Punjab National Bank (PNB) customers with old, unused accounts should check their account status before November 10, 2026. According to a notice issued by the bank on October 26, accounts that have remained inactive for more than three years and had a zero balance as of September 30, 2026, may be closed if customers do not complete the required KYC and reactivation process. The measure does not apply to every PNB account. Customers who believe their accounts meet both conditions should contact their branch to confirm whether any action is required.
Which PNB Accounts Could Be Closed?
The bank’s notice identifies two conditions that must both be met for an account to fall within the specified category. First, there must have been no customer activity or transactions for more than three years as of September 30, 2026. Second, the account must have a zero balance.
This means customers who stopped using an account before September 30, 2023, and have not maintained any funds in it should check whether it is covered by the notice. An old salary account left unused after changing jobs is one example of an account worth reviewing.
However, customers should not assume that every unused account will automatically be closed. The stated conditions are specific, and the safest approach is to confirm the account’s status directly with PNB before taking action.
What Customers Need to Do Before November 10
Customers who want to retain an account covered by the notice should complete the bank’s required formalities by November 10, 2026. The process generally involves verifying the account’s status, updating KYC information and submitting a request to reactivate the account.
The following steps can help customers avoid last-minute difficulties:
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Contact the bank branch: Ask whether the account falls within the category identified in the notice.
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Update KYC details: Provide valid identity and address documents as required by the bank.
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Request reactivation: Submit the necessary application and supporting paperwork.
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Confirm completion: Check with the bank that the account has been reactivated and that any outstanding requirements have been met.
Depending on the account and the bank’s applicable procedures, customers may be asked to provide documents such as an Aadhaar card, passport, driving licence, voter ID or PAN card. Form 60 may be relevant where applicable. Customers should confirm the exact requirements with their branch rather than assuming that the same documents will be necessary in every case.
How Is an Inoperative Account Different?
An important distinction exists between an account classified as inoperative and an account covered by the latest closure notice.
Under PNB’s general guidance, a savings or current account may be classified as inoperative when there has been no customer-induced activity for 24 months. This is different from the specific notice concerning accounts with more than three years of inactivity and a zero balance.
Depending on the bank’s rules, certain non-financial activities, such as an eligible balance enquiry or a KYC update, may also count as customer activity. The treatment of individual transactions and requests depends on the applicable banking procedures.
An account becoming inoperative after two years does not, by itself, mean that it will automatically be closed under the November 10 deadline. Customers should establish whether their account meets both conditions in the specific notice.
Where Can PNB Customers Get Help?
Customers who are uncertain about their account status can visit their nearest PNB branch and request clarification. They can also contact the bank through its published customer-care channels.
The toll-free numbers provided in the notice are:
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1800-1800
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1800-2021
Customers should use official bank channels and avoid sharing passwords, PINs or one-time passwords with anyone claiming to assist with reactivation.
People who hold multiple accounts, including old salary accounts or savings accounts opened for a specific purpose, may find it useful to review them periodically. Keeping account details and KYC information updated can also make future banking requirements easier to manage.
What Account Holders Should Remember
The November 10, 2026, deadline relates to the specific category described in PNB’s notice: accounts with more than three years of inactivity and a zero balance as of September 30, 2026. It should not be interpreted as a blanket closure deadline for all PNB customers.
Anyone who wants to retain an account that may fall within this category should confirm the position with the bank and complete the required steps within the stated timeframe. Checking early can help customers avoid unnecessary disruption and establish whether any action is needed.