{"id":15542,"date":"2025-01-21T16:59:36","date_gmt":"2025-01-21T11:29:36","guid":{"rendered":"https:\/\/razorpay.com\/learn\/?p=15542"},"modified":"2026-02-09T17:34:54","modified_gmt":"2026-02-09T12:04:54","slug":"pnb-neft-charges","status":"publish","type":"post","link":"https:\/\/razorpay.com\/learn\/pnb-neft-charges\/","title":{"rendered":"PNB NEFT Charges 2026: Comprehensive Guide to Fees &#038; Secure Transfers"},"content":{"rendered":"<p dir=\"ltr\">The National Electronic Funds Transfer (<a href=\"https:\/\/razorpay.com\/learn\/neft\/\">NEFT<\/a>) system, operated by the Reserve Bank of India (RBI), enables secure and reliable interbank fund transfers across India. Punjab National Bank (PNB), one of the leading public sector banks, offers NEFT services to its customers at competitive rates. This comprehensive guide explores the NEFT charges of PNB for the year 2026, along with transaction limits, timings, and tips to minimize fees while ensuring secure transfers.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 counter-hierarchy ez-toc-counter ez-toc-transparent ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69d721bddb887\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69d721bddb887\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/razorpay.com\/learn\/pnb-neft-charges\/#PNB-NEFT-Charges-for-2026\" >PNB NEFT Charges for 2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/razorpay.com\/learn\/pnb-neft-charges\/#Transaction-Limits-and-Other-Considerations\" >Transaction Limits and Other Considerations<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/razorpay.com\/learn\/pnb-neft-charges\/#PNB-NEFT-Transaction-Timings\" >PNB NEFT Transaction Timings<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/razorpay.com\/learn\/pnb-neft-charges\/#Tips-to-Minimize-NEFT-Charges\" >Tips to Minimize NEFT Charges<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/razorpay.com\/learn\/pnb-neft-charges\/#How-to-Use-NEFT-with-PNB\" >How to Use NEFT with PNB?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/razorpay.com\/learn\/pnb-neft-charges\/#Eligibility-of-PNB-NEFT-Transactions\" >Eligibility of PNB NEFT Transactions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/razorpay.com\/learn\/pnb-neft-charges\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/razorpay.com\/learn\/pnb-neft-charges\/#Frequently-Asked-Questions-FAQs\" >Frequently Asked Questions (FAQs)<\/a><\/li><\/ul><\/nav><\/div>\n<h2 dir=\"ltr\"><span class=\"ez-toc-section\" id=\"PNB-NEFT-Charges-for-2026\"><\/span>PNB NEFT Charges for 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p dir=\"ltr\">As of 2026, PNB&#8217;s NEFT PNB charges for transactions initiated at branches are as follows:<\/p>\n<table dir=\"ltr\">\n<tbody>\n<tr>\n<th>\n<p dir=\"ltr\">Transaction Amount<\/p>\n<\/th>\n<th>\n<p dir=\"ltr\">Charges (excluding GST)<\/p>\n<\/th>\n<\/tr>\n<tr>\n<td>\n<p dir=\"ltr\">Up to \u20b910,000<\/p>\n<\/td>\n<td>\u20b92.00<\/td>\n<\/tr>\n<tr>\n<td>\n<p dir=\"ltr\">\u20b910,000 to \u20b91,00,000<\/p>\n<\/td>\n<td>\u20b94.00<\/td>\n<\/tr>\n<tr>\n<td>\n<p dir=\"ltr\">\u20b91,00,000 to \u20b92,00,000<\/p>\n<\/td>\n<td>\u20b912.00<\/td>\n<\/tr>\n<tr>\n<td>\n<p dir=\"ltr\">Above \u20b92,00,000<\/p>\n<\/td>\n<td>\u20b920.00<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p dir=\"ltr\">It is important to note that online NEFT Transaction Charges through PNB net banking or mobile banking are waived, providing a cost-effective option for customers.<\/p>\n<h2 dir=\"ltr\"><span class=\"ez-toc-section\" id=\"Transaction-Limits-and-Other-Considerations\"><\/span>Transaction Limits and Other Considerations<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p dir=\"ltr\">PNB adheres to the RBI-stipulated maximum limit of \u20b95,00,00,000 (\u20b95 crores) per NEFT transaction. However, for retail net banking users, the per-transaction limit is capped at \u20b92,00,000 with an overall daily limit of \u20b915,00,000. Corporate net banking users may have higher daily limits, subject to their authorized limits.<\/p>\n<p dir=\"ltr\">When initiating <a href=\"https:\/\/razorpay.com\/learn\/transfer-funds-neft\/\">NEFT transactions<\/a>, customers must provide accurate beneficiary details, including the recipient&#8217;s name, account number, account type, and the beneficiary bank&#8217;s IFSC code. It is crucial to double-check these details to avoid failed or delayed transactions.<\/p>\n<h2 dir=\"ltr\"><span class=\"ez-toc-section\" id=\"PNB-NEFT-Transaction-Timings\"><\/span>PNB NEFT Transaction Timings<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p dir=\"ltr\">NEFT timings at PNB have been extended to offer 24*7 availability, with 48 half-hourly settlement batches processed every day, including weekends and bank holidays. The first batch begins at 12:30 AM, and the last batch is at 12 midnight. After regular banking hours, transactions are processed through automated S<a href=\"https:\/\/razorpay.com\/learn\/what-is-straight-through-processing\/\">traight-Through-Processing<\/a> (STP).<\/p>\n<p dir=\"ltr\">However, customers should note that walk-in NEFT transactions at PNB branches can only be conducted during banking hours- which are from 8:00 am to 7:00 pm from Monday to Saturday. Additionally, NEFT services are not available on the 2nd and 4th Saturdays of the month and on bank holidays.<\/p>\n<h2 dir=\"ltr\"><span class=\"ez-toc-section\" id=\"Tips-to-Minimize-NEFT-Charges\"><\/span>Tips to Minimize NEFT Charges<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p dir=\"ltr\">To minimize PNB NEFT charges, consider the following tips:<\/p>\n<ul dir=\"ltr\">\n<li>\n<p dir=\"ltr\">Opt for online NEFT transactions through PNB net banking or mobile banking app or website, as these channels offer free NEFT services.<\/p>\n<\/li>\n<li>\n<p dir=\"ltr\">If branch transactions are necessary, try to consolidate multiple transfers into a single transaction to avoid multiple charges.<\/p>\n<\/li>\n<li>\n<p dir=\"ltr\">Keep an eye out for promotional offers or fee waivers that PNB may introduce from time to time.<\/p>\n<\/li>\n<li>\n<p dir=\"ltr\">Maintain a minimum balance in your account to avoid additional charges that may be levied on non-maintenance of the minimum balance.<\/p>\n<\/li>\n<\/ul>\n<h2 dir=\"ltr\"><span class=\"ez-toc-section\" id=\"How-to-Use-NEFT-with-PNB\"><\/span>How to Use NEFT with PNB?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p dir=\"ltr\">Initiating an NEFT transaction with PNB is a simple process, whether done online or at a branch. For online transactions, follow these steps:<\/p>\n<ol dir=\"ltr\">\n<li>\n<p dir=\"ltr\">Log in to your PNB net banking portal.<\/p>\n<\/li>\n<li>\n<p dir=\"ltr\">Navigate to the &#8216;Transactions&#8217; menu and select &#8216;Transfer to Other Banks&#8217; followed by &#8216;NEFT.&#8217;<\/p>\n<\/li>\n<li>\n<p dir=\"ltr\">Choose the beneficiary, and enter the amount, remarks, transaction date, and frequency.<\/p>\n<\/li>\n<li>\n<p dir=\"ltr\">Review the details, enter the transaction password, and submit.<\/p>\n<\/li>\n<li>\n<p dir=\"ltr\">Save the reference number and confirmation message for future reference.<\/p>\n<\/li>\n<\/ol>\n<p dir=\"ltr\">For branch transactions, fill out the NEFT form with the necessary details and submit it at the counter. Collect the acknowledgement receipt and await an SMS confirmation once the transfer is processed.<\/p>\n<h2 dir=\"ltr\"><span class=\"ez-toc-section\" id=\"Eligibility-of-PNB-NEFT-Transactions\"><\/span>Eligibility of PNB NEFT Transactions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p dir=\"ltr\">NEFT services are available to all PNB customers, including individuals, firms, and corporates maintaining savings, current, or overdraft accounts. Even non-customers can avail NEFT services by visiting a PNB branch and providing the necessary details and identification proof.<\/p>\n<p dir=\"ltr\">To transfer funds via NEFT, the beneficiary must have an account with a bank that is part of the NEFT network. Additionally, both the originating and receiving banks should be NEFT-enabled.<\/p>\n<h2 dir=\"ltr\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p dir=\"ltr\">PNB&#8217;s NEFT services offer a reliable, secure, and cost-effective means of transferring funds nationwide. By understanding the PNB NEFT charges, transaction limits, and timings, customers can make informed decisions and optimize their fund transfer strategies. With round-the-clock availability and competitive pricing, PNB NEFT remains a preferred choice for both retail and corporate customers in 2026.<\/p>\n<h2 dir=\"ltr\"><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions-FAQs\"><\/span>Frequently Asked Questions (FAQs)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 dir=\"ltr\">1. What is the maximum amount I can transfer via NEFT at PNB?<\/h3>\n<p dir=\"ltr\">The maximum amount per NEFT transaction is \u20b95,00,00,000 (\u20b95 crores), as per RBI guidelines. However, retail net banking users may have a lower per-transaction limit of \u20b92,00,000 and a daily limit of \u20b915,00,000.<\/p>\n<h3 dir=\"ltr\">2. Are NEFT charges waived for senior citizens or specific accounts?<\/h3>\n<p dir=\"ltr\">PNB may offer concessions or waivers on NEFT Transaction Charges for senior citizens or specific account types. It is best to check with your local PNB branch or visit the official website for the latest information on such offers.<\/p>\n<h3 dir=\"ltr\">3. What are the charges for failed or returned NEFT transactions?<\/h3>\n<p dir=\"ltr\">In case of failed or returned NEFT transactions, PNB may levy charges as per their policy. These charges are subject to change, and customers should refer to the bank&#8217;s official website or contact their branch for the most up-to-date information.<\/p>\n<h3 dir=\"ltr\">4. Are there any exemptions or discounts on NEFT charges at PNB?<\/h3>\n<p dir=\"ltr\">PNB may offer exemptions or discounts on NEFT PNB charges during promotional periods or for specific customer segments. Keep an eye out for official announcements or contact your branch to learn about any ongoing offers.<\/p>\n<h3 dir=\"ltr\">How do I initiate an NEFT payment with PNB?<\/h3>\n<p dir=\"ltr\">To initiate an NEFT payment with PNB, you can either use the net banking or mobile banking facility or visit your nearest PNB branch. Fill out the NEFT form with the required beneficiary and transaction details, and submit it at the counter. For online transactions, log in to your net banking account, navigate to the NEFT section, and follow the provided steps to complete the transfer.<\/p>\n<p dir=\"ltr\">By understanding the PNB NEFT charges, NEFT timings, and the process of initiating transactions, customers can make the most of this secure and efficient fund transfer system. With its extensive reach and round-the-clock availability, NEFT remains a trusted choice for individuals and businesses alike in 2026.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The National Electronic Funds Transfer (NEFT) system, operated by the Reserve Bank of India (RBI), enables secure and reliable interbank fund transfers across India. Punjab National Bank (PNB), one of the leading public sector banks, offers NEFT services to its customers at competitive rates. This comprehensive guide explores the NEFT charges of PNB for the<\/p>\n","protected":false},"author":151156506,"featured_media":16532,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1387],"tags":[1509,3854,4144],"class_list":{"0":"post-15542","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-payments","8":"tag-neft","9":"tag-neft-charges","10":"tag-pnb-neft-charges"},"_links":{"self":[{"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/posts\/15542","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/users\/151156506"}],"replies":[{"embeddable":true,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/comments?post=15542"}],"version-history":[{"count":3,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/posts\/15542\/revisions"}],"predecessor-version":[{"id":18831,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/posts\/15542\/revisions\/18831"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/media\/16532"}],"wp:attachment":[{"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/media?parent=15542"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/categories?post=15542"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/tags?post=15542"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}