Hello friends I was share my experience about this bank I was already open a bank account it is the lead bank of india and very effective interest and other things are very good punjab national bank are public sector bank and newely emerge I was satisfied to open a bank account modern things are done online transaction are implemented phone banking and atm availabilty are also done I just recommended that you can open a account withoit hesitate because there is a government bank and terms and condition are very good customer service was very good