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PNB Salary Account: Know how to get Rs 3 lakh even if your account has no balance.

The Punjab National Bank (PNB) has introduced a special salary account for employees that includes a number of attractive features.

New Delhi: Punjab National Bank (PNB) offers a special salary account for salaried employees that includes a variety of benefits tailored to various salary levels. Daily employees of the central/state government, PSUs, Govt-Semi Govt Corporations, MNCs, Reputed Institutions, Reputed Corporate, and Reputed Educational Institutions can open a zero balance account.

Silver, Gold, Premium, and Platinum are the four types of Punjab National Bank MySalary Accounts. The following are the divisions based on Variants/Drawing Gross Salary per Month/Scheme Code:

Silver: Rs. 10,000 and upwards, up to Rs.25,000

Rs. 25,001 and up to Rs. 75,000 in gold

Premiums start at Rs 75,001 and go up to Rs 1,50,000.

Rs 1,50,001 and beyond (Platinum)

You can get a 3 lakh overdraft from PNB Salary Account.

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The primary account holder of the Punjab National Bank Salary Account is qualified for an overdraft of up to two months’ NET salary at a rate of RLLR + 3.70 percent per annum. The overdraft limit will be set manually, using a physical application form and a loan agreement, and will be determined according to eligibility. The same will need to be updated in six months, and a new Overdraft cap will be available only after the previous one has been adjusted.

The following is the maximum volume of overdraft: (Overdraft Limits And Variants)

SILVER: 50000 rupees



Rs 3,00,000 PLATINUM

Account-holders will also get a Personal Accidental Insurance Coverage of Rs 20 lakh across all models.

Account-holders should be aware that if their paycheck is not paid for three months in a row during a calendar year, the account will be moved to the Saving Fund General and all freebies will be withheld by the scheme.



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