Wallets/pnb-india
Punjab National Bank (PNB ONE)
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Overview
Punjab National Bank (PNB ONE) is India's second-oldest commercial bank since 1894 + India's #2 public-sector bank by assets after SBI + Government of India ~73.15% controlling + 10,189 branches + 11,822 ATMs Mar 2025 + PNB ONE up to Rs.10 lakh transactions + Rs.2 lakh default limit + post-Apr 2020 PNB + Oriental Bank of Commerce + United Bank of India merger [1, 2, in-cro]. 2025 baseline: PNB 10,189 branches + 11,822 ATMs Mar 2025 + India's #2 public-sector bank by assets after SBI + Government of India ~73.15% controlling; PNB ONE is the official mobile banking application of Punjab National Bank that provides access to PNB banking services across all operators + PNB ONE app provides wide range of services + PNB ONE up to Rs.10 lakh transactions + Rs.2 lakh default limit distinctive Indian state-owned banking + mobile-first banking.
Distinctive PNB positioning:
- India's second-oldest commercial bank since 1894 (Punjab National Bank; NSE: PNB; BSE: 532461)
- India's #2 public-sector bank by assets after SBI distinctive Indian state-owned banking ranking
- Government of India ~73.15% controlling distinctive Indian state-owned banking ownership
- 10,189 branches + 11,822 ATMs Mar 2025 distinctive Indian state-owned banking branch + ATM network scale
- PNB ONE up to Rs.10 lakh transactions + Rs.2 lakh default limit distinctive Indian mobile banking transaction limits
- Post-Apr 1 2020 PNB + Oriental Bank of Commerce + United Bank of India merger distinctive Indian state-owned banking consolidation
- 1894 PNB founding in Lahore by Lala Lajpat Rai (Indian independence leader) distinctive Indian independence-era banking heritage
History
May 19 1894 — Punjab National Bank founded in Lahore by Lala Lajpat Rai (Indian independence leader) distinctive Indian independence-era banking heritage.
1969 — PNB nationalized by Government of India as Indian state-owned commercial bank (post-Bank Nationalisation Act 1969).
Mar 2002 — PNB IPO on NSE + BSE under tickers PNB + 532461 distinctive Indian state-owned banking listings.
2013 — PNB ONE mobile banking app launch distinctive Indian mobile banking strategy.
Apr 1 2020 — PNB + Oriental Bank of Commerce + United Bank of India merger → India's #2 public-sector bank by assets after SBI distinctive Indian state-owned banking consolidation [3].
Mar 2025 — PNB 10,189 branches + 11,822 ATMs [1, 2].
Ownership & operator
Operating entity: Punjab National Bank (NSE: PNB; BSE: 532461; Indian state-owned commercial bank since 1894; India's second-oldest commercial bank; Government of India majority controlling).
Major shareholders: Government of India (President of India + Ministry of Finance) ~73.15% controlling + LIC of India + Indian retail + institutional + foreign investors.
Regulators: RBI (Reserve Bank of India) + SEBI + IRDAI.
Technical integration
PNB ONE mobile banking app (iOS + Android; up to Rs.10 lakh transactions + Rs.2 lakh default limit) + PNB USSD (9942#) + pnb.bank.in online + PNB 10,189 branches + 11,822 ATMs Mar 2025 + PNB Visa + Mastercard + RuPay cards; UPI (Unified Payments Interface) + IMPS + NEFT + RTGS + Aadhaar Pay; PNB ONE is the official mobile banking application of Punjab National Bank that provides access to PNB banking services across all operators + PNB ONE app provides wide range of services + PNB ONE up to Rs.10 lakh transactions + Rs.2 lakh default limit distinctive Indian state-owned banking + mobile-first banking + PNB UPI integration.
Users & growth
Mar 2025: PNB 10,189 branches + 11,822 ATMs.
Use cases
Indian + international (Hong Kong + UK + Myanmar + Bhutan) retail + private + SME + commercial + corporate + Indian state-owned banking via PNB ONE mobile + PNB USSD + pnb.bank.in online + PNB 10,189 branches + 11,822 ATMs Mar 2025 + Visa/Mastercard/RuPay cards; UPI + IMPS + NEFT + RTGS + Aadhaar Pay.
Implementations & partners
Operator: Punjab National Bank (NSE: PNB; BSE: 532461; Indian state-owned commercial bank since 1894; India's second-oldest commercial bank; Government of India majority controlling); Government of India (President of India + Ministry of Finance) ~73.15% controlling + LIC of India + Indian retail + institutional + foreign investors.
Major Indian banking + payments competitors: [[sbi-yono]] (State Bank of India; NSE: SBIN; BSE: 500112; India's #1 commercial bank by assets; Government of India ~57.46% controlling; YONO super-app 60M+ users) + [[hdfc-bank]] (HDFC Bank; NSE: HDFCBANK; BSE: 500180; NYSE: HDB; India's #1 private commercial bank by assets) + [[icici-bank]] (ICICI Bank; NSE: ICICIBANK; BSE: 532174; NYSE: IBN; India's #2 private commercial bank by assets; iMobile Pay) + [[axis-bank]] (Axis Bank; NSE: AXISBANK; BSE: 532215; India's #3 private commercial bank by assets) + [[kotak-mahindra]] (Kotak Mahindra Bank; NSE: KOTAKBANK; BSE: 500247; India's #4 private commercial bank by assets) + [[idfc-first-bank]] (IDFC FIRST Bank; NSE: IDFCFIRSTB; India's challenger commercial bank) + [[bharatpe]] (BharatPe; Indian merchant fintech + Unity Small Finance Bank) + [[phonepe]] (PhonePe; Walmart-Flipkart subsidiary; India's largest UPI payments app) + [[paytm]] (Paytm; NSE: PAYTM; BSE: 543396; Indian payments super-app) + [[google-pay]] (Google Pay; India's #2 UPI payments app) + [[bhim]] (BHIM; NPCI's official UPI app) + [[cred]] (CRED; Indian credit card management + payments super-app).
Regulators: RBI + SEBI + IRDAI.
Fun facts
- India's second-oldest commercial bank since 1894 (Punjab National Bank; NSE: PNB; BSE: 532461).
- India's #2 public-sector bank by assets after SBI distinctive Indian state-owned banking ranking.
- Government of India ~73.15% controlling distinctive Indian state-owned banking ownership.
- 10,189 branches + 11,822 ATMs Mar 2025 distinctive Indian state-owned banking branch + ATM network scale.
- PNB ONE up to Rs.10 lakh transactions + Rs.2 lakh default limit distinctive Indian mobile banking transaction limits.
- Post-Apr 1 2020 PNB + Oriental Bank of Commerce + United Bank of India merger distinctive Indian state-owned banking consolidation.
- 1894 PNB founding in Lahore by Lala Lajpat Rai (Indian independence leader) distinctive Indian independence-era banking heritage.
Comparison
| Feature | PNB | [[sbi-yono]] (State Bank of India rival; India's #1 commercial bank by assets) | [[hdfc-bank]] (HDFC Bank rival; India's #1 private commercial bank by assets) | [[icici-bank]] (ICICI Bank rival; India's #2 private commercial bank by assets) | [[axis-bank]] (Axis Bank rival; India's #3 private commercial bank by assets) |
|---|---|---|---|---|---|
| Operator | Punjab National Bank (NSE: PNB; BSE: 532461; Indian state-owned commercial bank since 1894; India's second-oldest commercial bank; Government of India majority controlling) | State Bank of India (NSE: SBIN; BSE: 500112; India's #1 commercial bank by assets; Government of India ~57.46% controlling) | HDFC Bank (NSE: HDFCBANK; BSE: 500180; NYSE: HDB; India's #1 private commercial bank by assets) | ICICI Bank (NSE: ICICIBANK; BSE: 532174; NYSE: IBN; India's #2 private commercial bank by assets) | Axis Bank (NSE: AXISBANK; BSE: 532215; India's #3 private commercial bank by assets) |
| Type | India's second-oldest commercial bank since 1894 + India's #2 public-sector bank by assets after SBI + Government of India ~73.15% controlling + 10,189 branches + 11,822 ATMs Mar 2025 + PNB ONE up to Rs.10 lakh transactions + Rs.2 lakh default limit + post-Apr 1 2020 PNB + OBC + United Bank of India merger | India's #1 commercial bank by assets + Government of India ~57.46% controlling + YONO super-app 60M+ users | India's #1 private commercial bank by assets | India's #2 private commercial bank by assets + iMobile Pay | India's #3 private commercial bank by assets |
| Country | IN + HK + GB + MM + BT | IN + 35 countries | IN + 17 countries | IN + 19 countries | IN + 8 countries |
| Distinctive | May 19 1894 Punjab National Bank founding in Lahore by Lala Lajpat Rai (Indian independence leader); 1969 PNB nationalized by Government of India (post-Bank Nationalisation Act 1969); Mar 2002 PNB IPO on NSE + BSE under tickers PNB + 532461; 2013 PNB ONE mobile banking app launch; Apr 1 2020 PNB + Oriental Bank of Commerce + United Bank of India merger → India's #2 public-sector bank by assets after SBI; Mar 2025 10,189 branches + 11,822 ATMs | 1806 SBI founding heritage (oldest Indian commercial bank) | 1994 HDFC Bank founding | 1994 ICICI Bank founding | 1993 Axis Bank founding |
Status
Active, India's second-oldest commercial bank since 1894 + India's #2 public-sector bank by assets after SBI + Government of India ~73.15% controlling + 10,189 branches + 11,822 ATMs Mar 2025 + post-Apr 1 2020 PNB + Oriental Bank of Commerce + United Bank of India merger [1, 2, 3]:
- Punjab National Bank (NSE: PNB; BSE: 532461; Indian state-owned commercial bank since 1894; India's second-oldest commercial bank; Government of India majority controlling) since May 19 1894 Punjab National Bank founding in Lahore by Lala Lajpat Rai (Indian independence leader) + 1969 PNB nationalized by Government of India + Mar 2002 PNB IPO on NSE + BSE under tickers PNB + 532461 + 2013 PNB ONE mobile banking app launch + Apr 1 2020 PNB + Oriental Bank of Commerce + United Bank of India merger → India's #2 public-sector bank by assets after SBI.
- PNB 10,189 branches + 11,822 ATMs Mar 2025.
- PNB ONE up to Rs.10 lakh transactions + Rs.2 lakh default limit.
- RBI + SEBI + IRDAI regulated.
Sources
- 1 Personal Banking | Corporate Banking | Netbanking Services| Bank | PNB
- 2 PNB Mobile Banking - Types, Registration, Login Process, Limit — Wishfin
- 3 Punjab National Bank — Wikipedia
- in-cro In-corpus:
reports/countries/IN-india.md
Source
Biography extracted from pnb-india.md. See matrix.md for standards-support matrix if present.