD
circular 412017 for deviation register and lapses register
Reply as on : 13.10.2025
35. In a scale 4 branch how many officers can have 100 power and who will be the competent
authority to verify threshold in customer account
As per General Banking division circular 032025 in Scale IV headed branch maximum two users
having 100 powers However, 100 user work class should never be allowed to Award Staff, even if
heshe is officiating to higher scale of officer. and threshold ver
Reply as on : 13.10.2025
36. Procedure for threshold exceed in accounts. And what are the procedure to remove or extend
threshold limit. Kindly provide circular.
please refer Data Privacy and Management Division Circular No.322025 POLICY FOR KNOW
YOUR CUSTOMER VERSION 1.1
Reply as on : 13.10.2025
37. As per Compliance Div Circular No 022025 dated 21.01.2025, a portal PRMS module has been
developed. This portal has been integrated with CBS. This portal not only facilitates capturing
of detailed information w.r.t. payment of anypenalty (Regulatory or Operational) by the bank
but also automates the penalty paymentsto the debit of prescribed Revenue Heads directly in
CBS without any manual requirementof creating a separate transaction in CBS. Hence you are
requested to give us specific role at Circle Office, who will be CO Maker and CO Checker,
since there is transaction is involved.
As per Comp division circular 032024 Committee at Circle Office Level shall consist of Circle Head,
2nd man at Circle Office, Chief Manager (to be nominated by Circle Head) Law Officer (in hisher
absence, any officer handling LawrecoverySASTRA portfolio)
Reply as on : 13.10.2025
38. Who will be the custodian of locker key, cash key, vault key, ATM key, main door key in a
scale 4 branch
Please refer BOOK OF INSTRUCTIONS (OPERATIONS) CHAPTER XIV CASH, CUSTODY
CONTROL AND SAFEGUARDS AND DUPLICATE KEYS for detail guidelines
Reply as on : 13.10.2025
39. Staff Two Wheeler Loan sanctioned and account opened through HRMS. Query is that Stamp
Duty to be obtained or not in hypo and master agreement
Yes Stamp Duty to be obtained or not in hypo and master agreement because documentation is the
part of branch level complaince
Reply as on : 13.10.2025
40. Can loan documents be executed on bank holiday if yes whose permission is required
Loan documents cannot be executed on bank holidays. They must be executed on working days with
the presence of bank officers. Banks permission is not required for execution on holidays, as it is not
permissible. Please refer IRMD 232019
Reply as on : 13.10.2025
41. Dear SirMadam,We ( Dy Managers) are posted at a sc 3 branch where senior manager post is
vacant since 3 months. Can we proceed to initiate digital gold loan after diligently checking
the kyc of customer and checking the gold through empanelled valuer where i am the maker
and the second man of our branch is the checker
Sanction authority use the power of sanction as per his designation for further guidelines refer
loaning power guidelines
Reply as on : 13.10.2025
42. For thumb impression cases , Is it mandatory that right thumb impression for female and left
 thumb impression for male in banking process or any hand thumb impression will be
acceptable in banking process please guide with circular.
A Hisher signatures (if literate) and leftright hand thumb impression (if illiterate)will be taken, in the
presence of an Officer, authorised to open accounts and witnessedby an existing account holder or
person otherwise having some business relationship
Reply as on : 13.10.2025
43. What are the registers to be maintained at Branch Level by the Second Man. And what are the
precautions to be taken care of in Branch Level as second man.
What are the registers to be maintained at Branch Level by the Second Man. And what are the
precautions to be taken care of in Branch Level as second manjust now The Second Man maintains
Lapses Register and Deviation Register. Precautions include adherenc
Reply as on : 09.10.2025
44. PLP has sanctioned a term loan of Rs 1.00 crore ( Post sanction formalities to be complied by
Branch), In this case the value of immovable property to be mortgagedcharged is also above
Rs. 1 Crore . 2nd NEC after sanction not held in file at PLP. Please guide that who will raise
the observation for 2nd NEC , Branch Auditor or Concurrent Auditor posted at PLP
As per LA circular 1492024 page no 18 Where the value of immovable property to be mortgaged
charged is Rs. 1 crore above, branches shall take NEC from 2 different advocates on panel, one
before sanction and the 2nd after sanction, but before disbursement
Reply as on : 09.10.2025
45. customer deceased out of country(Kuwait). Nominee produced the death certificate issued by
the country of Kuwait. on the basis of this certificate we may release the amount is this valid
in our country.
Foreign death certificates must be attested by relevant authorities for validity in India. In cases where
the deceased was abroad, the death certificate needs to be attested by a Notary Public, Indian
Embassy or High Commission, or Banks Foreign Office of
Reply as on : 04.10.2025
46. For sanction of credit facilities the Internal rating of the account to be carried out. An account
was rated for Rs 25.00 Cr on ABS2024 and the same is valid upto 31.12.2025. If the borrower
request for enhancement from Rs 25.00 Cr to Rs 30.00 Cr, whether it should be re-rated on
ABS2024 if ABS2025 is not yet finalized. There is change in security for enhanced limits. Is
there any exemption for carrying re-rating on existing ABS if there is no change in rating
model. Please clarify.
Kindly refer IRMD Cir No 502024, where different rating models are suggested on the basis of
aggregate bank exposure turnover. Take decision accordingly
Reply as on : 04.10.2025
47. THE EM REGISTER AT THE BRANCH IS NOT RECORDED IN SEQUENCE. IS THERE A
CIRCULAR FOR THIS. PLEASE LET US KNOW. IT CAN BE EXPLAINED IN THE BRANCH THAT
E M REGISTER MUST BE RECORDED IN SEQUENCE. INSTEAD, THE E M REGISTER FOR
2014 SHOULD BE CREATED BY SKIPPING TWO PAGES AFTER [Link]
As per LA circular 1492024 page no 23 The mortgage creating branch shall accept the title deeds
and all other documents tendered for creation of mortgage and scrutinise them to ensure that the
same are inorder and record narrationrecital particulars of
Reply as on : 04.10.2025
48. Kindly confirm, whether a request letter from the depositor is mandatory for PREMATURE
 CLOUSRE OF FIXED DEPOSITE AND RECURRING DEPOSITE AC, irrespective of mode of
operation i.e SELF EITHER OR SURVIOVOR ANY ONE OR SURVIVIOR JOINTLY. Kindly give
the Exact circular details in this regard.
Please refer General Banking Operations circular 612025 and RLBD Policy circular 102022 for detail
guidelines
Reply as on : 03.10.2025
49. Is NEC and Valuation charges and credit insurance premium charges to be considered f for
revenue audit if mentioned in sanction letter and process note for recovering of charges or
[Link] guide
Please refer Revenue audit Manual Available in Knowledge Repository---- Manuals------IAD----
Revenue audit Manuals 2024
Reply as on : 03.10.2025
50. When we are in the PPS environment, whether it is mandatory to call the customer for
confirmation on mobile no. when PPS mandate already received from customer
Kindly refer to FRMD CIRCULAR No. 53 2023 where it is claerly mentioned that in order to avert
instances of frauds, field functionaries are advised that vital details (including amount and
beneficiary) of high value cheques of Rs. 2 lakh and above be c
Reply as on : 26.09.2025
51. What is the customers liability for unauthorized transactions reported after the seventh day
Please refer Customer care division circular 172025 page no 9 point no a and b up to 7th day and
point no c after 7th day act accordingly
Reply as on : 26.09.2025
52. How to download public view documents of companies and how to pay fee for that from bank
end.
As per IRMD circular 782021 To search the specific documents relating to charge created , status of
chargescan be viewed on the MCA website [Link] MCA Services Master data View Index
of Charges and fees paid will be recover from borrower
Reply as on : 21.09.2025
53. Plz provide circular no mentioning role and responsibility of presenting officer in
departmental enquiry instituted in case of charge sheet.
Please refer VIGILANCE manual 2022 which is available in Knowledge Repository----Manuals----
Vigilance--- Vigilance Manual 2022
Reply as on : 21.09.2025
54. as per TMD cir 112025 and operations division Cir 032022, maximum threshold for saving
fund accounts is set for Rs 10.00 lakhs for SF Accounts. Is the limit same in case of joint
accounts or whether the maximum threshold of Rs. 10.00 lakhs be enhanced to Rs. 20.00
lakhs in case of a joint account of husband and wife
Please refer KYC circular 52012 and TMD circular 125 Limit for 10 lac in saving accounts in
Individual Joint savings accounts both also combined limit for joint account is 10 lac
Reply as on : 21.09.2025
55. RESPECTRD SIR CAN WE GO TO ATM WITH CUSTOMER FOR SET HIS ATM PIN, PLEASE
PROVIDE ANY CIRCULAR RELATED TO THIS
We can help to customer to tell about full procures to set duplicate pin and but pin set by customer
only by his hand and while setting pin educate to customer hide keypad and only customer can see
while setting pin
 Reply as on : 21.09.2025
56. Is arbitrator is authority to order to bank lien mark or freeze the bank account
Only law enforcing agencies or legal identities are authorize to mark lien or freeze in any bank
account except dispute cases between joint holders. please also take legal advice from circle law
officer to obtain clear legal view
Reply as on : 06.09.2025
57. NeftRtgs on cheque deposited by third party without neftrtgs form signed by drawer is
allowed or not
As per Book of instruction chapter no 20 page no 37 point no 3.4 The request for remittance of
fundsthrough NEFTRTGS for credit to account maintained with other banks is generally lodged at the
account maintaining branch. Where a cheque is tendered at S
Reply as on : 06.09.2025
58. Which department in circle office will verify EXMFRM regarding updation of thresh hold limit
in SB CA.
In Circle office department looking work of Transaction monitoring, Fraud risk management or any
other decided by CH can verify EXMFRM
Reply as on : 02.09.2025
59. Dear SirMaam, Which authority is authorized to issue completion certificate in the cases,
where customers have availed home loans to construct house on their owned landsRegards
As per RABD circular 482025 page no 34 However, if the Home Loan is sanctioned for construction
of house, valuation of the property may be done after obtaining completion certificate from competent
authorityviz. municipal corporation, development authorit
Reply as on : 31.08.2025
60. Kindly clarify whether credit card outstanding is taken while processing of annexure 1 of NPA
ACs with Aggregate Exposure more than Rs.10.00 lac and upto Rs.1.00 crore as per staff
accountability policy no 102025 dated 15.04.2025 para 3.1.2
As per staff accountability policy IAD 102025 Page no 6 Exposure count should be Aggregate
ExposureOutstanding balance in Term Loan accounts along-with undisbursed portion of Term Loan,
if any and sanctionedlimits or outstanding whichever is higher, in Fu
Reply as on : 30.08.2025
61. we want to get revenue audit manual wherein all service charges relating to credit, non credit
or forex be given in one manual. earlier it was available in link in IAD division, but now it is not
there. kindly guide
Revenue audit manuals up to 2024 is available in Knowledge repository--- Manuals----- IAD----
Revenue Audit manuals 2024
Reply as on : 30.08.2025
62. There is vacant post of loan officer in branch then how branch make compliance even not
filled in one and responsibility of branch head arise or not if non. Complianc
As per loaning power circular 402025 page no 83 point no 3.7 Sanctioning authority will sanction
facilities within his loaning powers on regularloan proposals prepared by another officer of the office.
Where second officer is not available, such proposal
Reply as on : 29.08.2025
63. AN A PERSON WHO IS NOT HAVING A GBPA NO CAN SIGN AN LOAN AGREEMENT AS
AUTHORISED SIGNATORY IN SCALE 1 WORKING AS CREDIT OFFICER OR LOAN INCHARGE
OR GBPA NO IS MANDATORY KINDLY QUOTE CIRCULAR NO ALSO
 Guidelines for signing for Bank Guarantee or draft is required for GBPA holder in agreement scale 1
can sign with GBPA or with PF no
Reply as on : 23.08.2025
64. there is a high value transaction in recently opened current account. The account no is
[Link] want to tell you that we have verified the GSTR on portal. Returns are
showing on there but no physical stocks lying at business place. Please guideus regarding
the same as grand total credit is 02.23 Cr with in 3 months
Please obtained proof of incomesource of income and documents backed by high value transaction
do enhance due diligence while handling such large value transactions also as per TMD circular
92025 All field functionaries are hereby advised to exercise enha
Reply as on : 23.08.2025
65. I would like to know Clerical staff is authorised to open gold loan safe or not alone without
any officers In my branch officers sending clerical staff to take pledged gold from safe and
also asking to keep the gold inside the safe .Query Status: REPLIED
As per book of instruction chapter 14 page no 2 Goldsilver Jewelry ornaments pledged against
advances granted against these and also the articles kept in safe custody of Bank must also remain
in the joint custody of the joint custodians of cash
Reply as on : 21.08.2025
66. To process loans above 1.00 crore, the process note requires us to discuss any pending audit
observations. However, in ETHICS, we can only view the observations pending for reply
replied observations are not visible. Is there any option to view a consolidated report of all
audit observationsboth pending and repliedcovering RBIA, QCAR, CRAD Audit, and Stock
Audit
In ethics Pending Observation can see or download in reports tab in ethic
Reply as on : 14.08.2025
67. As such CCKLY scheme has been discountinued way back before 2022. All CCKLY accounts
are being renewed manually raising two queries as below1. Can a branch renew CCKLY
accounts on or before or after expiry of limit. If yes, please quote related circular for refrence
for guidance of field staff2. Is there any option in PLB lens to renew these, If not, kindly qoute
any circular or reference to get these renewed manually withoout lens applicationPlease
answer specifically with reference
As per PSFID circular no 22020 CCKLY scheme are discontinued and accounts already opened
under this scheme will continue till maturity i.e Limit expiry date called maturity date in these cases
Reply as on : 14.08.2025
68. Kindly Clarify that where up to loan amount of Rs. 50 lac it is mandatory capturing of passport
details or not.
As per LA 1572020 page no 17 point no 4.2 (iii) it is advised that in small accounts, say upto 50 lac
the capturing of passport details may not be insisted upon in routine manner and the sanctioning
authority may decide the same on merits of the case
Reply as on : 14.08.2025
69. Please clarify weather charge taking of branch is done by Incumbent or second Man
As per IAD 502012 charge taking is to be done by new incumbent after joining if new incumbent not
joined till date so next senior most officer can take charge
Reply as on : 13.08.2025
70. Kindly guide me what are time period for submitting charge taking report to circle office after
joining branch as branch incumbent
 As per IAD 502012 As soon as the Incumbent Incharge joins at the office where he is transferred, he
should immediately send his joining report to his concerned Circle Head but not later than six months
from the date of joining. The Charge Taking Report mu
Reply as on : 29.07.2025
71. Dear Sir,kindly guide us for balance confirmation certificate can sign sc-1 or manager please
guide us
Under Section 18 of the Limitation Act, 1963, a duly stamped acknowledgement (balance
confirmation) of liability signed by the borrower or by an agent duly authorized in this behalf will give
fresh start of limitation against the borrower from the date of
Reply as on : 27.07.2025
72. A B have joint locker and a is deceased, if we can recover locker rent from the joint account of
B with C
As per locker policy BARM 312025 branch to follow up for recovery of locker rent as per guidelines
(Issue notices etc..) and if A deceased follow the guidelines of death claim as per Law division 32025
and if any Joint account of B C is available please o
Reply as on : 27.07.2025
73. What are the circulars related to death claim especially policy circulars
Please refer Law division circular 032025
Reply as on : 25.07.2025
74. If a loan sanctioned by RAM but amount is upto 10 lakh, than who is the PDCO. kindly guide
us
As per IRMD L A circular 682023 In case of loans sanctioned at PLP, Concerned desk officer as per
the office order shall be the disbursing official
Reply as on : 20.07.2025
75. Can a nominee in a savings account be given a partial claim once, and then a few days later,
the full claim settlement be done and the deceaseds account be closed Please guide for a
SPARSH family pensioners case
AS PER GBD 062024 A) Where family pension is being sanctionedpaid through SPARSH after
report ofdeath of pensionersFamily pensioners, any excess amount disbursed after death of
pensionerfamily pensioner is being adjusted by SPARSH from arrearsmonthly fami
Reply as on : 20.07.2025
76. Which agreement needs to be executed in CCGCC (General credit card) accounts. PNB 1031
or PNB 727A
AS PER MSME 392020 FOLLOWING DOCUMENTS ARE REQUIRED IN CCGCC LOAN
DOCUMENTATION1) PNB 11662) Letter of Undertaking (Appendix-I)3) Specimen of the GCC card
(Appendix-II)4) PNB 727 A Agreement for LoanCash CreditOverdraft5) Brief CR PNB 905
Reply as on : 20.07.2025
77. Sir Madam,Management trainee of our Bank who joined on 14th Dec.2023 has applied for
Housing loan under public Scheme. We have referred RABD Cir. no 48 of 2025. But still we
have doubt whether he is eligible or not, considering his service is not comfirmed
As per RABD 482025 Staff members are also eligibleunder Public Scheme. Branch to ensure
regularity of income and follow guidelines as per RABD 482025
Reply as on : 19.07.2025
78. A partnership firm has availed a working capital limit of Rs 5 crores on [Link] same
has been sanctioned by obtaining title investigation of 13 years from the date of receipt of
 [Link] the firm has approached us for an enhancement of limit from 5 crores to 6.5
crores on 10.07.2025. In this case, shall we proceed for break period NEC or shall we conduct
title investigation of 30 years from the date of receipt of proposal as the exposure is
exceeding 5 crores
As per IRMD 1492024 Page no 15 Point no 2.2 In the case of mortgages already created, if extended
to secure fresh facilities enhancements Non-Encumbrances Certificate Search Report needs to be
obtained updated since last mortgage
Reply as on : 14.07.2025
79. We have given a Mudra loan of Rs. 8 lakh to the customer, but the customer has stock worth
Rs. 1 to 2 crore, so for how much should we get the insurance done The customer says that
get the insurance done by taking 20 margin of whatever he has financed, he does not want to
get the entire stock insured, so please guide us as per the bank guide line
AS per IRMD 442020 Page no 12 Point no IV and V (iv) Amount of insurance should not be less than
the value of securities as per latest stock statements in all cases.v) The entire stock must be insured
and not to the extent sufficient to cover our outstand
Reply as on : 14.07.2025
80. WHO IS RESPONSIBLE TO ISSUE USER ID PASSWORD OF CFR PORTAL IN CASE OF GBB
CO.
As per TMD division circular 012025 user of GBB branch not allowed General Banking Branches
(GBB) may approach to their respective Circle Office for inquiries pertaining to fraud status of any
entity
Reply as on : 09.06.2025
81. Who can cash incharge in a branch
Cash balance must be kept in the strong room in the joint custody of the Head Cashier and the
Incumbent Incharge or the Deputy ManagerManagerSr. Manager (referred to as Cash Incharge)
(jointly referred to as Custodians of Cash). In branches where Strong R
Reply as on : 31.03.2025
82. Head cashier work profile with details.
Please refer to Operations Division (General Banking) Circular No. 23/2024 REVISION IN
FINANCIAL PASSING POWERS OF CUSTOMER SERVICE ASSOCIATE (CSA), SENIOR
CUSTOMER SERVICE ASSOCIATE (CASH) AND SPECIAL CUSTOMER SERVICE ASSOCIATE
UNDER XII BI-PARTITE SET
Reply as on : 20.03.2025
83. For portfolio audit of the branch which area to be focused please provide the details of
circular related to portfolio audit.
As per IAD circular 072025 page 69 Zonal Audit Office, at the instance of Head Office Divisions,
Zonal Manager, Circle Head and on receipt of any alarming information, may take a view on
conducting ofspecific segment audit on the basis of risk perception
Reply as on : 09.03.2025
84. In case account becomes NPA within 1 year of sanction due to non follow up by present
branch incumbent and loan officer, does recommending and sanctioning authority held liable
for the same Customer is completely denying that heshe had not received even a single
callletter from branch, and is willing to deposit the overdue amount, still present branch head
is not willing to upgrade the account to fix staff accountability of previous branch head and
recommending officer.
 As per SASTRA circular 142025 account be classified under Quick Mortality if it has slipped to NPA
within one year of initial sanction takeover disbursement and if lapses for monitoring of irregular
accounts will be identified as per IRMD 442010 guideline
Reply as on : 09.02.2025
85. Who can be appointed as Enquiry office for scale II officer who has been served charge sheet.
Can it be a senior officer or it has to be mandatorily a chief manager.
There is no legal bar in appointing a junior official as an EO, the Bank generally appoints, as a matter
of policy, an Officer who is at least one rank senior in scale to the Charge Sheeted Employee (CSE).
Also be guided by 9.3.2 of Vigilance Manual 2022
Reply as on : 16.01.2025, Reference : Vigilance Manual 2022
86. is the person from whose lens user(A) a loan was initiated and then sent to other user (B) then
to sanctioning authority. loan was recommended by user B. IN ANY CASE IF ANY LAPSES
ARE THERE WILL user A be also held responsible . kindly guide
Please be guided by point no 5 (BROAD AREAS OF RESPONSIBILITIES UNDER BORROWAL
ACCOUNTS) of IAD Circular No. 24/2024 (STAFF ACCOUNTABILITY POLICY) dated 15.06.2024.
Responsibilities for examining the roles of officials in borrowal accounts divided in 8 ca
Reply as on : 31.12.2024, Reference : IAD Circular No. 24/2024 (STAFF ACCOUNTABILITY
POLICY) dated 15.06.2024
87. Can a concurrent auditor check entire physical cash of currency chest on his weekly
inspection. if yes please mention circular no.
Please be guided by INSPECTON AND AUDIT DIVISION CIRCULAR NO: 19/2023 dated
30/03/2023 Reg - CONCURRENT AUDIT POLICY FOR DOMESTIC AND OVERSEAS
BRANCH/OFFICES FOR FY 2023-24 which mentions "Accounting of currency chest transactions
and delays / omission in
Reply as on : 15.05.2023
88. Can second man issue office order to subordinate staff members in presence of branch
incumbent?
The office order can be issued by the Incumbent InCharge only. In the absence of the Incumbent
InCharge the second man can issue the office order.
Reply as on : 15.05.2023
89. Can we do third party payment exceeding 50000 in bifurcated amount?
Please be guided by IAD Circular No 31 /2018 dated 01/10/2018 Reg - Consolidated circular on
INTERSOL TRANSACTIONS IN CUSTOMERS ACCOUNTS for details. The limits are fixed on per
day basis so a payment of more than 50,000/- is not allowed in saving A/c.
Reply as on : 15.05.2023
90. Can we open account of a minor of age 17 if the minor has no natural gurdian alive and he is
living with his uncle. Can we take the documents of uncle as gurdian and open account in self
mode? The minor belongs to Hindu community.
No, the uncle can be considered as guardian if he is appointed by court as legal guardian of the
minor by honourable court.
Reply as on : 15.05.2023
91. How many times return memo can be issued on same cheque presented for
payment/transfer?
There is reference of any cap on the number of "Return Memo" is to be issued.
Reply as on : 15.05.2023
 92. If a third party cheque presented for cash payment, So how much can we pay the customer
without any identity card verification? Also confirm whether physical copy of Identity card is
required at counter or not. Is any prescribed limit for exemption of ID proof for third party at
cash counter.
If the bearer word is not stricken off on the cheque then there is no need to ascertain the identity of
the bearer. Please be guided by IAD Circular No 31 /2018 dated 01/10/2018 Reg - Consolidated
circular on INTERSOL TRANSACTIONS IN CUSTOMERS ACCOUNTS fo
Reply as on : 15.05.2023
93. In case of illiterates customer payment upto ten thousand it is mandatory for officers they
verify thumb impression please provide circular and related information.
Please be guided by CIRCULAR NO 21/2018 dated 05/06/2018 Reg - BOOK OF INSTRUCTIONS
(OPERATIONS) CHAPTER-VI SAVING ACCOUNTS which mentions "When a depositor has to
make a withdrawal, he/she will personally call at the Bank alongwith the Pass Book, the lef
Reply as on : 15.05.2023
94. Is pps mandatory for cash payment above rs 50000?
Please be guided by OPERATIONS DIVISION (GENERAL BANKING) CIRCULAR NO.16/2023
dated 03/04/2023 Reg - MANDATORY POSITIVE PAY CONFIRMATION (PPS) FOR THE CHEQUE
OF AMOUNT Rs. 5 LAKHS & ABOVE PRESENTED IN CLEARING for details.
Reply as on : 15.05.2023
95. Is there any guideline to change the bait money after some time or can we use the bait money
if required?
Please be guided by Security Division Circular No: 15/2020 dated 22/05/2020 Reg - Standard
Operating Procedure on Cash Handling and Remittances - Bait Money for details.
Reply as on : 15.05.2023
96. Pls guide regarding opening account of minor whose both guardians are blind and illiterate.
How to proceed with minor s account opening.
"Please be guided by "6.4 ACCOUNTS IN THE NAMES OF MINORS" given in IAD Cir. No.32/2017
dated 21.08.2017 or CHAPTER–IV CUSTOMER S ACCOUNTS-GENERAL INSTRUCTIONS."
Reply as on : 15.05.2023
97. Who is supposed to be the guardian of a Muslim minor ? Is there any recent change?
Please be guided by IAD Cir. No.32/2017 dated 21.08.2017 CHAPTER–IV CUSTOMER S
ACCOUNTS-GENERAL INSTRUCTIONS for details.
Reply as on : 15.05.2023

Topic: Risk, Audit and Complaince - Integrated Risk Management

Product: Rating

1. What is criteria to charge penal interest for overdue risk rating like if rating is done on
15.02.2025 and rating was expired on 31.12.2025 then overdue charges will be collected from
01 jan to 14.02.2025 or till 28.02.2025 and applicable charges will be 2 or any other
[Link] guide and mention circular no.
Sir/Madam, Penal interest shall be charged till 14.02.2025 and it will be calculated on total outstanding
as per IRMD LA 402024 for the period of default i.e. until fresh rating is available.
Reply as on : 12.03.2025, Reference : IRMD LA 402024
2. Sir, Do we need to do Rating in PNB SCORE for microfinance loan. we are doing loan loan
under microfinance scheme as per AGRI DIVISION circular no. 712023. Also There is no tab for
rating in [Link] guide
 Sir, Rating is waived up-to Rs. 1.00 lakh in such advances as per LA Circular No. 512024 page no.
158192.
Reply as on : 04.03.2025, Reference : LA Circular No. 51/2024
3. As per IRMD Circular No 502024 Credit Risk Rating dated 26.12.2024 During the extended
validity period of the rating penal charge @ 0.50 (within overall cap)shall be chargeable, till the
rating is not renewed in regular rating [Link] reference to above what is extended validity
period of the rating and how it is considered for calculating penal charge
Sir, The validity period of the existing rating may be extended while carrying out review of rating in
Dynamic Review Rating Model for a maximum period of 3 months in a single dynamic review,
irrespective of sanctioning authority and maximum extended peri
Reply as on : 18.02.2025, Reference : IRMD Circular No 50/2024
4. Can you please elaborate where we have to use PNB SME SCORE rating and where we have to
user PNB TRAC rating
Dear sir please refer MSME DIVISION CIRCULAR NO.722024, Dt. 17.10.2024, IRMD Circular No.-
372019, Dt. 31.12.2019 and IRMD LA Cir. No. 51 2024, Dt. 20.04.2024 (from page no. 153192 to
160192)
Reply as on : 22.11.2024, Reference : MSME DIVISION CIRCULAR NO.722024
5. Which scheme to select in PNB SCORE SME while doing scoring of a Small MSME
manufacturing unit for a fresh loan under MUDRA Scheme for below Rs. 10 Lakhs There is no
MUDRA scheme available in SME SCORE.
Madam Sir,Please go through the MSME DIV. MASTER CIRCULAR NO. 55 2020, date 27.03.2020
and IRMD Circular No. 212022, date 07.05.2022 and select appropriate rating model as per the
circular.
Reply as on : 21.08.2024, Reference : MSME DIV. MASTER CIRCULAR NO. 55 2020, date
27.03.2020 and IRMD Circular No. 212022, date 07.05.2022

Topic: Sales and marketing - Third Party products

Product: Third partty Products

1. Which variant of Credit Card is valid for internaional airport lounge access and for how many
times
International transaction can be enabled through PNB Genie app login throughwebsite
[Link] or by submitting Annexure-17 through registered email ID. . Pnb rupay platinum credit
card,PNB RuPay SelectPNB RuPay Millennial Credit Card .The Cards are a
Reply as on : 29.11.2025, Reference : BARM credit card 08/2024

Product: Third Party Products

1. Sir.. How to disable customer Bharat QR Sound Box

Branches to submit request in LTS portal under POS de-installation tab and select product type as
Bharat QR code. Branches must ensure correct TID MID to avoid deinstallation of other products.
Please refer to BUSINESS ACQUISITION RELATIONSHIP MANAGEMENT
Reply as on : 29.11.2025, Reference : BARM current deposit 05/2024
2. which purpose code select in INREMIT menu during nepal worker in india send money to his
familySystem not accepting transction with code s1301
S01301-Business Travel,S303-travel for Pilgrimage, S0304-travel for medical S1302 -gift, S1301-close
relatives and so on
 Reply as on : 29.11.2025, Reference : NA
3. Is there any circular guidelines regarding issuance of Credit card to Establishment Incharge
with limit upto Rs. 1 lakh The query is related to quarterly audit expenditures by HO divisions
PLEASE REFER TO POINT Credit limits for Corporate Credit Cards for PNBs Senior Officers AT
PAGE NO 37 OF BUSINESS ACQUISITION RELATIONSHIP MANAGEMENT DIVISION(CREDIT
CARD) CIRCULAR NO. 82024 DATED 16-07-2024 REGARDING MASTER CIRCULAR PNB CREDIT
CARD GUIDE
Reply as on : 29.11.2025, Reference : BARM 8/2024
4. circular for charges deducted on usage of pos machine
Please refer to BA RM DIVISION CURRENT DEPOSIT MERCHANT ACQUIRING
BUSINESSCIRCULAR NO 132023 dated 12-10-2023 -REVISED MONTHLY RENTAL ON POINT-OF-
SALE (POS) TERMINALS
Reply as on : 29.11.2025, Reference : BARM current deposit 13/2023
5. Is there any circular in which works of marketing team of circle office is defined , if available
plz share circular no
Please refer to MPD Circular no 102024 dated 19.07.2024-revamping of Business acquisition
relationship management (BARM )Division and ask the concerned to contact BARM Division for roles
and Responsibilities.
Reply as on : 29.11.2025, Reference : BARMSD 11/2024
6. If third party products is being sold, does branch has any role in checking the repaying
capacity etc. or it is at third party and customer [Link] case latter any dispute arises on
repaying capacity, is branch has any role.
As per BARM DIVISION - THIRD PARTY PRODUCTS GOVERNMENT BUSINESS CIRCULAR NO.
18 2024 dated 18-06-2024 regarding POLICY FOR DISTRIBUTION OF INSURANCE PRODUCTS , It
is the duty of Branch Specified person to check that the policy details are informed to the
Reply as on : 29.11.2025, Reference : BARM 18/2024
7. Third party product kya kya hai
Mutual funds, life insurance,general insurance,non life insurance, ASBA,etcPlease refer to BA RM
DIVISION - THIRD PARTY PRODUCTS WEALTH MANAGEMENT CIRCULAR NO.152024 dated 13-
06-2024 regarding POLICY FOR MARKETING OF THIRD-PARTY PRODUCTS
Reply as on : 29.11.2025, Reference : BARM 18/2024
8. Customer has approached branch with shares certificatereceipt of United Bank of India
purchased before merger. Kindly guide on how to convert the shares to PNB shares.
Kindly take an application from customer , recommend and send scanned copy of application and
share certificate to the depository@[Link], pnbdepository@[Link]. There, you will get further
assistance from the depository
Reply as on : 29.11.2025, Reference : NA
9. how to check qr code statementqr code si generated by branch in current account
You can check and generate statement in Pnb Bhim QR Merchant [Link] can mail in these
idsbhimqrmerchant@[Link]@[Link]
Reply as on : 29.11.2025, Reference : NA
10. I WANT KNOW THE HOW TO DOWNLOAD PNB ONE BIZZ SO THAT I MAY ABLE TO SERVE.
Customer who wants to onboard to Mobile Banking Application needs to download thePNB One BIZ
mobile application from app store or play storeFor more information, please refer to DIGITAL
BANKING TRANSFORMATION DIVISION CIRCULAR NO. 522024 dated 17-09-2024
 Reply as on : 29.11.2025, Reference : DBTD 52/2024
11. :For how many users per GBB Branch, User ID can be created for New CRM App developed by
PNB I am Scale -1 and working in S-3 Branch where CRM User has been created for only
Incumbent. I am interested in using the App
All Employees are eligible for it
Reply as on : 29.11.2025, Reference : NA
12. Can we change account no. in already issued Bharat QR Sound box from current account to
CC account
Get a request from customer mentioning his old and new account no and branch to recommend and
send scanned application to digipos@[Link]
Reply as on : 29.11.2025, Reference : NA
13. Hello, I have opened demat account in PNB and trading account in SMC which PNB has tie up
with, Now I want to transfer shares held in my PNB demat account to other demat account ,
please let me know the steps how to do it , also provide circular for the same . Thanks
Step 1-Fill out the DIS(Depository Instruction Slip) and give it to your Broker. Step 2-The Broker
sends your request to the depository Step 3-The Depository moves your shares to your new Demat
account Step 4- Your new Demat account shows all your shares
Reply as on : 29.11.2025, Reference : THIRD PARTY PRODUCTS & WEALTH MANAGEMENT
CIRCULAR NO. 16 /2024 dated 13.06.2024
14. We have opened a dividend account of one of our customer which is a listed company on
stock exchange. Now the party is asking to provide NECB code. Please guide us where we
can search the NECB code
Please tell me the Companys name and Branch name where divident account is opened
Reply as on : 29.11.2025, Reference : NA
15. Bhim sound box ka one time charges per request 1900 gst diya hua hai .Kya ye one time
annually charges hai ya ek bar pay krne k bad us account pr kbhi b charges pay nhi krna
padega . kindly guide us
One time charge means once [Link] refer to BUSINESS ACQUISITION RELATIONSHIP
MANAGEMENT DIVISION (BARM)- CURRENT DEPOSITS MABCIRCULAR NO. 052024 dated
Date 12-02-2024 regarding 1. GUIDELINES ON ISSUANCE OF VARIOUS PRODUCTS OF
BHARAT QRAND BHIM QR COD
Reply as on : 29.11.2025, Reference : BARM 05/2024
16. What is the criteria and procedure to issue third party products
Please refer to BA RM DIVISION - THIRD PARTY PRODUCTS WEALTH MANAGEMENT
CIRCULAR NO.152024 dated 13-06-2024 regarding POLICY FOR MARKETING OF THIRD-PARTY
PRODUCTS
Reply as on : 29.11.2025, Reference : BARm 15/2024
17. IF SOME APPLY FOR IPO AND GOT MESSAGE THAT YOUR ASBA ACACCOUNT IS BLOCKED
THAN HOW CAN WE UNBLOCK ASBA ACCOUNT .KINDLY GUIDE
Unblocking is done post allotment process. if alloted, then amount is debited and in case of non-
allotment , Depository just do [Link] has no role in unblocking. Its done by the
depository. If it is not allotted , and not getiing unblocked, the
Reply as on : 29.11.2025, Reference : NA
18. Latest circular of PNB Rakshak plus scheme-Defence pensione
Please refer to BA RM DIVISION SAVING DEPOSIT, DEBIT CARD, NRI BUSINESS
 OTHERLIABILITIES BUSINESS CIRCULAR No.04 2024 dated 12-03-2024 for PNB RAKSHAK
PLUS SCHEME
Reply as on : 29.11.2025, Reference : BARM 04/2024
19. Is there any option to provide multiple QR Code to single Bhim box to single current account.
Others banks are providing it
QR code is a type of account address ,where a person can receive money and its unique for all the
[Link], once a QR code issued against an account,then customer can make multiple copies of
the same and can place that QR code on multiple desired locat
Reply as on : 29.11.2025, Reference : NA
20. If SIP mandate failed due to insufficient fund , any charges for it
If SIP mandate failed due to insufficient balance, then mutual fund company tries 3 times to deduct
the amount .If same error occurs again,SIP will be deducted next month,else it will be different for
different companies. For Service charges , please refe
Reply as on : 29.11.2025, Reference : barma 07/2024
21. How to withdraw funds from NCMC wallet as it is physically not working and customer wants
to transfer the remaining funds to her saving account
We have NCMC credit card and NCMC Debit card in PNB. Please refer to BA RM DIVISION -
SAVING DEPOSIT, DEBIT CARD, NRI BUSINESS OTHERLIBAILITIES BUSINESS CIRCULAR NO.
372023 dated 20-12-2023 for RUPAY NCMC (NATIONAL COMMON MOBILITY CARD) DEBIT
CARD and BA
Reply as on : 29.11.2025, Reference : BARM 04/2024 and 07/2023
22. how to convert SGB to demat form
Send the original shares along with Detamerialization form to depository pnbdepository@[Link]
and address of depository is 67, Sonawala Building, BS Marg Fort, Mumbai 400023. Contact no-022-
43430700730. You can get the form from Banks corporate site ww
Reply as on : 29.11.2025, Reference : NA
23. Please Clerfy the charges regarding POS Machine And Bhim BOX
Monthly rent Transaction amtfor Lite GPS MposUp to 20000 400above Rs 20000 to rs 50000
300Above 50000- NilThere are other charges for Android and GPRS also. Please refer to BA RM
DIVISION CURRENT DEPOSIT MERCHANT ACQUIRING BUSINESSCIRCULAR NO 132023 dated
Reply as on : 29.11.2025, Reference : BARM 13/2023 and BARM 05/2024
24. Rupay select claim form
Tata AIG General insurance company Ltd. covers the insurance of rupay select. Claim form for select
is at Page no 28 in BA RM DIVISION - SAVING DEPOSIT, DEBIT CARD, NRI BUSINESS OTHER
LIBAILITIES BUSINESS CIRCULAR NO. 102024 Dated 19-04-2024 covering RUPA
Reply as on : 29.11.2025, Reference : barm 10/2024
25. kindly provide limits for inremit
For walk-in customers(not having account with Pnb)-50,000 per remittance with a maximum of 12
remittances in a year. For Pnb Customer-2 lakh in case when remitter is having account in our
[Link] number of transactions cap in a yearPlease refer to OPERATI
Reply as on : 29.11.2025, Reference : operations EPS 03/2021
26. Referral Code PCSL AMULif Staff refer Where is it mention
Please enter the details in CRM app or open the account with your user id via tab
Reply as on : 29.11.2025, Reference : NA
27. :Please enter the details in CRM app or open the account with your user id via tab
 Please take the application along with copy of death cerificate from the customer and get it verified
by the bank official and mail to depository@[Link] .If there are holdings or shares in the Demat
account, they can be done through transmission. For m
Reply as on : 29.11.2025, Reference : BARM 16/2024
28. My SGB interest comes in physical mode through cheques that is very minimal. so please
guide me. How can i make changes so that it comes directly to my account not through
cheques
Please write a mail to sgb@[Link] through your branch id enclosing or attaching your request
(attested by the branch head mentioning the issue , you are facing.
Reply as on : 29.11.2025, Reference : NA
29. :Please enter the details in CRM How to transfer Shares in minor Demat account
Shares can be transferred through DIS-Delivery instruction slip
Reply as on : 29.11.2025, Reference : NA
30. Can POS terminal of pnb accept foreign cards
Yes, it can be accepted but its not a default function. customers request to be submitted to worldline
by submitting application to the marketing department of circle office dealing with POS or can mail
application ton to digipos@[Link] and after risk
Reply as on : 29.11.2025, Reference : NA
31. :what should be the user name and password of n Pnb Bhim QR Merchant app.
User name would be the Registered Mobile No. and sms of Password would be recieve in his mobile
no. If he has not received it , then the customer has to reset the password by clicking on Forget
Password and and OTP authentication
Reply as on : 29.11.2025, Reference : NA
32. Agni rakshak PAI amount
ersonal Accident Insurance cover (Death) 50 Lakh Air Accidental Insurance cover (Death) 100 Lakh
Permanent Total Disability Insurance (PTD) 50 Lakh Permanent Partial Disability Insurance (PPD) 50
Lakh Additional PAI Cover on Death due to action against An
Reply as on : 29.11.2025, Reference : BARM 09/2023 & RLBD 35/2022
33. Whether 100 finance can be provided for met life suraksha premium in home loan
Yes 100Cost of one-time credit life insurance cover premium, which is available to the Home Loan
borrower(s) ON VOLUNTARY BASIS, may be financed at the optionof the Home Loan borrower(s).
The same shall be over and above the extent of loan, at prescribed
Reply as on : 29.11.2025, Reference : RABD 57/2024
34. :can a joint account be opened by illiterate customer
:An Illiterate person may be allowed to open joint account with other illiterateperson subject to
compliance of KYC norms. No cheque book will however be issued in the joint account of illiterate
[Link] illiterate person may also open joint account wi
Reply as on : 29.11.2025, Reference : RBD 67/2017
35. The application form for merchant credit card is not available in the forms section of
knowledge repository and the form is the circular (BARM 102024) has the watermark. Where
can I get the form without the watermark
Mail to creditcardho@[Link] for the form or You have to fill form in CCAPP and after completion ,
take print out and get signed it by the customer and sent this copy to CCPC. Alloted card will be of
merchant categoty, if account no. of CC or Current ac
Reply as on : 29.11.2025, Reference : NA
36. As per the Customer Acqisition Divisio Circular No 052023 dated 02.01.2023, bank has
approved Group Care 360, Personal Accident and Critical illness by our tie-up partner, Care
Health Insurance Ltd, wherein Plan A is for Retail Borowers e.g. Housig loan, Vehicle Loan,
Personal Loan etc. In this regard, please clrify whether it can be taken as credit life and may
subsitute of Metlif (credit life) or not.
In case of metloan and life suraksha plan,one time premium has to be paid by the customer covering
the housing loan for 30 years or up to the 70 years age of borrower and in case of group care 360
personal accident , plan A covers all loan borrowers like
Reply as on : 29.11.2025, Reference : BARM third party 47/2024 and rabd 49/2024
37. please provide the list of MCC Codes for application of BHIMSHOP QR
While entering menu option BHIMPSHOP ,you have to fill customer details like account no. , mobile
no.,merchant name,address,DOB,country,branch email [Link] have to enter merchant type like
p2m or p2pm. After choosing the merchant type, you have to search
Reply as on : 29.11.2025, Reference : MAB 01/2021 and practical updation
38. Dear team,kindly refer any latest circular for issuing corporate credit card.
Please refer to BUSINESS ACQUISITION RELATIONSHIP MANAGEMENT DIVISION(CREDIT
CARD) CIRCULAR NO. 82024 dated 16-07-2024 regarding MASTER CIRCULAR PNB CREDIT
CARD GUIDELINES FOR FIELD FUNCTIONARIES. There you can get the guidelines like powers
etc of issuin
Reply as on : 29.11.2025, Reference : barm 8/2024
39. How need to be done to unfreeze individual demat account Kindly guide
Please ask customer to completely filled demat account modification form along with kyc and submit
it to pnbdepository@[Link]. You will get this form in pnb corporate website [Link]
also send you this form
Reply as on : 29.11.2025, Reference : NA
40. HOW MANY LOUNGES ELIGIBLE IN VISA SIGNATURE CORPORATE CREDIT CARD WITH
CORPORATE LIABILITY. KINDLY REPLY AND ALSO MENTION THE CIRCULAR NO. WITH
PAGE NO.
Please refer to Barm Credit card 82024 regarding Master circular on credit card guidelines for field
[Link],lounge facility is available to Rupay platinum,rupay select or rupay millennial [Link]
corporate credit card with corporate liability,
Reply as on : 29.11.2025, Reference : barm 8/2024
41. s proper Shop setup and stock required for application of POS machine
Yes proper Shop setup and stock required for application of POS machine
Reply as on : 29.11.2025, Reference : NA
42. Dear team,kindly refer any latest circular for issuing corporate credit card.
Please refer to BUSINESS ACQUISITION RELATIONSHIP MANAGEMENT DIVISION(CREDIT
CARD) CIRCULAR NO. 82024 dated 16-07-2024 regarding MASTER CIRCULAR PNB CREDIT
CARD GUIDELINES FOR FIELD FUNCTIONARIES. There you can get the guidelines like powers
etc of issuin
Reply as on : 29.11.2025, Reference : BARM 8/2024
43. From where we can get acknowledgement of receipt of deduction of PNB Metlife policy
You can get acknowledgement of receipt through whatsapp service of pnb metlife and khushi app or
through direct login into pnb metlife
Reply as on : 29.11.2025, Reference : Na
44. can we issue international credit card in CC or current account of an MSME borrower, please
guide for the extant bank guidelines to guide the customer
Any applicant who meets the criteria as per the BUSINESS ACQUISITION RELATIONSHIP
MANAGEMENT DIVISION(CREDIT CARD) CIRCULAR NO. 82024 dated 16-07-2024 can avail the
facility of credit card like age between 21-70 years, literate , independent financial mea
Reply as on : 29.11.2025, Reference : BARM 8/2024
45. staff HL sanctioned with METSURAKSHA PREMIUM, premium debited on 090125 at the time of
premium deduction staff already intimate that she is diabetic and as per this medical done.
They have rejected the policy saying customer is diabetic and refund the amount almost after
1 months [Link] please guide us it is ok as per insurance policy to reject the policy if
customer is declare that he is diabetic or policy to be issue only to non diabetic customer
Please take medical report and declaration letter from her that she is diabetic and they can reissue
the metloan [Link] is no issue regarding that . we can issue her term plan also
Reply as on : 29.11.2025, Reference : NA
46. Which companies offer Credit Life Policy to customers , is there any circular or notification
Pnb metlife- Met loan and Life Suraksha. Please refer to RABD CIRCULAR NO 492024 dated 20-05-
2024 and RABD CIRCULAR NO 03 2025 dated 07-01-2025 regarding ADVISORY ON CREDIT LIFE
INSURANCE IN HOME LOANS
Reply as on : 29.11.2025, Reference : RABD 49/2024 and RABD 3/2025
47. :Respected Sir,Can we do any transfer using a combo voucher(SIGNED BY THE CUSTOMER),
or do we need only cheque for transfer from customers account to third party insurance
productsKindly guide in this matter.
As per the CUSTOMER ACQUISITION DIVISION CIRCULAR NO. 17 2021 dtd 11.02.2021 regarding
Payprem [Link] is necessary to take authority letter from the customer in case the instrument typeis
a VC (Voucher) and keep in confirmatory with IAD circular no 31201
Reply as on : 29.11.2025, Reference : CAD 17/21 and IAD 31/2018
48. How to de-install Bharat QR Soundbox
THrough LTS portal on Non-Cbs Page, you can uninstall Bharat QR SoundboxQ
Reply as on : 29.11.2025, Reference : NA
49. Please let us know that which forms are require dto keep at branch while executing PAYPREM
and INSADM
We have to keep cheque with policy details writted on its back side in the branch
Reply as on : 29.11.2025, Reference : NA
50. We need to formulate a policy on positioning of metlife agents in branches. At present there
seem to be no correlation or information passed to bank from circle office as to the identity of
a metlife agent being positioned in branch. As seen, one fine day a new agent approaches and
replaces the old agent and sits on the designated table. This is a serious issue and needs to
be improved upon. There should a policy on governance as to the placement of identified
agents through co duly approved
When a FLS leaves the job, its informed to the concerned circle office by email, which in turn informs
the branches. regular mapping of metlife staff and mapped branches is being shared by metlife
officials with zonal office and circle office team. All mu
Reply as on : 29.11.2025, Reference : barm third party 15/2024
51. Account linked to demat account is closed. But pnb shared has been purchase with thats
demat account,kindly guide us
 Take Demat Modification form or account change form and send it to depository through mail at
depository@[Link] as account is mandatory for demat services
Reply as on : 29.11.2025, Reference : NA
52. HOW TO CALCULATE LIMIT FOR ISSUING RUPAY PLATINUM CREDIT CARD
lip or amountcredited in customers account with documentary evidence for SalariedBusiness Self
employed Professional for issuing Rupay Platinum is Rs [Link] other queries related to credit
card, please refer to BUSINESS ACQUISITION RELATIONSHIP MANAGE
Reply as on : 29.11.2025, Reference : barm third party 08/2024
53. How can update isfc and micr in any DP id.
Client can mail to depository on kindly email to depository@[Link] from his registered mail id for
updation of ISFC MICR
Reply as on : 29.11.2025, Reference : NA
54. How to convert the Gold bond purchased through branch to Demat form financing against
gold bond
Please send the dematerialization request form and annexure IV at sgb@[Link] and
depository@[Link]. i will send it to your watsapp no. You can download the forms from pnb
corporate website [Link] or through forms in knowledge repository
Reply as on : 29.11.2025, Reference : NA
55. What is process of opening demat account of HUF account
Non individual demat account opening form to be filled and sent to depository back office along with
the requisite [Link] for opening HUF account(a) Open the beneficiary account in the
name of the Karta of the HUF. The HUF account should not
Reply as on : 29.11.2025, Reference : NA
56. Can we share account number of customer the third party product representative Kindly
share bank guidelines on information that can be shared with such sales representative.
No account no to be [Link] can approach the customer themselves in the [Link] can
disseminate the requisite information in respect of the insurance products offered for sale by the
insurers with whom the bank has arrangement and take into accoun
Reply as on : 29.11.2025, Reference : BARM 18/2024
57. how to generate statement of BHIM QR or how customer can geenrate the statement online.
PNB QR Merchant app (available on playstore)For transactions received through Bharat QR. For
transactions received through BHIM upi. Pnb one or statement is the only possible wayout
Reply as on : 29.11.2025, Reference : NA
58. Where can an employee submit some suggestion regarding the digital products and
softwares like tab banking software of our bank
You can share your ideas or suggestions at Lead the parivartan portal after clicking on the link for
LEAD THE PARIVARTAN available on Knowledge Centre and on Non CBS Home page or use URL
[Link]
Reply as on : 29.11.2025, Reference : NA
59. please Provide corporate credit card scheme
Please refer BUSINESS ACQUISITION RELATIONSHIP MANAGEMENT DIVISION(CREDIT CARD)
CIRCULAR NO. 82024 dated 16-07-2024 regarding MASTER CIRCULAR PNB CREDIT CARD
GUIDELINES FOR FIELD FUNCTIONARIES for corporate credit card
Reply as on : 29.11.2025, Reference : BARM 8/2024
60. How can we surrender the QR Code soundbox
 For surrending the QR Code sound boxIf Bharat QR- Then LTS Portaland If Bhim QR- Then SPSD
Reply as on : 29.11.2025, Reference : NA
61. :can a joint account be opened by illiterate customer
:An Illiterate person may be allowed to open joint account with other illiterateperson subject to
compliance of KYC norms. No cheque book will however be issued in the joint account of illiterate
[Link] illiterate person may also open joint account wi
Reply as on : 29.11.2025, Reference : RBD 67/2017
62. The application form for merchant credit card is not available in the forms section of
knowledge repository and the form is the circular (BARM 102024) has the watermark. Where
can I get the form without the watermark
Mail to creditcardho@[Link] for the form or You have to fill form in CCAPP and after completion ,
take print out and get signed it by the customer and sent this copy to CCPC. Alloted card will be of
merchant categoty, if account no. of CC or Current ac
Reply as on : 29.11.2025, Reference : NA
63. Respected sir , i want to know about results of article writing competition 2025 published by
SMEAD division
Respected sir or madam, its not published [Link] than publishing in PNB ECOLENS APRIL 2025,
the results of the article writing competition would also be uploaded on the PNB KnowledgeCentre
site
Reply as on : 29.11.2025, Reference : NA
64. A cc customer wants to enhance UPI credit limit in his cc account since maximum of Rs. 1
Lakh is allowed as credit from UPI customer to our CC borrower. How to enhance the UPI limit
Please guide
As per the guidelines, For normal UPI, the transaction limit is up to Rs 1 lakh per transaction. For few
specific categories of transaction in UPI like capital market,collections, insuarance,foreign inward
remittances , the trasaction limit is up to Rs 2
Reply as on : 29.11.2025
65. please provide the corporate credit card list of documents and cir. no thanks
Documentation for Corporate Credit Card withIndividual LiabilityFrom Corporate Corporate will
authorize an officer (as is on Banks record), to recommend the applications for Corporate Credit
Cards by putting his signature along with stamp of the company a
Reply as on : 29.11.2025, Reference : BARM 8/2024

Product: Third Party products

1. how can I change the account number for receiving dividend of our ban
Please send demat account modification form to depository@[Link]
Reply as on : 29.11.2025, Reference : NA
2. Unable to found circular regarding Sound Box for business persons. Kindly let me know the
circular related to Sound box (BHIMBOX) apply and maintainance charges.
Please refer to CREDIT CARD AND MERCHANT ACQUIRING BUSINESS CIRCULAR NO. 72023
dated 10-04-2023 and BA RM DIVISION CURRENT DEPOSIT MERCHANT ACQUIRING BUSINESS
CIRCULAR NO 142023 dated 02-11-2023 for soundbox
Reply as on : 29.11.2025, Reference : CCD 7/2023 and BARM 14/2023
3. I have closed the APY of a customer 3months ago ,she has not received any amount till
 [Link] to do to help the customer
Please refer FINANCIAL INCLUSION DIVISION CIRCULAR NO: 05/2022 CONSOLIDATED
GUIDELINES FOR ATAL PENSION YOJANA - APY and after completion of the formalities as per
circular kindly take up the matter with respective Circle office in case of any issues.
Reply as on : 29.11.2025, Reference : FI Div Cir 05/2022
4. Can we issue lockers to the customers without taking any fized deposit to cover the rental
expenses. Please guide if there is any circular for the same.
There is a potential situation where the locker-hirer neither operates the locker nor pays the rent. To
ensure prompt payment of locker rent, a Term Deposit under income option shall be obtained, at the
time of allotment, which would cover three years ren
Reply as on : 29.11.2025, Reference : BARM 31/2025
5. How can we find or fetch hard copy of PAPL opened on [Link] guide me here how we print
and keep record maintain for remove audit [Link] try in non cbs e-mudra portal but
failed. User our branch incumbent and his domain password.
Please refer RABD CIRCULAR NO: 46/2025 DIGITAL LENDING PRE-APPROVED PERSONAL
LOAN- ALL VARIANT CONSOLIDATED GUIDELINES for dounlaoding the documents under the
above mentioned scheme.
Reply as on : 29.11.2025, Reference : RABD 46/2025
6. Kindly provide latest circular of commission charges of agency related to credit card
settlement or Upgradation
Please refer BARMMAB circular no 21 of 2025,page no 96.
Reply as on : 29.11.2025, Reference : BARM 21/2025
7. saving schmes
Please refer BUSINESS ACQUISITION RELATIONSHIP MANAGEMENT DIVISION (DEPOSIT
MARKETING), CIRCULAR NO 11,12,13,14,15,16 of 2025
Reply as on : 29.11.2025, Reference : BARM 11,12,13,14,15,16 of 2025
8. Third Party products):pls refer circular regarding procedure for conversion of physical
Sovereign Gold Bond into DEMAT form
To dematerialize your Sovereign Gold Bonds (SGBs), submit a Dematerialisation Request Form
(DRF) along with your physical bond certificates to your Depository Participant (DP) or the Reserve
Bank of India (RBI) e-Kuber portal
Reply as on : 29.11.2025, Reference : NA
9. how to apply credit card for retail customer please guide step by step
Credit card application you have to obtain in hardcopy along with KYC and income proof and send the
application duly filled and recommended to Credit card division.
Reply as on : 29.11.2025, Reference : NA
10. How can we track the status of soundbox applied through BHIMBOX
Mail to be sent to [Link]@[Link] & Digipos@[Link] in case installation is
pending beyond 7 working days of raising request in LTS portal.
Reply as on : 29.11.2025

Product: Third Party Products

1. PMSBY
please refer to FI DIVISION CIRCULAR NO 112021 dated 09.07.2021 regarding REVISED
 GUIDELINES FOR PRADHAN MANTRI SURAKSHA BIMA YOJANA-PMSBY
Reply as on : 29.11.2025, Reference : FI 11/2021
2. :Does branch need to check customer repaying capacity in MetLife policy .. what is bank
guidelines in selling third party products
Please refer to BA RM DIVISION - THIRD PARTY PRODUCTS WEALTH MANAGEMENTCIRCULAR
NO.152024 dated 13-06-2024 regarding POLICY FOR MARKETING OF THIRD-PARTY PRODUCTS
Reply as on : 29.11.2025, Reference : BARM TPP 15/2024
3. Can we issue a debit card to minor or under guardianship account
We can only issue debit card to Minor students who are aged 10 years and above(self operated
account)Please refer to BARMSD 112024 policy for debit card 2024-25 if you want to see more about
eligible customers for debit card issuance
Reply as on : 29.11.2025, Reference : BARMSD 11/2024
4. can GBB debit insurance premium of third party product like life insurance, health insurance
from VC (combo voucher) and request form of concern company.
:As per the CUSTOMER ACQUISITION DIVISION CIRCULAR NO. 17 2021 dtd CUSTOMER
ACQUISITION DIVISION CIRCULAR NO. [Link] is necessary to take authority letter from the
customer in case the instrument typeis a VC (Voucher) and keep in confirmatory with
Reply as on : 29.11.2025, Reference : CAD 17/2021
5. Jan suraksha portal
Please refer to FI DIVISIONCIRCULAR NO.- 162023 dated 22-09-2023 JANSURAKSHA PORTAL -
ENROLLMENT AND CLAIM LODGEMENT UNDER PMJJBY PMSBY SCHEMES
Reply as on : 29.11.2025, Reference : FI 16/2023

Topic: Sales and Marketing - Deposit Products

Product: Current Account

1. customer wants auto sweep facility with more than 179 days or greater than 4.9 ROI. any
scheme or method to offer customer. customer having maximum fund in other Bank and other
Bank providing 5 Roi in current scheme facility.
For savings account, sweep facility is issued for minimum period of 7 days and for maximum period of
179 days. However for current account customers under the SMART BANKING CURRENT
ACCOUNT and PNB EXPERT CURRENT ACCOUNT, the Tenor is from 7 days to 1 year
Reply as on : 20.11.2025, Reference : BUSINESS ACQUISITION RELATIONSHIP MANAGEMENT
DIVISION (BARM) CURRENT DEPOSITS MAB CIRCULAR NO. 06/2024 and BUSINESS
ACQUISITION RELATIONSHIP MANAGEMENT DIVISION (BARM) CURRENT DEPOSITS
MABCIRCULAR NO. 20 /2023
2. PNB vikas current account is a active scheme in pnb for open of current account or
discontinue kindly also provide benefit of this scheme as vendor state that POS charges
applicable in this scheme but in circular it is state that POS is free
Yes, Vikas account is an active current account scheme of the Bank, which was introduced as PNB
CAPOS Scheme having two variants PNB Vikas Current Account PNB Samridhi Current Account. The
Vikas account is specially designed for targeting customers of T
Reply as on : 19.11.2025, Reference : Retail Liability Business Division Circular No. 17/2021
3. Guideline of CABNK (CA of other bank) scheme is available in which circular.
Please refer BUSINESS ACQUISITION RELATIONSHIP MANAGEMENT DIVISION (Current
Deposits) Circular No. 09/2023 CURRENT ACCOUNT CONSOLIDATED GUIDELINES FOR
 COMPLETE DETAILS.
Reply as on : 10.11.2025, Reference : BUSINESS ACQUISITION RELATIONSHIP MANAGEMENT
DIVISION (Current Deposits) Circular No. 09/2023
4. which is the circular related to INCIDENTAL CHARGES in general current account
Please refer to BARM (DM) 07/2024, page no. 9, point number 6 for complete details. It is also
requested to go through scheme related features of the said current accounts.
Reply as on : 23.10.2025, Reference : BARM (DM) 07/2024
5. what is atm usage charges of current account in pnb for other bank atm
For current accounts, all transactions at other bank ATMs will be chargeable @Rs.23 (plus applicable
taxes) for financial transactions and Rs. 11 (plus applicable taxes) for non-financial transactions.
Please refer OPERATIONS DIVISION ADC RECON CIRCULAR
Reply as on : 06.10.2025, Reference : OPERATIONS DIVISION ADC RECON CIRCULAR NO.
06/2025
6. Please suggest a current account variant for opening Current account for Army Canteens as
they desire zero charges for cash deposit and withdrawals POS and all possible banking
products. Or any MOU which provides such exemptions
PNB CURRENT ACCOUNT - POINT OF SALE SCHEME (CAPOS) may be suitable. Also request you
to refer Current Account schemes circular BARM (Current Deposits) Circular No. 09/2023 for complete
details.
Reply as on : 25.09.2025, Reference : BARM (Current Deposits) Circular No. 09/2023
7. What are the cash handeling charges in current account
For cash deposit a) Up to 1 Lakh (Per day) Freeb) Above 1 Lakh (Per day) 1- per thousand, subject to
min. 100-, max 30000-For cash withdrawal All CACCOD and other Accounts of Customers Free up to
1 Lakh per day. Thereafter, 2 per 1000- or part [Link]
Reply as on : 10.09.2025, Reference : BUSINESS ACQUISITION RELATIONSHIP MANAGEMENT
DIVISION (BARM) CURRENT DEPOSITS MAB CIRCULAR NO. 06/2024
8. Under SMART BANKING CURRENT ACCOUNT Platinum. Scheme Code - CSMR4, if a customer
is maintaining Monthly Average Balance of Rs 50.00 Lac. Does any authority (i.e. COZOHO) has
power to waive the charges on cash withdrawal on withdrawal of above Rs. 2.00 Crore (i.e.
maximum capping allowed in the scheme).
Circle Head have 100 powers for relaxation in cash handling charges. Please refer RETAIL BANKING
DIVISION (RESOURCES) CIRCULAR NO 29/2020 dated 15.04.2020. Please send recommendation
to PD Department at CO along with cost benefit analysis.
Reply as on : 02.09.2025, Reference : RETAIL BANKING DIVISION (RESOURCES) CIRCULAR NO
29/2020
9. Kindly guide us about scheme codes in Current account for relaxationwaiver of Non credit
charges i.e NEFTRTGS CHARGES,DD COMISSION CHARGES, CHEQUE BOOK CHARGES.
Open under SMART BANKING CURRENT ACCOUNT. For Gold - CSMR2, For Diamond - CSMR3
and for Platinum - CSMR4. For more details, please refer BUSINESS ACQUISITION RELATIONSHIP
MANAGEMENT DIVISION (BARM) CURRENT DEPOSITS MAB CIRCULAR NO. 06/2024 dated
15.03.
Reply as on : 21.08.2025, Reference : BUSINESS ACQUISITION RELATIONSHIP MANAGEMENT
DIVISION (BARM) CURRENT DEPOSITS MAB CIRCULAR NO. 06/2024
10. CIRCULAR ON CAGEN CURRENT ACOOUNT
please be guided by BARM Current Deposits Circular No. 092023 Current Account Consolidated
 Guidelines GENERAL CURRENT ACCOUNT at page 6 of 21.
Reply as on : 23.07.2025, Reference : BARM Current Deposits Circular No. 09/2023

Product: Deposit Accounts

1. Can we make nominee a PET in deposit accounts like saving FD, Locker, Safe [Link]
question was asked by a retired respected customer. If yes please quote circular no or guide
the procedure.
Nomination which does not exist and or are false andor are not real although it is claimed to be real
are BogusFictitious Nomination. Nomination can be made in favour of individual(s) [Link] refer
BUSINESS ACQUISITION RELATIONSHIP MANAGEMENT DIVISIO
Reply as on : 01.09.2025, Reference : BUSINESS ACQUISITION RELATIONSHIP MANAGEMENT
DIVISION DEPOSIT MARKETING CIRCULAR NO. 35/2025
2. can u please guide what are the required documents for current account ,savings account and
Nro account...Please list it.....
For Savings account, any one OVD and PAN Form 60. There are various types of current accounts
depending on their constitution, please refer Data Privacy and Management Division Circular
No.132025 regarding POLICY FOR KNOW YOUR CUSTOMER dated 19.03.2025 fo
Reply as on : 18.07.2025, Reference : Data Privacy and Management Division Circular No.13/2025
regarding POLICY FOR KNOW YOUR CUSTOMER dated 19.03.2025

Product: Fixed Deposit

1. scheme code for ANUPAM TERM DEPOSIT SCHEME-staff

The scheme code for Anupam Term Deposit is- FDANP and for Sr Citizen is FDSAP. Please refer
BARM - Deposit Marketing Circular No 46/2025 for more details.
Reply as on : 12.11.2025, Reference : BARM - Deposit Marketing Circular No 46/2025
2. PNB Sugam deposit limit
The PNB Sugam Term Deposit Scheme allows a minimum deposit of 10,000 and a maximum deposit
Rs 10 lac per Cust ID. Deposits can be made in multiples of 1. For detailed information, please refer to
the following circular Retail banking division(resources) c
Reply as on : 11.11.2025, Reference : Retail banking division(resources) circular no.15/2020 and
BARM 09/2023
3. In our branch customer have both type of capital gain account type A and Type B. Now
customer wants to close his one FD (Type B) account for buy a property. Can be close the
account without taking form G or Form G is mandatory for every account closure. Or form G is
mandatory at the time when final account type A closure. Please give clarification.
Request you to refer circular RETAIL LIABILITY BUSINESS DIVISION CIRCULAR NO. 11/2023, point
no. 9 and 10 on page no. 8 and 9 for complete details.
Reply as on : 10.11.2025, Reference : RETAIL LIABILITY BUSINESS DIVISION CIRCULAR NO.
11/2023
4. I am writing to seek clarity on the Minimum Investment Amount for the PNB Growth Fixed
Deposit Scheme. Ive noticed conflicting figures across various sources (1 Cr, 2 Cr) versus the
official website (3 Cr). Could you please provide the latest circular or internal communication
confirming the exact and current minimum deposit amount to resolve this discrepancy
The definition of Bulk Deposit has changed from 2 crore to 3 crore vide circular BA RM DIVISION
SAVING DEPOSIT, DEBIT CARD, NRI BUSINESS OTHERLIABILITIES BUSINESS CIRCULAR
 No.14/2024 AMENDMENT IN DEFINITION OF BULK DEPOSIT. Please refer circular RETAIL
Reply as on : 27.10.2025, Reference : BA RM DIVISION SAVING DEPOSIT, DEBIT CARD, NRI
BUSINESS OTHERLIABILITIES BUSINESS CIRCULAR No.14/2024
5. WHERE CAN I FIND THE CIRCULAR AND ANNEXURE FOR LESS INTEREST PAID TO THE
CUSTOMER IN FIXED DEPOSIT ACCOUNTS
Please refer BUSINESS ACQUISITION RELATIONSHIP MANAGEMENT DIVISION DEPOSIT
MARKETING CIRCULAR NO. 35/2025 dated 24.07.2025 regarding POLICY OF THE BANK FOR
DOMESTIC RESIDENT RUPEE DEPOSITS.
Reply as on : 24.10.2025, Reference : BUSINESS ACQUISITION RELATIONSHIP MANAGEMENT
DIVISION DEPOSIT MARKETING CIRCULAR NO. 35/2025
6. IS THERE ANY NEW OR CHANGE IN BANK GUIDLINES REGARDING ISSUANCE OF
DUPLICATE FDR WITHOUT TAKING INDEMNITY BOND FROM THE CUSTOMER
Where Confirmation of Deposit is reported lost, a letter to this effect will be obtained from the depositor
and duplicate Confirmation of Deposit will be issued, without asking for the indemnity and after
observing usual safeguards, viz. verification of s
Reply as on : 08.10.2025, Reference : BUSINESS ACQUISITION RELATIONSHIP MANAGEMENT
DIVISION DEPOSIT MARKETING CIRCULAR NO. 35/2025
7. FD INDEMINITY BOND CIRCULAR
Please refer BUSINESS ACQUISITION RELATIONSHIP MANAGEMENT DIVISION DEPOSIT
MARKETING CIRCULAR NO. 35/2025 dated 24.07.2025.
Reply as on : 25.09.2025, Reference : BUSINESS ACQUISITION RELATIONSHIP MANAGEMENT
DIVISION DEPOSIT MARKETING CIRCULAR NO. 35/2025
8. after death of customer Fd Contact rate will be continue or customer will get saving account
interest, please clarify and mention circular No.
In the event of the death of the depositor before the date of maturity of the deposit and amount of the
deposit is claimed after the date of maturity, the Bank shall pay interest at the contracted rate till the
date of maturity. From the date of maturity
Reply as on : 19.09.2025, Reference : BUSINESS ACQUISITION RELATIONSHIP MANAGEMENT
DIVISION DEPOSIT MARKETING CIRCULAR NO. 35/2025
9. WE NEED NO OPEN NRE FIXED DEPOSIT OF RS 1 CR AND 3 CR . WHICH ARE THE BEST
SCHEME CODES AVAILABLE FOR OPENING NRE FIXED DEPOSITS IN ORDER TO PROVIDE
BEST SERVICES TO THE [Link] PROVIDE THESE AS SOON AS POSSIBLE.
You can open PNB NRE RUPEE SUGAM TERM DEPOSIT SCHEME. Please refer RETAIL
BANKING DIVISION (RESOURCES) CONSOLIDATED CIRCULAR No. 15/2020 dated 30.03.2020 for
detailed information.
Reply as on : 18.09.2025, Reference : RETAIL BANKING DIVISION (RESOURCES)
CONSOLIDATED CIRCULAR No. 15/2020
10. PNB PALAASH GREEN MONTHLY deposit scheme
Please refer BA RM DIVISION SAVING DEPOSIT, DEBIT CARD, NRI BUSINESS OTHER
LIABILITIES BUSINESS CIRCULAR No. 17/2024 dated 25.06.2025 regarding INTRODUCTION OF
PNB PALAASH GREEN DEPOSIT. The Scheme Code other than NRE NRO category for monthly
frequency
Reply as on : 01.09.2025, Reference : BA RM DIVISION SAVING DEPOSIT, DEBIT CARD, NRI
BUSINESS OTHER LIABILITIES BUSINESS CIRCULAR No. 17/2024
11. Can a capital gain FD be openend for 390 days so that the customer can get 6.70 interest.
 As per RLBD CIRCULAR NO. 11/2023 (MODIFICATION IN CAPITAL GAINS ACCOUNT SCHEME -
1988), the tenor of Deposit can be for any period from 46 days to 120 months, even for incomplete
quarters, such as, 13 months, 14 months, 37 months 16 days and soon, wherei
Reply as on : 27.08.2025, Reference : RLBD CIRCULAR NO. 11/2023 (MODIFICATION IN CAPITAL
GAINS ACCOUNT SCHEME - 1988)
12. what is the process for giving overdue interest to the customer as customer is demanding the
overdue interest as on fdr interest rate.
Discretionary power of allowing payment of interest in case of exceptional circumstances of less
payment of interest for all types of deposits, on case to case basis on each individual deposit
receiptswrong payment of interest shall be with Zonal Manager,
Reply as on : 26.08.2025, Reference : BUSINESS ACQUISITION RELATIONSHIP MANAGEMENT
DIVISION DEPOSIT MARKETING CIRCULAR NO. 35/2025
13. we have a customer which has 22000 due in newshort menu and also he has an FD of rs
56000 now he want to close this FD and not agree to pay dues what to do in this situation.
Kindly refer RETAIL BANKING DIVISION (RESOURCES) CIRCULAR NO 29/20 dated 15.04.2020
regarding Service Charges - Non Credit Related Charges Discretionary Powers to Permit
WaiverRelaxation for details.
Reply as on : 07.08.2025, Reference : RETAIL BANKING DIVISION (RESOURCES) CIRCULAR NO
29/20
14. One of our customer wants to nominate more than one nominee in fixed deposit is there
options available in CBS to nominate the same kindly clarify
In deposit accounts, nomination can be made in favour of one individual only. Please refer
BUSINESS ACQUISITION RELATIONSHIP MANAGEMENT DIVISION DEPOSIT MARKETING
CIRCULAR NO. 35 2025 dated 24.07.2025 for more details.
Reply as on : 04.08.2025, Reference : BUSINESS ACQUISITION RELATIONSHIP MANAGEMENT
DIVISION DEPOSIT MARKETING CIRCULAR NO. 35/2025
15. what is scheme code for fdr of Rs 7 crore customer requires interest rate of 6.75
Recommended schemes are- PNB UTTAM TERM DEPOSIT SCHEME and PNB GROWTH FIXED
DEPOSIT SCHEME, however more customer related details are required (e.g. age of customer,
category of customer etc.) to provide specific scheme applicability. For interest rate pl
Reply as on : 02.08.2025, Reference : ALM - IRMD CIRCULAR NO. 15/2025
16. can we open capital gain account mode of operation as either or survivor
No, Joint Account is not allowed in Capital Gain Account Scheme. Request you to please refer RBD
Cir no 16/2020 dated 30.03.2020.
Reply as on : 30.07.2025, Reference : RBD Cir no 16/2020
17. INTEREST RATES IN PNB PALASH SCHEME
The present interest rates on Green Deposits made under PNB Palaash Scheme are given in ALM -
IRMD CIRCULAR NO. 122025 17-06-2025, wherein it has been mentioned that there are Four
buckets of term deposits has been specifically categorized as per tenure a
Reply as on : 23.07.2025, Reference : ALM - IRMD CIRCULAR NO. 12/2025
18. WHAT TO DO IF FDR RECEIPT LOST .IS IT POSSIBLE TO TAKE THE UNDERTAKING ONLY
FROM CUSTOMER AND FDR MAY BE CREDITED TO HIS AC ON MATURITY AND WITHOUT
MATURITY .
The bank is not entitled to withhold payment of the money, should a deposit receipt be lost or
destroyed but the depositor should be asked to sign the prescribed Indemnity Bond, on form no.
 PNB-322 (stamped according to local law) in case TDR was issued o
Reply as on : 18.07.2025, Reference : IAD CIRCULAR NO.02/2018 Dated 03.01.2018
19. IF A FDR IS IN AUTO RENEW AND BORROWER WAS DIED IN 2017 BUT THE NOMINEE HAS
COME TO CLAIM THE FDR IN 2025, KINDLY GUIDE WHETHER WE WILL CREDIT NOMINEE
WITH THE WHOLE AMOUNT OR WITH THE INTEREST CREDIT IN HIS FDR TILL HIS DEATH..
The rate of interest payable to the heirs of a deceased depositor on the term deposit account of
deceased depositor(s) would be as under -a) In the event of death of the depositor before the date of
maturity of deposit and amount of the deposit is claimed
Reply as on : 18.07.2025, Reference : IAD CIRCULAR NO.02/2018 Dated 03.01.2018

Product: Locker

1. as per locker circular REDUCED RENT OF LOCKERS SITUATED IN LAST FOUR ROW OF EACH
LOCKER CABINET please clear that last four row was top 4 rows or below 4 rows
As per the locker circular regarding the reduced rent for lockers situated in the last four rows of each
locker cabinet, the term last four rows refers to the bottom four rows of the locker cabinet. This means
the lockers situated at the very end or lower
Reply as on : 19.11.2025, Reference : BARM-Deposit and Marketing Circular Number 31/2025 and
RLBD 15/2023

Product: Savings Account

1. Customer is having SCSS Account Which was matured 13 months back. customer now visited
the bank. We can proceed for Closure but how customer will get the overdue interest. Interest
is not credited since maturity. What can be done in this case, please guide
In case the depositor does not close the account on maturity and also does not extend the account,
the account shall be treated as matured and the depositor will be entitled to close the account at any
time subject to condition that post maturity interest
Reply as on : 24.10.2025, Reference : [Link] DIVISION CONSOLIDATED CIRCULAR
[Link]- 13/2020
2. SB ACCOUNT HOLDER BEARING AC NO 5192000100002923 HAVING RUPAY DEBIT CARD
BEARING NO 5085460048779196 ACCIDENTALY DEAD ON 01082025. NOMINEE APPLIED FOR
RUPAY DEBIT CARD INSURANCE CLAIM. WE WANTS TO KNOW THAT ACCIDENTAL CLAIM
SHALL BE APPLICABLE ON THIS CARD OR NOT. IF APPLICABLE THAT WHAT IS THE
PROCEDURE OF REGISTER [Link] GUIDE US AS EARLY AS POSSIBLE.
Please refer BUSINESS ACQUISITION RELATIONSHIP MANAGEMENT DIVISION -CARDS AND
MAB CIRCULAR NO. 08/2025 dated 17.04.2025. The claim procedure is mentioned in details.
Reply as on : 17.10.2025, Reference : BUSINESS ACQUISITION RELATIONSHIP MANAGEMENT
DIVISION -CARDS AND MAB CIRCULAR NO. 08/2025
3. Details knowledge of nri and nre account and their deposit scheme, tax imposed and others
services
Please refer to IBD FOREIGN EXCHANGE CIRCULAR NO. 25/2025 LAUNCH OF NEW NRI
SAVINGS SCHEME PNB GLOBAL PRIME ACCOUNT for complete details. There are various
dimentions of taxation which is very difficult to generalise. Request you to explain the scenario
Reply as on : 15.10.2025, Reference : IBD FOREIGN EXCHANGE CIRCULAR NO. 25/2025
4. do we have any debit card facility that provides lounge facility to both cardholder and
dependant kindly guide
 Please BARM DIVISION CARDS MAB CIRCULAR NO. 07/2025 dated 15-04-2025 regarding
LAUNCH OF NEW DEBIT CARD VARIANTS. Details of each card is given in the said circular.
Reply as on : 13.10.2025, Reference : BARM DIVISION CARDS MAB CIRCULAR NO. 07/2025
5. Please provide the claim procedure for the accidental death of the account holder under PNB
SAMMAN SAVING SCHEME
The insurance company for group personal accidental insurance cover for PNB Samman Savings
Scheme is Ms New India Assurance Company Ltd. The Claim Intimation can be done within 1 year
(365 days) post the date of incidentaccident. For intimating a claim ag
Reply as on : 08.10.2025, Reference : BARM (DEPOSIT MARKETING) CIRCULAR No. 29/2025
6. Dear collegues,Can widow of ex-staff entitled for 1 Preferential interest in deposit accounts. If
yes please provide the circular [Link] and regards
NO. Only staff and ex staff are eligible. Please refer BUSINESS ACQUISITION RELATIONSHIP
MANAGEMENT DIVISION DEPOSIT MARKETING CIRCULAR NO. 35/2025 dated 24.07.2025.
Reply as on : 26.09.2025, Reference : BUSINESS ACQUISITION RELATIONSHIP MANAGEMENT
DIVISION DEPOSIT MARKETING CIRCULAR NO. 35/2025
7. if a customer is taking rupay platinum international card ,free lounge facility is available in
domestic international airports Is it resticted to any counts
As per BA RM DIVISION CARDS MAB CIRCULAR NO. 07/2025 dated 15.04.2025, the lounge facility
is linked to the scheme code of the account irrespective of the card variant. Kindly check lounge facility
for specific scheme in the said circular.
Reply as on : 19.09.2025, Reference : BA RM DIVISION CARDS MAB CIRCULAR NO. 07/2025
8. who has the power to relax account maintenance chgs folio chgs
Please refer Retail Banking Division (Resources) circular no 29/2020 dated 15.04.2020 regarding
Service Charges Non Credit Related Charges Discretionary Powers to Permit Waiver Relaxation.
Reply as on : 19.09.2025, Reference : Retail Banking Division (Resources) circular no 29/2020
9. for claim passed by Railway Claim Tribunal , can we open MACT sb and td account and
transfer claim amount in these accounts.
Yes it can be opened at branch level. Please refer OPERATIONS DIVISION (Back Office Section)
CIRCULAR NO. 03/2021 dated 28.01.2021 for details.
Reply as on : 19.09.2025, Reference : OPERATIONS DIVISION (Back Office Section) CIRCULAR
NO. 03/2021
10. how to open capital gain account
The accounts can be opened by depositors means an assessee who is eligible to make a deposit
under Section 54, 54-B, 54-D, 54-F, 54GB and 54-G of the Income Tax Act. Please refer RETAIL
LIABILITY BUSINESS DIVISION CIRCULAR NO. 11/2023 dated 13.03.2023 reg
Reply as on : 18.09.2025, Reference : RETAIL LIABILITY BUSINESS DIVISION CIRCULAR NO.
11/2023
11. Sir,What is the procedure for withdrawal of amount from capital gain account by a nominee. Is
nominee required to furnish any proof of investment for claiming the amount
If a depositor in respect of whose deposit account a nomination is in force, dies, the nominee, if he
desires to close the account or accounts and obtain the payment of the balance standing to the credit
in the account of the deceased depositor, shall mak
Reply as on : 18.09.2025, Reference : RETAIL LIABILITY BUSINESS DIVISION CIRCULAR NO.
11/2023
12. Please provide the operative circular related to Cash Handling charge in saving account.
 Please refer BUSINESS ACQUISITION RELATIONSHIP MANAGEMENT DIVISION (DEPOSIT
MARKETING) CIRCULAR No. 07/2024 dated 01.10.2024 regarding MODIFICATION IN NON-
CREDIT RELATED SERVICE CHARGES (GENERAL BANKING).
Reply as on : 17.09.2025, Reference : BUSINESS ACQUISITION RELATIONSHIP MANAGEMENT
DIVISION (DEPOSIT MARKETING) CIRCULAR No. 07/2024
13. CIRCULAR FOR REFUND OF DD ISSUANCE CHARGES ONCE THE SAME HAS BEEN
DEDUCTED
Please refer RETAIL BANKING DIVISION (Resources) Circular No 29/2020 dated 15.04.2020
regarding SERVICE CHARGES Non Credit Related Charges Discretionary Powers to Permit
WaiverRelaxation.
Reply as on : 17.09.2025, Reference : RETAIL BANKING DIVISION (Resources) Circular No
29/2020
14. Kindly let us know whether any SB account variant is there where cash handling charge can
be waived.
The customer can open under PNB Elite Saving Scheme having 2 variants. In Executive scheme,
Cash Deposit Charges and Cash Withdrawal Charges are 5 Free transactions per month while in
while in Grand Scheme, cash deposit and withdrawal are unlimited. Pleas
Reply as on : 12.09.2025, Reference : BUSINESS ACQUISITION RELATIONSHIP MANAGEMENT
DEPOSIT MARKETING CIRCULAR NO. 13/2025
15. can SI FaILURE CHARGES CMS charges be reversed..If yes what is the procedure and which
is the concerned circular.
Please refer RETAIL BANKING DIVISION (Resources) Circular No 29/2020 dated 15.04.2020
regarding Service Charges Non-Credit Related Charges Discretionary Powers to Permit
WaiverRelaxation.
Reply as on : 29.08.2025, Reference : RETAIL BANKING DIVISION (Resources) Circular No
29/2020
16. Dear Sir,Can we convert Scheme SBNRE to flexi sweep. kindly guide us.
Yes, please refer to IBD FOREIGN EXCHANGE CIRCULAR NO. 25/2025 for complete details.
Reply as on : 27.08.2025, Reference : IBD FOREIGN EXCHANGE CIRCULAR NO. 25/2025
17. Savings account for Farmers
There is a customized savings account for farmers. The scheme is having two variants Harit and
Samriddhi with average balance requirement of Rs. 5,000- and Rs. 25,000- respectively. Please refer
BUSINESS ACQUISITION RELATIONSHIP MANAGEMENT DEPOSIT MARK
Reply as on : 26.08.2025, Reference : BUSINESS ACQUISITION RELATIONSHIP MANAGEMENT
DEPOSIT MARKETING CIRCULAR NO. 14/2025 dated 12.04.2025
18. What is Account Maintenance charge LF, and what kind of charge has been deducted
It is Ledger Folio charge. Please refer BUSINESS ACQUISITION RELATIONSHIP MANAGEMENT
DIVISION (DEPOSIT MARKETING) CIRCULAR No. 07/2024 for more details.
Reply as on : 26.08.2025, Reference : BUSINESS ACQUISITION RELATIONSHIP MANAGEMENT
DIVISION (DEPOSIT MARKETING) CIRCULAR No. 07/2024
19. HI... GOOD EVECAN YOU PLEASE SHARE THE ACCOUNT STATEMENT CHARGES CIRCULAR
APPLICABLE TO SBCCCAOD ACCOUNTS IN OFFLINE MODE.
PLease refer BUSINESS ACQUISITION RELATIONSHIP MANAGEMENT DIVISION (DEPOSIT
MARKETING) CIRCULAR No. 07/2024 dated 01.10.2024. a) Issuance of new passbook shall be free
of cost. b) For CA/CC/OD One statement of account per month free. c) In case customer
 Reply as on : 19.08.2025, Reference : BUSINESS ACQUISITION RELATIONSHIP MANAGEMENT
DIVISION (DEPOSIT MARKETING) CIRCULAR No. 07/2024 dated 01.10.2024.
20. A lady customer is the widow of an army personnel. She is now receiving pension. Is she
eligible for Rakshak Pension Account scheme
Family pensioner is not eligible. The pensioner should be from one of the following - Indian Air Force,
Indian Army, Indian Navy, Central Police Forces, State Police Forces, Union Territories Police forces,
Railway Police Forces [Link] refer BUSINESS
Reply as on : 19.08.2025, Reference : BUSINESS ACQUISITION RELATIONSHIP MANAGEMENT
DIVISION DEPOSIT MARKETING CIRCULAR NO. 15/2025
21. In New salary accounts like optima or excel we had received queries from customer that bank
no provide any certificate for insurance and also not obtained any form for if any family
member will die then who will became the claiment and how defined per head claim amount
These are the additional features provided by the bank free of cost just by complying the account
related terms condition. In case of any claim, the communications through email letter for intimating
the claim forwardingdocuments correspondence regarding
Reply as on : 16.08.2025, Reference : BUSINESS ACQUISITION RELATIONSHIP MANAGEMENT
DIVISION(DEPOSIT MARKETING) CIRCULAR No. 29/2025
22. How to provide hospi cash facility to salary account customer under new variant like optima,
excel
Hospicash facility is one of the integrated benefit that a customer get, with the revamped Salary
Savings Account Schemes, for example- PNB NEO Saving Account Scheme and PNB EXCEL
Saving Account Scheme get maximum hospicash benefit of Rs 30 Thousand while
Reply as on : 16.08.2025, Reference : BUSINESS ACQUISITION RELATIONSHIP MANAGEMENT
DIVISION(DEPOSIT MARKETING) CIRCULAR No. 29/2025 dated 08.07.2025
23. As per recently launched salary account schemes viz. Neo, Excel, [Link] you please guide,
Bank has tie up with which insurance company for various coverage of Accidental Insurance,
Hospicash, etc. And procedural guidelines to be followed by customers if such incident
[Link]
For Civilian SalariedPensioner Accounts, the insurance company is Ms New India Assurance
Company Ltd. Procedural guidelines and claim process are given in BUSINESS ACQUISITION
RELATIONSHIP MANAGEMENT DIVISION(DEPOSIT MARKETING) CIRCULAR No. 29/2025 date
Reply as on : 06.08.2025, Reference : BUSINESS ACQUISITION RELATIONSHIP MANAGEMENT
DIVISION(DEPOSIT MARKETING) CIRCULAR No. 29/2025
24. what will be proof required to open a saving account of Nepali Citizen
Please refer to page number 106 of the POLICY FOR KNOW YOUR CUSTOMER vide Data Privacy
and Management Division Circular No.13/2025. You are also requested to guided by the OVD and
CDD guidelines, mentioned in the Circular.
Reply as on : 06.08.2025, Reference : POLICY FOR KNOW YOUR CUSTOMER vide Data Privacy
and Management Division Circular No.13/2025
25. Penal charges for failure of Standing instructions has been charged in the saving account
where sim is given for credit to RD account. due to failure of sim penalty has been charged in
saving account. Please share the respective power chart for waving these charges
Please refer RETAIL BANKING DIVISION (RESOURCES) CIRCULAR NO 29/2020 dated
15.04.2020 regarding SERVICE CHARGES NON-CREDIT RELATED CHARGES -
DISCRETIONARY POWERS TO PERMIT WAIVER RELAXATION.
Reply as on : 05.08.2025, Reference : RETAIL BANKING DIVISION (RESOURCES) CIRCULAR NO
 29/2020
26. in which scheme code we should open MACT (MOTER ACCIDENT COUR TRIBUNAL ) FD
accounts so that tds not deducted .please refer circular and scheme code .
Branch needs to open the accounts Motor Accident Claims Annuity term Deposit(MACAD) under
scheme code FDMAC. MACT claims Saving Account will be opened under scheme code SBMAC
through menu [Link] receipt will be issued for annuity deposit. Only passboo
Reply as on : 30.07.2025, Reference : OPERATIONS DIVISION (Back Office Section) CIRCULAR
NO. 03/2021
27. I want to know about dsp accounts circular
Please refer BUSINESS ACQUISITION RELATIONSHIP MANAGEMENT DIVISION DEPOSIT
MARKETING CIRCULAR NO. 15 2025 regarding REVAMPING OF PNB RAKSHAK PLUS SCHEME
WITH FOUR VARIANTS (RAKSHAK, POLICE RAKSHAK, AGNIRAKSHAK, RAKSHAK
PENSIONER) dated 12.04.2025 for m
Reply as on : 18.07.2025, Reference : BUSINESS ACQUISITION RELATIONSHIP MANAGEMENT
DIVISION DEPOSIT MARKETING CIRCULAR NO. 15/2025
28. Know about sbdps scheme
Existing scheme code SBDPS will be marked under sunset scheme and accordingly no new account
will be opened transferred under to this scheme. But the existing concessions in SBDPS continue as
already [Link] refer BUSINESS ACQUISITION RELATIONS
Reply as on : 18.07.2025, Reference : BUSINESS ACQUISITION RELATIONSHIP MANAGEMENT
DIVISION DEPOSIT MARKETING CIRCULAR NO. 15/2025
29. Is staff rate of interest i.e. 01 extra ROI applicable to saving account having staff member as
secondary account holder back since 2003
Please refer Retail Banking Division (Resources) Circular No 432018 dated 12.12.2018 and RBD
(Resources) Circular No 132017 dated 01.05.2017. The benefit of additional rate of interest to banks
staff memberretired staff member is available only in case th
Reply as on : 18.07.2025, Reference : Retail Banking Division (Resources) Circular No 43/2018
dated 12.12.2018 and RBD (Resources) Circular No 13/2017
30. Can we open saving account for person with 75 locomotor and intellectual disability
Yes. Mentally ill and persons suffering from disabilities like Autism, Cerebral Palsy, Mental
retardation and Multiple Disabilities, do need banking services, branches may allow opening an
account operations in the accounts of the persons, under any of t
Reply as on : 18.07.2025, Reference : IAD Cir. No. 32 /2017 dated 21.08.2017
31. what is hospicash mentioned in salary account schemes and how are they claimed by
customer
Hospicash, also known as hospital cash or daily hospital cash, is a type of health insurance that
provides a fixed daily allowance for each day of hospitalization, regardless of the actual medical
expenses incurred. This daily cash benefit can be used to
Reply as on : 18.07.2025, Reference : BUSINESS ACQUISITION RELATIONSHIP MANAGEMENT
DIVISION (DEPOSIT MARKETING) CIRCULAR No. 29/2025
32. How to open CUSTOMISED ACCOUNT NUMBER CURRENT ACCOUNT Also please share
related circular. Thank you.
please be guided by BARMDM Cir no 25/2025 which lays down Framework for Customized Account
Number. customized scheme codes are provided in Annexure-I of the circular at page no 4 of 14.
SOP is mentioned thereafter. A search facility has been enabled in CB
 Reply as on : 16.07.2025, Reference : BARMDM Cir no 25/2025
33. Can we issue, Add on cards in a Global Prime account. Is any thing specific requirement of
issuing the [Link] there any charges for issuing Add on cards, whether all the facilities
available with the primary cards also applies to the add on cards.
Card holder can get 2 more Debit cardsin the name of his her spouse anddependent parents and
children not below 18 years old. Debit card will be linked to thecardholders main account. Please
refer BARM Card MAB 5/2025 and IBD Foreign Exchange 25/2025 fo
Reply as on : 16.07.2025, Reference : BARM Card MAB 5/2025 and IBD Foreign Exchange 25/2025
34. Customer account open under scheme code SBNPS. System deduct ATM card charges.
Please share cicular for the same
Request you to refer RBD-RESOURCES HO CIRCULAR NO. 57/2017 Dated 25.08.2017 and RMD
HO Circular No. 48/2016 Dated 05.10.2016 both you will be finding under - Closed Divisions- Retail
Banking Division (Resources), wherein it has been clearly mentioned that
Reply as on : 15.07.2025, Reference : RBD-RESOURCES HO CIRCULAR NO. 57/2017 Dated
25.08.2017

Topic: Strategy and Analytics - Budget, Planning and Economics

Product: Bank balance sheet

1. where we will get latest Bank balance sheet

Latest figures as on 30.09.2024 are available on home page of knowledge centre . I will also share the
result of PNB as on 30.09.2024 on your whatsapp number, in PPT form also
Reply as on : 01.01.2025, Reference : Please refer Bank's figures as on 30 Sep 2024

Product: bank tan number

1. bank tan number

For form 16 as per talk with staff member the TAN NO is DELP26003F
Reply as on : 24.09.2024, Reference : For form 16 as per talk with staff member the TAN NO is
DELP26003F

Product: Categorization of Branches

1. Sir,Please share the circular number mentioning category (MetroUrbanSemi UrbanRural) of

branches. Also please let us know the branch category of BORAJPURA Road (240600).
Refer SMEAD CIRCULAR NO. 202024 dt 30.04.2024
Reply as on : 20.09.2024, Reference : Refer SMEAD CIRCULAR NO. 202024 dt 30.04.2024

Product: Report in Financle

1. Please guide us if there is any tool or a report available in Finacle for total income earned and
charges paid by the account holder (Current saving)
Kindly check HCUSUM report for the same
Reply as on : 23.09.2024, Reference : Kindly check HCUSUM report for the same

Product: SMEAD

1. Respected Sir,Please provide Circular for DRIVE FOR ACHIEVEMENT OF TARGET FOR FY
2024-25 MD CEO, ED AND ZM CLUB SCHEMERegardsSUMANPALBM DHARAMPURA79736
1159581465 02579
 There is not such a circular for MD CEO , ED and ZM club membership circular for FY 2024-25. Last
circulated via SMEAD CIRCULAR No. 292024 dated 20-07-2024
Reply as on : 15.05.2025
2. Please let us know the circular regarding maintaining of Cash within retention limit by
Branches.
Circles to allocate cash holding and cash ratio budget to each branch in their jurisdiction based on the
potential of each branch, if not already allocated, keeping in view the infrastructure available, cash
inflowoutflow of the [Link] refer to ope
Reply as on : 28.04.2025, Reference : NA

Product: Transfer price mechanism

1. What is transfer price mechanism, and how it determines profitability of branches

Primary objective of the transfer pricing mechanism is to provide a market linked cost for each asset
and liability by offering market based rates to business units as the assets and liabilities profile of the
banks is becoming more complex with differing
Reply as on : 11.03.2025

Topic: Strategy and Analytics - Finance and Accounts

Product: BILL PAYMENT OF PREVIOUS YEAR

1. Sir can we make payment of bill of previous financial year Can we select input tax credit yes in
extm in this case
We have to make payment of GST bills within 180 days from date of the invoice. However, in case of
non-payment within 180 days, the ITC claim will be reversed per Rule 37 of GST. Therefore ITC can
be availed only if the bill was raised within last 180 day
Reply as on : 21.04.2025

Product: Business Correspondent

1. Can we issue ATM card to BC settlement account holder for account opened under CABCA
code.
Refer PSFID FINANCIAL INCLUSION CIRCULAR NO. 07 2019 Reg Guidelines for BCA Settlement
account Scheme Code CABCA
Reply as on : 01.11.2024, Reference : FI 07/2019

Product: CASH HANDLING CHARGES

1. Revised cash handling charges

Please refer to BARM DIVISION (DEPOSIT MARKETING) CIRCULAR NO. 07 of 2024 Modification in
Non-CreditRelated Service Charges (General Banking) pg no.7 Cash Handling
Reply as on : 05.05.2025, Reference : BARM 07/2024

Product: Cheque Book

1. Can we issue a cheque book in either or survivor account if first holder is illiterate and
secondholder can sign
An Illiterate person may also open joint account with another Literate person who is closely related to
him which can be operated jointly or severally. Cheque book can be issued to Literate Person in such
 accounts where operation mandate is as Either or S
Reply as on : 24.01.2025, Reference : IAD 21/2018

Product: Current Account Charges

1. Explain about folio charges in current account.

Refer Page 48 of 95 IRMD LA Cir. No. 2072021 Consolidated Circular Service Charges
Reply as on : 03.07.2024, Reference : IRMD 207/2021

Product: FD CLOSURE

1. Can we close the FD of a customer if heshe is out of country or cannot visit branch and sends
an application on banks mail id giving consent for closing the FDAnd also if heshe gives her
consent through video call
Yes, we can close such FD if the request has been recieved through registered email id and the video
call is being done through registered mobile number.
Reply as on : 05.05.2025

Product: GST

1. clarify whether GST is to be deducted while giving payout to Sales Executive and Car dealer
with circular reference. Will reverse charge be kept as Yes in either case
Payout is a kind of incentive for which no invoice is raised by the sales executive. only accounting of
TDS should be done. refer FINANCE DIVISION CIRCULAR NO. 15 2024
Reply as on : 11.09.2024, Reference : FINANCE DIVISION CIRCULAR NO. 15/2024

Product: IOA

1. Which BACID is to be debited by branch for payment paid to other banks as cash handling
charges levied by them for depositing cash in their Currency chests Please quote circular as
well. Remittance charges head 1141501 stands frozen for all branches by Division through
SPSD 9574556 AS PER GBD APPROVAL BY 5130648.
Refer Finance Division Cir 102023 format is available at page no 27 for unfreeze of respective head
Reply as on : 01.07.2024, Reference : Finance Division 10/2023

Product: KCC

1. Credit available (Customer Balance) in KCCKGS over and above of sanction limit, will be
treated as Saving Fund or Current Fund in Banks Book
Saving Fund. refer Agriculture Division Cir 852023
Reply as on : 01.09.2024

Product: LTI AND RTI

1. Should we take right hand thumb impression for male illeterate customers or Left hnad thumb
impression for self attestation purpose
LTI for male and RTI for female to used in case of illiterate
Reply as on : 04.07.2024

Product: OFFICE ACCOUNT

 1. What are guidelines of cancellation of Demand draft created from Office Account
Use DDC option to debit DD ac to cancel DD issued and the money to be returned back to the
originating account.
Reply as on : 18.03.2025

Product: Passbook

1. printing of passbook for intersol current accountloan accounts

Refer CCC [Link].082014 FACILITIES AVAILABLE IN INTERSOL BASE BRANCH ONLY
Reply as on : 01.09.2024
2. Customer visiting branch for pass book updation of his savings account having number of UPI
entries. while updating the pass book 10 passboks gets filled up but entries does not
[Link] are the bank guide lines regarding pass book printing issuing pass books to a
[Link] a customer demand as many number of pass books as he wish because there is
no strict guidelines on the subject
Refer LA cir 2072021 for ledger folio charge in saving account
Reply as on : 16.08.2024, Reference : IRMD 207/2021

Product: REVERSAL OF CHARGES

1. What is procedure for reversal of charges accrued in a account. Who is authority for allowing
reversal Waiver of Charges
Please refer LA circular no 4025,page no 153,point no 15.1
Reply as on : 21.04.2025, Reference : IRMD LA Cir 40/2025

Product: RTGS

1. Limit for RTGS in intersol cash credit account

Detailed guidelines on Inter-sol transactions were issued and circulated vide HO IAD circular no.
312018 dated 01.10.2018 wherein the limits for Inter-sol cash payments were defined
Reply as on : 26.01.2025, Reference : IAD circular no. 31/2018

Product: Saving Account

1. pensioner retired from Indian Ordnance Factories worked as Office supritendant getting
pension through NEFT from SPARSH get benefit of PNB RAKSHAK schemeWhat Customer
Type option is to be selected in CRMBASIC
Refer BA RM DIVISION SAVING DEPOSIT, DEBIT CARD, NRI BUSINESS OTHER LIABILITIES
BUSINESS CIRCULAR No.04 2024
Reply as on : 30.09.2024, Reference : BARM 04/2024

Product: SAVINGS ACCOUNT UNFREEZING

1. what is circuler for savings account unfreezing for code 30 and 40 with reason cyber etc
To facilitate freezing identification of accounts where Letter of Thanks has been returned undelivered,
new freeze reason code 040 - Letter of Thanks returned undelivered has been introduced in CBS. To
unfreeze such accounts, Branch official to make perso
Reply as on : 24.03.2025, Reference : OPERATIONS DIVISION (CASA BACK OFFICE) 2/2023
Product: Service Charges

1. After how many cash transactions through BC point and branch, the FIK charges will be
applied on SBBDA and SBGEN accountsIn some accounts from the very first cash transaction
of the month, the charges was levied.
Refer FI DIVISION CIRCULAR NO.152024
Reply as on : 06.01.2025, Reference : Finance Division 15/2024

Product: SERVICE CHARGES WAIVER

1. we have an account of other PSU i.e union bank for the purpose of cash remittance (as this
bank is linked with our currency chest for cash remittance as per RBI direction).in the said
account cash handling charges for cash withdrawal is beign deducted now bank is requesting
us for waiver of such charges . Is there any gudileline for waiver of such charges kinldy guide
us in this matter with circular reference
This bank account of union bank in your branch is used for remittance between PNB and union bank
and is not a typical business current account. Your CH has power to relax these service charges.
Please refer RBD(resources) circular 29 of 2020 dated 15.04.2
Reply as on : 29.03.2025, Reference : RBD (RESOURCES) 29/2020

Product: Statement Charges

1. Can we take charges for customers who take statement

Issuance of new passbook shall be free of cost. For CACCOD One statement of account per month
free. Refer Page 48 of 95IRMD LA Cir. No. 2072021 Consolidated Circular Service Charges
Reply as on : 03.09.2024, Reference : IRMD 207/2021

Product: SUSPENSE/ SUNDRY

1. if any entry lies in sundrysuspense account more than 90 days, provide the SOP for reversal
from sundrysuspense account
Adjustment of any entry (suspense or sundry) older than 90 days shall require prior permission from
therespective permitting [Link] SOP refer finance division circular 14 of [Link] have to
seek permission from Circle Office. For example, say w
Reply as on : 17.03.2025, Reference : Finance Division 14/2024

Product: Tax

1. we have wrongly debited TDS while creating EXTM for provisioning. TDSMARK is run and TDS
is remitted to Circle office and pending at co. Can we refund the wrongly deducted TDS from
CO.
Yes, before remitting to HO it can be refunded.
Reply as on : 03.07.2024

Product: TAX

1. For What payment TAN No DELP09293E is used

The primary purpose of the tax deduction and collection account number, commonly known as TAN, is
related to deduction or collection of tax at source. Under section 203A of the income tax act, obtaining
TAN is compulsory for individuals or businesses mand
 Reply as on : 02.07.2024

Product: TDS

1. customer has Fix deposit at branch and submit for 15 h for rs. 3.0 lak on 10.04.2024 and after
01.06.2024 has done fdr of Rs 2000000.00 more can system will deduct the TDS as amount
increases in the system where as customer has not deposited revised form 15 h after further
deposit of rs.2000000.00
15 H is accepted at the begining of the financial year, later TDS will be deducted by the system. which
customer can claim in their ITR filing.
Reply as on : 07.03.2025
2. a pensioner is having non taxable pension but his interest income(fdr) and pension is more
than taxable limit , how to deduct tds customer is asking bank to deduct tds as [Link]
now system is deducting tds only on fdr amount but not on pension amount.
Please take Form No. 12BAA. Refer FINANCE DIVISION CIRCULAR NO. HO FD 33 2024
Reply as on : 06.01.2025, Reference : Finance Division 33/2024

Product: TDS Parking

1. Kindly guide us head of income where tds is gettingparked since we are getting
3171108B of your sol
Reply as on : 16.08.2024

Product: TDS REPORT

1. Tds related report for a particular customer

In CBS please use menu option TDSRPT 1/1H
Reply as on : 05.05.2025

Product: Term Deposit

1. Spouse of our ex staff drawing family pension, Is shehe is entitled for 1 extra ROI on Term
deposit.
Yes, please refer RBD(R) CIRCULAR No. 152020
Reply as on : 16.12.2024, Reference : RBD(R)15/2020

Product: Threshold Limit

1. KINDLY REFER THE CIRCULAR ON THRESHHOLD LIMIT.

Guidelines on threshold limits have been circulated through Operations Division (KYC section) Circular
No. 052021 dated 17.03.2021. However, the same has been followed up with several circulars under
Operations Division viz Circular Number 15 of 2021, 2
Reply as on : 05.05.2025, Reference : Operations Division (KYC section) Circular No. 05/2021
2. What documents are acceptable or can be accepted in support of annual turnover or expected
annual turnover in current accounts
Balance sheet or CA Certificate. refer TMD CIRCULAR NO. 42 2024
Reply as on : 01.09.2024, Reference : Balance sheet or CA Certificate. refer TMD CIRCULAR NO. 42
2024
Topic: Treasury and Forex
Product: Bhutan

1. "how we can send money to BHutan national bank through CBS for corporate account."
"We may transfer the amount to Pool account of Druk Bank Bhutan maintained at our Rajendra place
branch AC No 1522002100031742 with appropirate naration. For futher clarification please contact
ISBDelhi of BO Rajendra Place Delhi"
Reply as on : 18.10.2025

Product: CARD

1. What is the process and documents required for claim settlement of World Travel Card.
Full SOP for the same is mentioned in IBD Foreign exchange 36 by 2024. Kindly go through the same
Reply as on : 18.10.2025

Product: Edu Loan

1. "While doing an education loan in Udaan Please tell at what rate we should convert fees from
Euro to rupees as our loan amount is dependent on total fees. 85 of total fees is being
financed. Should the rate be taken as todays rate or on notional rate as per IBD circular."
"For all these purposes , work should be executed on notional rate"
Reply as on : 18.10.2025

Product: Export

1. "With Reference to LA Cir 1822022 in PC accounts party need to submit Stock statements in
Ordered based PC [Link] whether PC to be released as per DP or notFurther it was written
Stock statement submission is formonitoring of the utilization of funds incase of all PC limits
i.e. bill to bill basis aswell as running PC limit"
"As well as LA 18222, please refer to LA 4420 LA 15822, PC is released on the basis of purchase
order, sales contract rather than [Link] only use the stock statement in order to verify the end use of
the funds and not for releasing DPs, like we did in th
Reply as on : 18.10.2025
2. "Sir,Whether any minimum collateral security requirement is prescribed as per bank guidelines
for sanction of Bill Purchase(FOBPFOBNLCFOUBPFOUBNLC) Limit of amount Rs 1.80 crore to
MSME UnitKindly clarify."
"Please note that there is no separate guidelines regarding above. The credit decision may be taken
by sanctioning authority as per General guidelines"
Reply as on : 18.10.2025
3. "which is the relevant circular for foreign bill discounting backed by LC."
"All foreign Bill Purchase fall under Post shipment credit and relevant guidelines should be applicable."
Reply as on : 18.10.2025
4. "Dear sir,A Cash Credit Limit of Rs.35.00 lakh sanctioned to a borrower (Exporter). Borrower
has also required Packing credit Facility and wants to enter change the scheme as CC to
Packing Credit after Drawing Power zero or Vise Versa. Please guide us have any scheme to
change such type."
"Kindly refer to IRMD LA 442023 and refer to section INTERCHANGE OF LIMITS"
 Reply as on : 18.10.2025
5. "CAN EEFC ACCOUNT BE OPENED IN ANY BRANCH"
"It will be open in AD Branch Only"
Reply as on : 18.10.2025
6. "We have received loan application from a customer for CC limit having 100 export sales.
Kindly guide whether only CC limit can be given to customer having 100 export sales or only
packing credit is to be given in this case or both CC limit and packing credit can be given."
"Kindly refer to IRMD LA 1582022 where it is mentioned as under Pre-shipment Packing Credit means
any loan or advance granted or any other credit provided by a bank to an exporter for financing the
purchase, processing, manufacturing or packing of good
Reply as on : 18.10.2025
7. "We are holding a MSME proposal in which the proprietor is overseas citizen of India card
holder .Lady belongs to Philippines and later she married to Indian citizen .Now she is the OCI
card [Link] guide us whether we can finance to OCI card holder"
"Kindly refer to IBD Foreign Exchange 672020 where it is mentioned that OCI card holder shall be
counted under PIO under some conditions . whatever we can finance to PIO , we can finance same to
oci card holder too according to that circular"
Reply as on : 18.10.2025

Product: EXPORT

1. How to give or calculate drawing power in packing credit account Please guide accordingly.
Kindly refer to IRMD LA 44 BY 2020 , Page no 21 , Point No 26 titled as Calculation of DP for Export
Credi
Reply as on : 18.10.2025
2. In terms of IRMD LA 1682024, page no 8, RUPEE EXPORT CREDIT ADVANCES under Note, it
has been stated that Exporters eligible under the Gold Card Scheme shall enjoy concession @
0.25 in the above prescribed ratesHowever, if we seek seperate concession from competent
authority, than above mentioned concession of 0.25 will be provided additional to the approved
concession or it will be part of approved [Link] clerify.
As per our opinion, this 0.25 concession is inbuilt. IF some additional concession is sought then it
should be taken after netting if this 0.25 percent and this should also be part of the note.
Reply as on : 18.10.2025
3. As per IBD fex. cir. 432024, For write-off cases, Limit in relation to is mentioned as Total export
proceeds realized during the calendar year preceding the year in which the write-off is being
done. Kindly clarify this with an example considering the Shipping bill dated 25.04.2015, and
customer has came with write-off request on 30.01.2025. Whether we will consider export
proceeds forthe Calendar year 01.01.2014-31.12.2015 or 01.01.2024-31.12.2024 for considering
the write-off limit tage
In that coloumn it is clearly mentioned as underTotal export proceeds realized during the calendar
year preceding the year in which the write-off is being doneFor that matter the period should be taken
as 01.01.2024-31.12.2024
Reply as on : 18.10.2025

Product: Export
 1. We had sanctioned running packing credit limits to our party on 28072023 under MCCCAC
power. The Previous CRR of the borrower was A4. Now the CRR of the borrower has been
downgraded to B2. Please inform if the running packing credit limit can be continued in the
renewal also.
Pre-shipment Credit Running Account facility would be available to the exporters, only if they are
complying with the terms and conditions laid down in letter and spirit. In present case borrower is not
fulfilling the eligibility criteria i.e. credit risk
Reply as on : 18.10.2025

Product: EXPORT

1. In the ongoing export express scheme, whether for bill discounting limit backed by IBD
approved foreign bank LC, any collateral shall be required.
That approval clause is about that whenever bill discounting shall take place it shall be happening for
the approved banks. collateral is part of sanction and that is to be looked into seperately
Reply as on : 18.10.2025
2. We have an export customer to whom we have provided Packing Credit. A new account is
opened for each order. Now, if no payment is expected for the order linked to that account, can
they close the account by transferring the amount to their CC Account
Amount related to packing credit can never be disbursed in cash credit account .
Reply as on : 18.10.2025
3. If we have marked DOE on EDPMS, what is the process to unmark DOE
First of all , kindly untick it and then you have to send it to DOE for the same
Reply as on : 18.10.2025
4. One of our client has availed post shipment facility. As per sanction terms, the tenor of facility
is 120 days. Account is sanctioned by CH CAC. Now One of the bill is overdue for more than
120 days. The borrower has requested for extension of validity up to 150 days. Which Authority
has power to extend over due post shipment bills beyond due dat. Which Circular to refer
Please refer to LA 1582022 and FEX 062025. As per our telephone discussion, please allow an
extension of the due date if the customer submits within 15 days from the due date and inform ECGC
as per policy.
Reply as on : 18.10.2025
5. Respected sirmadam,Kindly mention the operative circular for INTEREST RATE ON
ADVANCES DISCOUNTING OF BILLS BACKED BY CONFIRMED ILCswith regards,Smruthi
MPLP, RAM ERNAKULAM
Kindly refer to page no 14 of IRMD LA 168 BY 2024 for the same under the heading DISCOUNTING
OF BILLS BACKED BY CONFIRMED ILCs
Reply as on : 18.10.2025

Product: Export

1. Sir,Please guide us regarding recalling of Interest Equalization in PC account which get turned
NPA in April [Link] which date we need to recall the subvention and what is the process
for the same.
Please refer to IRMD LA 1582022, Page no 6 where it is mentioned as underThe packing credit pre-
shipment credit granted to an exporter must be liquidated out of proceeds of bill drawn for the exported
 commodities on its purchase, discount etc. thereby co
Reply as on : 18.10.2025
2. "In LA Circular 442020 advance against stock LA 452020 advance against book debts , for
packing credit drawing power was based upon order and simply disbursed with margin
requirements and no stock statement is insisted . however in LA 1822022 which superseded
452020 stock statement is required in both cases of packing credit i.e. against order and
running packing credit . Moreover LA 442020 is also valid which state otherwise . Kindly clarify
which circular to follow."
"It is important to note that a stock statement is used to monitor the end use of funds in Packing Credit
Advance. However, it should be noted that DP is not calculated for Packing Credit Advance based on
the stock statement."
Reply as on : 18.10.2025

Product: GENERAL

1. Pnb me clerk home loan kitna milta hai

The HL limit for clerks is Rs 75.00 lakh. For more information, please refer to HRDD 9342024.
Reply as on : 18.10.2025
2. Sir jese hme Rd per kitna intt hai ye konse circular me milega jese hm fd ka dekhte hai pls
guide sir mujhe Rd pr intt rate ka circular dekhna hai pls help sir
RD FD ROI
Reply as on : 18.10.2025

Product: Import

1. Specifically, I am writing to ask if UCP 600 allows amendment of an Irrevocable LC to an

Irrevocable Transferable [Link] quick guidance would be greatly appreciable in this matter.
Article 10(c) talks about the notification of acceptance of the amendment(s). The default position is
that the beneficiary should either communicate their acceptance or rejection of an amendment by
express notification or by the presentation of documents
Reply as on : 18.10.2025
2. "Upto how many days we can give period of presentation while opening the FLC. one of our
customer requesting to provide 30 days for the period of presentation in LC. WHETHER WE
CAN ALLOW 30 DAYS FOR THE PRESENTATION IF SO KINDLY INFORM THE POWER TO
ALLOW 30 DAYS FOR THE SAME."
"Please refer to Article 14 of UCP 600, which states A presentation including one or more original
transport documents subject to articles 19, 20, 21, 22, 23, 24 or 25 must be made by or on behalf of
the beneficiary not later than 21 calendar days after t
Reply as on : 18.10.2025
3. "What is the meaning of Confirm with or without in clause 49 while opening [Link] bill
discounting can be done for ILC having 49 clause(Confirm)as without."
"That field is related to reimbursement in LC transaction . You have raised your query for clarification
on opening of lc in field 49 that means you are handling your importer or buyer customer . In the next
part of your query you have raised bill discoun
Reply as on : 18.10.2025
4. "What is the SOP to transfer an EXPORT LC to second party as per LC terms customer wants
 to transfer the LC which was on his name, to 3 different parties as per LC terms,any circular or
manual available in this regard please guide"
"There is no such SOP is observed by us. You may refer the basic guidelines regarding transfer of LC
to second beneficiary from LA 922023"
Reply as on : 18.10.2025
5. "Whether letter of comfort for trade credit can be issued to our existing cash credit account
holder for inland purchase of goods on credit"
"Trade credit is applicable only to Person resident in India acting as an importer. Further knowledge,
please refer FEX 322023"
Reply as on : 18.10.2025
6. "I need to know the list of foreign banks we can issue LC in favour of them"
"Please refer IBD Agency Arrangement with Foreign Banks Circular No.032023 for above query"
Reply as on : 18.10.2025
7. "Documents required to clear free of cost bill of entry in IDPMS. please provide circular no if
any"
"Bill of Entry having zero value and Invoice, packing list and other related document as required in
other Import bill of Similar nature"
Reply as on : 18.10.2025

Product: Import and Outward Remittance

1. a1 a2 forms and circular

Kindly refer to IBD Foreign Exchange Policy Circular 432024 for the same
Reply as on : 18.10.2025

Product: LC

1. How to get report of outstanding LC and BG in EDW and CBS

You can generate report through menu DCQRY for LC and OGM for [Link] is also a report
available in EDW under report code MISD-028 for outstanding of BG and [Link] can also see the
outstanding balance through menu option HPARTINQ under account no 3231101
Reply as on : 18.10.2025
2. Is it mandatory to obtain Bill of Exchange in Deferred Letter of Credit
Bill Of exchange is made by the exporter. and when the export is being done , bill of exchange is
made by the seller. when bill of exchange is accompanied with the documents and it is coming to
importer or bank of the importer then it will be paid .
Reply as on : 18.10.2025

Product: LOANING POWER

1. In whose power discounting of bill is done if the loan has not been sanctioned at MCCCAC or
CHCAC
Kindly elaborate in whose power loan has been sanctioned so that we can reply accordingly
Reply as on : 18.10.2025

Product: LRS
 1. "How much amount of foreign currency i.e AED can a traveller carry from India to UAE in
cash."
"Please refer IBD FEX 512020, if he is visiting for HajUmrah pilgrimage- full amount of entitlement in
cash or up to the cash limit as specified by the Haj Committee of India, may bereleased otherwise
USD 3000 or equivalent"
Reply as on : 18.10.2025

Product: NFB

1. "PLEASE PROVIDE THE REASON WHY A TRANSPORT DOCUMENT BEARING A DATE OF

ISSUANCE PRIOR TO THAT OF THE CREDIT IS NOT ACCEPTABLE UNDER LETTER OF
CREDIT."
"If the letter of credit is allowing it specifically , then it is allowed"
Reply as on : 18.10.2025

Product: NRI

1. "When we transfer the amount in NRE account from the froeign country TDS can be deducted
Please help"
"Normal charges prescribed by the bank are recovered and not the tds."
Reply as on : 18.10.2025
2. "can two NRI / OCI persons open NRO account with mode of operation ES ."
"Yes he may open with ES please refer IBD FEX 672020"
Reply as on : 18.10.2025
3. "can we change nre account scheme to nro account."
"No WE cannot change NRE account to NRO account, for furhter information please refer IBD FEX
672020"
Reply as on : 18.10.2025
4. "One customer want to use his international debit card at Malaysiya, Hence He want to know
regarding transaction charges."
"Please refer International Transactional Charges (If said facility opted in Debit Card) available at LA
207-21 Consolidated service charges"
Reply as on : 18.10.2025
5. "customer has opened FCNR-USD deposit for 3 years @ 2 pa roi. at that time 2 year FCNR rate
was 1.50 [Link] 2 years, customer approached us for premature withdrawal of the said
deposit. What will be penal interest and at what net rate customer get interest."
"Please refer IBD FEX 672020 at page no 21 of 65 under heading Deposit under FCNR and act
accordingly"
Reply as on : 18.10.2025
6. "Who can open Dollar account GBB Branch or Authorised Dealer Branch"
"It will be open by Authorised Branch only, However for FCNR (B) account some other branches also
authorised by HO IBD. For futher details plealse refer IBD, FOREIGN EXCHANGE CIRCULAR
NO.602022 BRANCHES AUTHORIZED FOR ACCEPTING FCNR (B), RFC RFC (D) DEP
Reply as on : 18.10.2025
7. "Can we offer sweep facility in NRE or NRO account. Kindly guide us with circular for NRE
sweep facility"
 "Please note that Sweep facility is not allowed in NRE account for further reference please refer IBD
FEX 672020"
Reply as on : 18.10.2025
8. "A customer having a sb account was passed away . In her account nominee is available but
the nominee is the citizen of USA and has no any account in [Link] the nominee wants to
remit the funds to Usa. Is there a need to submit 15CA CB Please clearify."
"Please refer FEx 412023, the above payment subject to payment of taxes as prescribed by Central
Board ofDirect Taxes from time to time"
Reply as on : 18.10.2025
9. "Sir, one of our NRI customer have an Indian FDR since 2003 in our branch. He does not have
Indian saving account NRO account with us. Now he want to Encash the same. Kindly guide
the procedure for the same."
"Since the customer has not maintained any operating account with us, so its a opportunity to market
NRE NRO account. However if customer is insisting for withdrawal of FDR amount then the same may
be transfered to his operating account in any country wi
Reply as on : 18.10.2025
10. "Sir, where to find Tax slab on interest in case of NRO account NRO Fd. Also guide about
reading material about the same. Regards"
"Please refer CIRCULAR NO. HO FD 25 2023 at point no 15,16,17,18 and other relevent point"
Reply as on : 18.10.2025
11. "Sir, what is the maximum limit of foreign money that can be deposited in NRE NRO per visit
in india."
"Please refer FEX 412023 regarding above. However please note that there is no restriction
regarding amount of foreign currency can be depsoited in NRE NRO account by NRI during his visit
in India, but if cash amount is exceeded USD 5000 then it should b
Reply as on : 18.10.2025
12. "To which scheme code we can convert SBGEN account (SBNRO or SBNRE) after customer
has been NRI and is PR of other country."
"Kindly refer to IBD Foreign Exchange Circular 672020 where it is mentioned that it should be
converted to NRO account"
Reply as on : 18.10.2025
13. "Is additional ROI of 0.50 as applicable to senior citizens is also applicable for NRE deposit
(FDR) "
"NO . kINDLY REFER to IBD FOREX 672020 for the same"
Reply as on : 18.10.2025
14. "Sir Madam,System is not allowing additional interest to Our Ex-staff(also Senior Citizen)
when we go to open NRO fixed [Link] Foreign Exchange circular 672020 clarifies not to
give additional ROI in NRE but is silent about [Link] clarify quoting circular
[Link] you"
"Please refer Master Circular on Interest Rates on Rupee Deposits held in Domestic, Ordinary Non-
Resident (NRO) and Non-Resident (External) (NRE) Accounts which says 4.1.11 Prohibition on
payment of additional interest on deposits of Senior Citizen-Banks
Reply as on : 18.10.2025
15. "can we transfer fund from own NRO account to OWN NRE account in our bank (both account
 maintaining at ours), if yes, plz guide regarding maximum amount cap procedure the same."
"Please refer IBD FEX 672020, we may transfer within remittance limit allowed to NRI ie cap of 1
Million Doller."
Reply as on : 18.10.2025
16. "Can NRI customer transfer fund to resident individual by cheque What is the limit"
"The amount is coming into india. As such there is no limit. "
Reply as on : 18.10.2025
17. "Respected SirMadam ,i want to know in which mode can we open SBNRE accountcan we
open through MENU HOAACSB can we open through TAB BANKING can we open through
DMS "
"At present NRE NRO account will be open through HOAACSB menuIf this menu is not enable in
your branch then contact your Circle office for above query"
Reply as on : 18.10.2025
18. "Dear Sir In Our Branch One NRO Account Holder deceased, in his account pension is
credited Now Nominee Claim the Amount ,Nominee has no bank account in India ,has no
income in india is a US Citizen, A person of india origin holding a previous Indian Passport
currently not a citizen of India also does not have an OCI she wants that the fund directly sent
to her Bank account In [Link] guide or Advice us what is the procedure to settel this
claim Checklist of doc taken from Nominee."
"Widow resident outside India and has inherited assets of her deceased husband who was an Indian
citizen resident in India, may remit an amount, not exceeding USD one million per financial year out
of the balances in the account, on production of document
Reply as on : 18.10.2025
19. "Dear SirMadam,In Which cases 15 CACB taken .please guide .Thanks Regards"
"please refer CIRCULAR NO. FD 10 2016 REMITTANCES TO NON RESIDENTS OBTAINING OF
UNDERTAKING (FORM 15CA) AND CERTFICATE OF CHARTERED ACCOUNTANT (FORM
15CB) for your query. Please note that Guidelines regarding 15 CA CB is published by Central Board
of
Reply as on : 18.10.2025
20. "CAN WE ABLE TO OPEN PIO MINOR ACCOUNT"
"If PIO refer to Person of Indian Origin then yes we may open the account, for further information
please refer IBD FEX 672020 and related circular"
Reply as on : 18.10.2025
21. "Can we transfer funds from relatives savings account to NRE account of customer if
Customers insist for the it..and customer dont have NRO account."
"We may transfer the above fund from Resident saving account to NRE account of customer
however the above transaction will report and LRS transaction and all the related formalities should
be done prior to transfereing the above amount. For details please
Reply as on : 18.10.2025
22. "Can a NRE open a saving account who has adhar card and pan card"
"NRI can only open NRE or NRO of FCNR account . NRI is not eligible to open domestic account .
He may be having PAN and Aadhar card but for opening NRE or NRO account his foreign KYC is to
be checked . For details kindly refer to IBD Foreign Exchange 67
Reply as on : 18.10.2025
 23. can NRI submit form 15G
No this facility is not available for NRI
Reply as on : 18.10.2025
24. "One of our NRI customer has sold his agri land In India, amt 1.83 cr sale proceeds he has
received in his NRO account, now customer wants to transfer this money to his NRE account.
What is the procedure and documents [Link] has already submitted 15CA15CB and copy
of registry."
"Kindly refer to IBD FOREX 672020 where it is mentioned as under Transfer in NRE account from
NRO accounts within the overall ceiling applicable for repatriation of funds from NRO accounts, as
per extant RBI guidelines.(presently the limit is USD 1 mio
Reply as on : 18.10.2025
25. "while opening new savings account where First holder is a resident Indian( husband) but
joint holder is NRI(wife), Then Savings Account is to be opened under resident Saving or NRO
Scheme "
"To ensure compliance with regulations, kindly note that if the account holder is a resident and the
credited amount is from income generated by a resident holder, it is recommended to open the
account under the resident saving scheme. For additional clar
Reply as on : 18.10.2025
26. "can nre account be converted in nro"
"No , it can not be ..Kindly refer to consolidated circular IBD FOREX 672020"
Reply as on : 18.10.2025

Product: NRI Deposit

1. w.r.t. IBD FEX 67-2020 at page no 28 of 65 under the head F. FCNR (B) DEPOSIT AGINST
FOREIGN CURRENCY NOTES, which states that charges for procuring FCNR should be
debited to the banks revenue but no account number is [Link] guide us the account
number because in SPSD (for account number 1151001) every time approval from ISB is being
asked for.
As such there is no mention of any account number in the circular . In that case kindly take up the
matter with owner division through your administrative office for any binding clarification.
Reply as on : 18.10.2025
2. How to open NRE account which documents required.
Kindly refer to IBD Foreign Exchange 672020 for the same.
Reply as on : 18.10.2025
3. Please guide the entire process flow for disbursement of [Link] will disburse for the first
time. Please also mention relevant circulars.
Kindly refer to IRMD LA 1582022 for the same . As this circular is consolidated on guidelines and clear
precautions are also mentioned in the circular.
Reply as on : 18.10.2025
4. can loan against FCNR B allowed in INR
Yes, advances against FCNR(B) Fixed Deposits can be disbursed in INR but are non-repatriable. For
further details, please refer to LA 392021 and IBD FEX 672020.
Reply as on : 18.10.2025
5. WHATS IS THE SCHEME CODE FOR NRE OD AGAINST FD
 There is no specific scheme code observed by me in the system. Please note that advances against
NRE FD are only disbursed in INR and are non-repatriable. For further details, please refer to LA
392021.
Reply as on : 18.10.2025
6. can we add indian mobile number in nro accounts kindly guide us
PNB One can be given in NRO accounts and for that indian mobile number is to be fed in the system.
So it can be fed in the system
Reply as on : 18.10.2025
7. kindly update the guidelines for opening and operation of NRO and NRE accounts.
Kindly refer to IBD Foreign Exchange 67 by 2020 for the same
Reply as on : 18.10.2025

Product: NRO

1. Is it possible to use PNB One in NRO Accountskindly provide circular regarding online
transactions in NRO accounts
We can use PNB ONE in NRO accounts. Kindly refer DBTD Cir No 172024 and 802023 for detail.
Reply as on : 18.10.2025

Product: ORM

1. whether bank charges for outward remittance from NRO account should be levied, if the NRO
account holder is our staffEx-staff member.
please refer LA 2072021, which says, Forex transactions on account of staff members retired staff
members for personal purpose only may be allowed free of [Link] if the transaction is of
personal use then this will be free of bank charge
Reply as on : 18.10.2025

Product: SBLC

1. WE HAVE RECEIVED ONE QUERY FROM THE BRANCH TO ISSUE ONE FOREIGN BANK
GUARNATEE (FLG) WITH TRANSFERRABLE CLAUSE IN IT. AS PER ARTICLE NO. 33 OF URDG
758 GUIDELINES, TRANSFERRABLE FOREIGN BANK GUARANTEE MAY BE OPENED BUT WE
ARE UNABLE TO FIND OUT INTERNAL GUIDELINES CIRCULAR FOR THE SAME. YOU ARE
REQUESTED TO PLEASE GUIDE US IN THE MATTER.
As such there is no consolidated circular on FLG and circulars which are available are pertaining to
issuance of counter guarantee. In this regard kindly seek opinion from owner division for any binding
clarification.
Reply as on : 18.10.2025
2. Attention is sought towards IRMD LA Cir. No. 122 2024, 6.16 BANK GUARANTEE WITH
AUTOMATIC RENEWAL CLAUSE wherein it is mentioned that the beneficiary of such type of
BG will be Government departments only. Can the definition of government departments be
equivocated to Foreign government as well while being requested to issue a Foreign Letter of
Guarantee to a Foreign Government
As per our opinion, it is for the Indian government departments. However, for further clarification kindly
contact to the owner division through your administrative office for binding clarity.
Reply as on : 18.10.2025
Product: Service Charge

1. "whats are the charges applicable under OUTWARD REMITTENCE"

"please refer IRMD LA Circular No. 2072021 dated 31-12-2021 inter alia advising consolidated Forex
Service Charges under Section D"
Reply as on : 18.10.2025

Product: Swift

1. "Procedure or sop for wire transfer "

"Kindly refer to policy circular IBD Foreign Exchange 412023 and refer to outward remittance"
Reply as on : 18.10.2025

Product: Treasury

1. "we have to make 3 Fixed Deposits of Rs 1.00 Crore each in the name of Super Senior citizen.
Please guide whether to take permission from Treasury. and what rate will get in all three fixed
deposits."
"For the above case there is no need to refer to Treasury however for further guidelines please refer
IRMDALM Deposit Cir. No. 152023 dated 31.08.2023 and RBD (R) [Link].1520 dated 30.03.2020,"
Reply as on : 18.10.2025