OF PUNJAB NATIONAL BANK. Customers already having Customer ID/​Account with PUNJAB NATIONAL BANK cannot apply for Online account opening. Punjab National Bank savings accounts interest rate is 4% per annum if the balance in the account is over Rs. 50 lakhs. For balances up to Rs. You can walk into your nearest Punjab National Bank branch with the required documents and open an account instantly. You can also apply online and a bank​.

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