PNB has urged its customers to update their KYC by November 30, 2025, or they may face transaction restrictions on their accounts. The bank has provided several easy options for updating KYC, including apps, internet banking, and email.
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PNB KYC update: Punjab National Bank (PNB) has issued a major alert to its millions of customers. The bank has stated that all accounts whose KYC was due by September 30, 2025, must be updated by November 30, 2025. This step has been taken under the directives of the Reserve Bank of India (RBI) to ensure transparency and security in the banking system. If customers fail to complete KYC by this deadline, the account may face transaction restrictions as per regulations. This means that your account will remain active, but you may face difficulties withdrawing, depositing, or conducting digital transactions.
Why is KYC necessary?
KYC, or “Know Your Customer,” is the official process for identifying and verifying every bank customer. The RBI believes that incomplete KYC increases the risk of banking fraud, fake accounts, money laundering, and cyber financial crime. Therefore, banks are required to periodically update their customers’ KYC. Customers with outdated documents, address changes, or unupdated identity cards are required to undergo this process.
Which customers will need to update their KYC?
According to information released by PNB, customers whose accounts were due for KYC updates by September 30, 2025, will need to submit their documents again. This includes:
⦁ Those whose address has changed
⦁ Those whose identity card has expired
⦁ Those whose mobile number is not registered
⦁ Those whose PAN is not updated
⦁ Those whose account has previously encountered a KYC deficiency
What documents must be submitted?
⦁ Identity proof—Aadhaar card/Voter ID/Passport/Driving license
⦁ Address proof—Above documents or electricity bill/gas bill/bank statement
⦁ PAN card or Form 60
⦁ Recent passport-sized photo
⦁ Income proof (for certain accounts)
⦁ Mobile number (if not already registered)
How can you do this?
By visiting a branch
KYC documents can be submitted by visiting any nearby PNB branch.
Through the PNB ONE app
A KYC update feature is available on the mobile app, where documents can be uploaded.
Through Internet Banking (IBS)
All documents can be submitted by logging in and going to the “Update KYC” section.
Through WhatsApp and SMS
Updates can also be made through PNB’s WhatsApp banking number and SMS service.
By sending via email/post
Customers can send documents to their home branch via registered email or post.
What happens if KYC isn’t completed on time?
If customers don’t update their KYC by November 30th, the bank may “partially freeze” their account, as per RBI guidelines.
⦁ Withdrawals from the account may be restricted.
⦁ Digital payments, UPI, IMPS, and NEFT may be limited or blocked.
⦁ New checkbooks/ATM cards will not be issued.
⦁ Large transactions may be restricted.
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