PNB Bank UPI

Last Updated : July 15, 2025, 3:20 p.m.

The Punjab National Bank (PNB) Unified Payments Interface (UPI) is a powerful and user-friendly platform that enables seamless, secure, and instant digital payments. Developed by the National Payments Corporation of India (NPCI) and monitored by the Reserve Bank of India (RBI), PNB UPI allows users to transfer funds, pay bills, and request money using a smartphone or feature phone. This article provides a detailed overview of PNB UPI, including its features, registration process, transaction methods, limits, and customer support details.

Features & Benefits of PNB UPI App

PNB UPI offers a range of features that make it a convenient and efficient payment solution:

• Instant Fund Transfers : Transfer money instantly between bank accounts, 24/7, including holidays, without the need for traditional methods like NEFT or RTGS.
• No Beneficiary Registration : Send or receive money using just a Virtual Payment Address (VPA) or account details (account number and IFSC code), eliminating the need to register beneficiaries.
• Multiple Account Support : Link multiple bank accounts (up to five) from PNB or other UPI-enabled banks to a single app for streamlined management.
• View Balance Feature : Check the balance of all linked accounts directly within the app.
• Secure Transactions : Authenticate transactions with a UPI PIN, ensuring high security.
• No Additional Charges : UPI transactions through PNB are currently free of cost.
• Accessibility : Available on both Android and iOS platforms via the PNB One and BHIM PNB UPI apps.
• Convenience : Perform transactions anytime, anywhere, with minimal details required.

How to Register PNB Bank UPI App?

Registering for the PNB UPI app is straightforward. Follow these steps to set up your account:

1. Download the App : Install the PNB One or BHIM PNB UPI app from the Google Play Store (for Android) or App Store (for iOS). Ensure your mobile number is linked to your bank account.
2. Verify Mobile Number : Open the app and select “Click Me” to verify your mobile number. A silent SMS will be sent from the registered mobile number for verification.
3. Enable GPS Settings : Go to “Settings” in the app and enable GPS if prompted.
4. Enter Details : Provide your name, email, date of birth, and create a Virtual Payment Address (VPA). Set a six-digit login password.
5. Add Bank Account : Select “Add Bank A/c” from the dashboard. Choose your bank (PNB or other UPI-enabled banks) and link accounts associated with your registered mobile number.
6. Set UPI PIN : Select the added bank account, click “Set PIN,” and enter the last six digits of your debit card and its expiry date. An OTP will be sent to your registered mobile number to create a four-digit UPI PIN.
7. Complete Registration : After successful verification, you’ll be redirected to the app’s dashboard, ready to use PNB UPI.

How to Send Money using PNB UPI App?

Sending money via PNB UPI is quick and simple. Here’s how:

1. Open the App : Launch the PNB One or BHIM PNB UPI app and log in with your six-digit passcode.
2. Navigate to UPI : From the dashboard, select the “UPI” option, then tap “Send Money.”
3. Choose Payment Method : Select either “Pay by VPA” or “Pay by Account and IFSC.”
   • Pay by VPA : Enter the recipient’s VPA, select the debit account, enter the amount, and add remarks if needed.
   • Pay by Account and IFSC : Input the recipient’s account number, IFSC code, amount, and remarks.
4. Verify Details : Review the details and click “Continue.”
5. Authenticate Transaction : Enter your UPI PIN and submit. An OTP may be sent for verification.
6. Confirmation : You’ll receive a confirmation once the transaction is successful.

How to Collect/Receive Amount using PNB UPI App?

To request or receive money using PNB UPI:

• Log In : Open the PNB UPI app and enter your login passcode.
• Select Request Money : Tap the “Request Money” option.
• Enter Details : Input the payer’s mobile number or VPA and click “Verify” to confirm their name.
• Specify Amount : Enter the amount, set a validity period (up to 45 days), and add remarks. Tap “Request.”
• Send Request : The payer will receive an SMS and app notification. You’ll get a confirmation of the request.
• Track Status : Check the transaction status under “Txn Status” or “Pending Approval” in the app.

PNB UPI Transaction Limit - Per Month / Per Year

PNB UPI transaction limits are as follows:

• First 24 Hours : For new users, the transaction limit is ₹5,000 within the first 24 hours of registration.
• Per Transaction : After the initial 24 hours, the limit is ₹25,000 per transaction.
• Daily Limit : The daily transaction limit is ₹50,000.
• General UPI Limit : As per NPCI guidelines, the maximum per-transaction limit across UPI apps is ₹2,00,000, and the daily limit is ₹1,00,000 across all UPI apps. However, PNB’s specific limits may apply.
• BHIM App Limits : If using the BHIM PNB app, the daily limit is ₹40,000 with a maximum of 10 financial transactions per day.
• Monthly/Yearly Limits : There are no explicit monthly or yearly limits mentioned by PNB, but NPCI’s daily limits effectively cap usage. Check with PNB for any specific restrictions.

How to Increase PNB UPI Limit?

To increase your PNB UPI transaction limit:

1. Contact PNB Customer Care : Reach out to PNB’s customer care (details below) or visit a branch to request a limit increase.
2. Submit Request : Provide necessary details, such as your account number and reason for the increase. The bank may require KYC verification or additional documentation.
3. Check Eligibility : Limit increases are subject to PNB’s policies and NPCI guidelines. The maximum limit cannot exceed ₹2,00,000 per transaction or ₹1,00,000 per day across all UPI apps.
4. Use Alternative Apps : If PNB’s limits are restrictive, consider using other UPI apps like Google Pay, which may allow higher limits (up to ₹1,00,000 daily) depending on your bank’s settings.

PNB UPI Customer Care Number

For assistance with PNB UPI, contact:

• Toll-Free Number : 1800-1800/1800-2021
• Corporate Office : Punjab National Bank, Plot No. 4, Sector -10, Dwarka, New Delhi - 110075
• Website : Visit www.pnbindia.in for additional support or to log complaints.

What is PNB UPI 123PAY?

UPI 123PAY is a feature introduced by NPCI and supported by PNB for users with basic feature phones, enabling digital payments without internet connectivity. Key features include:

• No Internet Required : Access UPI services via USSD (*99#), missed call, interactive voice response (IVR), or OEM methods.
• Instant Transactions : Send money, pay bills, and more instantly, similar to smartphone-based UPI.
• No Charges : UPI 123PAY transactions are free.
• 24/7 Availability : Available round-the-clock, 365 days a year.
• Requirements : Your mobile number must be linked to your bank account.

To use UPI 123PAY, dial *99# on your feature phone and follow the prompts to register, link your PNB account, and perform transactions.