Punjab national bank is one of the bank that are only in india. I am a student and I am using a RUPAY card of this bank, here no money is deducted due to low balance . PNB branches are avilable in all over India, the branch which I get in touch is very polite and are always helpfull. It also provides loan to farmers at 0% interest rate that too for a very long period of time. I hope my review helped you. Give a thumbs upp if you liked it or leave a comment if you have any doubts.
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