Punjab National Bank (PNB) has issued an important reminder to customers whose KYC (Know Your Customer) details are pending or due for renewal. As part of regulatory compliance and security guidelines mandated by the Reserve Bank of India (RBI), PNB has set November 30, 2025, as the final deadline for updating KYC information. Customers who do not complete their KYC update by this date may face service restrictions, including blocked transactions, limited access to digital banking, or temporary account freezes. With millions of individuals relying on PNB for savings, salary, and daily banking needs, ensuring timely KYC completion is essential for uninterrupted account use. This guide explains the deadline, required documents, and how to update your KYC easily.
PNB KYC Highlights at a Glance
Here is an overview:
| Feature | Details |
|---|---|
| Bank | Punjab National Bank (PNB) |
| KYC Deadline | November 30, 2025 |
| Who must update | Customers with KYC pending or outdated |
| Potential consequence | Account may face restrictions or freezes |
| How to update | Online via mobile app/Internet banking or branch submission |
| Required documents | Identity proof, address proof, PAN/Form 60, photo |
Reason for Enforcing PNB KYC Update
Keeping your KYC up to date is not just a formality, it’s central to banking security, regulatory compliance and service continuity.
Recent regulatory guidelines from the Reserve Bank of India (RBI) require banks to verify and maintain up-to-date KYC details for all account holders. PNB’s November 30 deadline is part of that broader mandate. The bank has emphasised that only those accounts marked “KYC pending” or flagged for periodic updation will be affected. If the deadline is missed, you may face service suspension, inability to transact, or require re-activation after additional verification.
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Which Customers Are Subject to the PNB KYC Deadline
It’s important to determine whether you must update your KYC by the deadline.
The update requirement applies to customers whose KYC was due as of the cutoff date (e.g., those with accounts opened long ago, without updated address/identity proof, or where KYC records were flagged inactive). If your account shows a status of “KYC not verified” or “Verification pending”, you should act. Customers who were compliant and already verified may not need fresh action unless notified.
Suggested Read: PNB Personal Loan | PNB Insta Loan
How to Update Your PNB KYC
Updating your KYC with PNB is now streamlined with multiple channels. Choose the method that suits you best: either online or via branch.
Online Method:
- Log into the PNB mobile app (for example, PNB One) or Internet banking.
- Navigate to the “Services” or “KYC Update” section.
- Check your current KYC status. If marked “Pending”, select “Update KYC”.
- Upload scanned copies or photographs of your identity and address proof, PAN or Form 60 (if applicable), recent photograph.
- Link/verify your mobile number and Aadhaar (if required).
- Submit and await confirmation or OTP verification.
Suggested Read: PNB Net Banking
Branch Method:
- Visit your home branch or any PNB branch with your original documents and copies.
- Fill out the KYC updation form available at the branch.
- Submit identity proof (Aadhaar, PAN, Voter ID) and address proof (utilities bill, bank statement, rent agreement).
- Provide a recent passport-size photograph.
- Branch staff will process and update your KYC record.
Ensure that your mobile number is active on record; many verifications use OTPs tied to your registered number.
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Documents Required for PNB KYC Update
To avoid delays or rejection, keep the following documents ready:
- Valid identity proof (Aadhaar card, PAN card, passport, voter ID, driving licence)
- Valid address proof (utility bill not older than 3 months, bank statement, rent agreement)
- PAN card or Form 60 (if PAN is not available)
- Recent photograph (passport size)
- Registered mobile number linked with your account
Make sure that the details on your documents (name, date of birth, address) match the records with the bank. Mismatches often cause rejection or further verification.
Suggested Read: PNB Personal Loan Customer Care
What Happens If You Miss the November 30 Deadline?
Missing the KYC deadline could lead to various service restrictions on your account.
Possible consequences include:
- Account being flagged as non-KYC compliant, leading to freezing of new transactions.
- Suspension of cheque issuance, new deposits, or online transfers until KYC is done.
- Inability to access certain banking services such as high-value withdrawals or digital banking features.
- In severe cases, closure of the account after further notice (though banks typically give multiple reminders).
It’s best to act proactively rather than wait for the bank to enforce restrictions.
Why You Should Update KYC Sooner Rather Than Later
Completing your KYC early offers several advantages beyond merely avoiding penalties.
- Maintains uninterrupted access to banking services (deposits, withdrawals, transfers).
- Helps you enjoy new digital features and banking promotions without delay.
- Reinforces security of your account by verifying your identity and reducing fraud risk.
- Avoids last-minute rush and document verification hassles at branches.
- Ensures compliance with regulatory deadlines and updates.
By updating your KYC early, you ensure your banking experience remains seamless and secure.
Tips for a Smooth KYC Update Experience
To make your KYC update process hassle-free, follow these practical tips:
- Use high-quality document scans/photos: ensure clarity, no glare, and all text readable.
- Use the mobile number that is registered with your bank for OTP verifications.
- Verify that your Aadhaar is linked with your mobile number and that your details are updated.
- Avoid downloading or submitting forms from unofficial websites; always use the bank’s official channel.
- If uploading from home, use a stable internet connection and formatted files (pdf or jpg) under size limits.
- Visit the bank branch during non-peak hours if you choose the in-person route to save waiting time.
- Keep track of your KYC update status through the app or online banking until it shows “Completed”.
Conclusion
With the November 30, 2025 deadline looming for KYC updates at PNB, customers should treat this as a top-priority task. Ensuring your KYC is updated protects you from service disruptions, maintains full access to your account, and keeps your banking secure.
Don’t wait until the last moment, review your KYC status today, gather the required documents, and complete the update either online or at your branch. Staying compliant means staying connected with your banking services without interruption.
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