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PNB DSP Account Benefits for Defence Employees

PNB DSP Account Benefits for Defence Employees Serving in Indian Army, Indian Air Force, and Indian Navy. These benefits are available up to the Memorandum of Understanding (MoU) between the Ministery of Defence and the Punjab National Bank (PNB). These benefits are available only for Serving/ Retired Defence personnel. This MoU validity 08 Jan 19 to 07 Jan 2022.

PNB DSP Account Benefits for Defence Employees

Ser No  Benefits Name
Quantity of Benefits
01Personal Accidental Cover
Rupees 30 Lacs
02Total DisabilityRupees 30 Lacs
03Partial DisabilityNo
04Applicability of PensionersYes
05Cover on Anti Terrorist/ Naxal OperationNo
06Add on coverNo
07Additional Insurance on Debit Card/ Credit Card Debit Card- 1-2 Lakh
Credit Card- 2-10 Lac
08Additional Accidental Insurance CoverRupees 1 Crore (Tickets purchased through PNB Salary Account)
09Purchase ProtectionNo
10Personal Accidental Insurance Death AssistanceRs 1 Lakh or actual expenditure per year for 4 years for the education of one child
11Waiver in processing fee on LoanWaived
12Concessional Rates on LoanHome Loan- 5% in Margin Money,
Car Loan-ROI@ 1 YEAR MCLR+0.35%,
Personal Loan- ROI@1 year MCLR+2.0%,
 Overdraft- 1.55%
13Over Draft facilityRupees 75000 to 03 Lac).
14Education LoanAvailable.
15Demand DraftYes, without any charge.
16Locker FacilityConcession on Annual Maintenance charge 25% for 3 Years
17Use of other Bank ATMYes.
18Facilities for Nepali Gorkha SoldiersFree remittance to EBL linked account
19Credit CardFree on request
20Demat Account/ Online trading accountAvailable through SMC and Networth (Approved Broker)
21ChequesInstant Credit of outstation Cheques Upto Rupees 50000,
Unlimited Multicity cheques (Except for bulk requirement for EMI payment to other Banks FI/ NBFC)
22ATM/ Debit Card facility2 Debit Card without any annual fee
23Free Advisory ServiceYes
24Additional zero balance Salary AccountTo Parents, Spouse, Dependent Children
25Doorstep BankingTo Sick/ incapacitated
26SMS facilityYes

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