PNB Alerts Account Holders: Complete KYC to Prevent Account Closure by April 15, 2026

Punjab National Bank (PNB) has notified account holders with inoperative accounts of the importance of completing their Know Your Customer (KYC) process by April 15, 2026, to avert account closure starting April 16, 2026. 

Understanding Inoperative Accounts 

As per guidelines, an inoperative account at PNB is defined as a savings or current account with no customer-induced transactions for more than 2 years. Such accounts are at risk of closure if not reactivated by completing the necessary KYC process. 

Account holders can complete their KYC through various channels, including visiting their home branch, using non-home branches, or through V-CIP, subject to the bank’s provisions. Effective completion of this process will ensure the reactivation of inoperative accounts. 

Steps to Reactivate Inoperative Accounts 

To reactivate an inoperative account, customers need to engage in certain transactions or activities. This can include a financial or non-financial transaction initiated by the account holder, or a KYC update conducted through physical or digital channels. 

Read More: LIC Hit Hard by War Jitters: Banks and L&T Lead ₹70,105 Crore Loss! 

In-Person Reactivation at Home Branch 

Visiting the home branch involves presenting a request letter alongside fresh KYC documents. The bank will verify these documents and convert the account from inoperative to operative, restoring account functionality post-validation. 

Non-Home Branch Reactivation 

Account holders may also reactivate their accounts by visiting any non-home branch and submitting a request letter with their Aadhaar details. If the re-KYC is completed using a biometric channel, the bank will convert the account to an operative status. 

Conclusion 

PNB’s directive serves as a crucial reminder for account holders with inoperative accounts to finalise their KYC process by April 15, 2026. Timely action will ensure account continuity and access to banking services without interruption. 

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