January 2023


If you’re a PNB customer and want to start using net banking, this post is for you. We’ll walk you through the process of activation and show you some of the features and advantages of PNB net banking. Let’s get started!

How to Activate PNB Net Banking.

Net banking is a facility provided by banks that allows their customers to conduct financial transactions via the internet. Punjab National Bank (PNB) is an Indian multinational banking and financial services company headquartered in New Delhi, India. PNB provides a wide range of banking products and services to its customers including net banking.

Eligibility and Registration.

In order to be eligible for PNB net banking, customers must have a savings or current account with the bank. Customers can register for net banking either online or by visiting their nearest PNB branch.

Activation Process.

Once registered, customers will receive an activation kit from PNB containing an IPIN (Internet Password). This IPIN needs to be used while logging in to the net banking portal for the first time. After logging in, customers will be required to set up a new password as per their preference. Once the password has been set, customers can start using all the features and services offered by PNB net banking.

Features of PNB Net Banking.

PNB Net Banking is an online platform that allows customers of the Punjab National Bank to conduct various financial transactions. Customers can use this platform to pay bills, transfer money, manage their accounts, and more.

Bill Payment.

Customers can use PNB Net Banking to pay their bills online. This is a convenient way to make sure that bills are paid on time, without having to go to a physical bank branch or bill payment center. Customers simply need to log in to their account, select the bill they wish to pay, and enter the necessary payment information.

Money Transfer.

PNB Net Banking and Kotak Net Banking also allow customers to transfer money between their own accounts and other accounts within the bank. This is a convenient way to send money to friends or family members who also have PNB accounts. To do this, customers simply need to log in to their account and select the “Transfer Funds” option. They will then be prompted to enter the amount of money they wish to transfer, as well as the account number of the recipient.

Account Management.

In addition to conducting financial transactions, customers can also use PNB Net Banking to manage their account information. This includes viewing account balances and transaction history, updating contact information, and more. To access these features, customers simply need to log in to their account and select the “Account Management” option from the menu.

Advantages of PNB Net Banking.

Net banking is a convenient way to access your PNB account and perform transactions without having to visit a physical bank branch. It offers several advantages, including convenience, security, and a wide range of services.


One of the biggest advantages of net banking is convenience. You can access your account 24/7 from anywhere in the world with an internet connection. This means you can check your account balance, transfer funds, pay bills, and more at any time of day or night. You also don’t have to worry about bank opening hours or queues at the teller window.


Another advantage of net banking is security. PNB uses state-of-the-art security measures to protect your account information and transactions. All data is encrypted and stored on secure servers. Plus, you can set up additional security features like two-factor authentication for extra peace of mind.

Disadvantages of PNB Net Banking.

Despite the many advantages of PNB Net Banking, there are a few disadvantages that users should be aware of. These disadvantages include limited services, technical issues, and security concerns.

Limited Services.

PNB Net Banking is a relatively new service, and as such, it offers a limited number of features and services compared to other online banking platforms. For example, PNB Net Banking does not currently offer loan or credit card services. Additionally, some users have reported difficulty using the platform to pay certain types of bills, such as utility bills.

Technical Issues.

Like any online platform, PNB Net Banking is subject to occasional technical difficulties. These technical issues can range from login problems to difficulty using specific features on the platform. In most cases, these technical issues can be resolved by contacting PNB customer support. However, some users have reported repeated technical issues that have not been resolved by customer support.

Security Concerns.

Although PNB Net Banking uses multiple layers of security to protect user information, there have been some reports of security breaches in the past. Additionally, some users are concerned about the possibility of their account being hacked if they use PNB Net Banking on a public computer or Wi-Fi network.


The Punjab National Bank offers a net banking service that can be extremely convenient and secure for customers. However, there are some disadvantages to using this service. Overall, the advantages of PNB net banking outweigh the disadvantages.