Professional Documents
Culture Documents
INDEX
Sr. No Title Page number
1 PNB Kitty ,Mobile Wallet 2
2 Unified Payment Interface (UPI) 6
3 Debit Cards 10
4 Prepaid Cards ( Uphaar Card & Suvidha Cards) 26
5 Internet Banking Services 31
6 SMS Alerts Services 37
7 PNB Mobile banking Services 43
8 Customer Relationship Management (CRM) 51
9 Real Time Gross Settlement (RTGS) 60
10 National Electronic Fund Transfer (NEFT) 63
11 National Automated Clearing House 67
12 CTS 73
13 ASBA (Branches) Centralized , ASBA Online & ASBA - Syndicate 89
14 Credit cards 102
15 World Travel card 132
16 Money Transfer Service Scheme (MTSS) 136
17 CMS(Cash Management Services) 141
18 e-KYC 147
19 Funds Collection Module 148
20 Business Continuity Plan 153
21 Information Security Policy 156
22 Cyber Crime 176
23 PNB YUVA 185
24 Tab Banking 189
25 PNB BIZ 193
26 EDW(Enterprise wide Data Warehouse) 206
27 DIGIDHAN CHAMPION 215
28 BHIM(Bharat Interface for Money (BHIM) 216
29 USSD 221
30 E-statement 227
31 PNB Genie 229
32 PNB Parivar 231
33 e- Insurance 232
34 PNB AADHAAR PAY 239
35 Whats New 240
36 Digi Help line 241
Once the customer gets registered for WALLET he can do following transactions without using
his sensitive credentials:
Any individual above the age of 10 years having a valid Mobile Number can avail the facilities of
PNB Kitty.
3. Registration process
Registration is completely an online process. User needs not be having account with PNB to
register for PNB Kitty. User is identified by his mobile number that is used as User ID to login
the application.
Application captures users mobile number in first step of registration to verify whether given
mobile number is registered with the Bank. If mobile number is not found, user will be registered
for limited services with upper limit for transactions @ Rs 20000/- per month.
If user is an existing PNB customer, he will be registered for full services with upper limit for
transactions of Rs 50000/- per month.
After downloading the App from App store, the user has to install the App and follow the
registration process as below:
After registration the user can login by keying his password. The password is alpha numeric
with minimum six characters.
There is Quick pay option for bill payment where User can pay the bill directly without
registering the biller in following easy steps:
PNB Kitty can be used to perform e-commerce transactions on a variety of merchant websites
choosing Wallet as an option for payment.
Funds can be transferred from any PNB Wallet to another PNB Wallet using Mobile Number of
the receiver. There is also an option of send money through QR code. While sending money
through QR code, user has to go to Send Money option. In this under Wallet to Wallet the icon
of QR code is provided. When we select that option we can scan the QR code of the beneficiary
and send money through QR code. The QR code for every Wallet is provided under the option
My Profile in the side bar.
Kitty users are issued a virtual debit card by default. This virtual card can be used for e-
Commerce transactions. Virtual card details are displayed to the user post OTP authentication.
For virtual card details refer General Services.
6. Upgrading PNB Kitty limit by submitting KYC documents: To upgrade PNB Kitty
from limit of Rs 20000/- per month to Rs 50000/- per month, User is required to submit
KYC documents at nearest branch and close the existing wallet. New wallet opened will
be by default upgraded one with limit of Rs. 50000/-.
7. General Services
- Upload Profile Picture: Photo upload feature is available in App by clicking on the
photo icon.
- My Profile: My profile screen displays Name, Mobile number, Wallet account number
in Bank& IFSC code. There is an option to update e-Mail ID. Monthly statement will be
sent to the mail ID registered with wallet application. Unique QR code for every wallet is
been displayed in this option.
- Payment Request: User can view his Request Received and Request Sent.
- Completed Transaction: User can view his transaction details for recharge /Payment
or Fund Transfer. By default last 5 transactions will be seen. Customer can also see
transactions in a date range provided by the customer.
- Mini Statement: Last 5 transactions will be visible under mini statement link. Debit &
Credit transactions are highlighted in Red & Green color respectively.
Detailed Statement: Detailed Account statement can be fetched giving transaction
period Form Date &To Date with the interval of one month. User can also fetch up to 99
transactions using multiple numbers of transaction options.
- Monthly Credit Limit: Customer can see the monthly credit limit applicable for their
Wallet.
- Set/Reset Virtual Card PIN: Wallet user needs to set PIN to use virtual debit card for
e-Commerce transactions. User can also reset his/her PIN any time in future.
8. Password Management
5 attempts are allowed for logging in PNB Kitty, after that the access will be denied. The
user can reset the password by clicking on Forgot Credentials provided on the login
page and select option Password. The user will get an OTP on the registered mobile
number. After putting the OTP in the next screen the customer has to answer two
security questions. After clicking on SUBMIT the user can reset the password.
User can close wallet account only if balance is zero. If balance is not zero, user has to
either spend money or send it to other accounts using IMPS.
Please Note: When the customer wants to change the registered mobile in the bank, he
has to first spend the balance amount in the wallet and close the wallet. Otherwise he
will not be able to change his mobile number in the branch.
Features of UPI
Manage your profile/ application password
Select your existing bank and link it to the mobile app.
Create virtual addresses for your bank accounts.
Set PIN for the added bank accounts to perform transactions.
Add participants to pay money to /or collect money from
Pay and collect money securely and easily
Approve, decline, or defer collection transactions from payees
View transactions for a period
Raise complaints and view their status
Dont have Debit Card? UPI still have something for you:
Create Virtual address for collecting money
How to download?
Set PIN
i. Click on Set PIN
ii. Select the Account, for which you wish to set PIN for performing transactions.
iii. An OTP would be delivered on registered mobile for authentication.
iv. Enter OTP
v. Set 6 digit numeric PIN
vi. Enter Last 6 digits of Debit Card and expiry date issued in that particular account.
Add Participants
i. Click on Add Participants
ii. You may view the list of participants already added.
iii. In case of new addition, click on + sign.
iv. Select Payment Address Type
v. You may add payee using 3 options
Virtual address;
Account number + IFSC
Aadhar number
vi. Choose the desired option
vii. Fill requisite details
viii. Click on Submit
Send Money
Collect Money
i. Click on Collect link.
ii. Select the account in which you want money to be collected
iii. Search the virtual address of the person from you want to collect money
iv. Put the transaction expiry date and time
v. Write some remarks if needed and Submit
vi. A confirmation screen will be displayed. Confirm it after verification
vii. Transaction will be in progress and a notification will be sent to the payer.
View Balance
i. Click on the link View Balance
ii. Select the account number
iii. Enter the PIN and the balance will be displayed
8 Maximum period for Time Bound Virtual Address (in days) 200 Days
Deregistration:
ATM Cards
PNB MITRA In all No Frills accounts opened under PNB MITRA scheme, Bank has launched a new
ATM Cards type of ATM card known as PNB MITRA ATM Card.
All PNB MITRA Account holders are eligible to receive PNB MITRA ATM Card on
pan India basis.
Entry and verification will be done through menu option DCARD using option M in
type of card.
Biometric ATM Makes it possible for illiterate or barely literate population to become part of the
Cards banking user community. Now, after the introduction of the Mitra ATM Cards, it
has been decided that henceforth, Biometric Cards in our Bank would be issued
in the form of Mitra Biometric ATM Cards as a non-personalized Card.
ELIGIBILITY CRITERIA
All existing customers and new customers maintaining a saving/individual
current account shall be eligible for the issuance of Biometric Card.
Card shall also be issued to Proprietorship firms, in the name of sole proprietor.
Card shall not be issued in dormant and inoperative accounts.
Card can be issued in illiterate accounts.
Card can be issued in joint accounts (Either or Survivor).
Debit Cards
Types of Debit 1. Non personalized cards (Cards without name and / or photo)
cards: 2. Personalized cards (Cards with name and / or photo)
Under both the above broad categories presently bank is issuing following types of
cards:
PREPAID CARDS
01. Suvidha cards
Of the above cards, except cards issued in PMJDY and other Government
schemes, all the other cards are EMV chip based cards. (Refer DBD Circular
14/2016 dated 12.02.2016)
Master Classic This is the general category card and can be issued either as a non personalized or
Debit Card: personalized card with name.
The cash withdrawal limit at ATMs is Rs 25000/- per day, with per
transaction limit of Rs 15000/- and POS/e-commerce transaction limit of
Rs 60000/-
Master Platinum The Platinum Card is a premium product and is designed for elite customers.
Debit Card: The following customers may be offered Platinum Cards:
Premium Customers of our Bank who are valuable to the Bank as
per discretion of Incumbent Incharge
All staff members (including retired employees) of our Bank.
This is a Personalized Card and may also be issued with photograph of the
customer.
The card will be valid for a period of seven years.
Can be used for cash withdrawal at ATMs up to Rs 50,000/- per day and
POS/E-commerce transactions up to Rs 1,25,000 per day.
PNB RuPay RuPay Classic debit card is a new card payment scheme launched by the
Classic Debit National Payments Corporation of India (NPCI) to fulfill RBIs vision to offer a
Cards domestic, open-loop, multilateral system which will allow all Indian banks and
financial institutions in India to participate in electronic payments.
SALIENT FEATURES:
This RuPay card will be magnetic strip card
This Rupay enabled debit card can be used only in India
This is a PIN based card i.e. PIN will be required both at ATM and PoS
terminals for operation of the card, which makes the card more secure.
Card can be used for cash withdrawals at ATMs & POS transactions
Cash withdrawal will be through all the RuPay enabled ATMs only
Card can be used at selected PoS terminals identified by NPCI
Card cannot be misused as PIN will be required at both ATM and PoS
terminals for operation of the card.
The RuPay Classic Card may be linked up to 3 Accounts per card.
Each card holder may opt up to two add-on cards for family
Members.
Cash Withdrawals at ATMs : Up to Rs. 25,000/- per day, with a per
transaction limit of Rs. 15,000/-
POS Transactions : Up to Rs. 60,000/- per day
The card will be valid for a period of seven years.
RuPay Platinum The RuPay Platinum Card may be offered to the following customers:
Debit Card for
premium - High Net Worth Individuals (HNI customers)
customers - Customers whose relationship is valuable to the bank as per discretion of
Incumbent Incharge.
These are Personalised and non Personalised Cards with cash withdrawal
limit of up to Rs 50,000/- per day at ATMs and POS/E-commerce
transactions limit up to Rs 1,25,000 per day.
The card is valid in India and abroad.
Those customers who want to go abroad should be given only International
Debit cards by the branch on their request.
PIN will be required at both ATM and PoS terminals for operation of the
International Debit card.
Cost of Card - Rs.100/- per card is to be recovered from all new customers
requesting for International Debit card. However, the discretion to refund the
same is delegated to the Incumbent Incharge in case of premium
customers.
The request is to be punched in DCARD menu under Type of Card field as
E/NE for International Debit cards.
Branch should also take note to enter the e-mail id of the customer while
punching the request for debit card in DCARD menu.
All cards that have been used internationally at least once in six months
are being replaced by International Debit cards as per RBI guidelines. No
charges are to be levied by the branch for the customers whose cards are
suo moto being replaced by the Bank.
COBRANDED
PERSONALISED Our bank has participated in the project for grain procurement of the Haryana
HSAMBRUPAY Government as an issuer and acquirer Bank Under this project we are launching
ARTHIA DEBIT cards for Arthias of Mandis of Haryana State Agricultural Board. These cards can
CARD be used by Arthias at selected RuPay enabled PoS terminals identified by NPCI for
(FOR HARYANA receiving direct payment from procurement agencies of Punjab Government as well
STATE) as for cash withdrawal at ATMs & PoS Transactions.
SALIENT FEATURES:
I. PROCESS OF ISSUANCE:
a. The process of request and issuance of Personalized HSAMB Cards is similar to
that of our existing Personalised Debit Cards. These Cards have been allocated the
BIN 607531. The branches must maintain the details required for issuance of
HSAMB cards in the PNB Register (Form PNB 1106, TBD Cir No. 16/2011) and
include the following fields in the register: Name to be embossed on the Card,
Arthia code.
b. Before punching the request for Personalised HSAMB RuPay Card the branch
must ensure that the Occupation code in CUMM is entered as Arthia for that
account number.
d. The Personalized HSAMB RuPay Arthia Cards and their respective PINs would
be sent to the respective branches in separate sealed envelopes. Proper
records of the same should be maintained at the branches with details of each
card issued in each account. The Card and PIN may be delivered to the
customer under proper receipt.
e. On handing over the card to the customer, the branch is to run the R and
C options in the DCARD Menu to get the Card activated through HO:
Transaction Banking Division. The card shall be activated by HO: TBD on
the next working dayafter the branch has run the R & C option.
III. VALIDITY OF THE CARD: The card will be valid for a period of seven years.
PNB Our bank has been participating in the Project for Food grain procurement through
PERSONALISED electronic remittance of Punjab Government as an issuer and acquirer Bank since
PUNGRAIN the last crop season w.e.f April, 2013. Under this project we have already launched
RUPAY KISAN
Personalized Pungrain RuPay Debit cards for Arthias of designated Mandis of
DEBIT CARD
Punjab Government in the first phase. In the second phase, we are now launching
Personalized Pungrain RuPay Kisan Cards for farmers. These cards can be used
SALIENT FEATURES:
Annual charges (presently @ Rs. 100/- + service tax) would be levied on each
card issued, after one year of issuance of the card.
a. Before punching the request for Pungrain card the branch must ensure that the
Occupation code in CUMM is entered as FARMR for that account number.
d. The Personalised Pungrain RuPay Kisan Cards and their respective PINs
would be sent to the respective branches in separate sealed envelopes.
Proper records of the same should be maintained at the branches with
details of each card issued in each account. The Card and PIN may be
delivered to the customer under proper receipt.
e. On handing over the card to the customer, the branch is to run the R
and C options in the DCARD Menu to get the Card activated through
III. VALIDITY OF THE CARD: he card will be valid for a period of seven years.
RuPay Kisan SALIENT FEATURES:
Cards For KCC Customers of the Bank only.
This may be issued as a Non Personalized Card or Personalized card
with name, for KCC Customers.
Personalized RuPay Kisan Card option under Type of Card Field:
Personalized RuPay Kisan Card PK.
RK RUPAY KISAN CARD (NON-PERSONALIZED)
Transaction limits under ATM & POS are same as RuPay debit card.
The specific request along with full justification should be sent to the respective
circle offices for approval since Circle Heads have been empowered to approve
such requests.
ATM PIN As a step for moving towards GREEN PIN, the process of issuing ATM PIN has
been changed as per details hereunder w.e.f. 25-05-2016.
Cash Withdrawal Type of Card Cash withdrawal -ATM Point of Sales (POS)
limit & purchase Rs. 25000/- per day (Max Rs. 60000/- per day
limit from POS Classic Debit Card
Rs. 15000/- per
including Rupay
transaction)
Platinum Card Rs. 50000/- per day (Max Rs. 125000/- per day
including Rupay Rs. 15000/- per
The charges for International ATM transactions in Bhutan under Druk PNB
Ltd. (DPL) Sharing arrangement are as follows:
Reward Point Under this scheme, w.e.f. 20.10.2010, Reward Points would automatically accrue to
Scheme on PNB Debit Card users, in proportion to the amount spent through their PNB Debit
PNB Debit Cards at POS (Point of Sale swipe machines) Terminals and for E-Commerce
Cards transactions (that is for transactions where the debit card is used over the internet for
shopping, booking of tickets etc) This scheme would be valid up to 31.03.2017.
These accrued points would be valid a period of 36 months. During the
periodicity of the scheme, the Reward Points which accrue to a card holder may be
redeemed as per the choice of the card holder against the free goods and services
available. The host of such goods and services on offer may be viewed at the
program web portal http://www.pnbrewardz.com/. The Reward Program toll-free
number is 1860-108-3334.
Monetary Master Card: Accidental Death claims of Master Card holders are being processed
Compensation and paid through Digital Banking Division, HO Sansad Marg New Delhi in terms of
Scheme for the DBD circular 05/2014 dated 22.01.2014 & 60/2014 dated 17.10.2014. The scheme
Family Of was valid up to 13.09.2016. DBD HO will continue to entertain the claim cases in
Active PNB respect of the Accidental death occurred till 23.59 Hrs of 13.09.2016.
Debit Card MD & CEO has approved to replace the existing Monetary Compensation Scheme for
Users, In Case Master Debit Card Users with Insurance Policy through GSAD to cover compensation
Of Their of accidental death of all our Master Card holders.
Accidental Please note that: - The New India Assurance Co Ltd will be the insurance partner to
Death provide insurance cover in case of accidental death of Master Debit card holders.
All accidental claims where incident has occurred on or after 14th September, 2016
and up to 26th May, 2017 will come under the purview of the Master Insurance
Programme.
All branches need to report all such claims to The New India Assurance Co Ltd for
intimation and subsequent assessment.
1. Benefit of Insurance will be available to the card holders who have performed
minimum one successful financial transaction at any channel Within 45 days prior to
date of accident including accident date for Platinum Master Card holders and Within
90 days prior to date of accident including accident date for Classic Master Card
holders for the following amounts of cover:.
2. Claim intimation should be made within Ninety (90) days from the date of death.
Insurance company may reject the claim if not intimated within the stipulated period of
90 days.
3. All supporting documents relating to the claim must be submitted within 150 days
(one hundred and fifty days) from the date of death.
4. For detail please refer Annexure B.
5. List of Documents (all documents to be duly signed and stamped by Branch
Incumbent): - Original Claim Form (Annexure A). - Copy of FIR / Police Report with
details of the accident stating the location, date and cause (Hindi/English translated
copy of FIR if the same is in local language). - Copy of Post Mortem Report. - Copy of
Death certificate issued by concerned hospital / medical attendant / municipal
authority. - Switch log / Core Banking System screenshot / Account statement for
transaction verification.
RuPay Debit Card: As a value added service NPCI is providing Insurance cover in
case of accidental death or permanent disablement of Rs 1 Lac for Non-Premium
cards (RuPay Classic) and Rs 2 Lac for Premium cards (RuPay Platinum) to eligible
RuPay card holders.
Vide DBD Circular 47/2015 dated 22.07.2015 the detailed guidelines were circulated
for Insurance Programme in case of their Accidental Death/ Permanent Disability. In
Para A (2) of the circular it was mentioned that The Benefit of Insurance will be
available to the card holders who have performed minimum one successful financial
or non-financial transaction at any channel (ATM/Micro ATM/POS/e-Com/BC of the
bank at locations) within 45 days prior to date of accident including accident date.
Now NPCI vide circular RuPay/2015-16/25 dated 24.11.2015 informed that The
card usage condition has been extended from 45 days to 90 days for RUPAY
CLASSIC CARDHOLDERS with effect from 25.11.2015. The 45 days usage
condition will remain unchanged for RuPay Platinum Card holders.
All Rupay Card holders (valid for Physical or Virtual RuPay card holder) i.e. Cards
issued on an IIN assigned by RuPay will be eligible for the benefit under the RuPay
Insurance Program 2016-17. Benefits of Insurance will be available to the Card
holders who have performed minimum one successful financial or non-financial
transaction* at any Channel both Intra and Inter-bank i.e. on-us and off-us (ATM/
Micro ATM/ POS/ecom/ Business Correspondent of the bank at locations by any
payment instrument).
a. within 45 days prior to date of accident including accident date for Premium Card
holders and
b. within 90 days prior to date of accident including accident date for Non Premium
Card holders.
This addendum circular basically advises banks that in addition to all financial and
non financial transactions, both on-us and off-us originating from ATM, micro ATM &
POS and online covering RuPay card and Aadhaar based transactions, all customer
DIVISIONAL MANAGER
DEPARTMENT - RUPAY INSURANCE PROGRAM 2015-16
THE NEW INDIA ASSURANCE CO. LTD.
DO 142300
1STFLOOR, NCL PREMISES
PLOT NO. C-6, BANDRA KURLA COMPLEX
BANDRA EAST, MUMBAI-400051
Sl
Type of Card Compensation per Cardholder
No
Master Classic / Maestro Debit Card / Rs. 50,000/- (Rupees
1.
KISAN Debit Card Fifty Thousands)
It has been observed that sometimes Accidental claim for deceased person is
submitted by two different branches simultaneously with different account
numbers of the same person. .It is clarified that if a customer holds multiple
accounts with multiple cards in Punjab National Bank, he will be entitled to
Accidental claim for one Active Debit Card only, which may be of highest
value.
To coordinate with the guidelines for issuing of cards and payment of monetary
compensation in joint account the revised guidelines are as under:
Either or Survivor A/c: As per extant guidelines ATM/Debit card can be issued to
both Either and Survivor and compensation paid to only first account. Now The
benefits of monetary compensation has been extended to both the ATM/Debit
card holders maintaining Either or Survivor account in case of their
accidental death.
Former or Survivor A/c: There is no change in Former or Survivor account.
Only Former is eligible for issuance of card and monetary
Cash Retention
Average cash dispensed by ATM (Rs) Limit (Rs)
Upto 70000/- 3 lacs
> 70000 & upto 1.5 Lacs 6Lacs
>1.5Lacs & up to 2.5Lacs 9Lacs
>2.5Lacs & up to 3.5Lacs 12Lacs
>3.5Lacs & up to 4.5Lacs 15Lacs
>4.5Lacs & up to 5.5Lacs 20Lacs
>5.5Lacs & up to 7Lacs 25Lacs
>7Lacs & up to 8Lacs 30Lacs
>8Lacs & up to 9Lacs 35Lacs
>9Lacs 40Lacs
To avoid any ambiguity, IBA has made Metro/Non Metro distinction at the postal code
level. Accordingly, Switch has also identified ATMs of the six metros as Metro/Non
Metro.
Eligibility Customers and Non Customer, Non-Customers may purchase PNB Uphaar
through payment from their account or by cheque from any PNB Branch.
Type of Card to be Non-Personalized Cards.
issued
Documents required For Existing PNB Customers:
for issuance of card Application form for issuance of Card.
The A/c should be KYC complaint.
(As per Banks For Non-Customers:
existing guidelines Application form for issuance of Card
for KYC Identity Proof: - PAN card, Passport, Driving License, Voter ID card or any
compliance) other proof as per Banks guidelines for KYC compliance
Address Proof: - Telephone Bill, Electricity Bill, Ration card or any other
proof as per Banks guidelines for KYC compliance
The Mobile Number of the cardholder is mandatory.
Applicability of Card Pan India
Amount to be Minimum: Rs. 500/-
loaded in PNB Maximum: Rs. 50000/-
Uphaar Card
Validity of the Card Minimum 6 months maximum upto 12 months from date of issue Replacement of
a card before the minimum validity period would attract card replacement fee
Transactions at No minimum limit
POS Maximum Rs 25000/- per day or the balance available in the card
(Cash withdrawal is whichever is lower
not allowed through
the card.)
Stock of Card and Stock of PNB Uphaar Cards and respective PINs would be maintained at
PIN branches. The stock of Suvidha Cards and their PINs held at branches would be
treated as security forms and their records shall be maintained accordingly.
Issuance of The original purchaser of the Card may lodge a request with a branch for
duplicate PIN issuance of Duplicate PIN.
The duplicate PIN will be sent to the branch from where such a request has
been generated.
Reporting loss of To be immediately reported to Banks Call Center by the card holder for hot
Card listing of Card.
Re-loading of Card PNB Uphaar is not a reloadable card.
Card Accepted at PNB Uphaar card would be accepted at:
All the POS / Merchant establishment having Maestro / Master Card logo.
Over Internet for Ecommerce Transactions.
Facilities to be Purchase at POS machines and over Internet for up to Rs. 25000/- per day
provided to card Other E-commerce transactions such as payment of Utility Bills / booking of
holders tickets/ making purchases etc. over the Internet
Process at CBS Each Uphaar Card will have a separate current account.
Separate Menu has been customized for the issuance of the card in CBS.
The menu option is PCARDISS The issuing branch will issue the card
using the customized CBS menu options.
Bulk Issuance PNB Uphaar may be issued in Bulk only to existing customer
Reports
The reports for PNB Uphaar can be accessed at :
CARDREP 9A and 9B
Schedule Of Joining Fee: Free of cost
Charges Card replacement fee (if card is lost): Rs. 25/-
Duplicate PIN Fee :- Rs. 25/-
Corporates:
Must be a constituent of PNB
.
Application Form Applications from Individuals may be taken on the specified Application Form.
(Draft enclosed)
Corporates may apply for issuance of PNB Suvidha Cards on their Letter Pad
signed by the authorized signatory.
Bank has introduced a new Menu option in CBS named as ADCREQ. Through this menu option the
Internet Banking- Retail and Mobile Banking facilities of the customer can be created and enabled at the
same time. In such a case the Login and Transaction passwords of the Internet Banking and Mobile
Banking will be same. On customers specific request only one facility can also be created through this
menu option
Types of Internet Internet Banking service is available to the customers of CBS branches for accessing
Banking Services their accounts through Internet without coming to the branches. Internet Banking
(IBS) Service is of two types:
1. Retail IBS
2. Corporate IBS
Retail IBS is to be provided to all such retail customers whose constitution is defined
as individual (Constitution Code 001) or Joint Accounts (Constitution Code 002) in
CUMM in FINACLE.
It is to be kept in mind that the Sole Proprietorship accounts & Partnership
accounts can also be included in IBS Retail (provided partnership firm does not
want maker & checker concept through IBS and the mode of operation in
Partnership Firm account is not that of Joint Operation.)
For Retail the customer has to fill in the form PNB1063 and Corporate customer has
to fill in the form PNB1212.
IBS Retail registration can also be done through call centre, ATM or On line through
the site www.netpnb.com under the link available New User or by visiting
www.pnbindia.in through the link internet banking, which will divert the user to
www.netpnb.com. On Line registration facility has been made available for Individuals
having self operated accounts and/or joint accounts with mode of operation as Either
or Survivor or Former or Survivor or Any one or Survivor only.
Creation of The FINACLE menu options for the creation of IBS Users are:
Internet Banking Retail IBS ADCREQ
User in branches Corporate IBS Through the link Relationship Manager only
Internet Banking NRI customers are now allowed to have all the transaction facilities on Internet. They
Transaction can transfer funds under permitted categories i.e. NRE to NRE, NRE to domestic,
facility for NRI NRO to domestic and NRE to NRO accounts. The procedure is as under:
customers
On Line registration for NRI Customers is also allowed. (TBD Circular No.
59/2014 dated 11.10.2014)
Functionalities Accounts: All the accounts attached to the customer ID are shown by the system
and customer can visit the same.
Transfers: Apart from the own accounts, funds can be transferred to the other
accounts in PNB, also through NEFT, RTGS and IMPS transfer of funds can also be
made under this link. The overall maximum limit of transfer of funds under all these
categories is Rs. 15,00,000/- (Rupees Fifteen Lacs only) per day, except 1) transfer
into his own accounts and 2) Payment of any Government Dues (For these two
transactions, there is no per day limit)
Service Requests: Various requests can be sent to the branch through this service.
Issue an FDR: Facility of opening online fixed deposits (e-FDR) has been made
available to all Retail Internet Banking Users. Using the facility FDR can be made
online through IBS without visiting the branch. The same can be renewed and/or
cancelled before due date through online also.
PNB Credit Card: Through this link information and activities relating to the PNB
Credit Card can be obtained. The customer can see his present and past statements
and can make payment also.
User Activity History: Financial & Non Financial Inquiry can be made.
Personal Setting: Change of IBS Shield (Image & Phrase) and Challenge Questions
can be defined through this link. A User can also set Login Time within system default
time which is 24x365 and transaction limit within system default limit of Rs. 15 Lac as
third party transfer limit. The online registration for Mobile Banking can also be made
through a special link provided in Personal Settings.
Alerts: System will keep on giving the alerts to the customer through this link.
Tax Credit Statement: Customer can watch his TAX Credit Statement AS26 by
clicking this link.
Apply for Bank Products: Customer can apply for other products of the bank.
Change of User id: Bank has provided an online facility to change user id by the
customer any number of times.
Debit Card Personalisation: Customer can manage his debit card through IBS and
can reduce the limit of card as per his convenience. Subsequently the limits can be
increased upto threshold limit set by the Bank any time.
Change account access: Retail Internet Banking users can choose the accounts in
which they want to transact or not, on their own. This feature Change account
access can be accessed and used as under:
2. Go to Personal settings > Personal Details & Preferences > Change Account
Access
3. All the operative accounts linked to user ID will be displayed on the next page.
a.) Following selection parameters have been given for modifying account access
under Change Access Account
(i) No Access: User may use this option if he doesnt want to inquire and perform any
transaction through any account.
(ii) Access: This feature allows user to select either inquire or transact option for a
Other Payments Apart from the above functionalities bill payments of Electricity bill, Water payments
bill, Gas Bill, DTH bill, Mobile Bill, Land Line Bill, Insurance Premium, Donations to
charitable institutions, Fees to the Universities, Payment of Taxes and VAT to the
states mentioned in the list, Share Trading Payments, Hotel & Travel bookings can be
done, through the Internet Banking Services.
Retail IBS Fund Transfer of Funds through Retail internet Banking can be classified under two
Transfer limits heads:
1. Within your own accounts Unlimited
2. To 3rd party accounts Rs. 15 lac per day
(3rd Party accounts may be of following types )
Utility Bill payments.
Intra Bank 3rd party transfer
Payment towards credit card
E-Commerce transactions
Users have been enabled to set their own daily transaction limit, for any
amount, as per their need within the maximum limit of Rs. 15 lac per day.
However, the default limit of overall maximum amount will continue to be Rs.
15 lac per day.
Time Limits for The funds can be transferred Inter Bank using the Internet Banking Services. The
remittance of time limit is as under:
Funds through
RTGS/NEFT RTGS (R41 transactions i.e. customer transactions): 8.00 am to 4.15 pm
using IBS. NEFT (N06 transactions i.e. customer transactions): 6.00 am to 6.35 pm
Bulk RTGS (Through Corporate Internet Banking): 8.00 am to 3.45 pm
Bulk NEFT (Through Corporate Internet Banking): 6.00 am to 6.30 pm
However; after the prescribed timings, user has the option to make the transaction,
which will be executed during the subsequent working day (NEFT/RTGS working
day).
On line Enabling 1. Enabling transaction facility for View Only users:
Transaction
facility for view Until now, if a user has opted for View Only facility through Internet Banking or
only users and Mobile Banking and later on wishes to avail transaction facility also, user has to visit
Fetching USER to the branch. The branch, in turn had to follow the below steps to enable transaction
ID facility in IBS/ MBS: A-M- Use Menu Option ADCREQ - Enter the Customer ID in
Fetching User ID: If a user has forgot his user ID for Internet Banking or Mobile Banking, he can online
fetch his user ID without any hassles online. The link for enabling transaction facility
has been provided on home page of Internet Banking website www.netpnb.com.
Internet Banking Branches may register the Corporate Customers for Internet Banking services
Corporate instantly by logging-in to Relationship Manager where branch official would create
Corporate ID & Corporate Admin user for the Corporate, attach one pre-printed
password (UID) with the same & hand it over to the person authorized to receive the
same under proper acknowledgement.
The Corporate Admin after receipt of password, may create other users, set their
password, set their transaction limits & map their workflow rules for transactions. The
Corporate Admin/users would be activated instantly after creation, however all their
accounts will be visible to them after 24 to 48 hours.
Role of Branches:
Keeping pre printed passwords (UID) received from Head office as security
instruments & ensuring availability of adequate stock of the same.
Obtaining duly completed request form (PNB 1212) for registration under IBS
Registration by Branches only
customer through
Request Form For Retail Customers
Through PNB 1167-SMS Alerts & Mobile Banking Retail duly
filled by the customer
OR
Through PNB 1174-SMS Alerts Slip duly filled by the
customer(Retail)
OR
If the customer opts for the service in the account opening form.
OR
Customer Mandate to Register for SMS Alerts
(Introduction of Register at Branches)
How to Register for The registration for SMS Alerts can be done through Branches only.
SMS Alerts?
Apart from these, Customers who are registered for this facility would
be receiving the following alerts on their mobile in addition to the
alerts on their transactions:
Introduction of Pull In order to provide a simplified SMS Banking to our customer, a new
limited feature version of SMS Banking has been launched wherein
there is no need for applying at branch and no need of remembering
SMS facility for and using SMS password.
Retail Customers.
With the launch of this feature all customers who have registered their
mobile number with Bank for SMS Alert in their account are
automatically enabled to use following financial and non financial
transactions using SMS Banking.
Balance Inquiry
Mini Statement
HOT<space>Card number
Option 9
\Sub-option 148
Set Id/Sol Id
Charges SMS Alerts charges are applicable @ Rs. 15/- (plus service tax) per quarter
for with following exempted category of accounts, where no charges are levied:
SMS Alerts.
1. Sr. Citizen Accounts
2. Vidyarthi Accounts
3. Mitra Accounts
4. Staff Accounts
5. Ex- Staff Accounts
c. If a debit card is already Debit card already issued on and request this will
get a cancelled automatically.
d. If the account number is correct and mobile number is registered with the
provided account number: Request received, your request no is XXXXX. We
will revert back soon with the card dispatch and details request will be
added in the DCARD menu of CBS.
e. SMS text to be sent Your debit card has been dispatched at your
registered home address. Please visit your base branch for activation
after receiving the debit card and ATM pin.
The card will get activated within 48 hours of punching the activation
request by the branch.
Mobile banking (also known as M-Banking, SMS Banking etc.) is a term used for performing
balance checks, account transactions, payments etc. via a mobile device such as a mobile /cell
phone.
PNB Mobile Banking Service would allow various banking and financial transactions besides
doing SMS Manual Banking i.e. getting information over SMS.
Bank has introduced a new Menu option in CBS named as ADCREQ. Through this menu option
the Internet Banking- Retail and Mobile Banking facilities of the customer can be created and
enabled at the same time. In such a case the Login and Transaction passwords of the Internet
Banking and Mobile Banking will be same. On customers specific request only one facility can also
be created through this menu option.
Who can apply: Any person having account with PNB with Single or Joint name having
constitution code 001 or 002 as per CUMM) can apply for PNB Mobile
Banking Services.
Activation of Password Login password is activated by default. However the request for
(Offline) activation of transaction password will be submitted by the branch in
CBS menu ADCREQ>P>E at the time of delivering the same to the
customer. The password will be activated after 24 hours of
submission of request in CBS
The user after logging into Mobile Banking Service will choose
Mobile Payments option for making payment towards available
On choosing mobile payments following options will be
displayed:
Add biller
View and Pay bill
View payment history
Add Biller
Based on the requirements user can add billers like Airtel, Vodafone
The user would be able to select the biller from the list available.
The mobile banking application of the bank has been integrated with National
Payments Corporation of India (NPCI) server for enabling Interbank Mobile
Payments Services (IMPS). This has enabled our Mobile Banking customers
for making interbank transfer of funds within the limits specified by RBI.
Interbank Mobile One of the features of mobile banking is that the funds can be
Payment Service transferred to other bank accounts in real time using the link IMPS.
(IMPS): Our Mobile Banking application is enabled for:
IMPS Person to Person (P2P)
Payments Person to account (P2A)
Merchant payments (P2M)
The charges @ Rs. 5/- + Service tax per transaction have been
made applicable for IMPS transactions. However, staff accounts
have been exempted from levy of IMPS charges.
(In order to promote IMPS transactions, it is been decided now
that there will be no charges levied on the customers for IMPS
transaction up to the amount Rs. 1000/- done between 1st
January,2017 to 31st March,2017)
Mobile Mobile Banking services are now available for NRI Customers also, on their
Banking Domestic Mobile Number. For operational/user guidelines for Mobile
for NRI Banking services, please refer TBD Circular No. 51/2013 dated 07.12.2013.
Online Online password reset facility for Mobile Banking Services through
Password Internet Banking has been enabled. The detailed process for the same is as
Reset for follows:
Mobile Login into retail IBS through www.netpnb.com.
Banking Click on Personal Settings.
Users Click on Mobile Banking Password Reset.
through Mobile Banking user ID shall be displayed (In case, more than one
IBS Customer IDs is attached with IBS User, system will allow to reset the
password for MBS only if Mobile Banking is issued in the primary Cust ID of
the user) . Click on Continue to receive OTP.
OTP will be delivered on the Registered Mobile Number of the customer.
Feed the OTP on the Internet banking screen and Click Continue.
Role of Branches: a. To scrutinize the letter of requests (PNB 1167) for mobile
banking, submitted by customers, to check that the relevant
information is properly and legibly filled in by the customer.
b. To verify the signatures of the customers to accept the application
for PNB Mobile Banking.
c. To ensure that the address captured in Finacle under CUMM is
complete and is the same, as filled in the form. In case of any
change, required modifications should be made in CUMM after
obtaining KYC documents from the customer, in terms of bank
guidelines.
Concept Customer Relationship Management (CRM) is a tool that facilitates the field
staff in achieving Banks Business goals by acquiring new customers &
retaining existing customers. This helps in cross-selling and up-selling to the
existing customers. The main objective of CRM is to capture the details of
prospective/ existing customers in a systematic manner.
CRM solution is implemented in all the FGMOs, Circle Offices and selected
branches. The List of CRM enabled branches is available in CRM Home Page
in DAILY LOGIN REPORT. Any new branch can be enabled or existing
branch can be disabled by our division on the recommendations of the Circle
Head.
Concept of Cross Cross Selling: Selling additional products to existing customers is called
selling and Up cross selling. If we sell asset side products to a liability side customer or
Selling even a related asset side product to an existing asset side customer e.g.
house repair loan to housing loan customer, it is called cross selling.
Up Selling: It is a sales technique, whereby customers are offered additional
product, upgrades, or other add ons in the same product category. It
involves marketing of more of profitable services and products. Up selling can
also be done by simply exposing the customer to other options he or she may
not have considered previously.
Main Features of
CRM
1. CRM Account-id: CRM account id is the unique id maintained in CRM
for all customers. CRM account id is the Mandatory field for lead
creation. For existing customers, CRM account id should be searched
from Account- Search option and lead should be created. For new
Customers, CRM account id is to be created by the branch/circle officials
through Account- Creation option.
2. Lead Creation:
For creating a Lead, click on the Marketing tab in the home page
(Left side) and click on Lead Create.
Choose any one of the Transaction type depending upon the product.
If you are creating leads for existing customers then enter the existing
CBS a/c number in Bank A/c No. field and press Enter key. System
will automatically fetch the corresponding CRM a/c ID. For new
Note: Hub User has to select HUB instead of Branch and enter the
HUB D. No in the following format HUB_**** (For ex: HUB_5211)
In Products Tab, enter the CRM Product ID and Amount and press
Enter
In Products Tab, under the Product ID column, click on the small box.
Fill the search criteria by entering any one of the fields to know the
product ID.
If there is any error in creating the lead, lead ID will not be generated.
Error will be shown in top right corner as shown in below fig. Rectify
the errors and click on save button.
Click on save button (Top Left hand side). Lead Number will be
generated and it will be shown in ID field.
LEAD SEARCH :-
For searching a Lead, click on the Marketing tab in the home page
(Left side) and click on Lead Search.
Fill the search criteria by entering any one of the fields (like Lead
Number in Lead ID field) and Press Enter or click on Search button.
The result will be shown under Result list menu and click on
Description field.
Go to the Lead Details screen and Click on the EDIT button near Lead
details.
Click on STATUS and Choose In-Process from dropdown.
Click on Reason and choose option from the dropdown.
Click on save button (Top Left hand side).
Status changed from open to In-process.
Go to the Lead Details screen and Click on the EDIT button near
Lead details.
In Products Tab, under the Amount column, enter the account
opened or sanctioned amount.
Click on STATUS and Choose Sanctioned only from dropdown.
Go to the Lead Details screen and Click on the EDIT button near
Lead details.
Click on STATUS and Choose Rejected from dropdown.
Click on Save button (Top Left hand side).
Status changed from In-process to Rejected.
Go to the Lead Details screen and Click on the EDIT button near
Lead details.
Click on STATUS and Choose Cancelled from dropdown.
Click on Reason and choose option from the dropdown.
Click on save button (Top Left hand side).
Status changed from open to cancelled.
Initially the primary source of lead for CRM was branch walk-in customers
who visit the Branch offices or having interactions with the branch officials.
Circle Offices/ Field functionaries were scouting for new business in their
respective areas by meeting prospective customers and generating the leads
manually.
But this method alone was not sufficient in todays competitive scenario.
Moreover it was not possible to reach all the customers/ prospective
customers to meet their requirement by offering other banking products and
services. The leads generated through ADCs are 'warm' leads of people who
are already interested in Bank's products and have already made an active
effort to reach out to the Bank. Hence, the conversion ratios are likely to be
significant.
Process Flow:
a) All the leads received through ADCs are directed to the Marketing Officer at
circle office.
b) The designated Marketing Officers at circle offices route these leads to the
concerned CRM Branch or Business Development Executives for processing
after talking to the customer and capturing additional details of the customer
requirement in CRM system.
e) In case the leads remain unattended for 2 days (excluding creation date of
lead), automated escalation report of Open leads is sent to Sr. officer in-
charge (AGM/CM) of Marketing at Circle Offices.
f) In case the lead remains unattended for a total of 3 days (1 day with Sr.
Officer at Circle Office excluding creation date of lead) report of Open leads
gets escalated to FGM office-Senior officer in-charge of Marketing
(DGM/AGM) and in case lead still remains unattended for total 5 days
automated escalation report is sent to GM/DGM, Marketing Division at Head
office.
CLMS/MASS LEAD:
Move to top right of the frame & click on MORE & click on
Redetermine Parties. Select reason for transfer from drop down and
click twice on SAVE (top left side of the frame)
4. Campaign
Leads are created from the existing customer database for cross selling of
other bank products and leads are forwarded to respective CRM enabled
branches or Circle Offices. Processing of Mass Lead is same as the
processing of CLMS leads.
b) Mail Campaign
Emails are sent to the target customers/ non-customers about various Banks
products for selling the products to the interested customers. On receipt of
request from customer, leads are created in system for further follow up.
5. Activity Management
Complaint handling and Service request from the Customers as well as Non-
customers of the bank are fragmented in two different segments of Customer
Service. In order to reduce the resolution time in respect of complaints and to
facilitate a utility for all concerned, a solution in the form of this centralized
system is implemented.
The features in the On-line Complaint and Service Request Management
system are as follows:
a) Complaints and Service Request can be lodged from CRM enabled
Branch Office, Circle Office, Call centre, Customer Care Centre (CCC)
and Head Office and through the following ADCs:
PNB Website
7. Password Change
To view the log-in page of PNB CRM, the computer should be configured with
file available under link "CRM/EDW host Configuration" placed at Home Page
of CBS. If any user is unable to configure the computer from said link, then
following IP detail to be added in the 'host file' of the computer:
10.192.26.4 crmprd.pnb.com
After updation, the system will show the PNB CRM log-in page. Further, in
case of any issues in viewing CRM/BI reports, the settings can be done as per
the document provided on the home page of MISD/EDW with the name CRM
Settings for different versions of Internet Explorer.
Phone: 011-23705945/46
Email : crmhelp@pnb.co.in
RTGS (Real Time Gross settlement) is on-line system through which inter-bank fund transfers
take place in India electronically. The transfer mechanism is controlled, monitored and settled by
Reserve Bank of India. Transactions are settled transaction by transaction throughout the day
during stipulated timings. Our Banks product of RTGS is known as PNB Insta Remit.
RBI has upgraded the existing RTGS system to NG-RTGS (New Generation RTGS) which is
Types of The outward messages sent by the branches are of following two types:
messages
sent 1. NCP messages (Normal Customer Payment Request): i.e. the
through messages to be sent on behalf of the customers in which the debit A/c
RTGS has to be a customer account.
2. NIP messages (Normal Interbank Payment Request) i.e. the messages
to be sent by the Bank for Inter Bank remittance purposes. In this type of
message the debit account cannot be a customer account. It has to be
an Office account.
Net Banking
Starting time Ending time
TIMINGS
FOR 8:00 4:15
RTGS RTG a.m. p.m.
through S
Internet
Banking Bulk 8:00 3.45
RTGS a.m. p.m.
(Through Corporate IBS)
Commonl TRAN REF NO: It is a unique number generated by the system to uniquely
y used identify a transaction.
terms PO REF NO: It is a unique number generated by the system to uniquely identify
a payment order (PO).
PAYSYS ID: It should be entered as NRTGS.
SERVICE ID : It can have two values
i) NCP : Normal customer payment (Previously R41)
ii) NIP: Normal interbank payment (Previously R42).
NEFT is an application by which customers can transfer funds interbank in India in an efficient,
secure, economical, reliable and expeditious manner. This mode is used to transfer funds of
smaller amount. The transfer mechanism is controlled, monitored and settled by Reserve Bank
of India. Transactions are settled in batches on the basis of net settlement, throughout the day
during stipulated timings. It is also known as PNB Speed limit.
Settlement and The NEFT batches starts from 0800 till 1900 on working days. There are
batches total 11 batches at 0800, 0900, 1000, 1100, 1200, 1300, 1400, 1500,
1600,1700,1800 Hrs. and five batches on Saturdays at
0800,0900,1000,1100 and 1200 Hrs
State Bank of India Rs: 20/- per transaction. SBI would share this
Rs.20/ with NSBL at Rs: 10 each.
NSBL would not charge any additional amount for crediting the
beneficiary, if he maintains an account with it. In case the beneficiary
does not maintain an account with NSBL then, an additional amount
would be charged- Rs. 50/- for remittances up to Rs: 5,000/- and Rs: 75/-
for remittance above 5,000/-.
Bulk Upload of User can upload the NEFT bulk transaction file in CBS using the
NEFT PCUNIX and RTGSBULK menu options.
Transactions
The maximum number of records that can be uploaded at a time is
225 records.
Amount cap Individual message of less than Rs 10 Lacs can be
verified in HRTGSV menu. Beyond Rs. 10 lacs, the user has to verify
individual messages through HRTGS menu.
Number of transactions cap Maximum 50 records can be displayed
for verification at a time.
The branches have to generate the following report at the end of the
day.
NEFTPNB 15B - NEFT Outward Messages Report account wise
Pipe Separated with Beneficiary Name and INFO (This report can be
generated for only a day)
Msg_status field indicates the following:
T Transmitted (sent to other Bank)
G Credited Success (confirmation received from other bank)
C Rejection Received (returned by the beneficiary bank)
The records of only T & G status are to be given to the
customers for their record. The failed and processed
transactions will be credited back to the customers account
the next day which need to be sent again.
Helpdesk RTGS & NEFT Cell has been made an independent unit
functioning from PNB House (006200), Mumbai under the
operational control of TBD, HO and under the administrative
control of Circle Office, Mumbai.
RTGS NEFT
UTR No UTR No for inward messages
Date Date
Amount Amount
Variants of Primarily, there are two variants of NACH - NACH Credit and NACH Debit.
NACH. The scenarios may be:
Credit ACH :
Single Debit multiple Credit: Generally used by the Institutions for payment of
Salaries/ Dividend/ Pension/ Interest etc. to the beneficiaries having Bank
accounts with different Banks at different locations.
Debit ACH :
Single Debit single Credit: Generally used by Banks for collection of Loan EMI.
Mandate for loan EMI ( DBD 44/2016 dated 30.07.2016)
In addition to Loan EMI amount mandate, Branch will obtain one separate
mandate for entire loan amount (for security purpose) in duplicate and send the
original copy to the respective RCC/ Back Office. The mandate for security
purpose will be obtained with the option ticked by borrower as and when
presented. RCC/ Back Office will scan both the mandates (EMI + Security), create
data file and get the same approved from destination Bank through NACH portal.
Back Offices/ RCCs to note that Mandate category for regular EMI is L001- EMI_
Role of Banks Sponsor Bank: The Bank responsible for lodgment of outward ACH file is known
as Sponsor Bank.
Destination Bank: The Bank responsible for processing of Inward ACH file is
known as Destination Bank.
Prerequisites A Corporate needs to be registered with NPCI & obtain Unique Identification Code
for availing (Utility Code) for NACH services through its sponsor bank. After getting Utility
NACH Code, Corporate will collect NACH Mandate Forms (for ACH)Debit from his
Services customers and submit the duly filled mandate forms to the Branch for getting the
same approved from the Destination Banks of the customers through NPCI.
The NACH Mandate Form (PNB 1217) is also available on our website
www.pnbindia.in
The nodal Service Branch for Mumbai City Branches is CDPC Mumbai &
for all other Branches is RCC Delhi.
Handling HO ITD, has designed a secured web portal, accessible over Intranet to all
Outward branches/RCCs/Service Branches. The login details are as under: URL to
Activities access application is https://10.192.18.102/nach Login ID of the branches is their
SOL ID (6 digits). For password, branch will click Reset password link and
system generated password will be delivered on official e-mail ID of the branch
(boxxxx@pnb.co.in).
For each mandate form; NPCI will allocate a Unique Mandate Reference Number
(UMRN), Branch may check the UMRN provided to the customer by logging in to
web portal & entering customers account number in the respective field (Details
provided in User Manual placed on the portal).
Request for Cancellation of Mandate: Branch User would login to ECS secured
portal and search for UMRN by entering account number. All the UMRNs attached
with the account will be displayed by the system. Branch user would select the
desired UMRN and submit the cancel request and upload the scanned copy of
mandate (with cancellation request). Cancellation Request may be submitted by
the Branch for both the cases whether customers debit account is with PNB or
with other bank.
Role of RCC :
Cancellation of Mandate: RCC User will match the data & mandate details &
confirm the cancellation request. Once submitted to NPCI by the system, the
mandate (UMRN) will be marked as cancelled at NPCI end. Response from
destination banks w.r.t. mandates submitted will be processed automatically by the
system and records will be marked accordingly as accepted/rejected with reasons.
An email alert to respective branches/RCC will be sent on daily basis w.r.t.
mandates rejected by NPCI/banks. Reports are also available on the portal to
check status of mandates.
This clause is applicable for NACH mandates only. The existing ECS
mandates on RBI platform are continued to be entered in Finacle, if not
entered earlier by the Branches.
Native 306 character ACH file will be uploaded by Service branch on NPCI portal
on the date of settlement before cut-off time.
The detailed process is mentioned in the user manual available on Secure Web
portal.
Role of Service Branch: Service Branch will download the ACH outward files on
daily basis and also ensure that funds as per Mandate letter have received from
Corporate and credited into their non-customer account. Service Branch will
upload all these files to NPCI portal according to their settlement dates. Marking of
returning through the Response file will be handled by Service Branch. The
detailed process is given in the user manual available on Secure Web portal.
a. Transaction File, where PNB acts as User Institution (Credit in Loan Accounts):
In all such cases, where role of PNB is a User Institution as well as sponsor bank
(EMI Collection in Loan accounts), the Business file would be generated by the
system. Respective RCC would have to login ECS secure web portal to generate
the ACH outward debit file. Generated file will be uploaded to NPCI server through
automated process for further processing on the date of settlement. Response files
generated by NPCI will be downloaded and processed by automated process and
all the entries will be marked as debited/not debited with reasons. An email alert
for returning of any debit entry will be sent to respective branch/RCC on daily basis
NACH (Debit) Charges (Inclusive of service Tax and Education Cess): Rs.3/-
per transaction charges Minimum charges Rs.2000/- + charges payable to NPCI
and destination Bank, if any. Subject to recovery of all out of pocket expenses
including processing charges in case they are ever again levied by Reserve Bank
Of India/NPCI.
3 Micro-lettering
5 Bank Logo (printed with Ultra violet (UV) ink printing is not visible in normal
invisible ink UV ink) light but glows under UV light lamp.
DESIRABLE FEATURES:
As regards desirable features, our bank has opted for the following desirable features, in
conformity
with RBI/NPCI guidelines on CTS-2010 compliant cheque forms:
1. All Cheques are printed with ground in pastel light pink colour.
2. CBS Logo is embedded in ground printing in pink colour in the cheques.
3. Words Current A/c or Saving A/c are printed in Hindi & English
after the box meant for account number.
4. No printing is done at the back of the cheques.
5. All cheques are printed in Multicity format, as such words Payable branches at
all are printed in Hindi & English on top portion of the cheques.
6. Transaction code printed in MICR band is 29 for current account and 31 saving
account cheques.
7. MICR sort code of the branch is being printed in the MICR band where the same
is allotted to the branch and has been conveyed to the Printing & Stationery
Department. Generic sort code 000024000 is being printed in other cases.
8. Non-personalised cheque books are being supplied with the box meant for
account number split in 16 cages and branch sol id being pre-printed in first six
cages. In case of personalized cheque books and computer continuous stationery
cheques, account number is pre printed in a single rectangular box (without
splitting in 16 cages).
9. All cheques printed/supplied since April, 2011 by the Dept. are CTS-2010
standards compliant and carry all mandatory & desireable security features
enumerated herein before.
7. For Customer Constitution Codes account 001 002 and 999 , only title of the
account is printed on the cheques { in the space meant for Drawers Signature(s)}
and for the codes 003 and 029 , title of the account is printed as under :
MULTI SESSION FOR PROCESSING CTS 2010 AND NON CTS 2010 INSTRUMENTS
The procedure for processing CTS 2010 and Non- CTS 2010 instruments. As per RBI
guidelines :
1. Different sessions will be run for CTS 2010 and Non-CTS 2010 instruments.
2. Sessions for Non-CTS 2010 instruments will be run at the following frequency :
From 1st Nov. 2014 onwards Once a Week on every Monday
3. Segregation of instruments will be handled by the presenting bank. While scanning the
instruments care should be taken to ensure the instruments are presented with relevant
clearing type. Kindly ensure to use the relevant clearing type for Non-CTS 2010
instruments (clearing type no.11) as per the schedule provided above to ensure no
inconvenience is caused to the customers/other participating banks.
4.If Non-CTS 2010 instruments are presented in incorrect session then the drawee bank
can return all such instruments if any, presented in the regular CTS Clearing will be returned
under the 37reason-Presentinpropercodezone. Such returned instrum represented by the
collecting branch in the immediate next special clearing session for non CTS-2010
instruments.
5. Since government cheques are cleared under P2F, non-CTS 2010 government cheques
can continue to be presented in CTS clearing every day w.e.f. January 2014 till further
notice
I. Clearing type (11) is defined for Non-CTS 2010instruments and type (01) is defined for regular
CTS instruments cleared on all working days.
II. Clearing for Non-CTS 2010instruments (clearing type no.11) will be run on every Monday
with value dating on the next working day.
III. Corresponding returns sessions will be conducted on the value dates.
IV. In case of holiday falling on any of the above scheduled session days the presentation
session will be pre-poned to the previous working day and return session will be conducted next
available working day to the holiday.
V. For session timings for each clearing type are given below.
VI. Session differentiation will be handled through clearing type in the file formats .
VII. When the instruments are presented by the banks with relevant clearing type, the CHI
(based on the clearing type provided in the CXF file) attaches the files to relevant session.
VIII. Blockage will be applicable to all sessions.
IX. Extension will be applicable to a specific session.
X. Inward files, session reports settlement will be generated separately for each clearing type.
XI. Daily reports pertaining to system log will continue to be common for all sessions.
III. While scanning the instruments care should be taken to ensure the instruments are
presented with relevant clearing type. Kindly ensure to use the relevant clearing type for Non-
CTS 2010instruments (clearing type no.11) as per the schedule provided above to ensure no
inconvenience is caused to the customers/other participating banks.
IV. Drawee banks can return the Non-CTS2010 instruments, if any, presented in the regular
CTS-2010 clearing, under the reason code '37-Present in proper zone'. Such returned
instruments will have to be re-presented by the collecting bank in the immediate next special
clearing session for Non-CTS 2010 instruments in accordance with the instructions contained in
RBI circular no. DPSS.CO.CHD.No.2030/03.06.01/2012-2013 dated May 7, 2013.
V. Separate settlement reports/data will be supplied to member banks pertaining to Non-CTS
2010 instruments drawn on them.
VI. Ensure that reconciliation process is in place to handle multiple sessions and settlements
accordingly. VII. Segregate the P2F instruments of both the sessions and present the same in
the P2F session. There will be a combined P2F session per day.
II. Banks should use appropriate return reason code provided for all such returns. Due care
should be taken to ensure returns are made in the appropriate clearing type as the return
sessions for Non-CTS 2010instruments will be run only on specific days.
III. It should be ensured that the return files are generated separately for each of the clearing
types.
IV. Extension for returns continues to work on the basis of clearing session number. Therefore
banks need to take care while approaching President of the Grid Centre (RBI) for extension by
quoting the relevant session number as well as the clearing type, for which, extension is
required.
V. Ensure that Reconciliation process is in place to handle multiple sessions in different clearing
types and settlements accordingly.
I. Separate returns sessions will be opened for both the types of instruments (CTS 2010 and
non-CTS 2010) as is followed for presentation clearing.
II. Extension will work on session number for relevant clearing type.
III. While requesting for extension to the President of the Grid, banks should take adequate
caution to ensure that they mention the relevant presentation session numbers along with
clearing type for which extension is sought a. For example the following are the indicative
clearing type numbers
IV. No request for extensions for returns under clearing type number 11(NonCTS 2010) will be
considered as Non-CTS 2010 instruments sessions are conducted once a week and sufficient
time is provided for processing the instruments.
V. Reconciliation process should be in place to ensure the debits/credits received for the returns
of CTS 2010 and Non-CTS 2010 instruments.
Zone Code
In case of Inter bank outward clearing, Zone Code will be CTOXXX for
CTS-2010 Cheques and NCOXXX for Non CTS-2010 Cheques.
in case of outward LDD (Instruments drawn on our own branches in case of sub-
member banks), Zone code will be CTLXX. Here X stands for a numeric digit 0 to 9 (like
State Level RCC/Back Office shall open the zones one day in advance for all the
participant branches under its jurisdiction.(In case of Holiday State level RCC/Back
Office will open zero latency zones)
Instrument through MCLZOH menu option and if status will invoke Menu option
OCTM (Outward Clearing Transaction Maintenance) for lodgment of Instruments.
The banks would be required to send paper along with the scanned images in the
following situations:
(c) When the instrument has been returned by the drawee bank with reason
code 39 (Image not clear, present again with paper) or reason code 40 (Present with
document)
(d) When the drawee bank requests for the physical instrument to be
submitted.Image quality analysis (IQA): The banks need to perform IQA validations
at the capture system. Each image shall have an IQA indicator tag indicating the
outcome of the IQA test carried out by the capture system. Any image of a cheque
that fails to meet the image quality as from time to time by NPCI is treated as IQA
failure.
IQA Failure: These are those cheques wherein the image does not satisfy the
parameters specified by RBI due to cutting, mutilated, torn, excess size etc. Which
has to be sent physically i.e. Paper to Follow Cheques. The system will ask for
Rescan , Accept and Reject. The user has to take appropriate
Rescan Button: User has to put the cheque again in the scanner and click the
Rescan Button.
Accept Button: On clicking the Accept Button the instrument will automatically will
go to transaction. User has also to send the physical cheques to the service Branch
for further exchange to Clearing House.
Reject Button: On clicking the Reject Button the instrument will be deleted from the
Batch. User must ensure that the instrument is also deleted from CBS.
After completing the scanning, manual entry and balancing of batch, click on End
Batch for for further course of action. Thereafter Click on Exit button.
All.
Accepted at CHI.
Accepted at CH. All
rejected.
For generating Inward Clearing reports, go to inward option in the report link. Three
reports related to inward clearing are available:
Inward received
Paper to Follow
Duplicate MICR Cheques
RETURN REPORTS:
All the instrument returned in Outward and Inward Clearing are available in return report link.
Following types of reports can be generated for outward return:
a) Inward Return
b) Inward Return P2F
c) Outward Return
d) Outward Return P2F
Reports in CBS
Outward Reports
1) Cheque Truncation Report (3/35): For as Branch, this report gives status of the zone
(suspended(S), Release (R), Regularize (G)), no. of instruments in a particular zone and
amount of those instruments for a single day for a given sol-id/set id.
2) Cheque Truncation report for a given period (3/35a): This report gives the name of
branch/branches, status of the zone (suspended(S), Release (R), Regularize (G)), no. of
instruments in a particular zone and amount of the instruments corresponding to that zone for
a particular period for a given solid/ set id.
3) Cheque Truncation report for a given period (ZONE WISE) (3/35b): This report gives the
name of branch/branches along with the MICR code, status of the zone (suspended(S),
Release (R), Regularize (G)), no. of instruments in a particular zone and amount of the
instruments corresponding to that zone for a particular period for a given sol-id/set id. This
report also gives the sum total of the all the instruments presented for a given period.
4) Non Cheque Truncation Report for a given period (Set Wise) (3/35c): This report gives
the name of the branch along with the zone code, status of the zone, no. of instruments
pertaining to the instruments lodged under Non CTS Clearing.
5) Outward Clearing register (all zones) (3/8): This report gives the details of each cheque
presented from a particular branch in all zones (CTS Zones or MICR Zone) along with the
following details: Set No., Account No., Account Name, Cheque No., MICR code, drawee
bank/branch, Instrument Amount, Entered User & verified User.
7) Outward Clearing Register (for a zone) (3/2): This report gives the details of each cheque
presented from a particular branch in particular zone (CTS Zone or MICR Zone) along with
the following details: Set No., Account No., Account Name, Cheque No., MICR code,
drawee bank/branch, Instrument Amount, Entered User & verified User.
8) Bank wise Outward Clearing schedule (for all zones) (3/27): This report gives the drawee
bank list instrument wise for all zones.
9) Bank wise Outward Clearing schedule summary (For All Zones) (3/28): This report gives
drawee bank list instrument wise in consolidated form for all zones.
10) Report for Outward Clearing set wise (3/39b): This report gives the details of
total no. of cheques along with the amount (CTS and MICR) presented in all branches
for a particular Set-Id or presented in a particular branch in a Sol-ID.
11) Unverified Transaction during zone Release (3/53): This report shows the unverified
transaction at the respective branch after completing releasing of the zones centrally at
State Level RCC .
Inward Reports
1) Inward Clearing Register (for a zone) (3/3): This report gives the payor account no.,
payor name, instrument no., Date on the instrument, amount on the instrument and
payee name for a particular zone
2) Inward Clearing Register (All Zones) (3/9): This report gives the payor account no.,
payor name, instrument no., Date on the instrument, amount on the instrument and
payee name for all zones.
3) Inward Clearing list (For a Zone) 3/10: This report gives the details of instruments
along with the account no., account name processed in a particular zone.
4) Status of all Inward Clearing CTS Zones 3/21a- This report gives details of all zone
codes, no. of paid cheques and returned cheques processed in a particular day.
RBI has put in place the uniform holiday arrangement at the three CTS locations as under:
i. The CTS centres in all the three Grids will adopt RTGS holidays as uniform holiday for the
respective Grid.
ii. CTS operations will be closed on such days when ALL the participating states in the Grid are
observing holidays, even though RTGS is working on such days.
iii. The president of the respective CTS location will notify the list of such uniform holidays well in
advance to enable the participating banks to put in place inward clearing processing
infrastructure at the grid location.
Non CTS-2010 Instruments may be presented in Express Cheque Clearing System (ECCS)
centres and MICR CPCs till such time the CPCs are in operation.
The data entered in FINACLE can be upto clearing files received in ECCS solution can
be uploaded in FINACLE, thereby reducing the efforts for data entry in the second
solution.
CENTRAL NATIONAL ARCHIVAL SYSTEM OF NPCI FOR ALL THE THREE CTS GRIDS
( CIRCULAR NO. HO/ITDNONCBS/14/2014)
Reserve Bank of India has implemented Cheque Truncation System across the country in
following three Grids:--
a. Northern Grid,
b. Southern Grid
c. Western Grid
Our Bank is participating in CTS clearing at all the three grids viz. Southern, Western and
Northern Grid.
In case of need for the old data / images (up to 10 years) of CTS clearing, branches can obtain
the same from National archival system of NPCI through their Grid service branches as per
procedure mentioned below:
1. Under grid-based CTS clearing, all cheques drawn on bank branches falling in the grid
jurisdiction are treated and cleared as local cheques on T+1 basis. As such the uniform holiday
arrangement will further enhance the customer service through faster realization of cheques
even on holidays in respective states.
2. Therefore RBI has put in place the uniform holiday arrangement at the three CTS locations as
under:
Customer can submit the request for issuance of personalized cheque book only at
his/her base branch.
The authorized official will ensure that the customer has written the compete postal
address i.e., House No./Shop No., Floor No. Street name, City, Tehsil, District with 6
digit PIN code number etc. in the requisition slip and will verify the same from address
on record. In case, the account holder wants the cheque book to be delivered at
address, other than the recorded with the bank, then address should be modified by
taking the accepted address proof, duly signed by the customer and verified by the bank
officials. In this regard, it is to be advised that while obtaining address proof other than
recorded address, KYC guidelines must be fulfilled and address should be modified in
CUMM details of the account holder at the time of uploading the requisition. All branches
are advised to invariably ensure correct and complete address of the customer along
with 6 Digit Numeric Pin Code (Not NULL OR 000000) in finacle before uploading
requests for personalized cheque books
Telephone number, mobile phone number and email id (if any) of the customer be also
mentioned along with address to facilitate expeditious delivery of cheque book through
Registered / Speed Post to customer. The branch will ensure that Cheque book facility
flag is not set to N while opening the account. The flag is to be set to Y.
The CTO will feed the requisition in the system immediately through Menu option
CBSCHQBK Function (A).
The cheque books issued by Printing & Stationery Deptt. are received back in large
numbers due to non observance of guidelines. Some of the instances/reasons pointed out
by Printing & Stationery Deptt. are:
Lack of complete postal address with correct PIN No. entered in the CUMM of the
customer in CBS.
Phone numbers/mobile numbers are not entered, which must be filled up in all cases
Incomplete title of account or Name with spelling mistakes are filled up in CBS
database. Accuracy must be ensured.
The branches must popularize these cheque books, due to its advantageous
features.
The request of the customers for personalized cheque book shall also be
entertained/accepted when received through internet.
The requisition slip available in existing cheque book with the customer can also be
used. In this case the following undertaking be obtained from the customer:
Branches should preferably issue personalized cheque book centrally, but if customer is in
urgent need of the same, branch should issue nonpersonalised cheque book across the
counter after ensuring that:
1) Cheque book is being issued to the a/c holder with proper KYC.
2) Every leaf of cheque book is branded with account number.
3) Details of cheque book are duly entered in the CBS system.
The cheque books not delivered by the Postal authorities due to any reason like
incomplete address etc. are returned to the respective branches . Branches should
immediately contact the customer and arrange for its delivery to him on proper
identification.
Branches to ensure that except in case of accounts opened under Mitra / PNB
Vidyarthi saving fund scheme all accounts opened be permitted to avail the facility of
Personalized Cheque Books .All Mitra/Student(PNB vidyarthi), on request, be issued
non personalized cheque books by the concerned branches keeping in view the
usage by the account holder. Branches should ensure adequate stock of non
personalized cheque books with them
ASBA is a facility available to the CASA account holders to invest in public/rights issue by
simply placing lien on the bid amount in their bank account. Subsequently on allotment, amount
equal to allotted shares is debited to the account of the investor and lien is vacated. In our bank
ASBA facility was made available to banks eligible CASA account holders from Nov, 2008. This
facility is available in Offline as well as Online mode. In offline mode it is available to banks
eligible CASA account holders from all the branches of our bank. Online mode it is available to
banks eligible retail as well as corporate IBS users.
ASBA process will be mandatory for all public issues opening on or after Jan. 01, 2016
Role of Circle Office In the ASBA process, the Circle Offices are required to:
- Enable branches in their Circle for ASBA.
- Create at least two users, one checker and one verifier, for each
branch in their respective circles.
- Provide user maintenance support to designated branches
Branch has to enter and verify Bid details from the ASBA form
submitted by the investor after verifying bank account details
and a/c holders signature
3.Nodal/Controllin The Capital Market Services Branch, Mumbai (CMSB) is the Controlling
g branch Branch (CB) for the ASBA process. The CMSB Mumbai shall act as a
coordinating branch for the Bank, its Designated Branches, SEBI, Registrar
to the Issue, Stock Exchanges and Merchant Bankers.CB shall also handle
user maintenance of user Ids for the Circle Offices. In addition to the above,
CB shall ensure that soft copy of the abridged prospectus of all the
forthcoming public issues are uploaded on the website of the Bank.
CB shall create the issue master in the ASBA module, preferably two days
before opening of the issue but invariably before the opening date of the
issue. Any revision in the issue by the Registrar like price band, issue closing
date etc. shall also be carried out in the issue master in the ASBA module
CB shall compile/consolidate the data uploaded by the DBs and shall ensure
that the same is reconciled on a daily basis with the data uploaded on the
site of the concerned stock exchange.
CB shall send information of all bids received by the bank to the registrar
The process for uploading the ASBA application for Right Issue on web
enabled interface provided by stock exchanges i.e. NSE/BSE will be the
same as in case of IPO/FPO.
The CB shall not upload any bid data in the electronic bidding system of the
CB shall, on daily basis, inform details of failure of lien and rejection of bid
data to DBs and COs through e- mail and shall handle the modified records
procedurally.
On receipt of allotment file from the registrar, CB shall update the status in
the ASBA module, ensure transfer of requisite funds to the issuers account
and u investors.
CB shall ensure that any information received from other agencies relating to
the issue is immediately communicated to the DBs
The CB shall ensure that physical application forms are received from the
designated branches and sent to the Registrar/Company as per the
instructions of the Regulator/Registrar/Company in this regard.
CB shall be fully responsible for the bids uploaded in the stock exchange
system. However, in case CB fails to upload any bid within the time specified
for such an investor category in an issue, the bids will stand rejected and the
money blocked in investors accounts should be unblocked by the CB and
status of that application be got updated in ASBA off-line tool.
Reconciliation Process
The Controlling Branch shall reconcile data on daily basis. Format of reports for the purpose are
listed under the heading - B. Reports for Nodal
PNB Online ASBA for ASBA-Online facility now being extended to all the eligible IBS users on
acceptance of the bank. As per SEBI guidelines, only CASA account holders can
online ASBA apply in IPO/FPO/Rights issue through ASBA and same criteria applies
applications. for being eligible to use ASBA-online facility also.
This facility can be availed by all the customers of the bank having
(Merchant Banking Internet Banking Transaction Facility enabled CASA account with any
Division Circular MBD branch of our bank, valid PAN no. and a Demat account with any
44/2015 dated depository/ depository participant. A link for ASBA-online has been
28-12-2015) provided on the Home page of www.pnbindia.in . website
BankingASBA (IBS), Investor has to login at
https://pnbnet.org.in/ASBAIBS OR through a link at PNB website:
www.pnbindia.in OR at PNB Internet Banking website :
www.netpnb.co
Procedure of ASBA-are given here under:
On the home page of banks
Online services OR click on Merchantg plac
bottom of the home page than click on ASBA
Scroll down the page and click on ASBA-online
Click on Retail IBS user
Click on User Registration
Fill in relevant details (all * marked col. are mandatory)
Check in the box confirming the terms and conditions
Click on submit
User for ASBA will be created
Enter bid details and check in the box for accepting terms and conditions
Click on submit Screen displaying all the details of the bids will appear If
any correction required, click on B to IBS
IBS login screen will appear-enter user Id and password and click on login
Issue details
Users can view issue details by selecting issue type and status from the
drop down box on screen
Application status
Withdrawal of application
Withdrawal of application
a) User registration
2. For Corporate On the home page of banks
IBS users Online services OR click on Merchant
bottom of the home page than click on ASBA
Scroll down the page and click on ASBA-online
Click on Corporate IBS user
Click on User Registration
Fill in relevant details (all * marked col. are mandatory)
Check in the box confirming the terms and conditions
Click on submit
Admin user will be created in INACTIVE state and following
message will be sent in the mail id of the corporate IBS user
Admin user created in Ina
Association (MOA), Articles of Association (AOA) and Board
Resolution to the base branch.
Select menu Create User and create user for applying in IPO/FPO
online through ASBA on behalf of the corporate IBS user
Applicants details, Pan no., Demat account details and bank account details
are self populated on screen
Enter bid details and check in the box for accepting terms and conditions
Click on submit Screen displaying all the details of the bids will appear
IBS login screen will appear-enter user Id and password and click on login
Users can view issue details by selecting issue type and status from
the drop down box on screen
f) A pplication status
g) Revise application
User can revise the bid by selecting issue id and entering application
Details of the original bid will be displayed on screen. After revising, click on
submit
If the revision is for higher bid amount and/or quantity, system will take the
user to IBS login screen for marking of lien on the additional amount but in
case of downward revision, the lien amount will not be revised
Admin user of the corporate IBS user registered in inactive state
is to be activated by the base branch after receipt of MOA, AOA
Help
and the board resolution from the client. Process for the same is
listed under 2.b) above.
Reports have been provided for the branches to view the corporate
user status in the ASBA module and take action accordingly.
CMSB Mumbai is the controlling branch for this activity.
Any problem/issue relating to ASBA-online may be referred to them
at pnbcapsmumbai@pnb.co.in or at asbaonline@pnb.co.in and may
also be sent at mbd@pnb.co.in .
HANDLING Under this arrangement, SM/SSMs will collect ASBA forms from investors, enter
ASBA FORMS the bid details at the stock exchange site and submit the forms to SCSBs for
RECEIVED marking of lien in investors bank account. The registrar will forward file
FROM containing details of such bids to SCSBs who will fill up four columns in the file
1. Take report of ASBA forms relating to your location code, separately for each
SM/SSM code from ASBA module and reconcile with the physical forms
received from SM/SSMs
2. Verify the bank account number and signatures of the investor
3. Check availability of required amount in the account
Process of SCSBs shall carry out further action for the ASBA forms such as signature
Handling verification, blocking of funds and forward the forms to the registrar to the issue.
ASBA forms The activities related to Syndicate ASBA at bank level will start after issue
received from closure day.
SM/SSMs by
Syndicate SMs/SSMs will receive the physical forms from investors and submit it to
Branches nearest Syndicate branch for further processing.
The Nodal Branch will upload the File received from Registrar to the Web Portal.
Syndicate branch users at designated syndicate centres will enter the
application no. for which physical form is available with them, they get the
screen showing detail of application and enter following values w.r.t. application:
Bank reference no. (Auto generated by the system)
Bank a/c no in which lien is to be marked.
Amount blocked.
SCSB remarks.
3.1 Nodal office, Mumbai, on DAY TO- DAY BASIS, to take up with RTA to
share the electronic bid file for the issues open and on receipt of the said file, in
turn shall share the same with the respective branches handling syndicate
ASBA.
3.2 Branches handling syndicate ASBA, in order to reduce the last day rush of
applications will handle the syndicate ASBA applications on DAILY BASIS.
3.3 The branches, as a proactive measure may contact with the syndicate
members, who have been submitting ASBA applications to them in the past for
submitting ASBA application to them on DAILY BASIS during the period issue is
open.
3.4 Nodal office should also taken up with RTA for timely sharing of revised bid
filed to ensure that entire work be executed within the stipulated time by SEBI.
1. The Bank offers its PNB Global Credit Card with VISA logo to individuals, Corporate
Credit Cards to employees/executives of the corporate and co-branded credit cards.
2. Bank is issuing EMV (Europay, Master Card & VISA) chip+ Magstripe credit cards
containing enhanced security features. All credit cards which have been used internationally at
least once have been replaced with EMV Chip card. All new cards as well as renewed cards are
being issued with EMV chip+ Magstripe
From 1st of July, 2013, Bank is issuing all new credit cards for domestic usage only unless
international use is specifically sought by the applicant by opting for the same on application. If
required option is not exercised, credit cards are being issued for domestic usage only.
The Card is accepted for payment at all Merchant Establishments having EDC (Electronic Data
Capturing Machines) like Shops, Restaurants, Railways, Airlines, Petrol Pumps, Hotels, Traders
etc. globally*, who accept VISA Card.
The Card is accepted for cash withdrawal at all ATMs of PNB.
The Card is accepted for cash withdrawal at all ATMs of other banks in India & abroad*, which
accept VISA Cards.
(* If credit card is enabled for international usage)
2. Gold & Classic Cards: While Classic cards are issued for credit
limits ranging from Rs.5000 to Rs.49,000, Gold cards are issued
with credit limit of Rs.50,000 and above.
Photo cards: The credit cards including add-on cards may be non-
photo or photo cards depending upon the choice of the applicant.
However, photo cards are issued to the customers who specifically
apply for the same.
Additional Benefits: 1. Reward Points: One reward point valuing Rs. 0.50 (Fifty Paise) for
every spend of Rs.100 is given on individual cards. Reward points are
not available in case of spend for fuel expenses, for Cash withdrawals,
for corporate cards and debits due to charges / fees on card.
6. Interest free credit period: Free credit period for minimum 20 days
Balance Transfer Facility: Cardholder can get the facility to transfer the
balance from any other banks credit card to PNB global credit card under
EMI scheme with repayment period of 6 months.
Balance Transfer Cardholder can get the facility to transfer the balance from any other banks
Facility credit card to PNB global credit card under EMI scheme with repayment
period of 6 months.
Eligible Amount :
Minimum : Rs.2000/-
Documents required
The terms and conditions which form a part of the Scheme for
Balance Transfer have been included in the format for Request
for balance Transfer Facility
A duly filled in form, complete in all respects along with the documents as
detailed above is to be sent to Punjab National Bank, Credit Card
Processing Centre 11th floor, Atma Ram House, 1, Tolstoy Marg, New
Delhi 110001.(Cir CCD 4/2016) for further processing to avail Balance
Transfer facility.
EMI Plan for Retail PNBs Credit Card holder on making purchases such as a buying a new TV or
Purchases a computer; or shop for Jewellery or paying for their vacations or any
emergency hospital bills can plan their repayment options through EMI Plan
formulated for PNBs Credit Card holders
Eligibility
(i) The EMI plan can be availed off only by Primary Card holder. This facility is
not available to add-on-cardholders.
(ii) Only transactions in respect of goods purchased at a merchant outlet
through EDC machine or any e-commerce transaction through internet are
eligible for the EMI plan.
Other debit transactions including cash withdrawals etc. will not be eligible.
(iii) Over limit, overdue or delinquent credit cards will not eligible.
(iv) Request for conversion to EMI Plan should be made within a period 10
days from the transaction date.
(v) The cardholder can avail this facility once in each billing cycle up to
maximum eligible amount.
Eligible Amount:
Repayment Plan: The Repayment period under EMI plan is 6 months Only.
A cardholder desirous of availing the facility under EMI Scheme can approach
for conversion of purchases through any of the following available options: -
PNB Branches to
issue PNB Global Credit Card Applications will be sourced by all the branches located in
Credit Cards Urban/Semi Urban Centers.
(CCD Circular For issuance of Credit Card at Rural Branches, Circle Heads may send
No.3/2014 17th specific recommendation to Credit Card Division HO (based on potential
available/High Net worth Individuals) for approval.
January, 2014)
Application forms There are following application forms for public, staff & Corporate.
1. PNB 1151 Credit Card Application form for Public including ex-staff
members.
All application forms are having printed serial no. having A, E or C as prefix in
for Public (including ex-staff), Staff & Corporate respectively.
7) PAN Card: The applicant should have PAN card or should submit the
application with Form 60/61 (with Photo ID).
Documents to be 1. The applicant should have PAN card or should submit the application with
submitted self attested copy of Form 60/61 (with Photo ID).
2. Income Proof i.e. copy of Form 16/Income Tax Return or Salary
Certificate.
3. Residence Proof: Ration card, Telephone Bill*, Electricity Bill*, Bank
Account Statement*, credit card statement *(Not more than three month
old). Letter from recognized public , Authority (to satisfaction of Bank),
Letter from the employer ( subject to the satisfaction of the bank),
Income/Wealth Tax Assessment Order, Letter from any recognized public
authority having proper and verifiable record of issuance of such
certificates, Voter ID Card (only if it contains the current address), Pension
Payment Orders issued to retired employees by Government
Departments/Public Sector Undertakings, if they contain current address.,
Copies of Registered Lease & License agreement/Sale Deed/Lease
Agreement, Latest telephone bills from any telephone service providers
and mobile service providers not more than 2 month old, postpaid,
Consumer gas connection card/book/Pipe gas bill, Certificate from
ward/equivalent rank officer, maintaining election roll certifying address of
the applicant, Post Office Savings Pass Book, Domicile Certificate with
communication address and photograph, Certificate by Village Extension
Officer (VEO) / Village Head or equal or higher rank officer. Branch to
confirm the authenticity of the certificate and that it has been issued by the
person who is holding the said office, Court divorce order Marriage
annulment order issued by Court, In respect of Gazetted officials of
Central/State Governments and senior management & above of Public
Sector undertakings, branch Heads may verify the photo/identity and
confirm residential address of such officials from independently verifiable
sources, to their satisfaction, Copies of Registered Lease & License
agreement/Sale Deed/Lease Agreement. (CCD 1/2013 dt 11.02.2013)
4. Identity Proof: Passport, Voters Identity Card, PAN Card, Driving
License, The letter issued by UIDAI containing details of name, address
and Aadhaar number , Identity Card (subject to the Banks satisfaction).
Letter from recognized public authority or public servant verifying identity
and residence of the customer ( to the satisfaction of the Bank)., Married
woman identity proof with maiden name, if supported with a verified true
copy of marriage certificate , Credit card with photo together with
statement of such card, not more than three months old, Registered
Property document with photo identity , Arms License issued by State /
Central Government of India, Freedom fighters pass issued by Ministry of
Home Affairs , Employee State Insurance Card (ESIC) with photograph
supported by latest months pay slip , Talati / Patwari (a local govt. official)
attestation by way of putting rubber stamp and signature. Gram Sarpanch
/ Mukhiya attestation by way of putting rubber stamp and signature. (CCD
1/2013 dt 11.02.2013)
5. Passport size photographs of the Applicant are to be affixed at the space
provided in the application. Applicant has to put his signatures across the
1. Application form
2. Residence Proof: KYC documents as per CCD Circular no 1/2013
Branch Official, not below the rank of Manager, will check and
verify the application for its completeness, i.e. all columns in the
application form have been filled in and all requisite documents
and papers for completion of KYC norms and PAN card have been
attached to. It is necessary that no column is left blank for data
entry at CCPC and for the purpose of security checks.
Age: Any relaxation beyond 65 years of age may be considered for important
customers under exceptional cases recommended by the Branch
Managers. Applications of such customers should be sent to Credit Card
Division
Staff members: No joining or annual fee and Add-on card charges are to be
charged.
Finance Charges and other fees: As per Annexure 2.
Features
(i) Free Credit Period: 20-50 days for retail purchases depending on
billing cycle & date of transaction.
(iii) Add-on Credit Card: Facility of two add-on credit cards available.
(vi) Refund of fuel Surcharge: Fuel surcharge for single purchase of fuel
for Rs.500 or more but less than Rs.4000 from any petrol pump in India
shall be refunded.
(vii) Reward Points: Two reward point (one reward point = Re.0.50) for
every spend of Rs.150 is given on individual cards. Reward points are not
available in case of spend for fuel expenses, for cash withdrawals, for
corporate cards and debits due to charges / fees on card.
(ix) Lost Card Liability: Upto Rs.50,000/-after reporting of the loss of card
2 Medical Assistance
a) Disease outbreak, vaccinations etc.
b) Medical Transportation/ evacuation/ Repatriation Assistance
c) Wellness Solutions: SPA, Salon, Health Club.
d) Alternate Therapies: Yoga, Naturopathy, Meditation, Aromatherapy.
3. Travel Assistance
a) Weather & exchange rate information
b) Coordination with embassies & consulates to provide addresses &
telephone nos.
c) Car rental Services
These services shall be provided on the basis of our agreement with service
provider.
9..ECS
10.Standing Instructions
11. Visa money Transfer Facility
Common 1. No column should be left blank. If applicant has nothing to report/inform,
discrepancies (s) he should write Not Applicable.
observed in Credit 2. Mothers name before her marriage at Col. No. 5 is every essential for
card application(CCD security reasons. It is generally left blank by the applicant. The same
Cir no 11/2014 dated be got invariably filled.
12.09.2014) 3. Column number 15 pertaining to name of organization /employer is
mostly left blank.
4. Details about bank account(s) of the applicant are not incorporated in
the application
5. Photograph of the applicant is not attested by the applicant/bank official.
6. Important aspects like age and qualification of the applicant are not
taken care of. As per rules credit card is issued to an applicant who is
th
in the age group of 21-65 years and is 10 standard passed.
7. Important documents viz. copy of Income proof, PAN Card and address
proof are not attached. If attached are not attested by branch.
8. Instead of sending ITR for latest assessment year, ITRs for the old
assessment years or salary slips (which should not be older than 3
months) for old period is sent with the application.
9. Copy of income proof, address proof and PAN Card are not attested by
authorized officials of the branch under full signatures with GBPA
number.
10. Annexure 26 in terms of CCD Circular number 3/2014 is either not
enclosed with the credit card application or is not signed by authorized
officials of the branch.
11. In case of non-customers, statement of account of the applicant for the
last 6 months is not submitted with Credit Card application.
12. As far as practicable, application should be filled in by bank staff and
while filling the concerned staff should interact with the applicant to be
capable of answering question on Annexure 26. It can be downloaded
with credit card application form from our site www.pnbcard.in
Eligibility criteria:
1. Any Individual having a Term Deposit with PNB in his name either
singly or jointly with a family member, for a minimum amount of
Rs.12000/-.
2. The scheme is applicable to all term deposit schemes except the
Add-On Cards: Two Add-on cards for family members (Spouse / Mother /
Father / Major Son / Daughter/ Brother/ Sister).
Documentation: Documents to be obtained from applicant along with credit
card application form PNB1151
a. Copy of PAN Card or Form 60/61 with ID proof.
b. Deposit receipt duly discharged by the applicant.
c. Undertakings
9. Procedure to be followed by the branch office: On submission of the
documents, branch to perform the following activities.
a. KYC Compliance: Branch is to ensure that the account is KYC
compliant.
b. For creating charge on Term deposit: Branch will obtain the following
documents
Letter of Undertaking
Auto Renewal Option for renewal of Fixed deposit
c. The term deposit receipt & documents, as given in para b above, shall
be retained and kept in safe custody at the respective Branch Office.
Branch will mark lien in the deposit account and will also register lien
on the deposit receipt.
Request of the customer can also be sent through fax (Fax no.0120
2580537) to Credit Card Processing Centre and original request letter
be dispatched to Chief Manager, Credit Card Processing Centre, A-37,
Sector 60, NOIDA.
Credit Card Division will get the card blocked immediately, so that no
i. Scoring Model: As the credit card would be fully secured against the
Term Deposit, the credit cards under this scheme will be exempted
from any risk scoring model.
Documents to be obtained:
The Credit Cards to the Housing Loan customers will be offered in the
Pre-approved card limits for various income ranges under classic cards for
Public will be issued:
Rs. Over Rs. Over. Rs.
Income Range Over Rs.
100000 125000 150000
(In Rupees) 200000
to125000 to 150000 to 200000
Card credit
Limit 10000 15000 20000 25000
(In Rupees)
PIN mailer will be sent to the Card Holder through Registered post only.
Staff cases: In case of staff the card holder limit and Classic/Gold will be
issued as per scheme for issuing credit card to staff.
Pre-approved Credit Cadre/ Limit on the Card in Rs. Add-on cards
Card limits for Staff Designation
Members
Staff Staff (Retired
(CREDIT CARD
(in service) Pensioners)
DIVISION CIRCULAR
NO. 6/2015) Subordinate Staff 10000 NIL NIL
Clerical 50000 15000 Two
Officers JMG I 1,00,000 35,000 Two
MMG II & III 1,50,000 50,000 Two
SMG IV & V 3,50,000 1,00,000 Two
TEG VI 5,00,000 1,50,000 Two
TEG VII 5,00,000 1,50,000 Two
CMD / ED 7,00,000 2,50,000 Two
CMD /MD/CEO 7,00,000 2,50,000 Two
1. Cash withdrawal limit shall be @20% of respective credit limit.
2.To issue/ renew credit cards in Platinum category to all officers in scale III
and above.
3.Option may be given to staff/ ex-staff, if he/she so desires, to get the limit
fixed as a member of public on the basis of their salary/ pension and other
income.
Gold credit cards will be given to officers and classic credit cards will be
issued to the employees in clerical and sub-staff cadre.
Credit card to Ex-Staff members: The staff members who have been issued
PNB Global Credit Card will be permitted to continue such credit card with
same credit limit even after superannuation until expiry of the card issued to
them.
Eligibility-
S.No Particulars
Credit cards with Pre-assigned credit limit linked to net salary: Rs. 6000/-
to Rs. 40000/-p.m. The Salary Range wise Limit would be as under:
Net Salary Credited to Card Credit Limit
Account
PNB Corporate Credit Definition: Corporate will include Public Ltd. Companies, Pvt. Limited
card companies, PSUs, , Registered societies/ Institutions/Trusts/ Association,
Partnership concerns etc. . Corporate will not include proprietary business
1. Corporate Identity: By giving the name of the corporate, below the name
of the individual cardholder, as fourth line embossing.
5. Improved Cash Float:. Corporate/Card holder are billed once every month
which helps in improving the cash flow of corporate
Corporate Credit Card This will be issued to the executives recommended by the corporate for
with Individual liability meeting expenses on behalf of the corporate. Card will have name of the
(CCIL) executive as well as name of the company engraved on it. There is no
joining or renewal fee. The executives in whose name card is issued will
be liable personally to the bank for repayment. But in case of failure, the
corporate will be responsible for recovery thereof. The Card limits are as
under:
1. The card will be issued to the executives recommended by the Corporate.
2. Card will have name of the executive as well as name of the company
engraved on it.
3. There is no joining or renewal fee.
4. The executives in whose name card is issued will be liable personally to
the bank for repayment.
5. Copy of the monthly statement is also sent to the Corporate, so as to
pursue the individual cardholder for timely payment of monthly dues.
Eligibilty:
.The individuals in whose name card is issued, must be at least 10th pass
and between 21-65 years
The income criteria is as per that defined for individuals
Exceptional cases:
Documentation
1. Proof of residence.
2. Proof of Income.
3. ID Proof.
Features:
Eligibility Criteria:
a. Any existing customers of the bank under the category of Corporate are
eligible. Proprietorship firms are not included in this category. These credit
cards can be issued to the Directors, Executives, Partners Trustees, and
Employees etc of such Corporate.
b. Corporate should be
i. profit generating organizations at least for the two previous years
Or
ii. Should have minimum credit rating of B as given by an Internal (IRB
assessment) or corresponding rating by an External Authorized Credit
Rating Agency.
c. The persons named by the corporate, for issue of corporate credit card,
should qualify the following criteria:-
i. Literate i.e.: must be able to read, write and put his signature.
ii. Age: Minimum 21upto 65 years of Age. This can be relaxed on
request of the corporate and this should be duly recommended by
Incumbent In-charge of the branch
Joining & Renewal Fees And Annual Charges: In case of Corporate Credit
Cards with Corporate liability Joining and annual fees is payable by the
Corporate. The fees will be as per negotiation with the Corporate subject to
minimum and maximum criteria as set hereunder:-
Joining fees: First Year: NIL Annual fees (2nd Year onwards): Negotiable
(Minimum Rs.NIL & Maximum Rs.750/- per card)
Renewal Fees: Minimum NIL & Maximum Rs.1000/ per card Negotiable
Note: Renewal fees as given here above will be levied at the time of renewal
of limit. Whenever, Renewal fees are charged, annual fees will not be
charged. The renewal of Corporate Credit Card Limit will have to be done
prior to expiry of corporate credit cards of the corporate.
Overall credit limit shall not exceed 15% of average operating expenses
of the previous three years, however where corporate is less than three
years old , average operating expenses for last two years as per financial
statements of the corporate may be considered.
Corporate will be given maximum limit of Rs. 50 Lacs within which sub
Per Card Credit Card Limit: The Credit Card limit (per employee/executive)
for the individual card holder within the overall Corporate Credit Card limit
is as under:-
1) Audited Balance Sheet and Profit and Loss statement for last three years.
2) Copy of Corporate PAN Card/duly attested by the Corporate and verified
by Branch Official.
3) Copy of Partnership Deed/ Trust Deed/ Bye-Laws of society/Bye-Laws of
association/ Memorandum and Article of Association in case of Companies
as applicable
4) Resolution: Resolution from Managing Committee of Trust/ Society/
Association/ and Board Resolution in case of Companies/ An unconditional
letter of Authority signed by all Partners in the case of Partnership firms to
the following effect:-
a). Authorizing the corporate to apply and avail Corporate Credit Card
Limit specifying the Corporate Credit card Limit and
ii. The applications, complete in all respect along with the requisite
documents i.e. address proof as above, PAN Card copy and copy of
income proof, received from their permanent/regular executives/
employees will be forwarded to Branch Office where the Corporate/
institution is maintaining its account.
To leverage the advantage of RFID technology and to remain ahead from our Peers, our bank
has launched first of its kind Wave n Pay Global Platinum Credit Cards with the august hands
of our MD & CEO on 21.01.2017. This is one of the first variants in the series of PNBs
contactless Credit Cards. Banks is soon going to release contactless credit cards in other
variants also.
Wave n Pay credit card will be having following additional features apart from regular features
of a Platinum credit card:-
Purchase transactions made through the contactless card is almost twice as fast as
conventional credit card purchases because no signature or PIN verification is required.
A special chip is embedded in the card with Contactless logo in the card.
Cardholder has just to wave the card near the machine for a bill value not exceeding
Rs.2000/- at a time without putting any PIN/signature.
For bill value more than Rs.2000/-, contactless card required to be swiped or dipped
through the machine or PIN is required as usual in terms of RBI guidelines.
Contactless transactions maximum limit per day Rs.6000/- for any number of
transactions.
Charge slip will be optional for transactions upto or below Rs.2000/- . For transactions
above Rs.2000/- charge slip will be issued as per RBI guidelines.
The contactless card is having the same security level as available in our all the existing
variants of PNB Global credit card.
The contactless credit card can be used as regular cards at all Visa enabled merchant
terminals, even those which are not enabled for contactless transactions.
Other guidelines with regards to issuance of Platinum credit cards, Schedule of fees and
charges and other Features as per CCD circular no. 06/2016 will continue to be in vogue.
Eligibility
Indian Nationals desirous of visiting abroad (except Nepal and Bhutan) for any purpose
as permitted by RBI (against payment of rupee or to the debit their EEFC/RFC account).
Foreign Nationals while on visit to India (against FOREX brought in India & or in INR
balance supported by encashment certificate).
NRIs against surrender of FOREX / to the debit of their NRE / FCNR account.
Currency of Issue
WTCs are available in three currencies i.e. USD, GBP & EUR.
The Cards will be printed with expiry date in mm/ yy format and the expiry will be 5 years
from the month of printing.
Documents required
Application form
Copy of valid passport
Copy of VISA
latest photograph of the customer and
Form A- 2 if currency sold exceeds USD25000 or equivalent
The Cards will be issued by all the branches authorized to deal in foreign Exchange and
branches specially authorized to issue World Travel Card.
The cards will be delivered to the customers in pre-activated stage along with ATM PIN, a
welcome letter giving details of charges and printed pamphlet containing the detailed terms &
conditions in an attractive kit. As the Cards will be linked to zero balance accounts till these are
issued to customers, there will be no risk in keeping the inventory in pre-activated stage.
Cash withdrawal limit per transaction on ATM will be as per the limit set up by the concerned
ATM provider of the country of visit with a maximum of USD 1000/Euro 800/GBP 500 per day.
No maximum ceiling for use of the card at merchant establishments has been prescribed.
Demand for fresh stock of cards, authorized branches may place their requirement through
SPSD only. In case of any problem/delay regarding supply of cards, branch may communicate
to Digital Banking Division (DBD) HO, through e-mail ID tbddc3@pnb.co.in /
tbddc6@pnb.co.in /debitcard@pnb.co.in.
Fresh stock of cards (inventory) and PIN (earlier PIN was the part of the kit), cards are
required to be activated through the nodal branch of WTC i.e. International Service Branch
(D.No.-4553). The request may be forwarded to BO ISB to their e-mail ID
isb_vostro@pnb.co.in.
In case of a complaint for decline/ non- working of WTC at POS or ATM, branch may take
up the issue with ITD by lodging a complaint through SPSD and to fix the problem and resolve
the issue, a mail be sent to atmswitch@pnb.co.in.
The request for DUPLICATE PIN may be forwarded to HO DBD through SPSD or by dropping a
mail on debitcard@pnb.co.in. The PIN will be sent to the branch where request has been
made and will be subsequently delivered to the customer.
Balance enquiry.
Statement of Account.
PIN change
There will be no minimum amount for Card to be issued. However the maximum amount will be
linked with the purpose of visit as permitted by RBI.
Purpose Visit
Private visit to any country except Nepal & USD 10000 per calendar year
Bhutan
Business Travel USD 25000 per trip
Immigration to meet incidental expenses USD 100000 or the amount prescribed by
country of immigration
Employment abroad USD 100000 or equivalent
Medical Treatment USD 100000 or equivalent
Studies Abroad USD 100000 per academic year or estimate
from the institution abroad whichever is
higher
For attending conference USD 25000 or equivalent
While issuing/ reloading of WTC, branches should take proper care towards selection of
purpose code prescribed by RBI, for release of Forex to Resident Indians visiting abroad
Branches should strictly adhere to the limits for release of Forex, prescribed by RBI.
Amount of Forex should be determined by the purpose of visit for Resident Indians going
abroad as stipulated under FEMA regulations.
As per Income tax guidelines, copy of PAN card should be obtained in case of foreign
exchange transactions exceeding Rs.25000
Branches should ensure that expected date of journey should not be beyond 60 days
from the date of loading.
The signature on the application form must tally with that of passport.
INSURANCE CLAIM
Insurance cover is available against loss & subsequent misuse of the card. Maximum coverage
is equivalent to USD 5,000 per card (Presently Rs. 3,30,000). Insurance cover is available for a
period of 24 hours before and 24 hours after the loss/ theft if the Information of loss/ theft is
given to the Banks customer care centre, at 1800 180 2222 (toll free) (accessible from MTNL
and BSNL fixed lines in India only) or at 0091-120-2490000 from world-wide or to the card
issuing branch.
Documents required for settlement of insurance claim are:
(1) Claim form
(2) Copy of application form submitted to branch for purchase of card
(3) Copy of FIR (depending upon the circumstances of loss & possibility of lodgment of
FIR)
(4) An affidavit from the card holder regarding non-involvement in the disputed
transactions.
(5) Proof of hot listing
The Non-Resident Indians staying abroad remit foreign exchange to their relatives in India
using different money transfer modes. One such mode is remittances under RBIs Money
Transfer Service Scheme (MTSS) through various overseas Money Transfer Organizations
(MTOs). These MTOs operate in India under specific approval of RBI through Indian agents
who in turn appoint sub-agents. MTSS is one of the quick and easy way of transferring
personal remittances from abroad to beneficiaries in India.
2.3 Under MTSS remitters and the beneficiaries are individuals only.
2.4 A cap of USD 2500 has been placed on individual remittance (single transaction)
under the scheme.
a. Amounts up to Rs.50, 000/- may be paid in cash to a beneficiary in India. Any
amount exceeding this limit shall be credited directly to the beneficiary's bank
account or paid by means of demand draft/ payment order etc.
b. However, in exceptional circumstances i.e. where the beneficiary is a foreign
tourist, higher amounts may be disbursed in cash on production of valid visa and
passport. Full details of such transactions should be kept on record for scrutiny by
the auditors/inspectors.
2.5 Since March 2014 RBI has allowed credit of inward remittances received by the Bank
acting as Indian Agent under MTSS to directly credit beneficiarys account which are
KYC compliant through electronic mode such as NEFT, IMPS etc.
1) The KYC documents along with the Request Form must be properly preserved for at
least five years from the date of transaction.
The arrangement specific To Receive Money form shall be provided by the branch
to the beneficiary.
The branch must strictly Identify the beneficiary on the basis of address / identity
Proof & remittance Tracker Id number before making the payment.
On receipt of the Request Form, duly filled in by the beneficiary along with
identification /address documents, branch official would enter the request through
MTSS menu of Finacle system under option R (Request), with appropriate
Service Provider Code (mentioned in the table) and other relevant details viz track
ID No, amount of remittance, beneficiary / senders details (informed by the
beneficiary on Request Form), Identity document type & number, date of birth,
relationship with remitter etc.
The particulars entered shall be verified by another official of the branch under
option V (verification) of MTSS menu, the transaction is automatically forwarded to
the Nodal Branch.
Nodal Branch matches the particulars entered by the branch in finacle with the
particulars available in the website/server of the concerned MTO.
If the particulars entered by the branch match with the particulars available in the
website of the concerned MTO, the nodal branch blocks the transactions in the
website of the respective MTOs and authorize the transaction in the CBS.
If the particulars do not match, transaction shall be declined by the nodal branch.
Branches can view the status of each transaction by using I (inquiry) option in
MTSS menu by giving the track id number in the prescribed field.
After ensuring that the transaction is authorized by the nodal office and status is
shown as Authorized in MTSS, the branch will make payment of the
REMITTED AMOUNT to the beneficiary, to the debit of appropriate Suspense
Head as mentioned in the table at Sr. No. 3 and thereafter, mark the transaction as
paid using P option in MTSS menu.
In case of declined / rejected transactions, Remarks field shows reasons for decline
of transactions.
In case the request is not processed by the Nodal Branch within a reasonable time
(say 10-15 minutes), the branch may contact MTSS help desk.
Based on the information of total payments of previous day, the Nodal branch shall
afford credit on next working day to the respective paying branches by crediting
Sundry Non-Customer Account <SOLID>3171160 of the branches giving related
details, to the debit of current account of the Service Provider.
The paying branches, on receipt of credit from Nodal Branch, will reverse
their Suspense entries.
The concerned Branches as also Nodal Office will invariably ensure that no
Suspense Entry should remain outstanding beyond one day against MTSS
payments.
8.1 Indian Agent shall maintain account with Nodal Branch with a minimum balance
equivalent to three days payments on moving average basis. Nodal Branch shall keep
watch on funds position on day to day basis.
8.2 Based on the information of total payments for the day, the Nodal branch shall afford
credit at the end of the day / next working day to the paying branches by crediting their
sundry non-customer Account <SOLID>3171160 giving related details to the debit of
current account of the Service Provider.
8.3 The paying branches, on receipt of credit from Nodal Branch, will reverse their Suspense
entries. In case of non-receipt of reimbursement of any payment, the branch shall
immediately report to the Nodal Branch for necessary action. The concerned branches
as also Nodal Branch will invariably ensure that no suspense entry should remain
outstanding beyond one day against MTSS payments.
8.4 Commission payable to the Bank will be recovered from the Service Provider by the
Nodal Branch on monthly basis and reimbursed to the paying branches by crediting
respective branch Income Commission on MTSS head (<solid>2051304).
CMS portal can be accessed in Non CBS Applications >DBD > CMS
CMS is a value-added service provided to corporate customers of the Bank for collection and
payment solutions with customized & enriched MIS.
CMS is relevant for corporate customers having dealership/branch network spread across
country from where they have to receive regular collections by way of Cash/Local & Outstation
Cheques/Debit Mandates. CMS facilitates the customer in managing the funds so collected by
the branches at respective dealer locations, in an efficient & effective manner.
1. For centers where RCC/ Back office is established all the branches should accept
the CMS instruments (Transfer and Clearing) and give proper receipt to the customers.
These instruments tendered by the customers through CMS deposit slip will be simply
sent to the RCC/ Back office in a separate envelope specifically marked CMS for
identification along with regular cheques.
2. In RCC/ Back offices, a separate CMS cell to be created by identifying dedicated staff
(depending upon the volume of CMS business of that center).
3. On receipt of cheques (clearing and transfer), the CMS cell of the respective RCC/
back offices will make the entries in CMS software and follow the requisite procedure of
downloading the data file so created for uploading the same from CMS to Finacle. The
instruments will then be lodged in local clearing in CMS Collection account (<Sol-
ID>CM0000000s) specifically opened for CMS operations. The details for opening of
CMS Collection account are as under:
Cust-ID: AFC007148
Name of account: CMS Collection Account
Account Number: xxxx00CM0000000S (a/c number will not be system-
generated and is to be entered by branch)
Mode of operation: Self
3. The destination branch will lodge the instruments under local clearing in Originating
branchs CMS UCC Collection account. The destination branch may download the
clearing data file from CMS by way of Forwarding Schedule Number.
4. The originating branch will regularly monitor its CMS UCC Collection account for any
credit entries and will ensure that realization/return status of instruments lodged therein
has been marked in CMS system.
1. The major business under this category will be on account of the business generated
by Corresponding Banking Arrangement signed with other banks desirous getting their
PDC collected through our network. The centers allocated for handling UCC Business
are also authorized to handle PDC business.
1. Payment Module of CMS has been designed with an aim to provide a customized
solution to cater to various needs and requirements of the corporate clients. Looking
beyond the traditional banking, Payment Module of CMS meets the corporates
wholesale payment requirements such as statutory payments, payments to the
vendors/suppliers, banking requirements, inter branch transfers, disbursal of incentives,
bulk printing of Cheques/Demand Drafts on a Centralized Payment System.
2. The facility has been designed specifically for the large corporate clients who may
give bulk business to the bank and also for other banks that may enter into
Corresponding Banking Arrangement with our Bank.
3. On the line of UCC/PDC the selected centers allocated for UCC/PDC business are
authorized for Payment solutions.
Branches will send the proposals to their Circle offices along with the required
information & Cost Benefit Analysis.
In case of LCC/UCC Module (other than cash transactions, PDC & Payment
Module), Circle Heads will approve the proposal if the difference from card rate is
within Circle Heads power & send directly to the Incharge of CMS HUB.
In all other cases, Circle Head will send these proposals to Transaction Banking
Division: HO, New Delhi.
On receipt of sanction, CMS HUB will do the requisite customization in system &
issue instructions to the branches.
G. Service Charges
The service charges for different modules of CMS are given below
For LCC Module:
(Charges in paisa/per Rs. 1000)
Metro 06 15 25
Metro 30 35 40
Urban 40 45 60
Semi Urban 60 80 100
Rural 90 120 150
Above charges are for credit on the actual realization basis. Minimum charges per instrument
Rs. 15/-.
For PDC Module: In addition to UCC/LCC charges as applicable, Rs.10/- per instrument per
quarter is to be recovered. Instruments can be received with maximum period of one year.
Payment Module : Charges and other terms & conditions for payment module will be decided
based on type of services required and quantum of business, process involved and MIS
required at HO Level only.
Other Guidelines: Instrument pick up charges will be based on case to case basis / as per
charges of courier service.
Charges if paid prior to above proposed days of credit: If party desires immediate credit
or prior to the dates as proposed above, the interest @BR + 6.5% will be added or if they are
availing credit facility (working capital) with our Bank, then @ Rate of Intt. Being charged on
the account plus 1.00% for the days for which the credit has been given in advance.
Returning Charges: Returning Charges will continue to be Rs.120/- per instrument in case of
LCC and in case of UCC Rs.50/- + interest for the period bank remain out of fund @ as
proposed above.
For the purpose of Accounting & Reconciliation of Bank Transactions, the customers take
details from the Bank in the shape of statements of accounts, e-statements, IBS services and
so. Large Business houses with huge inward remittance transactions/collection find it difficult to
re-concile their transactions since the above statements offer limited details and many a times
marking of transactions to their particular customers becomes difficult. To take care of above
situations, bank has already provided & is offering a value added product to such customers,
which is e-CMS a system of inward NEFT/ RTGS with complete MIS through virtual accounts.
This is the facility to provide detailed MIS to our corporate customers on collection/payment in/
from their accounts through Inward NEFT/ RTGS.
4 Process flow:
4.1 Customer is allotted 8 Digit customer code (Alphanumeric) and the collection account is
mapped to this 8 Digit customer code.
4.2 Other details like IFS Code, Beneficiary Name remains the same.
4.3 Remitter uses the 8 Digit customer code suffixed with additional information like
Dealer/Remitter code, tender code or any other details as the beneficiarys Virtual account
number. E.g. ABCD Ltd is allotted Virtual Code as ABCDLMTD. If their Remitter No. is123456,
5.0 Benefits:
It is a value-added product designed to meet the MIS requirement of Corporate Customers on
inward RTGS/ NEFT transactions in their accounts. With the help of this MIS, the customers can
schedule delivery of their products/ services and manage the funds received at their end in a
better way. It also helps them in reconciliation of transactions received in their account.
7. Service Charges:
7.1 Rs.5/- per transaction.
7.2 Recommendations for concessions, if any, should be sent along with cost benefit analysis,
on the basis of the average float to be maintained by the client, annual turnover of collection and
number of transactions to be handled and detail other business relationships of the customer.
7.3 The commission so earned will be credited to the Income Head-Incom-Commissions on
RTGS [2031602] and Income Head- Incom-Commission on NEFT [2031603] by the nodal
branch.
The proposals for E-CMS facility will be sent through concerned Circle Office, duly sanctioned
by Circle Head/ Field General Manager, to Digital Banking Division, Head Office: 5, Sansad
Marg, New Delhi-01, for customizing the facility in system. The Performa for proposal is given at
Annexure-II.
For any query regarding E-CMS facility, branches may contact CMS HUB at 011-28757335/
28757342/ 28757343; Fax-011-28754908 email: cms2@pnb.co.in / cmshub@pnb.co.in.
A branch level link is available on CBS home page itself and at BC locations it can be accessed
through internet via web link https://auapnb.co.in:8443/PNBWEB.
The Account Opening Form (AOF) has been customized in e-KYC solution. At the time of e-
KYC, customers Aadhaar Number is entered, followed by authorization with his/her Biometric
from UIDAI. The uneditable data along with photo from UIDAI gets populated in the AOF. BCA,
in case of account being opened at BC location and branch official, in case of account being
opened in the branch, will fill up the remaining fields of AOF as per customers mandate and
save the details. The AOF print out thereof will be taken and the signature of the customer will
be obtained. A reference number shall be generated by the system which shall be given to the
customer. The account opening forms, in respect of the accounts opened during the day at BC
will be submitted to the respective branch in the evening or latest by the next working day in the
morning.
The accounts opened during the day with full details (AOF) will be pushed to CBS through
scheduler after the centralized day end. Next day the data stored for account opening, in
respect of the reference generated at branch as well as at BC location attached to the branch,
will be accessed, by the bank official of the respective branch using the report Dayrpt->1/21a
and same will be uploaded in CBS using the menu option ekyc. Account will be opened in
CBS.
For the accounts that are opened from BC locations, base branch is to ensure that Aadhaar
Number is seeded to the account opened so as to enable the customers to have Aadhaar
Enabled Payment System (AEPS) enabled operative accounts. No further verification/document
is required for opening of account and seeding of Aadhaar Number as the complete record of
customer Biometric authentication is done through eKYC. Further for such accounts, the
specimen signature will be obtained by the bank official during his visit to the BC location on the
prefixed day during the week. The account opening form will be attested by the bank official as
per extant guidelines
All field functionaries are therefore requested to ensure opening bank accounts through e-KYC
facility, wherever customer Aadhaar is available and the biometrics need not be captured.
However, the AOF Printout after completing the remaining fields of the AOF as per customers
mandate be got signed/ thumb impressed, as per stipulated bank guidelines for banks record.
Salient Features
Through this module, funds may be collected on behalf of educational institutes and
corporate, across all PNB branches by any conventional mode, viz., Cash, Transfer,
Clearing.
The product may be customized to provide MIS reports as per requirement of respective
customers. It is also convenient for branch users to capture MIS details in appropriate
fields, hence ensuring correctness of data and avoiding reconciliation hassles.
Client database may also be maintained in Finacle. Accordingly, on entry of a Unique
Reference No., all related payment/ remitter details are populated in the remaining fields.
The branch user has to just validate the details from the Deposit Challan.
Process Flow
The remitter may deposit funds at any PNB branch using a customized deposit Challan.
The customer willing to avail FCM facility may devise its deposit challan in coordination
with the Circle/Branch marketing team and make the same available to its
remitters/dealers etc.
The branch will capture details of payment received, in the system using FCMBR menu
option instead of TM / OCTM. The transactions so created will have to be verified using
FCMBR menu option only.
If Upload feature of FCM has been desired by the client for auto-populating all the details
on the basis of a Unique Ref. No, the client will provide the upload file to nodal branch. A
tool has been developed for creation of upload file by customer/circle office/branch.
MIS Reports :The detailed MIS reports, giving payment details captured through FCMBR menu
option, are available at menu option CMS -26,31,39,41 - A/B/C/D& 42-A/B/C. These MIS are in
pipe-separated plain text format, which can be easily converted to excel sheet. Therequisite MIS
report is to be generated by the nodal branch and sent to the concerned client on daily basis or
as desired by the client.
Service Charges
The proposals for Funds Collection Module will be sent through concerned circle office, duly
2. Details of Collection Account of the client in which funds are to be collected. Kindly note
that a separate account will have to be opened for FCM and ISO charges will have to be
waived in this a/c.
4. Name & contact details of Relationship Manager from Nodal Branch/Circle Office.
For any query regarding FCMBR, you may contact CMS HUB at 011-28757344/
28757336/ 28757341; FAX-28754908 email: cms1@pnb.co.in /
cmshub@pnb.co.in.
User Guidelines
The module consists of three menu options viz. Institute Code Maintenance (ICM), Collection
Code Maintenance (FCM) and Collection of Funds/Fees (FCMBR) at branches. In addition to
these menu options, another menu PNBTM has also been developed to restrict branches
from initiating any credits in the institutes account through TM.
3. Start date/End date The collection code will be active in between these
dates only.
4. Type
1) S- (Alpha-numeric Based on type defined, the field will accept the details.
Characters) Type N has to be given to fields where Fee Amount is
2) N- Numeric type to be captured and S to be given to all other fields.
8. Min Amount & Max Amount When Charge Flag is kept Y, then Minimum &
Maximum charges per transaction would be defined in
these fields.
3. PNBTM- This menu option will be used to disable the institutes pooling account for credit
through manual TM and allowing credits through FCMBR only. The menu is accessible to
Data Centre only. Function A to be used for addition of account number then through
function D (Disable), manual TM shall be restricted. Account mentioned in previous menu
option.
4. FCMBR- This menu option is for the use of branch users to collect fee/funds from the
customers. On entering Institution ID, system will display the fields customized for that
particular customer. The branch user has to capture the details in respective fields as
provided in the Deposit Challan by the depositor. Sub-options allowed are A- Add, I-
Inquiry, M- Modify & D- Delete.
The funds/fees may be collected through any mode; Cash, Transfer and Clearing. The
system will display the total amount, including Bank Commission, to be received from
the depositor in Total Amt field.
In case of deposit in Cash, user has to enter C in the field Mode (C/T/L). After entering
the requisite details, TM acceptance menu will appear. On pressing F4, Tran-ID will be
generated. Verify the transaction using FCMBR only.
In case of transfer transactions, enter T in the field Mode (C/T/L) followed by F4.
Enter the desired details in fields Debit A/c Number, Inst ID/ type and Instrument
Date. If the user is depositing a cheque, enter CHQ in the field instrument type and
press F4. Enter cheque number, cheque date and amount (total amount as per the
challan) in respective fields and press F4 after each entry.
In case of transaction on the basis of debit voucher, enter VC in Inst ID/ type and
press F4. After completing the details, TM acceptance menu will appear. On pressing
F4, Tran-ID will be generated. Verify the transaction using FCMBR only.
Verification: FCMBR entries have to be invariably verified through FCMBR option only
[function code V]. Do not modify any details in TM while verifying the transaction.
Deletion: If any modification is to be done then first delete the transaction through TM;
i.e. all the part_trans; and then delete the entry through FCMBR option [function code
D]
In case of Local Clearing Cheques, enter L in the field Mode (C/T/L) followed by F4.
Enter the desired information in respective fields, on next screen, as under.
Chq/DD Number is the instrument number as specified on the MICR band.
Tran Code is nature of account as given in cheque as Savings / Current / CC as 10/11/12
and 29/30/31 etc.
Sort Code is the 9-digit MICR Code of the instrument as specified on the MICR band.
Zone Code is outward clearing zone opened by the branch for outward clearing cheques.
The Zone Code may also be selected using help (F2) and pressing Shift+F4.
Zone Date is the date for which outward clearing Zone Code has been opened for outward
clearing cheques.
The returned instruments are to be entered in Inward Clearing Zone opened by the Branch
for this purpose.
INSTITUTEID|COLLECTION
CODE|FIELD1|FIELD2|FIELD3|FIELD4|FIELD5|FIELD6|FIELD7|FIELD8|
FIELD9|FIELD10|FIELD11|FIELD12|FIELD13|FIELD14|FIELD15|FIELD16|FIELD17|FIELD18|FI
ELD19| FIELD20|DATE OF FILE
Otherwise, the file may be generated using the File Generation Tool [Annexure-IV].
During creation of Collection Code for the customer through FCM, upload flag
(UPL_FLG) field has to be kept Y.
For preparing the customer data upload file, File Generation Tool (in excel) may be used
[Annexure-IV]. Use sub-option F in FCMUPL to generate File Header for file generation
tool. Paste this header on first line of the tool.
Fill the payment data in fields having Names/titles and remaining fields with title NA
have to be kept blank. The first field would be the Primary Key to extract and populate
the data during entry in FCMBR. So, values in this field should be Unique. The maximum
length of individual field is 17 characters only and no special characters are allowed.
On completion of data entry, generate the upload file. Kindly note that the file name
should be in Capital letters. For uploading this file in Finacle, use sub-option G in
FCMUPL.
Status file of records uploaded successfully in Finacle will be available in PR option.
Download the success file using PTW and compare with upload file to ensure that all
records have been processed and uploaded successfully.
When branch initiates payment in FCMBR and enters Unique Reference Number (in first field),
the system will populate the remaining values. If this value is not present in database, system
will give an error message.
For various forms user IDs & Circulars, you can access the portal through Non CBS
Applications DBD- CMS or https://10.192.15.123/cmsweb/
In offline mode, the BCP PC acts as server and other PCs can be connected as clients
to it.
A user can log in to the software in the offline mode to carry out the transactions during
absence of connectivity at branch and upload the latest BCP Data to the database for
carrying out the Cash and Transfer transactions.
While doing transactions, the user can view the signatures and total debits in a day in a
particular account.
The software prompts for an undertaking if payments in an account during the day
exceed the prescribed limit of Rs.15000/- as per the extant BCP guidelines. If the Total
debit amount exceeds 15000/- limit in the selected A/c, the user can do the debit
transaction but only after taking undertaking for the same.
Balance, Stop Payment and Signature (One Time as well as Incremental) in respect of
CA/CC/OD/SF Accounts are transferred to the Branch BCP PC as per following time
schedule:
o Balance Files 8.00 a.m. 1.00 p.m. 6.00 p.m.
o Stop Payment Files 9.00 p.m. (on previous day)
o Incremental Signature (0nce during the day)
As the BCP data pertaining to specific branch is transmitted to the BCP PC at branch
level, No Inter- Sol transaction is allowed through BCP Tool.
Circle Offices may monitor the status of Cash Txns. done by branches through BCP Tool
by generating the following report: MIS Server -> PNBRPT -> 9/119
The Transactions in the BCP Automation can be started after the Master Upload and Enabling
the transactions for the General Users. The person responsible for the master upload will
ensure that no other user has logged-in. All the latest files will be uploaded and then the
transactions will commence on his enabling the transactions.
Transactions Menu:- The BCP Automation Tool can be used to do the following type of
transactions:
Cash Transactions :
Deposit
Withdrawal
Transfer Transactions
Transactions Verification/Modification
1) Cash Deposit Transaction- Accept cash from the customers and enter the receipt
vouchers in BCP system in offline mode. There is maker checker concept & one user will
enter these vouchers and officer will authorize them. The system generates the offline
transaction number which is to be noted on the face of the vouchers.
A. For payments amounting up to Rs. 15000/- : Depending upon the Last Balance in the
customer a/c, on request of the customer branch may allow payment up to a maximum
of Rs. 15000/- only, without obtaining any letter of undertaking from the customer.
B. For payments exceeding Rs. 15000/- : Branch to obtain letter of undertaking from the
customer on the prescribed proforma before making payment. Any amount can be paid
subject to availability of balance in customers account as per BCP server. The payment in
above case shall be made on case to case basis depending upon the merits of the case.
Before making any payment, the authorized official/CTO shall physically verify signatures
from the BCP server / the specimen signature slip available at the branch.
The CTO will make payment within their existing vested financial powers after verifying the
signatures and shall manually record the payments in his long book. The CTO will also enter the
cash payments on BCP server in offline mode when the connectivity is not available. The BCP
server generates an offline transaction number which must be recorded on the face of the
payment instrument. This shall be verified by the officer in offline mode. The cashier shall make
payments exceeding CTO limit and record all payments in his long book. In case of disruption of
services at branch, it shall not make any Inter SOL payments. In case above payment results in
overdraft in the customer account, the branch Manager shall report the matter to CO and take
steps for getting the account balance to normal.
eports Menu under BCP tools provide the options for generating reports of cash transactions,
transfer transactions and both for all the transactions between two dates. The user can view the
following reports:
1. All transactions
3. Unverified Transactions,
5. Deleted transactions.
Please note that once the transactions have been entered & verified in BCP the same will
not be required to be entered in CBS again.
Bank has a Board approved Information Security Policy in line with the
internationally accepted security standard ISO 27001.
During formulation due care has been taken to adhere to the RBI Guidelines
circulated through the Gopalakrishna Committee Report of Information
Security.
This IS Policy is applicable to all Information and IT assets of our bank that are
electronically stored , processed, documented, transmitted, printed and / or
faxed.
It also applies to all employees, external parties (third party users, contract
staff, outsourced service providers, suppliers, vendors and Consultants) and
customers
Ownership of Policy
The ownership and responsibility for IS Policy lies with the Board of Directors of PNB.
Responsibility of Divisions & CISO
I T Governance
2. Third Party
Third Party include Vendors, Contractor, Sub contractors and Customers etc.
Third Party policy applies to all third party personnel working in the Banks
premises & from remote locations.
Access to third party should be restricted to the minimum services and functions
(both Physical and Logical access).
Information Assets: This includes Databases and data files (residing on various
servers, PCs, Laptops, storage etc.) including emails.
Paper Assets: This includes files and documents in paper form (legal documents,
contracts, user manuals and other files) including print outs and fax messages.
Software Assets: This includes application, system software, software tools
etc. residing in the system or in storage media.
Physical Assets: This includes servers, laptops, PCs, network devices,
printers, removable media, storage etc.
Services: This includes general support utilities like power, air conditioning,
UPS, generators, software & hardware support ( customization and maintenance)
etc.
People Assets: This includes people manning various operations of the above
assets.
Each asset have an owner who will be responsible for the asset.
The IT assets should be properly labeled and classified
The assets should be protected physically as well as logically with the most critical
assets being given maximum protection
4. Human Resource
Objective of Human Resource Security is to address the risks of human error, lack of
competence, theft, fraud or misuse of facilities and assist all personnel in creating a
secure IT environment.
The IT assets and functions should be handled by authorized bank staff. It should be
ensured that the employees are trained appropriately.
The security roles and responsibilities to be included in the job description.
Objective of Physical and Environment Security procedure is to ensure that all IT assets are
secured from unauthorized access, damage, disruption, denial of access or interference and as
such appropriate physical security measures are to be in place to ensure the security and
integrity of information processing facilities and the related IT assets located within.
Server Area: This will constitute the Data Centre, DR Site, NOC, Server Rooms,
Communication Room etc.
Support Services Area: This will constitute the support function areas like UPS Room,
Battery Banks, Fire Fighting Equipments and Generator Room, Circle Office Network
Centres etc.
Work Area: This will include the working space for the employees / external parties engaged
in running the Information Processing Facilities.
Storage Area: This will include the store room for spares, record room, file storage etc
General Banking Area: This will include customer lounges, ATMs, Kiosks etc.
Restricted (Maximum Security): The Server Area being the most critical be subject to
optimum security. It may include all or some of the following:
Restricted Access.
24*7 Security guards and CCTV coverage.
Access controlled by magnetic access card/Biometric devices.
Fire alarm/suppression systems.
Controlled Security: The work area and support services facilities will be subject to security
at a level slightly lower than maximum security but in a controlled environment.
The sensitive and critical information processing facilities should be controlled and access
granted to authorize personnel only as per the need-to-do basis.
Controls like access cards and / or biometric access controls may be used.
External Parties should be allowed access only after obtaining approval from the competent
authority.
For sensitive areas like Data Centre etc., Visitor escort procedure should be followed.
In server area the external parties may not be allowed to enter with Laptops / portable
devices.
The Environmental Security is maintained so as to secure from Natural / Manmade causes such
as fire, water, pests, etc.
Fire detection and suppression; Power Conditioning, Air Conditioning, Humidity controls and
other Environmental controls as deemed necessary be installed.
All portable assets and removable media devices should be secured overnight under
Lock & Key
The logs of various access control devices like access cards, biometric access etc.
should be reviewed and analyzed.
Objective of this section is to ensure the security of information processing methods, various
business functions, and the protection of information across communication networks and
technological infrastructures.
Change Management
Changes to be made in live/production environment after through testing and
UAT. (User Acceptance Testing)
Changes to be made are applied in a secure and consistent manner.
After roll out, schedule and review for all changes.
To cover areas like Scalability of processing Power, Memory Requirements and storage
Fallback arrangements be made available in case of failure of equipment and to avoid loss
of data.
Malicious Software
Users should be regularly made aware of the dangers of unauthorized or malicious
software like computer viruses, network worms, Trojan horses and logic bombs.
Anti-Virus Management
The IT systems should have approved Anti-Virus Software with latest version installed
and updated regularly.
Data purging
Preservation of purged data is to be done as per HO: IAD guidelines on Record
Maintenance Policy.
Clock Synchronization
System clocks should be synchronized regularly especially between the banks various
processing platforms.
Network Security
The term network used in this policy refers to all the types of networks like Local Area,
Network (LAN), Wide Area Network (WAN) and Wireless Networks.
The Internet and Intranet (PNB LAN /WAN) will be segregated and will not access each
other.
Network Design
Network Services
The network services should be enabled only after assessing the security risks.
Wireless Network Security
Use of Wireless Network shall be restricted
Wireless Network should be reasonably secured based upon authorization from the
competent authority.
Network Connectivity
Access to the network facilities is to be limited on the need to have principle & restricted to
authorized persons only.
Routers/ Switches
Firewalls
The firewall design and architecture to be decided based on the security requirements of the
internal PNB network
Networks accessing the PNB resources from the public network (Internet) are to be allowed
only controlled access. The user will be authenticated at the web server level.
The devices should be configured for monitoring network traffic and preventing security
attacks on the system including denial of usage, masquerading etc.
The devices should be capable to generate different alerts based on the priority of attention
needed from the administrator
Auditing &Logging
The critical events including system events, access and operations should be logged.
The audit logs should be protected from unauthorized access.
The logs should be retained for appropriate period commensurate with legal & regulatory
requirements.
Objective of Data Backup Management is to ensure that all software and data are backed up
regularly in order to ensure that applications and its data can be recovered in the event of
systems failure, loss of service, or loss/corruption of data.
Security Controls
Audit logs on critical servers and devices should be enabled.
Technology Initiative: Page 164 of 243
Backup media movement should be controlled to avoid theft of Backup Media.
Backup media should be clearly and distinctly labelled.
The retention period of the backup should be maintained as per the record maintenance
policy of the Bank and also should be in compliance with the regulatory and legal
requirements and directives.
On expiry of the life of the media, the data should be transferred to other appropriate media
and the old media shall be destroyed /degaussed to prevent any date leakage.
The backup restoration testing be done at intervals for availability/readability of data.
Security Logs on devices should be protected against tampering and unauthorized access.
One copy of backup storage media needs to be stored on site and another at offsite.
The off-site location needs to be carefully chosen to ensure that it is located at a sufficient
distance to be unaffected by any disaster at the original site.
Data Archival
Archived data should be stored on such a platform and using such a technology that future
alteration/ modification/ deletion of the data is not possible, once the data is archived.
Objective
User Management Control is to ensure that Information is made available to authorised users
and used for authorised purposes only.
Scope
User Management Control covers all the information systems in use at all the locations.
Bank Employees: These users fall under all the above categories as per their work profile.
Third party: These users may normally undertake roles under all the above user
The physical and logical access to the users is as defined in the chapters on
Third Party
Logical Access Control
Note: unless otherwise specified, auditors are/should be given read only access to systems
Password Management
Password Management and allocation should be in accordance with the Bank password
management Policy.
User Authentication & Log On
Users accessing the system be identified & authenticated using their credentials only before
granting the access.
Phishing:
The fraudsters attempt to lure the customers into revealing their login credentials by sending
fraudulent e-mails purporting to be from the Bank and asking the customers to reveal their
passwords etc. (including Internet Banking and Debit card services).
The fraudsters may also create clone web pages similar to Banks internet banking site
which may mislead the customer into thinking it to be Banks site.
Vishing:
Fraudsters may try to make customers reveal their credentials by contacting them over
phone and misrepresenting as authorized officials of Bank.
Bank has and continues to create Awareness among customers not to reply to the fraud
emails, not to click on any link embedded in the email etc.
Suitable disclaimers are placed on Banks websites and in the printed form of security
brochures, pin-mailers etc.
Objective:
The security controls necessary in the process of planning, requirement analysis, designing,
development and implementing business application systems shall be defined, documented and
implemented.
Scope:
The policy is applicable to In-House developed applications /
software, procured solutions from Outside developers.
Application controls
Designed into all software applications to prevent loss, modification or misuse of user data.
For Protection against potential covert channels or Trojan code, the following controls be
implemented:
Buying programs only from competent and reputed sources
Buying programs preferably with source code so the code may be verified
Using evaluated products
Controlling access to, and modification of code once installed
Technology Initiative: Page 168 of 243
An Asset Inventory be maintained with details like asset name, storage location, warranty
details, licensing details etc. of the IT assets.
The details captured be updated regularly to reflect changes.
Testing Phase
The modifications, enhancements and installation or implementation of new systems should
be subject to Module Test, Integration Test and Acceptance Test by the appropriate
users prior to installation into production.
Auditing Phase
Deployment of a new system/ software should be done after compliance of all audit identified
irregularities.
Implementation Phase
Before the implementation of a new system, standard operating procedures including the
security controls need to be prepared.
The requisite procedures for operational tasks should be documented and updated regularly.
Access to this system documentation shall be restricted.
Access rights be reviewed periodically.
Disposition Phase
Disposal or re-use of systems shall be in accordance with its classification.
While disposing off the assets, the provisions of E-waste Management & Handling Rules,
2011 notified by Central Government on May 1, 2012 must be adhered to.
It may include a formal certification and accreditation process to verify that the security
requirements have been properly addressed.
Either the developer should be *CMMI level 3 certified or else a CMMI level 5 company may
certify the software complying the security requirements.
Exception may be permitted by an official not less than the level of Executive Director.
Application / Data migration
Data/Application owner should ensure integrity and security during the entire process of
migration.
Database security
A proper authentication mechanism should be put in place for granting access to the
databases.
Application Security:
The applications need to be developed by using a formal Software Development Life Cycle
(SDLC).
The security controls should be defined in the application at the design stage itself.
In case of acquired / purchased applications, the application should be tested for IT General
Controls as well as specific controls before the same is migrated into production
environment.
Before moving into production, the application should be checked for vulnerability, weakness
in coding and for existence of trojans or backdoors using appropriate tools.
Before moving into production the application should be audited as per the IT audit policy of
the Bank.
Privacy of Information
The Bank is custodian of customer information which may include his / her sensitive
personal information.
Sensitive personal information includes password, bank account or credit card or debit card
or other payment instrument details.
Any information entrusted by the customer to the bank and also as collected and logged /
captured by network devices and analytic tools is kept confidential. It is not disclosed to any
other person.
However, Bank reserves the right to disclose the information to legal and regulatory
authorities if required.
Objective:
Incident management is required to minimize the damage from security incidents. The term
Incident in this document can be defined as any irregular or adverse event, which occurs on
any part of PNB information systems
Incidents should be classified into High, Medium, Low, negligible based on the severity of the
impact caused.
Escalation matrix be defined and followed.
Action to correct and recover from incidents and system failures should be controlled.
Detailed Procedural document should be in place to recover the systems at the earliest.
Audit trails and similar evidence must be collected and secured, as appropriate, for:
Internal problem analysis
Use as evidence in relation to a potential breach of contract, breach of regulatory
requirement or in the event of civil or criminal proceedings e.g. under Copyrights Act,
Information Technology Act etc.
Negotiating for compensation from software and service suppliers and Settlement of
Insurance claims, wherever applicable
Root Cause analysis of the incident should be done to avoid re-occurrence of the incident.
Corrective actions should be taken
Incident Reporting
A record must be kept for all security incidents, which are under investigation.
Users should log calls through mail to Incident management team or Service Desk of PNB
The procedure for collection and safeguarding of evidence should be defined and
documented.
A security incident report and Post Incident Report should be prepared by a person
designated by the incident co-ordination team and distributed in SIRT for advice and action.
The information gained from the evaluation of information security incidents should be used
to identify recurring or high impact incidents.
In the SOC, SIEM ( Security Information and Event Management) solution should be used
for monitoring and analyzing of logs of different types of systems, devices, security
application events.
Monitoring for events such as system logs, firewall activity, Intrusion Prevention System
(IPS) activity, antivirus activity, individual vulnerabilities, etc. (Except the application logs
as the same are monitored in their applications)
OBJECTIVE
Internet Security ensure that any internet access by banks users is through banks network in a
secure manner and help to protect information systems from attacks through the Internet.
Access to Internet
Internet access will be provided to authorized users on need to know basis and s only after
formal approval from the competent authority.
The access to Internet to the bank officials should be provided through Banks infrastructure.
Authorized and Unauthorized use of Internet
Internet usage should be restricted to serve approved business requirements.
Objective
E mail Security minimize the risk of misusing email services and ensure availability of it for
authorized users of the Bank when required in the way that confidentiality and integrity of
messages is protected in transit
The Email id creation/deletion should be undertaken after approval from the competent
authority
The E-Mail facility should be used for Authorized purpose only.
Security Feature
Users are prohibited from sending Restricted Information or data via e-mail.
For sending business data, encryption and message authentication should be used.
Bulk mailing will be available as a service only under exception.
All Incoming / Outgoing Emails will be scanned for viruses and other malicious content.
User login and logouts will be logged and Server Logs will be reviewed periodically and
relevant action will be taken based on the finding.
All e-mails sent outside pnb.co.in domain should carry an automatic standard footer banner
including an approved disclaimer.
15. Compliance
Objective:
This section aims to ensuring compliance to avoid breaches of any criminal and civil law, and
statutory, regulatory or contractual requirements.
Compliance
All the employees should be aware about legal aspects of using information systems and
their responsibilities for ensuring compliance to the same
The bank shall identify all the relevant acts and regulations applicable to its environment and
make all employees aware about the same.
The IS Security Policy and Procedures should comply with the legal and regulatory
requirements
A comprehensive listing of all relevant statutory, regulatory and contractual information
security requirements should be maintained by Bank.
Bank Should have a Digital Evidence Policy.
Intellectual property rights should be classified appropriately for the Information IT assets
I. Email Spoofing : A spoofed email is one in which e-mail header is forged so that mail
appears to originate from one source but actually has been sent from another source .
II. Spamming : Spamming means sending multiple copies of unsolicited mails or mass e-
mails such as chain letters.
III. Cyber Defamation: This occurs when defamation takes place with the help of
computers and / or the Internet. E.g. someone publishes defamatory matter about
someone on a website or sends e-mails containing defamatory information.
(ii) Denial Of Service :When Internet server is flooded with continuous bogus requests so as to
denying legitimate users to use the server or to crash the server.
(iii) Virus attack : A computer virus is a computer program that can infect other computer
programs by modifying them in such a way as to include a (possibly evolved) copy of it. Viruses
can be file infecting or affecting boot sector of the computer. Worms, unlike viruses do not need
the host to attach themselves to.
(iv) Email Bombing : Sending large numbers of mails to the individual or company or mail
servers thereby ultimately resulting into crashing.
(v) Salami Attack : When negligible amounts are removed & accumulated in to something
larger. These attacks are used for the commission of financial crimes.
(vi) Logic Bomb : Its an event dependent programme , as soon as the designated event
occurs, it crashes the computer, release a virus or any other harmful possibilities.
(vii) Trojan Horse: an unauthorized program which functions from inside what seems to be an
authorized program, thereby concealing what it is actually doing.
(viii) Data diddling: This kind of an attack involves altering raw data just before it is processed
by a computer and then changing it back after the processing is completed.
(i) Forgery: currency notes, revenue stamps, mark sheets etc can be forged using computers
and high quality scanners and printers.
(iii) Web Jacking: Hackers gain access and control over the website of another, even they
change the content of website for fulfilling political objective or for money.
What Is "Phishing"?
Modus Operandi
Phishers often use a well-known Bank, online retailer, or a credit card company name
and launch their fake website very similar to the real site.
Their objective is to convince customers to share their Customer ID, Password, that the
phishers then use to commit fraud.
The vast majority of phishing scams consist of a forged e-mail message that links to a
forged web page or site. The forged web pages usually contain a form to capture the
information that the scammers want to use to commit fraud.
To increase the number of responses, phishers send a large no of spam mails which
include upsetting or exciting statements in their emails. They want people to react
immediately and respond with the desired information without thinking.
They may appear to come from the Bank or a trusted friend but are actually designed to
trick you into downloading a virus to your computer or directing you to a Web site to
disclose sensitive or personal information .
What you see in the body of the message can be forged, the sender's address or return
address can be forged, and the header can also be manipulated to disguise its true
origin.
The term is a combination of "voice" and phishing. Voice phishing exploits the public's trust in
landline telephone services. Voice phishing is typically used to steal credit card numbers or
other information used in identity theft schemes from individuals
a) The criminal either configures a war dialer to call phone numbers in a given region or
accesses a legitimate voice messaging company with a list of phone numbers stolen from a
financial institution.
b) Typically, when the victim answers the call, an automated recording, often generated with a
text to speech synthesizer, is played to alert the consumer that their credit card has had
fraudulent activity or that their bank account has had unusual activity.
c) The message instructs the consumer to call the following phone number immediately. The
same phone number is often shown in the spoofed caller ID and given the same name as the
financial company they are pretending to represent.
d) When the victim calls the number, it is answered by automated instructions to enter their
credit card number or bank account number on the key pad.
e) Once the consumer enters their credit card number or bank account number, the visher has
the information necessary to make fraudulent use of the card or to access the account.
The call is often used to harvest additional details such as security PIN, expiration date, date of
birth, etc. Although the use of automated responders and war dialers is preferred by the
vishers, there have been reported cases where human operators play an active role in these
scams, trying to persuade the victims.
KEYLOGGERS
Besides being used for legitimate purposes, they may be used to collect sensitive
information that includes: Usernames & Passwords , Credit Card Numbers , Person
Information such as Name, Address, etc.
CONTENT PARTNER: name of Training Centre
the name you can BANK upon!
CONTENT PARTNER: name of Training Centre
the name you can BANK upon!
As regards to Security - There is no security system which provide 100% safety still there is the
need to take in to consideration the security aspects.
b) Most email sites provides "Filter facility" in the option folder , set your email filters, so that the
amount of unsolicited email can be limited.
c) Use strong passwords that have at least eight characters including numerals and symbols
other then alphabets.
d) Never Use personal information(e.g. user name, birth date, month, standard words login
name etc.) as passwords.
f) Create a different password for each online E-mail account you use .
c) Use anti-virus software and anti-spyware software to keep your computer safe and secure. If
u feel your machine is infected with viruses then unplug the phone or cable line from your
machine. And scan your entire computer with anti-virus software.
Always Choose the anti-virus software that recognizes current viruses, as well as older ones &
updates automatically.
a) Do not give information such as Name, Home address, School Name or Telephone Number
in a chat room.
b) Do not send your photograph to anyone on the Net without first checking with your parents.
b) Use the Internet with your children whenever possible, teach them well.
c) Use software that allows you to monitor your children's email and web traffic.
a) Never give any personal information like telephone no, address etc while chatting with
unknown person.
c) Use Cyber caf which you believe, don't misuse the monitoring software.
a) Only Trust a business or individual seller who gives a physical address and a working
telephone number at which they can be contacted in case of any problems.
c) Never reply to or click on links in email or pop-ups that ask for personal information.
d) If you're asked for your personal information - your name, email or home address, phone
number, account numbers learn how it will be protected, before you share it.
There are some indicators that show vendors have taken measures to secure their sites such as
a lock icon on the browser's status bar or a website URL that begins "https:" (secure hyper text
protocol).
e) If you are directed to a website to update your information, verify that the site is legitimate by
calling the company directly, using contact information from your account statements. Never
send your personal information via email because email is not a secure transmission method.
( "Phishing pop-up messages usually says that you need to "update" or "validate" your
account information. The message directs you to a website that looks just like a legitimate
organizations, but isn't. To trick you into divulging your personal information so the operators
can steal your identity.)
f) Read website privacy policies. It explains what personal information the website collects, how
the information is used, and whether it is provided to third parties. If you don't see a privacy
policy - or if you can't understand it then do business elsewhere.
Chatting Tips
b) Never give your credit card number or other password to any person on the net.
VISHING
The card information obtain are used for online shopping or wallet recharge
Bank or other institutions never ask for personal or transaction data from
customers, never disclose it
The act of using a skimmer to illegally collect data from magnetic strip of a credit, debit
or ATM card
The face plates installed on these machines usually contain hardware which reads your
cards magnetic stripe before it enters into the original ATM card slot.
The cloned card can be used as a genuine card for carrying out POS purchase or ATM
withdrawal
Skimmer Devices
Precautions
PNB Yuva is a mobile app launched by the Bank on 14.11.2016 to meet the aspirations of
youngsters in the age group of 14 years to 25 years. Bringing the young segment in our fold is
necessary to sustain future growth of the Bank. Catch them young is the concept.
PNB Yuva is available on Google play store & Apple Store. Mobile application may be
downloaded by the youth on their mobile. The application has the interface with our CBS, Social
Media and other e-commerce sites.
All the banking transactions can be performed by youngsters through this APP.
Salient Features:
1. The application has interactive user interface which makes banking a fun experience for
the youth. Besides, it gives them a sense of financial responsibility and inculcates habit
of savings.
2. The Dash Board is available to the youth to view record of their recent activities, money
deposited, withdrawal and outstanding balance, description of their desires, the amount
needed to fulfill the desires and the amount available in their wallet.
3. It is online, totally digital and functional on Tab, I-pad, Smartphone etc.
4. The APP has provision to receive money. Also have a feature to request for fund by
generating nicely worded e-mail and suggest mode.
5. The account of the youngster has an interface with social sites to share their goals,
desires and invite friends in the world of banking.
6. Gaming session with quiz and knowledge services keeps them engaged, facilitates
Banking and also earns points.
7. The Scheme envisages all the transactions happening on APP obviating the need to visit
the branch.
Benefits:
The bank can expand its tech savvy millennium customer base.
The solution provides the youth a banking platform that enhances their financial acumen.
The solution is for Gen Y. Catching those youngsters gives bank an opportunity to
forge long term relationships with them resulting in increased loyalty and wallet share.
Operations:
The leads for opening of new accounts through APP will be received and downloaded at
the concerned circle level through CRM. Circle office marketing team will ensure
opening of accounts in the branches convenient to customer for the leads received
through CRM.
Existing accounts of Young customers in the age group of 14 years to 25 years can also
be converted to this scheme.
Registration procedure:
Download the app from the Google Play Store (for Android Devices) or App Store (for
iOS devices)
Launch the Finacle Youth Banking Application in Android smart phone or in iPhone.
Step 1:
User will click on the option for New User Signup to get the account created with the
Bank.
The user will fill in personal information like Name, Email ID, Gender, Mobile Number,
Date of Birth and Pin Code etc.
The user will provide the Guardian details. However, user can skip Guardian registration
by selecting the Skip Guardian Details option. In this case, user will be able to submit
his/her details only.
User can select to register with existing Guardian or new Guardian by selecting Yes or
No options on screen. If user selects option Yes (Which means, Guardian is already
existing customer with the Bank) then he/she will be asked to enter the Account details
of the Guardian. An OTP will be sent to the owner of the account for validation purpose.
In case user selects option No (which means, Guardian is not existing customer with
Bank), user need to provide Guardian Name, Mobile Number, Email Id and Pin Code.
On proceed, details will be saved with the bank.
Step 2:
The leads for opening of new accounts through APP will be received and downloaded at
the concerned circle level through CRM. Circle office marketing team will ensure
opening of accounts in the branches convenient to customer for the leads received
through CRM.
Bank Admin needs to get in touch with the Youth/Guardian in order to get a confirmation
for the registration. The Youth/Guardian can be contacted on his Mobile Number or
Email ID.
Once Youth/Guardian confirms the registration, the bank admin coordinates for the
Know Your Customer (KYC) document collection. All relevant documents required for
customer identification and verification will be collected by the Bank Representative.
On receipt of AOF, KYC documents along with nomination form, account will be opened
and activated at the concerned branch with Zero balance. After implementation of Back
Office system for opening saving accounts, all these accounts will be opened at Back
Offices.
Primary Savings Account will be created for the Youth in Finacle Core. The account will
be opened under scheme code SBYUV. This will be termed as Pocket Money
Account.
User will click on the option Existing Customer Online Registration for registering with
the Youth Banking app.
For youth registration, user need to key in valid details for account number, OTP and
Debit card which will be validated at subsequent steps. Once all the details provided by
user are correct, user will be asked to set login password for the app.
How to Use??
Customer Login:
Customer Login to the Youth Banking application happens via the Youth Banking credentials
received by the youth and guardian during the online registration process. There are two types
of user logins supported in the application:
1. Youth login
2. Guardian login
The login type decides the dashboard that will be presented to the logged in user. The Guardian
and Youth have separate dashboards that provide a comprehensive view of all activities on the
account. The dashboards are role based and the functionalities displayed for the child and the
guardian, are different.
Youth Login
The youth login presents a set of banking and other fun features to the youth that helps him
manage his own savings and expenses. The youth login procedure can be summarized as
below:
Once the youth Customer is on boarded, the youth can login to the Finacle Youth Banking
application using the credentials shared in the welcome kit and perform the banking
activities.
For the first time login, user id and login password needs to be filled in.
On subsequent login, the user will not be asked to fill in the login ID if user adds the login pic
in the profile. The profile will be created using the First Name and user need to enter only
password for a particular profile.
Guardian Login
The guardian login presents a set of features in order to track the financial activities performed
by the youth in Youth Banking application.
The guardian login procedure can be summarized as below:
1. Once the youth customer is on boarded and the welcome kit is shared, the guardian
can login to the Finacle Youth Banking application using the credentials shared in the
welcome kit.
2. For the first time login, user id and login password needs to be filled in.
3. On subsequent login, the user will not be asked to fill in the login ID if user adds the
login pic in the profile (refer to section 2.6.9.3 to know how to set profile picture). The
profile will be created using the First Name and user need to enter only password for a
particular profile.
In the competitive Banking Scenario maintaining the share of CASA deposit in the system is
very challenging. Remote Saving Bank Account opening through Tablet PC Based Solution has
been launched as a step further to provide quality services to HNIs and NRIs at their door step.
Tab Banking is a process of Remote Account Opening, where Bank Official (GBPA Holder)
visits customers place with Tablet PC Based Solution (TAB) for opening of account.
Customers data is captured by the official in TAB and transmitted to Back Office, where Back
Office User verifies the same. Back Office User will be of officer rank and may not necessarily
be a GBPA holder.
Who are potential Customers for opening of account through Tab Banking?
Tablet PC Based Solution will cater the need of the bank in fulfilling the high expectation of the
following types of customers/bulk customers:
In case of Welcome Kit the Account No, Cheque Book and Debit Card shall be provided
to the customer simultaneously.
Account will be opened with welcome kit if customer desires to open account in the
branch of whose welcome kit is available with designated official and customer accept
the classic card enclosed in the KIT.
KYC Documents:
Under this process, by filling in the Aadhar Number and capturing the biometric of the
prospective customer, the basic data from UIDAI site will be directly uploaded in the tablet.
In such cases, even no need to take copy of Aadhar Card as KYC proof.
There will be clear distinction between account opened through e-KYC or otherwise as
Photograph of the customer from UIDAI data base will also be downloaded besides photograph
clicked with the TAB.
For better customer service, the account should preferably be opened with e-KYC facility
wherever the customer has provided his Aadhar Card as his Identity and address proof.
User ID & Password of Tab officer, who has to be necessarily a GBPA holder
Tablet
Finger print reader,
Some stock of Form 60 and printed forms containing the general terms & conditions
besides Nomination details,
FATCA undertaking
Signature Slips.
2. As soon as the tab officer starts filling data, a Unique reference Number (URN) will be
generated.
5. On completion, customer data along with the other scanned documents will be
transmitted by the tab officer to the back office. At this stage, a welcome SMS confirming
the initiation of account opening process will be delivered to customer at his/her
registered mobile number.
6. Back office user will login and select the account by selecting URN no. He will check the
data in the system from the scanned documents only. If details are correct then User will
verify the account otherwise transmit back to the originating tab officer for modification.
BACK OFFICE USER WILL NOT BE ALLOWED TO MAKE ANY MODIFICATIONS.
7. Accounts received back by the tab officer for modification will be modified and sent again
to back office.
8. On verification by the back office user, account will be uploaded in CBS system
automatically in verified stage. Signatures will also get uploaded in CBS automatically
but will be required to be verified by the back office user in the CBS. After verification the
process of opening of account is completed. Account number will be generated and an
SMS to this effect will be delivered to customers registered mobile no. Simultaneously
the Account No. will also be updated on the tab against the respective URN No.
9. A welcome letter is also customized which will be printed at the back office and sent to
the customer by post on the same day of account opening.
10. The tab officer will take out the print of AOF and scanned KYC documents at his/her
office. Tab Officer will attest the documents under his name, signature & PA no. and will
attach it with AOF along with relevant Annexure 1 and Form 60, if obtained. It will make
it complete set of account opening form. The tab officer will hand over the complete AOF
after writing the account No. on annexure 1 and also on Form 60 if obtained to the back
office.
AML Exception:
In case of AML exception, Back office user will click on AML Exception Permissions and
the list of accounts pending for AML exception will appear. The back office user will
select the account and check the details and accept or reject AML exception with
remarks.
Back office user will go to `View Pending Applications for verification of accounts as per
extant guidelines. The account accepted in AML exception will be verified as per extant
guidelines. The accounts rejected in AML exception will be sent back to Tab user
through `cancel for modification.
Tab user will clarify / pursue with back office for accepting the AML exception. If
accepted by the back office user, the account will be sent again to the back office for
further action. Otherwise, the account will be deleted by the Tab user.
User management:
There will be three tier User management in the TAB Banking as under:
(i) Branch Level User: Known as TAB User having access of login with password, Change
password, Open and transmit the account, Modify application, download application
(Software), generate reports of user level. The user must be GBPA holder.
(ii) Back Office level user: Can reset his password, view application, accept application, sent
back for modification, generate reports including user wise reports attached to his office.
(iii) Circle Level User: Known as Circle Admin User will have the access of management of the
TABs and TAB officials within their Circle and should be an officer who may or may not be
a GBPA holder.
They will manage the change management of TAB Users within the circle including
transfer-out and transfer-in of Users, TAB PCs and SOLs. They can add user, modify user,
unlock user, reset password, generate reports.
(iv) Zonal level user: Known as Zonal Admin User will have the access of management of the
TABs and TAB officials within their zone and should be an officer who may or may not be
a GBPA holder.
They will manage the change management of TAB Users within the zone including
transfer-out and transfer-in of Users, TAB PCs and SOLs. They can add user, modify user,
unlock user, reset password, generate reports.
(v) Head Office Level User: HO level user will be entitled for inter-circle transfer of the TAB
Users. They will be the owner of the HO level Admin Users (if any). Head Office level user
will work under RMD HO at e-bay cell, Delhi having mail Id ebaydelhiaof@pnb.co.in.
Point of Sale Point of Sale (PoS) terminal /Electronic Data Capture (EDC)
Terminal machine is a technological instrument, installed at the
Merchant Establishment (ME) to facilitate payments
towards sale of goods or services to customers in a
cashless environment by the swipe of Debit/Credit Card
issued to the customer by us or by other banks.
The PoS / EDC terminal is connected through a telephone line
/ GPRS/ mobile POS and when the card is swiped and the
Merchant enters the amount, the card holder will be asked to
insert PIN of his debit/credit card. The transaction will be
transmitted to the card issuing bank through
VISA/MasterCard/RuPay network for authorization. The Switch
of the card-issuing Bank authorizes the transaction by debiting
the cardholders debit/credit card account. Once the
authorization is obtained, charge slip is generated, which
FOR BRANCHES:
1) Circle office team will place the proposals falling under Circle
Head power to their Circle Head for approval and intimate the
concessional sanctions on daily basis to our Division as per
format 4 so that HOCCD may advise the Service Provider for
necessary action.
2) The terms & conditions of the approval may also be advised to
the branch by Circle Office for informing the merchant in writing.
3) Besides, at the end of every month, Circle offices will submit to
their ZOs a monthly statement as per format attached which will
contain consolidated list of approvals, done under Circle Head
power during a particular month.
4) In case concessions falling under powers of ZM or Head office,
the same will be forwarded to ZM Office/HOCCD after analyzing
the proposal properly along with Circle Head recommendations.
2) Credit Card
Service Charges
Daily Email statement to merchant irrespective Free
of no. of e-mail Id
Physical Payment Advice
Daily Rs.199 p.m.*
Weekly Rs. 50 p.m.*
Monthly Rs. 15 p.m.*
IP Connected Terminal Rs.500 p.m.*
per Modem
*Plus service tax
Help Desk In case of any clarification, please contact IT Help Desks in the
respective Circle Offices/ Credit Card Division
HO: Atma Ram House (12th Floor),
1, Tolstoy Marg, New Delhi-110001
(Tel. No.011-23752465, 23319516, 23356151
Fax 011-23353876)
E-mail ID: posmerchantpnb@pnb.co.in
In order to address this issue M/s WorldLine has been advised to put in
a team of dedicated officials at Circle Office locations. This team will
scrutinize the applications supported documents, perform required data
entry and pass on the details of duly scrutinized applications to their
Headquarters for Risk Analysis & approval. They would also undertake
activities post approval. The applications having any discrepancy or not
supported by required documents will be handed over to Circle Offices.
Official, who in turn will coordinate with sourcing branches to rectify
discrepancies.
The Nodal Officer constituting the team at Circle Office shall coordinate
with branches for speedy submission of documents/information
supervising the processing of applications of service provider and also
supervise the installation of machines. Thus they will have complete
tracking of the process. Further the vendor is being advised to maintain
adequate inventory of machines at Circle Office level itself. So that the
time spent on installation of machines is minimized.
The branches are advised to submit application forms along with the
supporting documents to respective Circle Offices which shall hence
forth acting as hubs for processing and further activities for PoS
business.
1. MIS Reports
2. Customer Relationship Management (CRM).
3. Operational Risk Management System
4. Market Risk Management System
5. Credit Risk Management System
6. Assets Liability Management (ALM)
7. Transfer Price Mechanism (TPM)
8. Corporate Budget Planning & Performance Management System.
Benefits Statements should not be called from the Branches as the MIS reports
from Data generated from EDW shall be available to Circles and Head office for
Warehouse informed decision making.
On request, ad-hoc reports are being generated from the Data Warehouse
which facilitates a structured process for improved decisions.
Data Warehouse provides a stepping stone for launch of focused products
and services to select clientele.
Improved statutory compliances like Reporting of Anti Money Laundering
Information, Risk compliances, ADF and other statutory reports to
regulatory authorities.
Detection of Frauds with improved analysis of data
Analytics from data warehouse facilitates Cost and Relationship based
pricing of products and services, leading to improved profitability.
Predictive analysis helps in optimal utilization of Resources for improving
the efficiency.
All information is available in structured formats and in a time bound
manner.
The Data from Data Warehouse is now available at T+1 basis (next day)
instead of earlier T+2.
User log-in The EDW Users ID has been created centrally for all Bank employees.
ID & The EDW User ID is their PF number (without any initials) and for
Password password, users may take up matter with their Circle Office or submit their
request through banks e-mail at edw@pnb.co.in.
Irregular Irregular Accounts Dash board has been created with the objective of providing
Account standardised MIS, meaningful visualisation through charts / graphical
Dashboard representation at various levels, on Irregular accounts. This dash board provides
Amount wise (up to 10 lacs, 10 lacs to 50 lacs, 50 lacs to 1 cr. & above 1
cr)
Age wise (viz. 1-30days, 31-60days, 61-90 days, etc.),
Non-financial reason (like SRM not renewed) summary view.
Another tab with an option to view summary report, i.e the Zone wise,
Circle wise summary for any given combination (single page report) with
an option to view amount wise, age wise, sector wise & non-financial
reason wise is made available for assessing the impact.
Part II provides graphical view of the summary data. The charts provide the
percentage of various segments of irregular accounts in terms of age, amount,
sector and non financial reasons based on number and amount of irregular
accounts. This facilitates the teams to identify the critical area and draw plan of
action for recovery.
Part III provides the list of accounts, which are otherwise regular but is part
of one of the irregular account of the same customer ID. These are referred
as percolation accounts. This feature facilitates the monitoring group to focus
on such accounts, which may cause more impact on fresh slippage.
Advantages:
The major benefit of this Irregular Dash board is monitoring made easy.
The progress in regularisation of irregular accounts can be monitored on
daily basis.
The analytics view of dashboard enhances the viewers perceptions of
situations and enables to take faster decision. The data can be exported
into the users PC in excel format with an options to Save and Print.
Further, Daily Account-wise detailed master report may be viewed by
FGM/CH in their My Inbox available at Home page of EDW MIS.
Access to Irregular Account Dashboard has been provided to all GMs at HO,
Zonal Managers, Circle Heads, other Senior Officials at FGMO and Circle Offices.
Ad-hoc Data Apart from pre-published MIS reports, EDW is also facilitating HO
Divisions/FGMOs/COs/Branches by providing ad-hoc data for various activities
and business development. HO Divisions/FGMOs/COs are requesting ad-hoc
data from EDW, which is being provided on demand basis. To demand ad-hoc
data, request must be submitted at mail id datarequest@pnb.co.in. The ad-hoc
data request should contain following:
Format for required data
Time period of data
Business logic for the data elements
Following reports are available on weekly basis under Data Clean >
Weekly folder
Invalid and blank contact details Performing Assets
List of customers where constitution code is blank
List of customers where constitution code is given as Others
NPA Accounts with Interest Rate code as Zero
Priority Sector Advances Probable Data Error
Probable Data Loss in Priority or MSME Sector due to wrong feeding of
sub-sector code
Probable Data Loss in PS-Food and Agro Sector
Industry Code in PNB Track vis--vis CBS Code mismatches
External Ratings Status in LADDER vis--vis CBS Data mismatches
Agriculture Loan Accounts where sub-sector code is wrong
Branches are advised to check these reports on regular basis and make
immediate corrections/updation in CBS system.
Similarly, Account-wise Daily Fresh Sanctions report is available under MISD >
Daily folder of EDW. The report shows all the new/enhancement/Renewal loan
accounts that have appeared/updated in CBS on previous day. The granular
information of the various classification attributes (e.g. scheme, sector, industry &
so on) of each account is available in one screen. The details of PAN, repayment
schedule etc. is also available in this report. The branches may check this report
and any error in data noticed has to be corrected instantly on daily basis.
3. On Next page, Click on Continue to this website option. Following page will
appear. Click on EDW Login as shown below to open login page of EDW.
Navigation for EDW reports is also available on this page.
4. Login page will open as displayed below. Enter your user id and password
5. If you have valid user-id / password, you will be directed to following screen
when logged in:
8. Go to the desired division and click on the folder you want to explore. No. of
reports will be shown on right panel with report name and last run date. If you
want to see older instances of report, you can Right click on the name of the
report and click History link given below and open the report from there of
desired date. For latest instance, click on View Latest Instance option.
9. You can double click on the report name also to view latest instance (i.e.
without right click on report). It may take some time in opening the report.
11. Different tabs of report are available on bottom left corner and option to
navigate the page number of the report is available on bottom right corner of the
report.
12. You can drill down to various parameters as available in report. If the
parameter on which you want to drill is not available in report, you can select your
customized drill by clicking on left side filter sign and selecting the desired
parameter as shown in above fig.
Help Desk Any suggestion or feedback with regard to data cleansing, MIS reports, reporting
User at ZO will view the MIS and data of their own ZO, Circles under their ZO and
corresponding branches under each circle. Similarly, the user at Circle can view
his own performance and with the performance of the branch. Once the users log
in, the main screen of the dashboard has following business performance
parameters:
1. Core Deposit
2. Current
3. Saving
4. CASA
5. Core TD
6. Total Deposit
7. Total Advances with sub categories:
Core Retail Advances
Priority Sector Advances
MSME
Agriculture
Navigation Access to dashboard does not require any new configuration at user end. The
Dashboard is hosted on CBS networks well as Internet. The identified users
having access to CBS can view the dashboard by clicking on EDW link provided
on FINACLE home page. All the users of dashboard have been provide with user
id in 7digits PF number, for example PF no. 55250 will have user id as
0055250.(At present the users are being provided at HO/ZM & CH level Sr.
Officers as the purpose is to maintain & take strategic decision or follow-up). For
creation of new user request / any other query send request to e-mail id:
pms.support@pnb.co.in and edw@pnb.co.in
The GMs and FGMs can access the portal through their IPAD and Circle Heads
can access it through their laptops. The URL for BPM dash board through internet
is: https://www.pnbpms.co.in:8080/epm. The access credentials remain same.
Another link in the dash board covers business performance of all the Pragati
branches as a group. The Circles and FGMOs to monitor their Pragati branches
performance on continuous basis.
4. Enter User Id and Password .On clicking Log in button, Business Performance
Dashboard home page will be opened.
Every Circle to identify at-least two Digidhan champions at the Circle level.
The identified Digidhan champions at the Circle need to be well versed with the
existing digital products of the Bank. If required, necessary training may be provided
to them by the associated training centre.
They will be trained as and when any new Digital product is launched by the Bank.
Refresher training would also be provided to these Digidhan champions
on existing products.
They will train the Digidhan champions at Branch Offices and monitor the daily
branch-wise progress.
They will ensure that each branch is provided with enough publicity material.
Marketing of digital products will be the responsibility of the circle Digidhan
champions (through newspaper, TV etc.). They will also conduct camps at various
Educational institutes, hospitals etc.
Every Branch to identify at-least one Digidhan champion for the branch.
The identified Digidhan champions will be trained by Circle Office digital team for the
existing digital products of the Bank.
They will be trained as and when any new Digital product is launched by the Bank.
Refresher training would also be provided to these Digidhan champions on existing
products.
They will ensure that publicity material provided by circle office is properly displayed at
the branch/ATMs. The pamphlets on digital products are to be kept at counters for
distribution to visiting customers explaining them benefits of the digital products.
They will also be conducting camps at various Educational institutes, hospitals or at
branches by organizing customer meet. Camps would also be conducted at the Villages
falling under the branch.
The Digidhan champion in the branch will act as the focal point for all the customers for
getting educated with the digital products and services of the Bank. He / She will
handhold the customers in their migration to digital platforms by helping them download
and operate our Apps.
Bharat Interface for Money (BHIM) is an initiative of Government of India to enable fast, secure,
reliable cashless payments through mobile phone. BHIM is interoperable with other Unified
Payment Interface (UPI) applications, and bank accounts. BHIM is developed by the National
Payment Corporation of India (NPCI). BHIM is made in India and dedicated to the service of the
nation.
It is an app that lets the users make simple, easy and quick payment transactions using Unified
Payments Interface (UPI). Users can easily make direct bank to bank payments instantly and
collect money using just Mobile number or Payment address. Service available are as follows:
Send Money Using this option, you can send money to anyone using Virtual Payment
Address (VPA), Account no & IFSC and QR Scan.
Request Money Using this option, you can collect money by entering Virtual Payment
Address (VPA). Additionally through BHIM App, one can also transfer money using
Mobile No. (Mobile No should be registered with BHIM or *99# and account should be
linked).
Scan & Pay- Using this option, you can pay by scanning the QR code through Scan &
Pay & generate your QR option is also present.
Transactions Using this option, you can check transaction history and also pending
UPI collect requests (if any) and approve or reject. You can raise complaint for the
declined transactions by clicking on Report issue in transactions.
Profile Using this option, you can view the static QR code and Payment addresses
created. You can also share the QR code through various messenger applications like
WhatsApp, Email etc. available on phone and can also download the QR code.
Bank Account Using this Option, you can see the bank account linked with your BHIM
App and its PIN status. You can set/change your UPI PIN. You can also change the
bank account linked with BHIM App by clicking Change account provided in Menu. Also
you can check Balance of your linked Bank Account by clicking REQUEST BALANCE.
Step 1: Download and Install BHIM app from Google Play store
Step 2: Select your preferred language.
Step 3: Select SIM which has mobile number that is registered with bank CBS
Step 4: Login by setting a 4 digit application password
Step 5: Link your bank accounts using bank account option
Step 6: Set your UPI PIN by providing last 6 digits of debit card and expiry date of debit
card
Step 7: Visit Profile option and set virtual payment address (VPA)s (Two virtual payment
address (VPA)s are allowed per user 1. mobno@upi, 2. name@upi)
Step 8: Set one virtual payment address (VPA) as a primary virtual payment address
(VPA) (Ex. name@upi can be primary virtual payment address (VPA) making it easy to
share with others)
Customer opens the app on his/her Smartphone and enters the app login
passcode.
Select Send Money Option.
Customer select the option present on top right corner to pay through account no
& IFSC.
Customer opens the app and enters the app login and passcode.
Select Receive Money Option and initiates a request transaction.
Customer enters virtual payment address (VPA) to collect money and clicks on
verify to check the name of payer
PAYER name is shown to the requester and he enters the amount and remarks
Confirmation of Request Sent is given to the initiator.
Initiator is notified once PAYER accepts the request for money
Customer opens the app and enters the app login and passcode.
Select Receive Money Option and initiates a request transaction.
Customer enters Mobile no to collect money and clicks on verify to check the
name of payer
PAYER name is shown to the requester and he enters the amount and remarks
Confirmation of Request Sent is given to the initiator.
Initiator is notified once PAYER accepts the request for money.
Choose the option to generate the QR code present at the top right corner on the
home page.
Generate the QR code and share the QR code for requesting Money.
Customer opens the app on his/her Smartphone and enters the app login passcode.
Customer selects Scan & Pay option through a QR.
Application opens a QR scanner which then populates the details like any other PAY
transaction and on entering the UPI PIN, transaction can be completed
My Profile (Static)
In the My Profile section, customer has an already available QR generated with the
primary UPI handle which can be directly shared from the application.
There are 2 VIRTUAL PAYMENT ADDRESS (VPA)s shown 1. With
mobilenumber@upi 2. name@upi.
The customer can choose his desired VIRTUAL PAYMENT ADDRESS (VPA) as the
default or Primary VIRTUAL PAYMENT ADDRESS (VPA).
QR code based scan & pay option available, Generate your own QR code option is
also available
Option to save your beneficiaries for future references
Access transaction history and Request Balance anytime
Create, reset or change UPI PIN
Report Issue and call Bank facilities are given to lodge complaints
FAQ section is created in the app to answer all the queries reg. BHIM
Available in 2 languages English and Hindi
Benefits of BHIM:
Transfer Limits:
For Smart Phones with Internet option BHIM can be executed via the app (available
in Play store and coming soon for iPhone app store), whereas for feature phones,
BHIM can be executed via phone dialer using *99# option.
The charge for BHIM is one time hard binding SMS charges depending on the
mobile operator (Standard SMS charges of your operator).
For *99# the charges are Rs.0.50/- for one transaction. It is up to banks discretion to
levy any charges on the customers for using BHIM. From NPCI there are no charges
levied upon the customer.
USSD (Unstructured Supplementary Service Data) is a technology normally used in the field of
telecommunication. It is available on all GSM enabled handsets. There is no need of internet
connection to use the services of this method. The codes, which directly communicate with the
server of Telecom Operator Company, is called as the USSD.
National Payments Corporation of India (NPCI) has now launched upgraded version of USSD
based Mobile Banking, USSD 2.0 through a common platform for all Banks under National
Unified USSD Platform (NUUP). With the launch of USSD 2.0, the earlier version USSD 1.0 and
Mobile Application for NUUP (*99#) have since been discontinued.
USSD based Mobile Banking Services can be availed by the customers by dialing *99# which
would connect the customer to USSD platform of NPCI. The USSD 2.0 works on Unified
Payment Interface (UPI) platform and this creates a default VPA (Virtual Payment Address) for
the user as mobilenumber@upi (e. g. 9311112345@upi) which can be used for sending &
receiving money. The USSD services are available in 12 languages. All the customers whose
Mobile Number is registered with the Bank can avail the facility directly.
As USSD code connects to the telecom operators server, it also connects to banks
server. Hence, it gives access to customer bank account and performs some
transaction.
The entry to bank account is given on the basis of registered mobile number. Thus,
customer must use registered mobile number to dial the USSD code.
The connection to the server of customer bank goes through the servers of telecom
companies. The NPCI handles all the technicality of this USSD service.
A special number *99# is fixed to access the banking services. This number works
across the banks. This system of banking transaction is termed as the NUUP.
*99# banking uses USSD to perform some of the services of BHIM app. These services
include sending money, requesting money etc.
Customer can also check his account balance, change or reset his UPI PIN and see the
transactions which are done thru *99# banking or BHIM app.
It also has the option to add, delete or view beneficiaries.
Customer can also use it in his own language. Currently, this service is available in 10 regional
languages along with Hindi and English. Therefore, it is the best banking solution for every
common man.
1. English *99#
2. Hindi *99*22#
3. Tamil *99*23#
4. Telugu *99*24#
5. Malayalam *99*25#
6. Kannada *99*26#
7. Gujarati *99*27#
8. Marathi *99*28#
9. Bengali *99*29#
10. Punjabi *99*30#
11. Assamese *99*31#
12. Oriya *99*32#
Due to some technical limitation as of now only three services can be accessed in these
languages except English.
Balance enquiry
Mini statement
Funds transfer using IFSC and Account number
Send money
Use this service for sending money to anyone.
Enter 1 and hit send or call button. User will see some more options on the screen.
Mobile number
Payment address
Saved beneficiary
IFSC, Account No.
MMID, Mobile No.
Enter 5 in the Send money menu and tap on send. Enter beneficiarys mobile number on the
next screen and send. Here, enter MMID of the beneficiary and send again. Enter your UPI PIN
in the next screen to complete the transaction. The money will be sent and a success message
will be shown on the next screen.
Request Money
Just like BHIM app, User can request money using *99# banking also.
Below are the steps to request money-
Enter 2 in the first menu of the *99# banking.
Enter the mobile number or VPA of the person from who you are going to request
money.
Enter the amount to be requested and tap on send.
User request will be sent to that person and a success message will be shown.
Check balance
User can also check your account balance using *99# banking. Follow the steps below-
Enter 3 in the *99# banking menu and send.
My Profile
Customer can see and manage his profile details such as linked bank account, language etc.
Enter 4 in the *99# banking menu and tap on send.
Customer will see some options:
Change Bank Account
Change Language
My Details
Payment address
Manage beneficiary
Add beneficiary
Delete beneficiary
View Beneficiaries
Pending Requests
Customer can see all his pending requests using this option.
Follow below steps to see-
Enter 5 in the first menu of *99# banking and tap on send.
Customer will see a list of pending transactions if there are any.\
Transactions
Customer can see all the transactions done with *99# banking or BHIM app.
Enter 6 in the first menu of *99# banking and send.
Customer will see the list of transaction
UPI PIN
Customer can set or reset his UPI PIN if he forgot it. Customer can also change his UPI PIN
using this option. Enter 7 in the first menu of the *99# banking and hit send.
Customer will see two options, one for setting or resetting his UPI PIN and another for changing
UPI PIN.
The telecom service providers will charge to use NUUP services. The TRAI has set a limit of
0.50/ transaction. However, customer can contact telecom service operator to confirm exact
charges. The transactions limit for *99# banking is set to 5000 per transaction by Reserve
Bank of India (RBI).
The mobile banking service should be enabled in customer account to access *99#
services.
If it is not enabled, visit customer can visit branch to register himself for mobile banking.
Before start sending money through USSD banking, keep all required details such as
beneficiary MMID/ IFSC/ Adhar, mobile number, M-PIN etc.
The beneficiary needs not to register for mobile banking to receive funds. Customer can
still send money using his/her IFSC and account number. However, to receive money
using MMID, it is compulsory to register for mobile banking. Because banks allot MMID
to only those customer who register for mobile banking.
Moreover, if customer wants to receive money using only his mobile number or payment
address, then it is compulsory for him to activate UPI services in his account by creating
a VPA.
User can set default account for debit & credit through USSD
Funds can be transferred using Account Number & IFSC OR Mobile Number
More user friendly
No, dependency on Mobile Banking registration.
User can raise Request Money request
Authentication is through UPI PIN.
No Internet Connection required
No Smart phone required
E-Statement is a secured & convenient way for the customers; as they are able to get the
detailed statement on mail without visiting the Branch.
4 Cost: Free
6 Registration Through
a) Branch Existing Customers
i. Obtain written application from Customer. This should
have details of customers account number and E-Mail ID.
ii. After verification of customers signature, Maker to enter
details in UPEMAIL menu option in CBS
iii. Checker to verify the details.
iv. Please note that CBS will not allow ABH/SOLEOD in case
the verification is not done
New Customers
Obtain mandate at the time of opening of account. The
mandate is printed in the AOF.
b) Call Centre Customers can call on at toll frees Numbers
18001802222&18001032222
c) Internet Banking Login in to PNB Internet Banking, click on Other
Services>>Service Request>>New Request>>Email
Statements Registration
Detailed format:
Kindly activate the E-Statement facility in my account
maintained with BO: _____________. The details of my
account is as under:
Detailed format:
Kindly activate the E-Statement facility in my account
maintained with BO: _____________. The details of my
account is as under:
1 Customers account Number
2 Date of Birth Registered in CBS
3 E-Mail ID of the customer
The app is full of features and will act as single point destination for cardholders to operate
their credit card accounts seamlessly and without hassles. Given below are the salient
features of the proposed App:
Best in Industry- App is having one of the best User interfaces and features as under:
PNB Genie has significant benefits for our banking business highlighted below:-
Cost Minimization Will reduce the dependency on conventional channels like Call
Centre, manual resources etc. Hence, leading to reduction of input cost.
Excellent Tool for Mitigating risks Security features like blocking of card,
resetting of credit card PIN in a convenient and efficient manner.
Marketing Tool Helps bank to study customers behaviour and spending pattern.
The same could be utilized for credit card marketing and cross selling also.
Best Security Features The app will act as a handler to facilitate server related
requests. The app will be used by registered user only and registration will be
permitted after verification.
PNB Genie is presently available in Google Play Store and soon be made available on
Apple Store also. All android mobile users can download the app from Google Play.
Keeping in view the need and to provide more accessibility and user friendliness, HRMS Mobile
APP has been launched by worthy Managing Director & CEO Mrs. Usha Ananthasubramanian
on 123rd Foundation Day of the bank i.e 12 April 2017. HRMS Mobile APP can be registered
only with the mobile no as available in Basic Information of Employee in HRMS. It is therefore
mandatory to update mobile no in HRMS to use Mobile APP.
How to download?
Go to Play Store of your Android Mobile and search for PNB Parivar
Download the app & invoke.
Enter your PF Number
You will receive an OTP on your mobile number registered in HRMS
Enter OTP to proceed
Set your 4 digit MPIN and confirm by retyping the same.
Your PF Number and MPIN is required for subsequent logins
Features:
HRMS Mobile App is having following readily available features which are frequently used by
employees:
Leave Register: Leave can be applied through Mobile App and Leave Balance can also
be viewed.
IT Register: IT register for last Five years is available for ready reference.
Salary Slip: Employee can view the Salary Slip for current and previous months. All
details as available in web version is replicated in APP.
Undertaking: Petrol and Newspaper Undertaking can be submitted through the APP.
Locate an Employee: Any employee of the Bank can be located. Holiday Home
Availability: Availability of any holiday home for next 3 months can be checked.
Biometric Attendance: Status of In time and out time of Biometric Attendance for last 3
months can be seen.
Basic Information: Employees can see their basic information as available in HRMS.
By opening e Insurance Account (e IA), an Individual can buy and keep all insurance policies
from any insurer in electronic mode in a single account.
IRDA has entrusted NSDL Database Management Limited (NDML) to set up and manage
insurance repository by granting approval on July 31, 2013. NDML has named its insurance
repository as National Insurance-policy Repository (NIR).
Our Bank has become Approved Person (AP) for providing e-Insurance account (eIA)
facility to its clients.
Authorized Representative
The e-Insurance Account holder will mandatorily appoint an Authorized Representative (AR),
which is like a trustee to the e-Insurance Account (eIA). AR can access eIA in the event of the
eIA holder's demise or in his incapacity to access the eIA. The Authorized Representative can
only access the e-Insurance Account and know the portfolio of insurance policies.
eIA holder may appoint any person including his family member, nominee of any policy, friend,
etc as Authorized representative. Applicant is not required to provide any documentary proof for
the same. It is mandatory to provide details of Authorized Representative in eIA opening form,
these details include Name, Date of Birth, Gender, Relationship with eIA holder.
eIA holder has a right to change Authorized Representative. Authorized representative details
can be changed online by eIA holder.
Initially, e-IA Opening facility has been centralized at Depository Back Office, New Delhi.
After getting needful customization in the system, this facility would be made available to all
branches through e-Stock server (through which demat accounts are opened by all
branches) and user ID and password will be created for the purpose at the relevant time.
eIA opening is a onetime process. Once an eIA is opened, eIA holder will be able to get a credit
of all the insurance policies in the same account.
*******
Services to be rendered by the branches for opening of eIA under Insurance repository are as
under:-
To acquire eIA application, along with Proof of Identity, Proof of Address and Proof
of Date of Birth from the client for opening of Insurance Repository account.
Verification of details mentioned in application on the basis of KYC documents
submitted by the client (KYC documents from the list prescribed by IRDA)
Verification of photo copy of the KYC documents with originals and to attest those
documents (signatures with GBPA no) and placing branch stamp.
Branch will also place the legible stamp having branch name and Dist. No on e-IA
application and also write the name & contact no. of the dealing official on right
corner of the form.
eIA application form and duly attested KYC documents, shall be scanned and
emailed to Depository Back Office (DBO) at pnbdepository@pnb.co.in or shall be
faxed to them at 011-2373755. Thereafter, original documents to be sent to DBO.
*******
While accepting request from the customers for opening of eIA accounts, Branches to note that:
Only one eIA can be opened by an individual within and across Insurance repositories.
A given email ID and mobile number can be used only for maximum 3 e-
Insurance Accounts and
*******
KYC Documents
The following KYC documents are required for opening an e-Insurance Account :-
i) Recent passport size Colour Photograph
*******
On receiving copy of eIA application along with KYC documents from the branches
through Fax or email, DBO shall check the documents to ensure that details filled in
eIA application are as per the KYC Documents.
DBO may also cross check the details of bank account provided in AOF of e-IA with
CBS system.
If the eIA form and KYC documents are found in the order, the same shall be
entered and verified by DBO in NIR portal.
Till customization of the reports in the NIR system, DBO shall enter all eIA
application received by it from the branches in a register with following columns
DBO has to forward the Policy Conversion Form to NSDL Insurance Repository,
NSDL Database Management Limited, 4th Floor, 'A' Wing, Trade World, Kamala
Mills Compound, Senapati Bapat Marg, Lower Parel, Mumbai-400013 (INDIA).
*******
Once e-Insurance account is opened in the system, NDML will send Welcome Kit with
details of e-Insurance Account and modus operandi of its operation, the login ID and
password etc. to the client. Thereafter, client can get converted their existing policies into
electronic form.
******
Client has to fill up Policy Conversion Form which can be downloaded from
www.pnb.net.in or https://nir.ndml.in/nir-prossess.htm. (Separate Policy
Conversion Forms are to be filled for insurance policies of different insurance
companies).
A Client has following options to Submit the Policy Conversion Form :-
o Nearest insurance company branch (Policy Conversion Form should be
submitted to the insurance company of which client hold policy).
OR
o Nearest Approved Person (AP) i.e. nearest PNB Branch
o OR
o Courier to NDML.
o OR
o Scan and email Policy Conversion Form at helpdesk.nir@nsdl.co.in and
forward hard copy of form to above address.
Existing physical policy documents are not required to be submitted along
with the Policy Conversion Form.
Upon receipt of policy conversion request, insurance company will credit the policy in
clients e-Insurance Account.
Client will receive SMS and email alert from NIR informing credit of the policy to
his/her e-Insurance Account.
Client can also submit Policy Conversion Form along with e-Insurance Account
Opening Form to the branches.
*******
Approved Person (Branches) are not required to send any communication to e-Insurance
Account Holders. However, NDML will provide the following facilities to clients -
Welcome Kit with details of e-Insurance Account and modus operandi of its
operation, the login ID.
The statement of account giving the details of all policies held whenever additional
insurance is taken or a policy matures/surrendered/lapses would be provided to the
e-Insurance Account holder.
When a new policy is issued the insurer shall send an Insurance information sheet
containing the basic details of Insurance policy to the address stated.
*******
All requests for change of address, change in bank account details, change in
authorized representative & change in contact details shall be accepted along with
necessary supporting documents and after proper verification , same shall be forwarded
to Depository Back Office, New Delhi either through fax or scanning.
Record Keeping
Bank as approved person is required to retain and store the documents. As such, DBO
will preserve the original documents as per Banks laid down guidelines/procedure.
*******
Grievance Redressal
Address : NSDL Database Management Limited, 4th Floor, 'A' Wing, Trade World,
Kamala Mills Compound, Senapati Bapat Marg, Lower Parel, Mumbai-
400013.
Phone No : 91-22-49142631/49142502
Email : helpdesk.nir@nsdl.co.in
Client can also submit grievance Online (NIR Home Page > quick links > grievance/
query).
*******
Bank will receive nominal charges/commission for providing above services from NIR
which will be shared with the branches on 50:50 basis.
*******
Responsibilities of Bank
Dealing Officials at Branches to ensure completion of e-IA opening formalities as per KYC
guidelines so that Banks legal and regulatory obligations in respect of Know Your Customer
(KYC), Anti Money Laundering (AML) and Combating of Financing of Terrorism (CFT)
measures and obligation of Bank under prevention of Money Laundering Act, 2002 as amended
upto date are complied with.
*******
Enhanced Revenue
Bank would have an additional revenue stream to augment its fee-based income.
Bank can increase its product offerings to its customers. With this proposed
arrangement, PNB can offer one more instrument/options to clients. Existing manpower
at PNB branches can cross sell various products to our existing customers besides
acquiring the new customers.
No more risk of losing customers to other entities, as Investment savvy customers prefer
one-stop shops for all their financial needs.
Banking, Depository and now Repository services remain with the bank which will foster
Trust & Loyalty to the Bank.
*******
In order to align ourselves with initiatives of the government and its own vision of making the
Bank a Digital Bank it has been decided to launch PNB Aadhaar Pay, which provides
opportunity to Merchants to join cashless transaction platform. Aadhaar Pay is the merchant
version of Aadhaar Enabled Payment System (AEPS) which enables merchants to accept
payment from the Customer having Aadhaar enabled account using his/her Aadhaar number
and Biometrics after authentication from Unique Identification Authority of India (UIDAI).
Aadhaar Pay will enable customers to facilitate cashless purchases from the
Merchants in a cost effective and scalable manner, supporting the governments
initiatives towards boosting cashless transactions.
The application has been made available only for Individual Merchants, i.e. only those
who maintain either a Sole Proprietorship or Individual account with Bank, which should
necessarily be Adahaar seeded. Businessmen/ Merchants in other categories such as
Partnership Firms, Companies, Societies etc. are not eligible for this platform.
Aadhaar Pay is designed to address the requirement of merchants for receiving
payment upon delivering goods and services to their customers.
It does not require a buyer (customer) to carry debit/credit cards, install various payment
applications on his phone, type detailed USSD (Unstructured Supplementary Service
Data) codes to transfer money, or to have a phone to do cashless payments.
The PNB Aadhaar Pay application has been got developed by HOITD from M/S TCS. It
allows merchants to accept the Aadhaar number of the customer as a payment
instrument and the use of Biometric authentication for the purchase of goods and
services.
The upper limit for a single transaction with a customer is presently restricted to Rs.
2000/- per day.
Process of Merchant Acquiring Aadhaar Pay:
Bank Officials will identify interested merchant to be on boarded for Aadhaar Pay
having satisfactory conduct of account, get the prescribed Application Form and Letter of
Undertaking filled up and ensure that that the account of the merchant is KYC compliant.
An official/representative of the Bank will download the App from our Intranet and share/
upload the payment application on the Smartphone of the Merchant in an assisted mode
such as a Bluetooth transfer. Care is to be taken that only PNB official Aadhaar Pay App
is used for this purpose.
Once the application is installed on the Smartphone of the Merchant, he will need to put
in Bank details and Aadhaar Number to complete the process of registration.
The Smartphone, having the App installed and Merchant registered is then connected to
a biometric device (of specifications circulated by HO ITD from time to time) using micro
USB port of the Smartphone.
The Smartphone Biometric device combo will thus be ready to be put in use for
transactions.
When a customer (buyer) has to pay the merchant for any good or services, the
merchant using his Smartphone Biometric combo configured as above shall open the
preinstalled application of his phone.
Merchant shall ask the buyer to put in the Aadhaar number and Name of the Bank (from
which the payment is intended to be made) of the latter, i.e. the buyer into the
Smartphone.
The Application communicates with UIDAI and validates the customer credentials, i.e.
whether the Aadhaar number of the customer / Bank details are correct.
The Merchant then keys in the amount to be collected from the buyer customer and asks
the buyer to authenticate payment.
Buyer checks the Name of Merchant and the amount payable on the Smartphone of the
Merchant and put his thumb/ finger on biometric device. The biometric device captures
fingerprint impressions, sends it to UIDAI who validate the biometrics and on the basis of
this a mandate for payment triggers to the Bank of the buyer for transferring the amount
to the Bank account of the Merchant. The entire process is real time.
Charges:
Name of the Topic Prepared by Mobile number/Email Add Vetted by Mobile number/Email
(Mr/ /Ms) (Mr/ /Ms)
PNB Kitty ,Mobile Wallet 9878659730/
Suman Minocha 9811402512 /sminocha2@pnb.co.in R K Atreya rajeshatreya@pnb.co.in
Unified Payment Interface (UPI) 9878659730/
Suman Minocha 9811402512 /sminocha2@pnb.co.in R K Atreya rajeshatreya@pnb.co.in
Debit Cards 9910707767/ 9560147722/
D K Souparana dksouparana@gmail.com Nitin Khosla n.khosla@pnb.co.in
Prepaid Cards ( Uphaar Card & 9910707767/ 9560147722/
Suvidha Cards) D K Souparana dksouparana@gmail.com Nitin Khosla n.khosla@pnb.co.in
Internet Banking Services 9878659730/ 9811402512
R K Atreya rajeshatreya@pnb.co.in Suman Minocha /sminocha2@pnb.co.in
SMS Alerts Services 9878659730/
Suman Minocha 9811402512 /sminocha2@pnb.co.in R K Atreya rajeshatreya@pnb.co.in
PNB Mobile banking Services 9878659730/
Suman Minocha 9811402512 /sminocha2@pnb.co.in R K Atreya rajeshatreya@pnb.co.in
Customer Relationship 9878659730/ 9811402512
Management (CRM) R K Atreya rajeshatreya@pnb.co.in Suman Minocha /sminocha2@pnb.co.in
Real Time Gross Settlement 9981302977/ 9910707767/
(RTGS) Neha Dubey nehadubey@pnb.co.in D K Souparana dksouparana@gmail.com
National Electronic Fund Transfer 9981302977/ 9910707767/
(NEFT) Neha Dubey nehadubey@pnb.co.in D K Souparana dksouparana@gmail.com
National Automated Clearing 9981302977/ 9910707767/
House Neha Dubey nehadubey@pnb.co.in D K Souparana dksouparana@gmail.com
CTS 9981302977/ 9910707767/
Neha Dubey nehadubey@pnb.co.in D K Souparana dksouparana@gmail.com
ASBA (Branches) Centralized , 9981302977/ 9910707767/
ASBA Online & ASBA - Syndicate Neha Dubey nehadubey@pnb.co.in D K Souparana dksouparana@gmail.com
Credit cards 9910707767/ 9560147722/
D K Souparana dksouparana@gmail.com Nitin Khosla n.khosla@pnb.co.in
World Travel card 9981302977/
Nitin Khosla 9560147722/ n.khosla@pnb.co.in Neha Dubey nehadubey@pnb.co.in
Money Transfer Service Scheme 9981302977/
(MTSS Nitin Khosla 9560147722/ n.khosla@pnb.co.in Neha Dubey nehadubey@pnb.co.in
CMS(Cash Management Services) 9981302977/
Nitin Khosla 9560147722/ n.khosla@pnb.co.in Neha Dubey nehadubey@pnb.co.in
e-KYC 9981302977/
Nitin Khosla 9560147722/ n.khosla@pnb.co.in Neha Dubey nehadubey@pnb.co.in
Funds Collection Module 9878659730/
Suman Minocha 9811402512 /sminocha2@pnb.co.in R K Atreya rajeshatreya@pnb.co.in
Business Continuity Plan 9878659730/
Suman Minocha 9811402512 /sminocha2@pnb.co.in R K Atreya rajeshatreya@pnb.co.in
Information Security Policy 9981302977/
Nitin Khosla 9560147722/ n.khosla@pnb.co.in Neha Dubey nehadubey@pnb.co.in
Cyber Crime 9878659730/ 9811402512
R K Atreya rajeshatreya@pnb.co.in Suman Minocha /sminocha2@pnb.co.in
PNB YUVA 9878659730/
Suman Minocha 9811402512 /sminocha2@pnb.co.in R K Atreya rajeshatreya@pnb.co.in
Tab Banking 9878659730/
Suman Minocha 9811402512 /sminocha2@pnb.co.in R K Atreya rajeshatreya@pnb.co.in
PNB BIZ 9878659730/ 9811402512
R K Atreya rajeshatreya@pnb.co.in Suman Minocha /sminocha2@pnb.co.in
EDW(Enterprise wide Data Dinesh Gupta 9990941041/ 9560147722/
Warehouse) dinesh.kumar2@pnb.co.in Nitin Khosla n.khosla@pnb.co.in
DIGIDHAN CHAMPION 9878659730/
Suman Minocha 9811402512 /sminocha2@pnb.co.in R K Atreya rajeshatreya@pnb.co.in
BHIM(Bharat Interface for Money) 9981302977/ 9811402512
Neha Dubey nehadubey@pnb.co.in Suman Minocha /sminocha2@pnb.co.in
USSD 9981302977/ 9878659730/
Neha Dubey nehadubey@pnb.co.in Suman Minocha rajeshatreya@pnb.co.in
Suman Minocha 9811402512 /sminocha2@pnb.co.in Neha Dubey 9981302977/