Bareilly Up Central 115100 Kasta Lakhimpur Kasta Lakh

1151000100166277 om rakash1151001500014546 ashok kumar

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Please note:1.You can login to Internet banking immediately but to view complete information about your accounts, it is requested to wait for 24-48 hours as your Account(s) will be updated in Internet Banking within 24-48 hrs.Kindly do not share your personal details and password through email, phone, SMS or otherwise. Bank never asks for such information from its customers. 

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Terms & Conditions 

NOTICEYour use of this website constitutes your agreement to be bound by these TERMS of use. By using this website you signify your assent to these terms of use. If you do not agree to these terms of use, please do not use the site. 

1. DEFINITIONSIn this document the following words and phrases have the meaning set opposite them unless the context indicates otherwise:BANK refers to Punjab National Bank, a body corporate constituted in India under the Banking Companies (Acquisition and Transfer of Undertakings) Act No. 5 of 1970 and having its Head Office at 7, Bhikhaiji Cama Place, New Delhi 110066 and includes its successors and assigns.

WEBSITE means website of the Bank with URL: http://www.pnbindia.com and/or http://www.netpnb.comUSER refers to a customer of the BANK authorised to use Internet Banking Services available on BANK's website with URL:http://www.pnbindia.com and/or http://www.netpnb.com'INTERNET BANKING' refers to the Internet banking service offered by BANK to the user including services such as enquiry about balance in the Account, details about transactions in the Account(s), statement of Account, transfer of funds, bill payment and any other service as the BANK may decide to provide from time to time through Internet.'Internet Banking Account' refers to the USER's Savings and/ or Current Account and/ or any other type of account so designated by the BANK to be eligible account(s) for operations through the use of Internet Banking Channel.PERSONAL INFORMATION refers to the information about the USER obtained in connection with the Internet Banking Service.One Time Password refers to one time 6 digit pass code that would be sent to the customer’s mobile number registered with the Bank for SMS Alerts.TERMS refer to Terms and Conditions for use of Internet Banking Services as specified in this document. 

2. APPLICABILITY OF TERMSThese TERMS form the contract between the USER using the Internet Banking services and the BANK. The user shall apply to BANK in the prescribed form for use of Internet Banking. By applying for Internet Banking Services and accessing the service the USER acknowledges and accepts these TERMS. Any conditions relating to the accounts of the customer other than these TERMS will continue to apply except that in the event of any conflict between these TERMS and the account conditions, these TERMS will continue to prevail.The agreement shall remain valid until it is replaced by another agreement or terminated by either party or the account is closed , whichever is earlier.The user agrees that in the event the user avails of any services offered by BANK through the website: http://pnbindia.com and/or http://www.netpnb.com, the user shall be bound by all the terms and conditions stipulated by BANK pertaining to such services offered by BANK from time to time and availed by the user through the aforesaid website(s). 

3. APPLICATION FOR INTERNET BANKING SERVICESThe BANK may offer Internet Banking Service to selected customers at its discretion. The customer would need to be a current Internet user or have legal access to the Internet and knowledge of how the Internet works. The acceptance of the registration and the acknowledgment thereof does not automatically imply the acceptance of application for Internet Banking Services The BANK may advise from time to time the Internet software such as Browser, which are required for using Internet Banking Services. There will be no obligation on the part of the BANK to support all the versions of these Internet softwares and their updates. 

4. INTERNET BANKING SERVICESThe BANK shall endeavor to provide to the USER through Internet Banking services such as inquiry about the balance in his account(s), details about transactions, Statement of Account, Request for issue of cheque-books, Request for transfer of funds between accounts of the same USER and many other facilities as the BANK may decide to provide from time to time. These facilities shall be offered in a phased manner at the discretion of the BANK.

The Bank at its sole discretion may also make additions/ deletions to the Internet Banking Services being offered. The availability/ non-availability of a particular service shall be advised through email, web page of the BANK or written communication.The BANK shall take reasonable care to, ensure the security of and prevent unauthorised access to the Internet Banking Services using technology reasonably available to the BANK in India.The USER shall not use or permit to use Internet Banking Service or any related service for any illegal, fraudulent, dishonest or improper purposes. 

5. INTERNET BANKING SERVICE ACCESSThe USER would be allotted a User-id and a secret password (to be used at the time of login) by the BANK in the first instance. The USER will be required to mandatory change the password assigned by the BANK on accessing Internet Banking Services for the first time. For authentication of the transactions a separate transaction password will be allotted.As a safety measure the USER shall change the password as frequently thereafter as possible. In addition to User-id and Password the BANK may, at its discretion, advise the USER to adopt such other means of authentication including but not limited to digital certification and/ or smart cards issued by licensed or approved Certifying Authorities or vendors. 

6. USER-ID AND PASSWORDThe USER must:(a) keep the User-id and password totally confidential and not reveal the password to any third party;(b) change the password at the time of first log in;(c) create a password of at least 6 characters long and shall consist of a mix of alphabets, numbers and special characters which must not relate to any readily accessible personal data such as the USER's name, address, telephone number, vehicle number, driver licence etc. or easily guessable combination of letters and / or numbers;(d) commit the user-id and password to memory and not record them in a written or electronic form; and(e) Not let any unauthorised person have access to his computer or leave the computer unattended while using Internet Banking Services.In the event of forgetting of user-id and/or password or expiry/ disability of password(s) USER can request for change of the password by sending a written request to the BANK. The selection of a new password and/ or the replacement of User-id shall not be construed as the commencement of a new contract.The user agrees and acknowledges that BANK shall in no way be held responsible or liable if the user incurs any loss as a result of compromise of User-id and password by the user himself or user has failed to follow the Internet Banking Service instructions as published by the BANK on the website from time to time. User agrees to fully indemnify and hold harmless BANK in respect of the same. 

DISABLE OF USER IDInternet Banking Password / User ID shall get locked after a number of incorrect attempts, up to such number (at present 5 failed attempts) as may be decided by the Bank from time to time. User ID / password can be enabled through the branch. 

DEACTIVATION OF USER IDThe Bank has the discretion to deactivate a User’s Internet Banking ID, if the same has not been used for a period defined by the Bank. Also the Bank has the right to deactivate the Internet Banking login of User due to unsatisfactory behavior in the account. 

7. JOINT ACCOUNTSThe Internet Banking Services will be available in case of joint accounts only if the mode of operation is indicated as 'either or survivor' or 'anyone or survivor' or 'former or survivor'. For 'former or survivor' account, user-id will be issued only to the 'former'For 'either or survivor' and 'anyone or survivor' accounts one user-id will be issued to one of the joint account holders. The other joint account holder(s) shall expressly agree with this arrangement and give their consent on the application form for use of Internet Banking Services.In case of 'either or survivor' and 'anyone or survivor' accounts if any of the joint account holder(s) gives 'stopping of operations' instructions for the use of Internet Banking Service in writing, on any of the Internet Banking Service -accounts held jointly by them, the Internet Banking Services will be discontinued for the USER. In case of 'former and survivor' account, such instructions cannot be issued by other account holder. All transactions arising from the use of Internet Banking in the joint account shall be binding on all the joint account holders, jointly and severally notwithstanding that one amongst such joint account holders only operates the accounts through Internet Banking Services. 

8. ACCOUNTS IN THE NAME OF MINORSIn case of accounts opened for and on behalf of minors, the Internet Banking facility shall not be made available to the minor. The natural guardian of the minor shall be permitted to use Internet banking. The natural guardian shall undertake to give all instructions relating to the operation of the account and shall also undertake not to reveal the User ID and Password to the minor, which if done so, will be at the risk and consequences of the guardian and the Bank shall not be liable for any loss in case the account is operated by the minor. In such an event, the transaction will be deemed to have been undertaken by the guardian.

9. REQUIREMENT OF MINIMUM BALANCEThe USER shall maintain, at all times, such minimum balance in Internet Banking account(s), as the BANK may stipulate from time to time. The BANK may, at its discretion, levy penal charges for non-maintenance of the minimum balance. The BANK may withdraw the Internet Banking Services facility, if at any time the amount of deposit falls short of the required minimum as aforesaid and/ or if the other charges remain unpaid, without giving any further notice to the USER and/ or without incurring any liability or responsibility whatsoever by reason of such withdrawal. 

10. CHARGESThe Bank at its discretion from time to time may specify charges for usage of Internet Banking Services and/or additional charges for selected services, which will be advised to the USER at the time of opening the account and also be published on the Web site of the BANK. All out of pocket expenses where ever applicable will be borne by the user.

The USER/USER and the other account holder(s) (in case of joint accounts) authorize(s) to recover all charges related to Internet Banking Services as determined by the BANK from time to time by debiting any of the USER's account(s) and any of the other joint account holder'(s) account(s). Any further change in the charges/fees shall be notified on the Bank's website. 

11. FUNDS TRANSFERThe USER shall not use or attempt to use Internet Banking Services for funds transfer - as and when the facility is made available to him, if he has insufficient funds in his Internet Banking Services account or without a pre-existing arrangement with the Bank for the grant of an overdraft facility. The BANK will endeavor to effect such funds transfer transactions received through Internet Banking Services provided there are sufficient funds available in the USER's account.The BANK shall not be liable for any omission to make all or any of the payments or for late payments due to circumstances beyond the reasonable control of the BANK In the event of overdraft created due to oversight/inadvertently, the USER will be liable to pay the interest on such over drawn amount, as decided by the BANK from time to time.

A. FUNDS TRANSFER TO OTHER ACCOUNTS/CREDIT CARDSThe User accepts that he/she will be responsible for keying in the correct account number/other particulars of the beneficiary for the funds transfer request. In no event, the Bank will be held liable for any erroneous transactions incurred arising out of or relating to the User entering wrong/incorrect/incomplete account number, information of the beneficiary and/or any other particulars.If funds transfer is made available to the User, it may be used for transfer of funds between Users own accounts and/or from User account to accounts belonging to third parties maintained at the Bank and/or accounts maintained at other Banks. In the eventfunds are transferred in the accounts belonging to third parties maintained at any other Bank, which falls under the network of Reserve Bank of India's Electronic Fund Transfer System, the same shall be governed by the Terms of Service (Terms and Conditions) applicable to National Electronic Fund Transfer ('NEFT'), Real-Time Gross Settlement System ('RTGS') and Immediate Payment Service (IMPS) of the Reserve Bank of India/NPCI.

B. BILL PAYMENTSThe User agrees and accepts the Internet Banking services as provided by the Bank at his/her requests to carry out his/her bill payments through Internet Banking services of the Bank as made available to him/her from time to time. If the bill amount exceeds the maximum limit set up by the User for 'Auto Pay', the bill will be set for manual payment. The User has to provide correct identification details as registered with the biller. In case of any change in the identification details, it is the User's responsibility to register the changes immediately. Any dispute on bill details will be settled directly by the User with the Biller and the Bank's responsibility is limited to providing information only. The User shall make payments at least few* working days prior to the due date of the bill.The User further agrees that it shall solely be the User's responsibility to schedule payments at least few* working days prior to the due date of the bill. In the event of late payment, the bank will not be liable and the User shall be liable for late payment charges and other consequence as may be enforced by

the Biller. The User has no objection whatsoever to the billing company providing his/her billing details to the Bank.The User unconditionally agrees that he/she shall not hold the Bank liable for:1. Such transactions that are carried out on his/her instructions by the Bank in good faith.2. Not carrying out such instructions where the Bank has reason to believe (which decision of the Bank he/she shall not question/dispute) that the instructions are not genuine or are otherwise unclear, improper, vague or doubtful.3. Accepting instructions given by any one of the Users in case of joint accounts.4. For any loss or damage incurred or suffered by him/her due to any error, defect, failure or interruption in the provision of bill payment services arising from or caused by any reason whatsoever.5. Withdrawing/suspending the facility wholly/partially. However the Bank will endeavor to notify the User through its website or through any legally recognized medium of communication or otherwise as found suitable by the Bank.The User agrees that the record of instructions given and transactions with the Bank shall be conclusive proof and binding for all purposes and can be used as evidence in any proceedings.

6. USER-ID AND PASSWORDThe USER must:

C. MERCHANT PAYMENTSThe Bank provides the facility of payment for transactions executed on Internet through different sites. The Bank will execute such transactions and will be responsible for transferring the amount debited from the User's account to the Service /merchants' account. The Bank shall not be held responsible for failure of such transactions. In no event shall the Bank be held responsible/liable for any informational content provided on any such site or for any deficiency in the services/products offered by such sites.

D. STANDING INSTRUCTIONS/SCHEDULED PAYMENTSThe User can set ‘Standing Instructions’ or 'Schedule Payments' as on a required date i.e. the date on which the Users account shall get debited in the functionality where it is available. If the User wishes to modify / cancel this 'Standing Instruction / Scheduled Payments', the same should be done 1 day prior to the schedule date.

E. TRANSACTION PROCESSING TIMEInstantaneous Transactions - All the instructions for instantaneous transactions received before the cut off time of the specified transaction, will be given effect to instantaneously unless until some processing work or maintenance activity is being done or some unavoidable circumstances beyond the control of the Bank occur. E.g.: Fund Transfer, Third Party Fund Transfer, stop payment etc. 

12. AUTHORITY TO THE BANKBanking transactions in the User's account(s) are permitted through Internet, only after authentication of the User-id and password of the USER. The USER (along with the joint account holder, if any) grants express authority to the BANK for carrying out the banking transactions performed by him through Internet Banking ServicesThe BANK shall have no obligation to verify the authenticity of any transaction received from the USER through Internet Banking Service or purporting to

have been sent by the USER via Internet Banking Services, other than by means of verification of the User-id and the password. The display or printed output that is generated by the USER at the time of operation of Internet Banking Services is a record of the operation of the Internet access and shall not be construed as the Bank's record of the relative transactions. The Bank's own records generated by the transactions arising out of the use of the Internet Banking, including the time the transaction recorded shall be conclusive proof of the genuineness and accuracy of the transaction and shall be accepted as conclusive and binding for all purposes.While BANK shall endeavour to carry out the instructions promptly, it shall not be responsible for any delay in carrying on the instructions due to any reason whatsoever, including due to failure of operational systems or any requirement of law. All transactions arising from the use of Internet Banking Services to operate a joint account, shall be binding on all the joint account holders, jointly and severally, notwithstanding that one amongst such joint account holders only operates the accounts through Internet Banking Services. 

13. INSTRUCTIONSAll instructions for Internet Banking shall be given, through computer system or otherwise as advised by BANK for the purpose, by the user in the manner indicated by BANK. The user is also responsible for the accuracy and authenticity of the instructions provided to BANK and the same shall be considered to be sufficient to operate the Internet Banking. The BANK shall not be required to independently verify the instructions, and the instruction shall remain effective till such time the same is countermanded by further instructions by the user. BANK shall have no liability if it does not or is unable to stop or prevent the implementation of an instruction, which is subsequently countermanded.Where BANK considers the instructions to be inconsistent or contradictory it may seek clarification from the user before acting on any instruction of the user or act upon any such instruction as it deems fit. BANK states that it has no liability or obligation to keep a record of the instructions to provide information to the user or for verifying user's instructions.BANK may refuse to comply with the instructions without assigning any reason and shall not be under any duty to assess the prudence or otherwise of any instruction and have the right to suspend the operations through the Internet Banking if it has reason to believe that the user's instructions will lead or expose to direct or indirect loss or may require an indemnity from the user before continuing to operate the Internet Banking.Any instruction, order, direction, request entered using the password of the user shall be deemed to be an instruction, order, directive, request received from the user. All instructions, requests, directives, orders, directions, entered by the user, either electronically or otherwise, are based upon the user's decisions and are the sole responsibility of the user. The user understands that entering an instruction, direction, order, request with BANK, either electronically or otherwise, does not guarantee execution of such instruction, direction, order or request. BANK shall not be deemed to have received any instruction, direction, order, request electronically transmitted by the user until it confirms the receipt of such instruction, direction, order, request. 

14. ACCURACY OF INFORMATIONThe USER is responsible for the correctness of information supplied to the BANK through the use of Internet Banking Services or through any other means such as electronic mail or written communication.

The BANK accepts no liability for the consequences arising out of erroneous information supplied by the USER. If the USER suspects that there is an error in the information supplied to the BANK by him, he shall advise the BANK at the earliest. The BANK will endeavor to correct the error wherever possible on a 'best efforts' basis. If the USER notices an error in the account information supplied to him through Internet Banking Service, he shall advise the BANK at the earliest. The BANK will endeavor to correct the error promptly and adjust any interest or charges arising out of the error. 

15. LIABILITY OF THE USER AND THE BANKa. The User shall be liable fori. Non-compliance of Terms of Service (Terms and Conditions) mentioned herein.ii. If he/she has breached the Terms of Service (Terms and Conditions) or contributed or caused the loss by negligent actions such as the following: In disclosing or failing to take all reasonable steps to prevent disclosure of the User-id and/or password to anyone including Bank staff and/or failing to advise the Bank of such disclosure within a reasonable time.? Not advising the Bank within a reasonable time about unauthorized access to or erroneous transactions in the account(s) through the Internet Banking Services.

B. LIABILITIES OF THE BANKi. The Bank shall not be held liable for any unauthorized transactions in the account(s) through the use of Internet Banking Services which can be attributed to the fraudulent or negligent conduct of the User.ii. The Bank shall not be liable to the account holder(s) for any damages whatsoever whether such damages are direct, indirect, incidental, consequential and irrespective of whether any claim is based on investment or any other loss of any character or nature whatsoever and whether sustained by the account holder(s) or any other person, if Internet Banking access is not available in the desired manner for reasons including but not limited to natural calamity, fire and other natural disasters, legal restraints ,faults in the telecommunication network or Internet or network failure ,software or hardware error or any other reasons beyond the control of the Bank.iii. The Bank shall make endeavor to take all possible steps to maintain secrecy and confidentiality of its customer account(s)/information but shall not be liable to the account holder(s) for any damages whatsoever caused on account of breach of secrecy/confidentiality due to reasons beyond the control of the Bank.iv. Bank, for valid reasons, may refuse to execute any instructions placed by the User.v. The Bank will in no way be held responsible or liable for delay, failure and/or untimely delivery of SMS password and/or SMS Alerts due to but not limited to network congestions, network failure, systems failure or any others reasons beyond the reasonable control of the Bank or its service provider(s).vi. Notwithstanding anything contained herein, where Bank has reason to believe that any transaction or marking of liens, have been fraudulently made (hereinafter referred to as a 'suspect transaction'), Bank shall be entitled to withhold payment pertaining to such suspect transaction in accordance with regulatory laws relating to Money Laundering or otherwise. If Bank determines after due enquiry and investigation that the transaction is a valid transaction and not a suspect transaction, Bank shall release such withheld payment subsequently.

16. DISCLAIMER OF WARRANTIES

The user expressly agrees that use of the website is at its sole risk and cost. The services offered on the website is provided on an 'as is' and 'as available'Except as warranted in the TERMS, BANK expressly disclaims all warranties of any kind, whether express or implied or statutory, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose, data accuracy and completeness, and any warranties relating to non-infringement in Internet Banking.BANK does not warrant that access to the website and Internet Banking shall be uninterrupted, timely, secure, or error free nor does it make any warranty as to the results that may be obtained from the website or use, accuracy or reliability of Internet Banking. BANK will not be liable for any virus or computer contaminant that may enter the user's system as a result of the user using Internet Banking. BANK does not guarantee to the user or any other third party that Internet Banking would be virus or computer contaminant free. 

17. INDEMNITYIn consideration of BANK providing the user the Internet Banking, the user shall, at his own expense, indemnify and hold BANK, its directors and employees, representatives, agents and/or sub-agents as the case may be, indemnified against all losses and expenses on full indemnity basis which BANK may incur, sustain, suffer or is likely to suffer in connection with BANK execution of the user's instructions and against all actions, claims, demands, proceedings, losses, damages, costs, charges and expenses as a consequence or by reason of providing a service through Internet Banking for any action taken or omitted to be taken by BANK, its officers, employees, agents and/or sub-agents on the instructions of the user. The user will pay BANK such amount as may be determined by BANK to be sufficient to indemnify it against any such, loss or expenses even though they may not have arisen or are contingent in nature.Further, the user agrees, at its own expense, to indemnify, defend and hold harmless BANK, its directors and employees, representatives, agents, and sub-agents against any claim, suit, action or other proceeding brought against BANK, its directors and employees, representatives, agents, and sub-agents by a third party, to the extent that such claim, suit, action of other proceeding brought against BANK, its directors and employees, representatives, agents, and sub-agents is based on or arises in connection with the user of Internet Banking with reference to:(i) a violation of the TERMS contained herein by the user;(ii) any deletions, additions, insertions or alterations to, or any unauthorized use of, Internet Banking by the user;(iii) any misrepresentation or breach of representation or warranty made by the user contained herein; or(iv) any breach of any covenant or obligation to be performed by the user hereunder. The user agrees to pay any and all costs, damages and expenses, including, but not limited to, reasonable attorneys' fees and costs awarded against it or otherwise incurred by or in connection with or arising from any such claim, suit, action or proceeding attributable to any such claim.The user hereby agrees that under no circumstances, BANK's aggregate liability for claims relating to Internet Banking, whether for breach of in tort (including but not limited to negligence) shall be limited to the transaction charges/fees or consideration paid, if any by the user within the previous six (06) months for Internet Banking, excluding any amount paid towards transactions. 

18. DISCLOSURE OF PERSONAL INFORMATIONThe USER agrees that the BANK or its contractors/sub-contractors may hold and process his PERSONAL INFORMATION on computer, computer network or otherwise in connection with Internet Banking Services as well as for statistical analysis and credit scoring. The USER also agrees that the BANK may disclose, in strict confidence, to other institutions, such PERSONAL INFORMATION as may be reasonably necessary for reasons inclusive of, but not limited to, the following:-for participation in any telecommunication or electronic clearing network-in compliance with a legal directive-for credit rating by recognised credit rating agencies-for fraud prevention purposes-for prevention of money laundering 

19. PROPRIETARY RIGHTSThe USER acknowledges that the software underlying the Internet Banking Services as well as other Internet related software which are required for accessing Internet Banking Services are the legal property of the respective vendors. The permission given by the BANK to access Internet Banking Services will not convey any proprietary or ownership rights in the above software. The USER shall not attempt to modify, translate, disassemble, decompile or reverse engineer the software underlying Internet Banking Services or create any derivative product based on the software. 

20. CHANGE OF TERMS AND CONDITIONSThe BANK has the absolute discretion to amend or supplement any of the TERMS at any time. The BANK may introduce new services within Internet Banking Services from time to time. The existence and availability of the new functions will be notified to the USER as and when they become available. By using these new services, the USER agrees to be bound by the terms and conditions applicable. The user shall be responsible for regularly reviewing these TERMS including amendments thereto as may be posted on the website.If in the opinion of the user, the changes are to his disadvantage, the user may at his discretion opt to close the Account and/or discontinue with the Internet Banking, intimating BANK of the same. 

20. NON-TRANSFERABILITYThe grant of facility of Internet Banking Services to a USER is not transferable under any circumstance and shall be used only by the USER. 

21. TERMINATION OF INTERNET BANKING SERVICEThe USER may request for termination of the Internet Banking Services facility any time by giving a written notice. The USER will remain responsible for any transactions made on his/her account(s) prior to the time of such cancellation of the Internet Banking Services. The bank may withdraw the Internet Banking facility anytime after giving reasonable notice under the circumstances to the user through the web site. The closure of account by the user will automatically terminate the Internet Banking Services. The bank may suspend or terminate the Internet Banking Services without prior notice if the user has committed breach of any of these terms and conditions or the Bank learns of the death, bankruptcy, legal incapacity of the user. 

22. NOTICES

Notices under these terms and conditions may be given by the Bank and the user:Electronically to the mailbox of either party, such notices will be regarded as being in writing or alternatively by delivering them by hand or by sending them by post to the user address as per BANK's records and in case of BANK to the present address mentioned below-Operations Payment and Settlement Division, Punjab National Bank Office 4th Floor, 5, Sansad Marg New Delhi-110001Bank may also publish notices of general nature applicable to all users of Internet Banking Services on its website such notices will have the same effect as a notice served individually to each user. The USER is hereby advised that in the event he chooses to send a notice electronically to the BANK, a true copy of the same notice shall also be delivered to the BANK's aforementioned address either by hand or by post. Notice and instructions will be deemed served 7 days after publication on website or upon receipt in the case of hand delivery, telegram, telex or facsimile. 

23. GOVERNING LAWS AND JURISDICTIONThese terms and conditions and/or operations in the accounts of the user maintained by the bank and/or the use of services provided through Internet Banking Services shall be governed by the laws of Republic of India. Bank accepts no liability whatsoever, direct or indirect for non-compliance with the laws of any country other than Republic of India. The mere fact that Internet Banking Service can be accessed through Internet by a user from a country other than India shall not be interpreted to imply that the laws of the said country govern these terms and conditions and/or the operations in the accounts of the user through Internet and/or the use of Internet Banking Services.The user agrees to abide by prevailing laws in respect of Internet Banking Services applicable in Republic of India. It is the responsibility of the user to comply with any regulations prevailing in the country from where he is accessing the Internet. The Parties hereby agree that any legal action or proceedings arising out of the TERMS for Internet Banking shall be brought in the courts, tribunals or forums at New Delhi in India and irrevocably submit themselves to the jurisdiction of such courts, tribunals or forums. 

24. PROPRIETARY AND INTELLECTUAL PROPERTY RIGHTSThe copyright, trademarks, logos, slogans and service marks displayed on the website(s) are registered and unregistered intellectual property rights of Bank or of respective intellectual property right owners. Nothing contained on the website(s) should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any intellectual property displayed on the website(s) without the written permission of Bank or such third party that may own the intellectual property displayed on the website(s).The Bank neither warrants nor represents that the use of materials displayed on the website(s) by the User will not infringe patent, copyright or any intellectual property rights or any other rights of third parties not owned by Bank.Bank grants the right to access the website(s) to the User and use the Internet Banking Services in accordance with these Terms. The User acknowledges that the Services including, but not limited to, text, content, photographs, video, audio and/or graphics, are either the property of, or used with

permission by, Bank and/or by the content providers and may be protected by applicable copyrights, trademarks, service marks, international treaties and/or other proprietary rights and laws of India and other countries, and the applicable Terms and Conditions.The User should assume that everything it sees or reads on the website (collectively referred to as 'content') is copyrighted/ protected by intellectual property laws unless otherwise provided and may not be used, except as provided in these Terms, without the prior written permission of Bank or the relevant copyright owner.Any breach of the restrictions on use provided in these terms is expressly prohibited by law, and may result in severe civil and criminal penalties. Bank shall be entitled to obtain equitable relief (including all damage, direct, indirect, consequential and exemplary) over and above all other remedies available to it, to protect its interests therein. The User acknowledges that the software underlying the Internet Banking Services as well as other Internet related software which are required for accessing service are the legal property of the respective vendors. The permission given by Bank to access the Services shall not convey any patent, copyright and licence, proprietary, trade secret or ownership rights or other intellectual property rights in the above software 

25. FORCE MAJEURE / TECHNICAL DIFFICULTIESThe User specifically agrees to hold Bank harmless from any and all claims, and agrees that Bank shall not be liable for any loss, actual or perceived, caused directly or indirectly by government restriction, exchange or market regulation, war, strike, virus attacks, denial of service attacks, equipment failure communication line failure, system failure, security failure on the Internet, unauthorised access, hacking, theft, phishing, or any problem, technological or otherwise or other conditions beyond Bank's control, that might prevent User from accessing/operating or Bank from executing/validating an instruction, order, direction. User further agrees that the it will not be compensated by Bank for 'lost opportunity' in the form of notional profits/gains on orders, instructions, directions which could not be executed. 

26. LINKS TO WEBSITESThis website may contain links to other websites operated by other third parties. Such links are provided for the convenience of the User only and Bank does not control or endorse such websites, and is not responsible for their contents. The use of such website is also subject to the terms of use and other terms and guidelines, if any, contained within each such website. The linked websites are not under the control of Bank and it is not responsible for the contents of any linked website or any link contained in a linked website, advertisements appearing in or Services offered by or any changes or updates to such websites. 

27. AMENDMENTS AND MODIFICATIONSThe Bank has the absolute discretion to amend or supplement these TERMS herein, by modifying or rescinding any of the existing provisions or conditions or by adding any new provision or condition, by conspicuously posting notice of such amendment on the website or by providing written notice to the User. Continued use of Internet banking Services after such notice will constitute acknowledgment and acceptance of such amendment. 

28. SURVIVAL OF OBLIGATIONSThe obligations of the Parties under these TERMS shall survive the termination of any Transaction and/or this Agreement. 

29. REMEDIES CUMULATIVEExcept as provided in these TERMS, the rights, powers, remedies and privileges provided in these Terms are cumulative and not exclusive of any rights, powers, remedies and privileges provided by law. 

30. NO WAIVER OF RIGHTSA failure or delay in exercising any right, power or privilege in respect of these TERMS will not be presumed to operate as a waiver, and a single or partial exercise of any right, power or privilege will not be presumed to preclude any subsequent or further exercise, of that right, power or privilege or the exercise of any other right, power or privilege. 

31. SEVERABILITYIf any provision or condition of these TERMS shall be held to be invalid or unenforceable by reason of any law, rule, administrative order or judicial decision by any court, or regulatory or self-regulatory agency or body in India, such invalidity or unenforceability shall attach only to such provision or condition. The validity of the remaining provisions and conditions of this Agreement shall not be affected thereby and these TERMS shall be carried out as if any such invalid or unenforceable provision or condition was not contained herein. 

32. LEGALITY OF THE TERMSBank's performance of these TERMS is subject to existing laws and legal process, and nothing contained in these TERMS is in derogation of Bank's right to comply with governmental, court and law enforcement requests or requirements relating to the use of this website by the User or information provided gathered by Bank in respect of such use. 

33. GENERALThese TERMS contain BANK's entire arrangement (except as otherwise expressly provided herein) and supersede and replace any previously made proposals, representations, understandings and agreements, express or implied, either oral or in writing between the user and BANK for Internet Banking. The user acknowledges that it has not relied on any representation made by BANK or any of its employees or agents and has made its own independent assessment of Internet Banking. No third party will have any rights or claims under these TERMS.

   

©2014 Punjab National Bank907089

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Information   |  Contact us   |  Site Map   |  Mobile Banking

Please note:User has to select 7 security questions

Agree Disagree

Register Security QuestionnaireWelcome MR OM PRAKASH S/O- HIRA LAL .It is time to register your Security questions and answers, you need to change it right now. After you have registered for Security questions and answers, you can continue.

Register Security Questionnaire

Please keep these in mind while answering security questions

1. The password cannot consist of all the characters as are in your Username. For e.g.If your Username is "Bob", then your password cannot be "Bobby".2. Only letters and digits are not allowed. Atleast one of these should be a special character. Usually, the character you get when you type in while keeping the "SHIFT" button pressed along with a number. For e.g. " # (SHIFT 3)".3. Spaces are not allowed in the password.

Security Questionnaire

 1. Who was your childhood hero?

 2. What was the name of your elementary/primary school?

 3. What was the first name of your favorite teacher in your final year of high

school?

 4. What is your current car registration number?

 5. In what year was your mother born?

 6. What was your dream job as a child?

 7. What was the last name of your English favorite teacher?

 8. What was your favorite place to visit as a child?

 9. What was the make and model of your first car?

 10. What is the name of a college you applied to but didn't attend?

 11. What are the last 5 digits of your mobile number?

 12. What is the name of your favorite childhood friend?

OMPRAKASHVERMAVILLKEDARIPURPOBIRAMPURDISTTLAKHIMPURKHERI

OM PRAKA

OM PRAKA

OM PRAKA

OM PRAKASH4

OM PRAKASH5

OM PRAKASH6

OM PRAKASH7

 13. What is your mother's (father's) first name?

 14. What is the name of the High School you graduated from?

 15. What time of the day were you born?

 16. What day of the week were you got married?

 17. In what city was your high school? (Enter full name of city only)

 18. To which city you have travelled first time by air?

 19. What was your favorite sport in high school?

 20. What was the last name of your favorite teacher?

 21. In what city or town was your first job?

 22. What is the name of the company of your first job?

 23. What was the name of your Maths favorite teacher?

 24. What was your favorite movie when you graduated from high school?

 25. In what city does your nearest sibling live?

 26. Where did you vacation in first year of your job?

 27. What month and day is your anniversary? (e.g., January 2)

 28. What is the name of the first undergraduate college you attended?

 29. What was your childhood nickname?

 30. What is the name of the first school you attended?

 31. What was the make and model of your favorite car?

 32. In what year was your father born?

 33. What is your spouse's mother's maiden name?

 34. What day of the week were you born?

 35. In what city was your mother born? (Enter full name of city only)

 36. What is the license plate (registration) of your dad's first car?

 37. What year did you graduate from High School?

 38. What was the color of your first car?

 39. Name the hospital where you born?

 40. What is your favorite sport?

 41. What is your favorite subject in high school?

 42. What is the name of the place your wedding reception was held?

 43. What is the name of the first company you worked for?

 44. What was the name of your High School?

 45. In what city were you married? (Enter full name of city)

 46. In what city was your father born? (Enter full name of city only)

 47. In what city did you meet your spouse/significant other?

 48. What is your favorite color?

 49. What is your favorite animal?

 50. What was your favorite restaurant in college?

©2014 Punjab National Bank

  Terms and Conditions   |  Hyperlink policy   |  Privacy

Policy   |  Disclaimer   |  Security Information   |  Contact us   |  Site Map   |  Mobile

Banking447058065: papa ye aapka internet aur mob banking ka user id

BSG008647 aur password omprakash@423 dono ka ek hi hai aur perchi abhi nahi ayegi to

User Guide for SMS Based Mobile Banking (Manual SMS Flavor)

Any mobile phone capable of sending and receiving SMS can be used for SMS Based Mobile Banking. The user has to create an SMS in the following predefined format(s) according to the service required by him and send the same to our fixed number-5607040. Facilities available:

         View account balance         Online Mini Statement(Quick View of last 10

transactions)         Transfer of funds to own accounts (within

PNB)         Generate MMID         IMPS ( Immediate Payment Service) – Transfer

of funds to Third Party accounts within PNB as well as Interbank Fund transfers

         Cheque Status inquiry         Stop payment of cheque         Cheque Book request

Register

         Changing SMS Password 

(*Note: Daily limit for funds transfer using SMS including through IMPS is Rs. 5000/-) Steps for using Manual SMS: 

The above facilities can be availed by just sending an SMS from your mobile handset to the fixed number 5607040. The SMS should be in a predefined format (table given below). SMS can be sent only from the Mobile number registered with PNB for Mobile Banking facility. 

Codes for ‘View Only Facility’: Facility Short

CodeFormat of the SMS

MessageBalance Inquiry

BAL BAL<space> 16 digit A/C NUMBER

BAL 015300XXXXXXXXXX

Mini Statement Inquiry

MINSTMT MINSTMT <space> 16 digit A/C NUMBER

MINSTMT 015300XXXXXXXXXX

A/c Statement Request

STMT STMT <space>Month<space> 16 digit A/C NUMBER

STMT015300XXXXXXXXX

Stop payment of cheque

STPCHQ STPCHQ <space> CHEQUE NUMBER <space>16 digit A/C NUMBER

STPCHQ cccccc 015300XXXXXXXXXX

Cheque Status Inquiry

CHQINQ CHQINQ <space> CHEQUE NUMBER <space> 16 digit A/C NUMBER

CHQINQ ccccc 015300XXXXXXXXXX

Cheque book request

CHKBK CHKBK <space>ACCOUNT NUMBER<space> MBANKING USERID<space> NUMBER OF LEAVES FOR CHEQUE BOOK

CHKBK 015300XXXXXXXXXX AAAAAAAAA 20

Change SMS

CHNGPWD CHNGPWD<space>SMS PASSWORD<space> NEW

CHNGPWD 2222 3333

Password SMS PASSWORD ( where SMS Password =2222; A/c no. = 015300XXXXXXXXXX; cheque no. =cccccc; User id=AAAAAA; New SMS PW=3333) Codes related to Fund Transfer -Facility

Self Transfer of funds

SLFTRF SLFTRF <space>FROM ACCOUNT NUMBER<space>TO ACCOUNT NUMBER<space>AMOUNT

IMPS Intra bank and Interbank remittance up to Rs. 5000/- per day per customer

Generate 7 digit MMID

MMID MMID

To Cancel MMID

MMIDCANCEL  

MMIDCANCEL

Method 1 for Fund Transfer

IMPS   IMPS<space>Beneficiary Mobile No<space>Beneficiary MMID<space>Amount<space>IMPS PIN * IMPS PIN is a seven digit no. which is combination of 4 digit SMS password and last 3 digits of Remitter’s MMID

Method 2 for Fund Transfer

IMPS   IMPS <space>XXXX <space>Debit Account No<space> Beneficiary Mobile No<space>Beneficiary MMID<space>Amount

 

 *This facility through SMS is free of charge by the Bank. However, telecom charges on SMS would be as per tariff of the telecom service provider. 

DECEMBER 21, 2013 RAJU KUMAR

23

You can register mobile number to get SMS Alert of your PNB

Account to get update to your Account through mobile phone.

Today Almost every bank facilitates SMS Alert service to

consumers and register Mobile Number to provide lots of

information through it. Updates like transactions, withdrawal

and deposit in your bank account, Cheque clearance, internet

banking activities loan EMI reminder  and more rush to you

through SMS Alert. You have to fill up a form (PNB 1167 ) and

submit it to the PNB Branch where your account exists for

this purpose, but today it can be done on your own. You can

get register your mobile number through ATM and calling

Customer Care also. So here we are describing few steps

which would help you in getting your mobile number to get

SMS Alert of your PNB Account.

Ways to get Mobile Number Registered in PNB Account to get SMS Alert

1. By visiting any PNB ATM2. By visiting any branch of PNB bank3. By calling to the customer care of PNB bank

Mobile Number Registration through PNB ATM to get SMS Alert1. Firstly you have to go in PNB ATM with your

debit card or ATM Card, and then you have to insert it in ATM machine.

2. After that you have to put your PIN number

carefully.3. Then choose the option of mobile number

registration at the screen of ATM machine.4. Thereafter you have to enter your own

mobile number.5. Once again you have to enter your own

mobile number for the confirmation that whether you have enter your mobile number is right or wrong.

6. At last you have to follow to select your account type information. After following these steps your mobile number will be successively registered.

By Visiting The PNB Branch to Register a Mobile

Number

You can also get your mobile number registered by visiting to

the branch of PNB bank. There you have to fill up a for named

PNB 1167 and submit to the official. After few period of time

they will register you mobile number for SMS Alert Service.

You can download this form from here also: Download PNB

1167 SMS Alert Form

Register a Mobile Number to PNB Account to Get SMS Alert by Calling Customer Care

An another easy process is also available to get your mobile

number registered with PNB bank Account to get SMS alerts.

Yous can  call to customer care for this.

1. Firstly you have to call to the customer care with your

mobile. The contact number of customer care is 1800-180-

2222.

2. After that the agent of call centre will authenticate

your ID. Then your request of registration of mobile no. with

PNB bank will be accepted after successfully authentication.

4. After that your mobile number will be successfully

registered with your PNB bank Account.

 Cost of SMS Alert Service for PNB Bank Account

However you can get a lot of information through SMS Alert

service of PNB, but you have to pay cost in return. For this

service the bank deducted Rs. 15 in every quarter of a year.

Few people like senior citizens, PNB Staffs, PNB Retired

Staffs, Students are exempted from these fees.

Few Important things to know are you can get SMS alert on

any mobile you have. Because these information are sent

through mobile number, hence there is no condition about

device. You can get your mobile number unregistered also if

you want by submitting an application