{"id":17667,"date":"2025-02-17T15:46:05","date_gmt":"2025-02-17T10:16:05","guid":{"rendered":"https:\/\/fly.finance\/blog\/?p=17667"},"modified":"2025-02-17T16:02:43","modified_gmt":"2025-02-17T10:32:43","slug":"pnb-bsbda-account-interest-rates-limits-charges-how-to-open","status":"publish","type":"post","link":"https:\/\/fly.finance\/blog\/student-account\/pnb-bsbda-account-interest-rates-limits-charges-how-to-open\/","title":{"rendered":"PNB BSBDA Account: Interest Rates, Limits, Charges, How to Open"},"content":{"rendered":"\n<p>PNB Basic Savings Bank Deposit Account (BSBDA) is also commonly known as the PNB Zero Balance Account. It is designed to provide accessible banking services without the burden of maintaining a minimum balance. The PNB BSBDA Account offers free services like cash deposits, withdrawals, and ATM debit cards.&nbsp;<\/p>\n\n\n\n<p>The PNB Basic Savings Account offers flexibility and convenience is essential. Whether you&#8217;re a student, a minor aged 10 years or above, or an individual with limited income, the PNB BSBDA provides a hassle-free platform to manage your finances effectively. Let\u2019s explore details like interest rates, limits, charges, eligibility, and more in this blog.<\/p>\n\n\n\n<div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><h2 id=\"table-of-contents\">Table of contents<\/h2><ul><li><a href=\"#h-what-is-a-pnb-bsbda-account\" data-level=\"2\">What is a PNB BSBDA Account?<\/a><\/li><li><a href=\"#h-interest-rates-on-pnb-basic-savings-account\" data-level=\"2\">Interest Rates on PNB Basic Savings Account<\/a><\/li><li><a href=\"#h-eligibility-criteria-for-pnb-bsbda-account\" data-level=\"2\">Eligibility Criteria for PNB BSBDA Account<\/a><ul><li><a href=\"#h-other-terms-and-conditions-to-open-pnb-bsbda-account\" data-level=\"3\">Other Terms and Conditions to Open PNB BSBDA Account<\/a><\/li><\/ul><\/li><li><a href=\"#h-pnb-bsbda-account-limits\" data-level=\"2\">PNB BSBDA Account Limits<\/a><\/li><li><a href=\"#h-pnb-bsbda-account-transaction-limits\" data-level=\"2\">PNB BSBDA Account Transaction Limits<\/a><\/li><li><a href=\"#h-pnb-bsbda-account-charges\" data-level=\"2\">PNB BSBDA Account Charges<\/a><\/li><li><a href=\"#h-pnb-bsbda-account-opening-online\" data-level=\"2\">PNB BSBDA Account Opening Online<\/a><\/li><li><a href=\"#h-faqs\" data-level=\"2\">FAQs<\/a><\/li><\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-a-pnb-bsbda-account\"><span id=\"what-is-a-pnb-bsbda-account\">What is a PNB BSBDA Account?<\/span><\/h2>\n\n\n\n<p>The PNB Basic Savings Bank Deposit Account (BSBDA) is a zero-balance savings account that eliminates the requirement of maintaining a minimum balance.&nbsp;<\/p>\n\n\n\n<p>As per the <strong><a href=\"https:\/\/fly.finance\/blog\/student-account\/rbi-guidelines-on-basic-savings-bank-deposit-account-bsbda\/\">RBI guidelines on BSBDA accounts<\/a><\/strong>, the PNB BSBDA account offers essential banking services, including cash deposits and withdrawals at bank branches and ATMs, receipt of funds through electronic channels, and cheque collections from government agencies.\u00a0<\/p>\n\n\n\n<p>Designed to cater to the basic banking needs of individuals, the PNB BSBDA Account ensures that customers can access fundamental financial services without incurring additional charges for non-maintenance of balance.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-interest-rates-on-pnb-basic-savings-account\"><span id=\"interest-rates-on-pnb-basic-savings-account\">Interest Rates on PNB Basic Savings Account<\/span><\/h2>\n\n\n\n<p>The Punjab National Bank (PNB) Basic Savings Bank Deposit Account (BSBDA) offers account holders an opportunity to earn interest on their deposits. The interest rates for BSBDA are aligned with PNB&#8217;s standard savings account rates, which are structured based on the account balance.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Account Balance<\/strong><\/td><td><strong>Interest Rate (per annum)<\/strong><\/td><\/tr><tr><td>Up to INR 10 lakh<\/td><td>2.70%<\/td><\/tr><tr><td>Above INR 10 lakh to less than INR 100 crore<\/td><td>2.75%<\/td><\/tr><tr><td>INR 100 crore and above<\/td><td>3.00%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>These rates are effective as of January 1, 2023. It&#8217;s important to note that interest rates are subject to periodic revisions. Account holders are encouraged to check the latest rates on the official PNB website or contact their nearest branch for the most current information.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-eligibility-criteria-for-pnb-bsbda-account\"><span id=\"eligibility-criteria-for-pnb-bsbda-account\">Eligibility Criteria for PNB BSBDA Account<\/span><\/h2>\n\n\n\n<p>The PNB BSBDA Account is accessible to a wide range of individuals. Eligible applicants include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Single or joint account holders.<\/li>\n\n\n\n<li>Children aged 10 years and above can independently operate the account.<\/li>\n\n\n\n<li>Accounts can be opened under natural or legal guardianship for minors below 10 years.<\/li>\n\n\n\n<li>With appropriate safeguards, illiterate or visually impaired persons can also open and operate the account.<\/li>\n<\/ul>\n\n\n\n<p>This inclusive approach ensures that banking services are available to all segments of society, promoting financial inclusion.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-other-terms-and-conditions-to-open-pnb-bsbda-account\"><span id=\"other-terms-and-conditions-to-open-pnb-bsbda-account\">Other Terms and Conditions to Open PNB BSBDA Account<\/span><\/h3>\n\n\n\n<p>The PNB Basic Savings Bank Deposit Account (BSBDA) comes with specific terms and conditions to ensure proper account management:<\/p>\n\n\n\n<p><strong>Single Savings Account Policy<\/strong><strong><br><\/strong>If you open a BSBDA, you cannot have any other savings accounts in the same bank. If you already have a savings account with PNB, you need to close it within 30 days of opening the BSBDA.<\/p>\n\n\n\n<p><strong>Available Services<\/strong><br>With a BSBDA, you can deposit and withdraw cash at bank branches and ATMs. You can also receive money electronically or through cheques from government agencies.&nbsp;<\/p>\n\n\n\n<p><strong>No Inactivity Fees<\/strong><br>There are no charges if your account becomes inactive or if you need to reactivate it.&nbsp;<\/p>\n\n\n\n<p><strong>Conversion of &#8216;No-Frills&#8217; Accounts<\/strong><br>Existing &#8216;no-frills&#8217; accounts will be upgraded to BSBDA after completing the necessary Know Your Customer (KYC) requirements.<\/p>\n\n\n\n<p class=\"has-pale-ocean-gradient-background has-background\"><strong>Also Read: Explore a <\/strong><a href=\"https:\/\/fly.finance\/blog\/student-account\/list-of-banks-with-zero-balance-accounts-in-india\/\"><strong>list of banks in India offering zero balance accounts<\/strong><\/a><strong>. Open an account with no minimum balance requirement.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-pnb-bsbda-account-limits\"><span id=\"pnb-bsbda-account-limits\">PNB BSBDA Account Limits<\/span><\/h2>\n\n\n\n<p>One of the standout features of the PNB BSBDA Account is the absence of a minimum balance requirement. Customers can operate the account with a zero balance without facing any penalties or charges.<\/p>\n\n\n\n<p>Additionally, there are no PNB <a href=\"https:\/\/fly.finance\/blog\/student-account\/bsbda-account-limits-and-transaction-restrictions\/\"><strong>BSBDA account limits<\/strong><\/a> on the number or value of deposits that can be made in a month, providing customers with the flexibility to manage their funds as per their needs.<\/p>\n\n\n\n<p>However, PNB Small Savings Accounts have certain limits-<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Total credits: No more than INR 1 lakh in a year<\/li>\n\n\n\n<li>Total withdrawals: No more than INR 10,000 in a month<\/li>\n\n\n\n<li>Balance: No more than INR 50,000 at any time<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-pnb-bsbda-account-transaction-limits\"><span id=\"pnb-bsbda-account-transaction-limits\">PNB BSBDA Account Transaction Limits<\/span><\/h2>\n\n\n\n<p>While the PNB BSBDA Account offers flexibility in deposits, certain guidelines govern withdrawals to ensure optimal account management:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Withdrawals: <\/strong>A minimum of six withdrawals per month are allowed, including ATM withdrawals.<br><\/li>\n\n\n\n<li><strong>ATM Usage:<\/strong> Customers can withdraw cash from PNB ATMs free of charge. Withdrawals from other bank ATMs may incur charges beyond the free monthly transactions permitted.<\/li>\n<\/ul>\n\n\n\n<p>These guidelines help customers manage their transactions effectively while enjoying the benefits of a zero-balance account.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-pnb-bsbda-account-charges\"><span id=\"pnb-bsbda-account-charges\">PNB BSBDA Account Charges<\/span><\/h2>\n\n\n\n<p>The PNB zero-balance account ensures that customers can access fundamental financial services without the burden of maintaining a minimum balance or incurring unnecessary charges. Check out the nominal PNB BSBDA Account charges below-<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Chequebook:<\/strong> A complimentary chequebook of 10 leaves is issued per year at the discretion of the branch. Subsequent chequebooks are subject to standard charges.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Debit\/ATM Card:<\/strong> An ATM or ATM-cum-Debit Card is provided free of charge. However, annual maintenance charges apply.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Non-Operation Charges:<\/strong> No charges are levied for non-operation or activation of an inoperative account.<\/li>\n<\/ul>\n\n\n\n<p>These features ensure that customers can access essential banking services without incurring significant fees.<\/p>\n\n\n\n<p class=\"has-pale-ocean-gradient-background has-background\"><strong>Also Read: Discover the benefits of opening a <\/strong><a href=\"https:\/\/fly.finance\/blog\/student-account\/zero-balance-minor-account-opening-online\/\"><strong>zero balance minor account online<\/strong><\/a><strong>. Learn about the features, application process, and criteria.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-pnb-bsbda-account-opening-online\"><span id=\"pnb-bsbda-account-opening-online\">PNB BSBDA Account Opening Online<\/span><\/h2>\n\n\n\n<p>To enhance customer convenience, PNB offers the facility to open a BSBDA Account online. This streamlined process allows individuals to open a PNB BSBDA Account from the comfort of their homes, ensuring easy access to essential banking services.<\/p>\n\n\n\n<p>Check out the steps to open a PNB BSBDA Account online-<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Visit the official website and select the &#8216;Account Opening&#8217; section.<\/li>\n\n\n\n<li>Fill in the application form and provide the required personal and contact details.<\/li>\n\n\n\n<li>Upload necessary KYC documents as per RBI guidelines.<\/li>\n\n\n\n<li>Submit the application form online.<\/li>\n\n\n\n<li>Upon successful verification, the account will be activated, and account details will be communicated to the customer.<\/li>\n<\/ul>\n\n\n\n<p>To sum up, the PNB Basic Savings Bank Deposit Account is a customer-centric initiative that offers essential banking services without the burden of maintaining a minimum balance.&nbsp;<\/p>\n\n\n\n<p>Its inclusive eligibility criteria, minimal charges, and user-friendly online account opening process make it an excellent choice for individuals seeking a straightforward and cost-effective banking solution.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faqs\"><span id=\"faqs\">FAQs<\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1739786896758\"><strong class=\"schema-faq-question\">What is the PNB BSBDA account?<\/strong> <p class=\"schema-faq-answer\">The PNB BSBDA is a zero-balance savings account offering essential banking services without requiring a minimum balance. It&#8217;s designed to provide basic financial services to all individuals.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1739786897526\"><strong class=\"schema-faq-question\">What is the interest rate on PNB BSBDA account?<\/strong> <p class=\"schema-faq-answer\">As of January 1, 2023, PNB BSBDA accounts earn interest based on the account balance:<br\/>&#8211; Up to INR 10 lakh: 2.70% per annum<br\/>&#8211; Above INR 10 lakh to less than INR 100 crore: 2.75% per annum<br\/>&#8211; INR 100 crore and above: 3.00% per annum<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1739786897966\"><strong class=\"schema-faq-question\">Who can open PNB BSBDA account?<\/strong> <p class=\"schema-faq-answer\">Any individual, including minors aged 10 and above, can open a PNB BSBDA account. Illiterate and visually impaired individuals are also eligible.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1739786898388\"><strong class=\"schema-faq-question\">Can I open a PNB account with zero balance?<\/strong> <p class=\"schema-faq-answer\">Yes, the PNB BSBDA account allows you to open an account without any initial deposit or minimum balance requirement.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1739786898909\"><strong class=\"schema-faq-question\">What are the PNB BSBDA account limits?<\/strong> <p class=\"schema-faq-answer\">The PNB BSBDA account does not impose specific limits on account balances or transactions. However, services are basic, and certain transaction limits may apply.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1739786960016\"><strong class=\"schema-faq-question\">What are the PNB BSBDA transaction limits?<\/strong> <p class=\"schema-faq-answer\">Account holders are allowed a minimum of six free withdrawals per month, including ATM withdrawals. There is no limit on the number of deposits.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1739786960811\"><strong class=\"schema-faq-question\">What are the charges on the PNB Basic Savings Account?<\/strong> <p class=\"schema-faq-answer\">The PNB BSBDA account does not require a minimum balance and offers free ATM-cum-Debit Card issuance. Annual maintenance charges for the debit card apply. A free chequebook of 20 leaves is provided annually; additional chequebooks incur standard charges.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1739786961307\"><strong class=\"schema-faq-question\">Can I open two PNB BSBDA accounts?<\/strong> <p class=\"schema-faq-answer\">No, you cannot open multiple BSBDA accounts in the same bank. If you have existing savings accounts, you must close them within 30 days of opening a BSBDA.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1739786961709\"><strong class=\"schema-faq-question\">What documents are needed to open a PNB BSBDA Account?<\/strong> <p class=\"schema-faq-answer\">To open a PNB BSBDA account, you&#8217;ll need:<br\/>&#8211; A duly filled application form<br\/>&#8211; Identity proof (e.g., Aadhaar card, Passport, Voter ID)<br\/>&#8211; Address proof (e.g., utility bills, Passport, Aadhaar card)<br\/>&#8211; PAN card or Form 60\/61 if PAN is unavailable<br\/>&#8211; Two recent passport-sized photographs<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1739786962187\"><strong class=\"schema-faq-question\">How can I open a PNB BSBDA Account online?<\/strong> <p class=\"schema-faq-answer\">You can open a PNB BSBDA account online by visiting the official PNB website and filling out the online application form. Alternatively, you can visit a PNB branch to complete the process in person.<\/p> <\/div> <\/div>\n\n\n\n<p>To learn more about <a href=\"https:\/\/fly.finance\/loans\"><strong>education loans<\/strong><\/a>, the best <a href=\"https:\/\/fly.finance\/international-bank-account\"><strong>bank accounts for students<\/strong><\/a>, <a href=\"https:\/\/fly.finance\/forex\"><strong>forex<\/strong>,<\/a> banking experience for global students, or international money transfers, reach out to our experts at 1800572126 to help ease your experience with studying abroad.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-pale-ocean-gradient-background has-background has-fixed-layout\"><tbody><tr><td colspan=\"2\"><strong>Additional Reads<\/strong><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/student-account\/sbi-basic-savings-account-sbi-bsbda-account\/\"><strong>SBI Basic Savings Account<\/strong><\/a><\/td><td><a href=\"https:\/\/fly.finance\/blog\/student-account\/icici-bsbda-account-zero-balance-savings-account\/\"><strong>ICICI BSBDA Account<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/student-account\/hdfc-bsbda-small-savings-account\/\"><strong>HDFC BSBDA Small Savings Account<\/strong><\/a><\/td><td><a href=\"https:\/\/fly.finance\/blog\/student-account\/axis-bank-basic-savings-account-axis-bsbda-account\/\"><strong>Axis Bank Basic Savings Account<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/education-loan\/pnb-education-loan-processing-time\/\"><strong>PNB Education Loan Processing Time<\/strong><\/a><\/td><td><a href=\"https:\/\/fly.finance\/blog\/student-account\/pnb-vidyarthi-sf-account\/\"><strong>PNB Vidyarthi SF Account<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/education-loan\/pnb-education-loan-balance-transfer\/\"><strong>PNB Education Loan Balance Transfer<\/strong><\/a><\/td><td><a href=\"https:\/\/fly.finance\/blog\/student-account\/debit-cards\/pnb-international-debit-card-apply-online\/\"><strong>PNB International Debit Card Apply Online<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/money-transfer\/pnb-forex-and-currency-exchange\/\"><strong>PNB Forex &amp; Currency Exchange<\/strong><\/a><\/td><td><a href=\"https:\/\/fly.finance\/blog\/education-loan\/pnb-interest-certificate\/\"><strong>PNB Interest Certificate<\/strong><\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Follow Us on Social Media <\/strong><\/p>\n\n\n\n<ul class=\"wp-block-social-links is-layout-flex wp-block-social-links-is-layout-flex\"><li class=\"wp-social-link wp-social-link-instagram  wp-block-social-link\"><a href=\"https:\/\/instagram.com\/flydotfinance\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" 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s0.484,1.08,1.08,1.08c0.596,0,1.08-0.484,1.08-1.08S17.401,6.116,16.804,6.116z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">Instagram<\/span><\/a><\/li>\n\n<li class=\"wp-social-link wp-social-link-linkedin  wp-block-social-link\"><a href=\"https:\/\/www.linkedin.com\/company\/flyfinance\/\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M19.7,3H4.3C3.582,3,3,3.582,3,4.3v15.4C3,20.418,3.582,21,4.3,21h15.4c0.718,0,1.3-0.582,1.3-1.3V4.3 C21,3.582,20.418,3,19.7,3z M8.339,18.338H5.667v-8.59h2.672V18.338z M7.004,8.574c-0.857,0-1.549-0.694-1.549-1.548 c0-0.855,0.691-1.548,1.549-1.548c0.854,0,1.547,0.694,1.547,1.548C8.551,7.881,7.858,8.574,7.004,8.574z M18.339,18.338h-2.669 v-4.177c0-0.996-0.017-2.278-1.387-2.278c-1.389,0-1.601,1.086-1.601,2.206v4.249h-2.667v-8.59h2.559v1.174h0.037 c0.356-0.675,1.227-1.387,2.526-1.387c2.703,0,3.203,1.779,3.203,4.092V18.338z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">LinkedIn<\/span><\/a><\/li>\n\n<li class=\"wp-social-link wp-social-link-twitter  wp-block-social-link\"><a href=\"https:\/\/twitter.com\/flydotfinance\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M22.23,5.924c-0.736,0.326-1.527,0.547-2.357,0.646c0.847-0.508,1.498-1.312,1.804-2.27 c-0.793,0.47-1.671,0.812-2.606,0.996C18.324,4.498,17.257,4,16.077,4c-2.266,0-4.103,1.837-4.103,4.103 c0,0.322,0.036,0.635,0.106,0.935C8.67,8.867,5.647,7.234,3.623,4.751C3.27,5.357,3.067,6.062,3.067,6.814 c0,1.424,0.724,2.679,1.825,3.415c-0.673-0.021-1.305-0.206-1.859-0.513c0,0.017,0,0.034,0,0.052c0,1.988,1.414,3.647,3.292,4.023 c-0.344,0.094-0.707,0.144-1.081,0.144c-0.264,0-0.521-0.026-0.772-0.074c0.522,1.63,2.038,2.816,3.833,2.85 c-1.404,1.1-3.174,1.756-5.096,1.756c-0.331,0-0.658-0.019-0.979-0.057c1.816,1.164,3.973,1.843,6.29,1.843 c7.547,0,11.675-6.252,11.675-11.675c0-0.178-0.004-0.355-0.012-0.531C20.985,7.47,21.68,6.747,22.23,5.924z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">Twitter<\/span><\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>PNB Basic Savings Bank Deposit Account (BSBDA) is also commonly known as the PNB Zero Balance Account. It is designed to provide accessible banking services without the burden of maintaining a minimum balance. The PNB BSBDA Account offers free services like cash deposits, withdrawals, and ATM debit cards.&nbsp; The PNB Basic Savings Account offers flexibility &#8230; <a title=\"PNB BSBDA Account: Interest Rates, Limits, Charges, How to Open\" class=\"read-more\" href=\"https:\/\/fly.finance\/blog\/student-account\/pnb-bsbda-account-interest-rates-limits-charges-how-to-open\/\" aria-label=\"Read more about PNB BSBDA Account: Interest Rates, Limits, Charges, How to Open\">Read more<\/a><\/p>\n","protected":false},"author":29,"featured_media":17668,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[93],"tags":[],"class_list":["post-17667","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-student-account"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>PNB BSBDA Account<\/title>\n<meta name=\"description\" content=\"Discover the benefits of PNB&#039;s Basic Savings Bank Deposit Account\u2014zero balance, free ATM card, and more. Open your PNB BSBDA Account today!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fly.finance\/blog\/student-account\/pnb-bsbda-account-interest-rates-limits-charges-how-to-open\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"PNB BSBDA Account: Interest Rates, Limits, Charges, How to Open\" \/>\n<meta property=\"og:description\" content=\"Discover the benefits of PNB&#039;s Basic Savings Bank Deposit Account\u2014zero balance, free ATM card, and more. 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I'm Shubhika- a proud graduate in English Literature and Language from Delhi University. My journey as a content writer transitioned from online teacher into the world of words. Stepping into the domain of blogs and articles, I discovered my passion for writing growing deeper and stronger. Having said that, I have experience of writing for diverse industries in automobile, technology, ed-tech, finance and mental-health; crafting details to help you find the solution to what you are looking for. Join me as I invite you all explore and learn together.","sameAs":["https:\/\/www.facebook.com\/shubhika.garg\/","https:\/\/www.instagram.com\/shubhika.garg\/","https:\/\/www.linkedin.com\/in\/shubhikagarg71\/","https:\/\/www.tumblr.com\/blog\/shubhikahere"],"url":"https:\/\/fly.finance\/blog\/author\/shubhika\/"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/student-account\/pnb-bsbda-account-interest-rates-limits-charges-how-to-open\/#faq-question-1739786896758","position":1,"url":"https:\/\/fly.finance\/blog\/student-account\/pnb-bsbda-account-interest-rates-limits-charges-how-to-open\/#faq-question-1739786896758","name":"What is the PNB BSBDA account?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"The PNB BSBDA is a zero-balance savings account offering essential banking services without requiring a minimum balance. It's designed to provide basic financial services to all individuals.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/student-account\/pnb-bsbda-account-interest-rates-limits-charges-how-to-open\/#faq-question-1739786897526","position":2,"url":"https:\/\/fly.finance\/blog\/student-account\/pnb-bsbda-account-interest-rates-limits-charges-how-to-open\/#faq-question-1739786897526","name":"What is the interest rate on PNB BSBDA account?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"As of January 1, 2023, PNB BSBDA accounts earn interest based on the account balance:<br\/>- Up to INR 10 lakh: 2.70% per annum<br\/>- Above INR 10 lakh to less than INR 100 crore: 2.75% per annum<br\/>- INR 100 crore and above: 3.00% per annum","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/student-account\/pnb-bsbda-account-interest-rates-limits-charges-how-to-open\/#faq-question-1739786897966","position":3,"url":"https:\/\/fly.finance\/blog\/student-account\/pnb-bsbda-account-interest-rates-limits-charges-how-to-open\/#faq-question-1739786897966","name":"Who can open PNB BSBDA account?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Any individual, including minors aged 10 and above, can open a PNB BSBDA account. Illiterate and visually impaired individuals are also eligible.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/student-account\/pnb-bsbda-account-interest-rates-limits-charges-how-to-open\/#faq-question-1739786898388","position":4,"url":"https:\/\/fly.finance\/blog\/student-account\/pnb-bsbda-account-interest-rates-limits-charges-how-to-open\/#faq-question-1739786898388","name":"Can I open a PNB account with zero balance?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes, the PNB BSBDA account allows you to open an account without any initial deposit or minimum balance requirement.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/student-account\/pnb-bsbda-account-interest-rates-limits-charges-how-to-open\/#faq-question-1739786898909","position":5,"url":"https:\/\/fly.finance\/blog\/student-account\/pnb-bsbda-account-interest-rates-limits-charges-how-to-open\/#faq-question-1739786898909","name":"What are the PNB BSBDA account limits?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"The PNB BSBDA account does not impose specific limits on account balances or transactions. However, services are basic, and certain transaction limits may apply.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/student-account\/pnb-bsbda-account-interest-rates-limits-charges-how-to-open\/#faq-question-1739786960016","position":6,"url":"https:\/\/fly.finance\/blog\/student-account\/pnb-bsbda-account-interest-rates-limits-charges-how-to-open\/#faq-question-1739786960016","name":"What are the PNB BSBDA transaction limits?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Account holders are allowed a minimum of six free withdrawals per month, including ATM withdrawals. There is no limit on the number of deposits.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/student-account\/pnb-bsbda-account-interest-rates-limits-charges-how-to-open\/#faq-question-1739786960811","position":7,"url":"https:\/\/fly.finance\/blog\/student-account\/pnb-bsbda-account-interest-rates-limits-charges-how-to-open\/#faq-question-1739786960811","name":"What are the charges on the PNB Basic Savings Account?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"The PNB BSBDA account does not require a minimum balance and offers free ATM-cum-Debit Card issuance. Annual maintenance charges for the debit card apply. A free chequebook of 20 leaves is provided annually; additional chequebooks incur standard charges.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/student-account\/pnb-bsbda-account-interest-rates-limits-charges-how-to-open\/#faq-question-1739786961307","position":8,"url":"https:\/\/fly.finance\/blog\/student-account\/pnb-bsbda-account-interest-rates-limits-charges-how-to-open\/#faq-question-1739786961307","name":"Can I open two PNB BSBDA accounts?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"No, you cannot open multiple BSBDA accounts in the same bank. If you have existing savings accounts, you must close them within 30 days of opening a BSBDA.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/student-account\/pnb-bsbda-account-interest-rates-limits-charges-how-to-open\/#faq-question-1739786961709","position":9,"url":"https:\/\/fly.finance\/blog\/student-account\/pnb-bsbda-account-interest-rates-limits-charges-how-to-open\/#faq-question-1739786961709","name":"What documents are needed to open a PNB BSBDA Account?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"To open a PNB BSBDA account, you'll need:<br\/>- A duly filled application form<br\/>- Identity proof (e.g., Aadhaar card, Passport, Voter ID)<br\/>- Address proof (e.g., utility bills, Passport, Aadhaar card)<br\/>- PAN card or Form 60\/61 if PAN is unavailable<br\/>- Two recent passport-sized photographs","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/student-account\/pnb-bsbda-account-interest-rates-limits-charges-how-to-open\/#faq-question-1739786962187","position":10,"url":"https:\/\/fly.finance\/blog\/student-account\/pnb-bsbda-account-interest-rates-limits-charges-how-to-open\/#faq-question-1739786962187","name":"How can I open a PNB BSBDA Account online?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"You can open a PNB BSBDA account online by visiting the official PNB website and filling out the online application form. Alternatively, you can visit a PNB branch to complete the process in person.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/17667","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/users\/29"}],"replies":[{"embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/comments?post=17667"}],"version-history":[{"count":2,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/17667\/revisions"}],"predecessor-version":[{"id":17674,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/17667\/revisions\/17674"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/media\/17668"}],"wp:attachment":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/media?parent=17667"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/categories?post=17667"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/tags?post=17667"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}