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PNB: How to Lodge a Complaint to Punjab National Bank?


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Punjab National Bank (source –

Punjab National Bank (PNB) is the second largest (next only to SBI) Indian public sector bank headquarters based in New Delhi. The bank opened for business on 12 April 1895 as India’s first Swadeshi Bank. PNB has a large banking network with more than 5400 domestic offices in rural and urban regions. This public sector bank is regulated by the Reserve Bank of India Act, 1934 and the Banking Regulation Act, 1949.

The vision of the bank is “To be a globally trusted banking partner through customer-centric innovations, empowering employees and enriching lives of all stakeholders.”

Notice - Be alert! Don't share the financial or banking details and don't share OTP to customer care executive. Protect yourself from Frauds and Scams. Report to Cyber Crime Bureau or Call 1930 as soon as possible to protect your earnings and others.

Punjab National Bank in international banking:

  • Punjab National Bank (International) Limited (PNBIL) is a subsidiary in the UK.
  • Branches in Hong Kong, Kowloon, Dubai, and Kabul.
  • Representative offices in Almaty (Kazakhstan), Dubai (United Arab Emirates), Oslo (Norway), Shanghai (China), and Sydney (Australia).

Want to complain to Punjab National Bank? Yes! Don’t hesitate to file a complaint to the Banking Staff or customer care representatives of the bank. Call the toll-free PNB customer care number, Email your banking/financial concern, or submit a complaint online (for faster resolution) to higher authorities.

The banking disputes may include:

  • Attitudinal aspects like rude behavior of bank staff, negligence, or corrupt practices by the employees
  • Digital transactions related to ATMs, internet banking, credit cards, mobile banking, UPI/E-Com/POS, etc.
  • Banking transactions/operations and other complaints related to branch level, banking services & products, etc.

Still not resolved or dissatisfied with the resolution from PNB customer care? Escalate the disputed matter to the Principal Nodal Officer, PNB. Further, you may lodge a complaint to the Chief Customer Executive Officer (Internal Ombudsman) of the bank.

Finally, if your complaints are not redressed within 30 days or dissatisfied with Punjab National Bank, file a complaint to the Banking Ombudsman, RBI (Reserve Bank of India).

For other financial disputes like insurance, housing loan, stock market & securities, and pensions, you should approach the respective regulatory bodies, tribunal, or Ombudsman.

How to Register a Complaint with Punjab National Bank?

According to the grievance redressal policy of Punjab National Bank, the grievance escalation matrix has 3 levels. In the initial stage, customers can file a complaint about banking products & services to the respective branch office or call the customer care center by PNB helpline number.

Resolve the banking issues related to:

  • Personal banking including deposits, loans, insurance, government business, pensions, etc.
  • Corporate services like foreign exchange (forex), corporate/business loans, cash management, etc.
  • International and capital services including NRI (Non-Resident Indian) services, remittances, depository, merchant banking, and mutual funds.

You may also e-mail, or lodge a complaint online from Centralized Grievance Redressal and Monitoring System (CGRMS), PNB to get faster resolution.

PNB Grievance Registration Fees and Resolution Period
Registration Fee ₹0 (No Charges)
Resolution Period 30 days (read the grievance policy of PNB bank)
Transaction Refunds Up to 7 working days (read the customer compensation policy of the bank

The levels to resolve a banking dispute:

  • Level 1: Submit your complaint to the PNB Customer Care Centre and Hall In-charge / Branch Manager
  • Level 2: Escalate the grievance to CCEOs (Chief Customer Executive Officers) of the concerned Circle Office / Zonal Office
  • Level 3: Escalate the complaint to Principal Nodal Officer (PNO) and later to the Internal Ombudsman of Punjab National Bank

Not satisfied with the final resolution? Does not get a final reply within 30 days from the bank? You should file a complaint against Punjab National Bank to Banking Ombudsman RBI.

Have complaints about the violation of consumer rights by the bank? Report the incident or consumer dispute with the National Consumer Helpline (NCH), Ministry of Consumer Affairs (MoCA).

PNB Customer Care Number

Interested to call PNB customer care? The easiest way to represent your issue is just to dial the toll-free customer care number of Punjab National Bank. If you want to report any unauthorized transactions, immediately call the PNB helpline number or e-mail to cyber crime cell.

Mention these details:

  • Verify yourself by name
  • The nature of banking complaint
  • Description of the issue with facts (if any)

Suggestion – Don’t share any financial or personal sensitive information with customer care executives even to any banking employee or staff. Be aware and report such incidents to cyber crime police.

Punjab National Bank customer care number, card helpline, and other official contact details for banking complaints:

PNB complaint number 18001800, 18002021
Toll-Free customer care number 18001802222, 18001032222
PNB Credit Card helpline number 18001802345, +911204616200
WhatsApp Number (PNB) +919264092640
PNB international helpline number +911202490000
Email (for security threats/ cybercrime)

For complaints about lost and damaged debit/ATM cards, or non-disbursement of cash from ATM, dial +911202490000 or the above helpline numbers.

Report any internet security vulnerability, phishing attacks, cybercrime, or incident of unauthorized transactions to the cyber crime cell of the bank at (Email). Don’t forget to forward the details of the incident. For more details, visit the security alerts page of the bank.

Don’t forget to note down the reference/ticket number of the submitted complaint to track the status.

Still, have dissatisfaction? Don’t worry. first, you should file an online complaint to the bank. Further, escalate the disputed matter to the circle or zonal officer with reference/ acknowledgment details.

Customer care number, e-mail, and contact details of Punjab National Bank for the issues related to:

1. PNB Housing Finance (PNBHF)

PNB Housing Finance complaint number +911123357174
PNBHF toll-free customer care number 18001208800

2. PNB Gilts

Registered corporate office number +911123325759, +911123325779
PNB Gilts help +911123737891, +911123738985

3. PNB Investment Services Ltd (PNBISL)

Corporate Office Mumbai (PNBISL) +912226532745
PNBISL Regd Office & Head Office Number +911141032929

Have any doubts about the redressal of the issues related to these services of the bank? You should contact or write a letter to the head of the respective departments of Punjab National Bank. Not satisfied with higher authorities? Get help from an expert for further action.

Alternatively, you may lodge a complaint online by filling out the online form and for further action, use the reference/acknowledgment receipt as proof.

File a complaint online

Punjab National Bank suggests customers prefer the online CGRMS (Centralized Grievance Redressal and Mechanism System) platform to file a complaint about banking, financial, and other services.

By filing a banking complaint online, you can track your status and get faster resolution than any other mode of submission. Also, the escalation of unresolved complaints can be easy. You need to just use the reference/acknowledgment number of the lodged grievance for this purpose.

To complain online, provide the following information:

  • Account number
  • Name and communication details (CGRMS form)
  • The category of the complaint
  • Description of the disputed issue

After successful registration of your complaint, note down the received acknowledgement receipt to track your status. If not resolved or dissatisfied with the response, use this detail to escalate the matter.

Details to lodge a complaint online with Punjab National Bank:

Lodge online complaint to PNB File a complaint
Register complaints by CGRMS Form (branch level, service, etc.)  Click Here
Email (Credit Card)
Track complaint status Track now

Still, have a query? You may contact the Punjab National Bank for faster resolution and also share your feedback about services like branch/ATM/Digihut, UPI, IMPS, or RuPay.

Alternative ways to report your concerns:

Twitter @pnbindia
Facebook @pnbindia
Koo @pnbindia
PNB App Android | iOS

If your complaints are not resolved or dissatisfied with the final response, escalate the complaint to Circle or Zonal Officer and further, to Principal Nodal Officer (PNO), PNB.

CCEOs and Zonal Managers, PNB

Want to escalate the unresolved or unsatisfactory complaints? Email to the Chief Customer Executive Officers (CEOs) and Zonal Manager of Punjab National Bank. Ensure that give at least 2 weeks to the customer care centre to resolve your complaint. After this, it will be automatically escalated to CCEOs (Internal Ombudsman).

1. Agra

Zonal Office, PNB CCEOs, Agra
Phone No. +915624012549 (ZM), +915622850023 (CCEO)
Address Punjab National Bank, Zonal Office- Agra, 1-2 Raghunath Nagar Mg Road Agra 282002
Circle Offices (CO) Agra, Aligarh, Bareilly, Budaun, Bulandshahr, Etawah, and Jhansi

2. Ahmedabad

Zonal Office, PNB CCEOs, Ahmedabad
Phone No. +917947010202 (ZM), +917947010204 (CCEO)
Address Punjab National Bank, Zonal Office- Ahmedabad, 4th Floor, Chanakya Building, Near Dinesh Hall, Off Ashram Road, Ahmedabad-380009.
Circle Offices (CO) Ahmedabad, Gandhinagar, Rajkot, Surat, and Vadodara

3. Amritsar

Zonal Office, PNB CCEOs, Amritsar
Phone No. +911832565281, +911835017111 (ZM), +911832507202 (CCEO)
Address Punjab National Bank, Zonal Office- Amritsar, SCO 10, Distt. Shopping Complex, Near Passport Office, Ranjit Avenue, Amritsar 143001.
Circle Offices (CO) Amritsar, Hoshiarpur, Jalandhar, Jammu, Kapurthala, Pathankot, and Srinagar

4. Bhopal

Zonal Office, PNB CCEOs, Bhopal
Phone No. +917552550663 (ZM)
Address Punjab National Zonal Office -Bhopal,  2nd Floor – Pnb House 1, Arera Hills, Bhopal – 46201.
Circle Offices (CO) Bhopal, Indore, Jabalpur, Sagar, and Ujjain

5. Bhubhaneshwar

Zonal Office, PNB CCEOs, Bhubaneswar
Phone No. +916742353050 (ZM), +916742353052 (CCEO)
Address Punjab National Zonal Office -Bhubaneshwar, J/3, revenue plot no. – 1561(p), at-jagamara, po-khandagiri, Bhubaneswar-751030 (odisha)
Circle Offices (CO) Bhubaneshwar, Baleswar, Berhampur (Ganjam), Cuttack, and Sambalpur

6. Chandigarh

Zonal Office, PNB CCEOs, Chandigarh
Phone No. +911722721037 (ZM), +911722704812 (CCEO)
Address Punjab National Zonal Office -Chandigarh, 1st Floor, PNB House, Bank Square, Sector- 17 B, Chandigarh
Circle Offices (CO) Chandigarh, Jind, Karnal, Kurukshetra, and Panipat

7. Chennai

Zonal Office, PNB CCEOs, Chennai
Phone No. +914428112218 (ZM), +914428120270 (CCEO)
Address Punjab National Zonal Office -Chennai, PNB Towers, No.46-49, 4th & 5th Floor, RH Road, Royapettah, Chennai- 600014
Circle Offices (CO) Chennai, Coimbatore, Ernakulam, Kozhikode, Madurai, Thiruvananthapuram, and Trichy.

8. Dehradun

Zonal Office, PNB CCEOs, Dehradun
Phone No. +911352710107 (ZM), +911352745412 (CCEO)
Address Punjab National Zonal Office -Dehradun, IInd Floor, Radha Palace,78-Rajpur Road, Dehradun-248001
Circle Offices (CO) Dehradun, Haldwani, Haridwar, and Tehri.

9. Delhi

Zonal Office, PNB CCEOs, Delhi
Phone No. +911143560952 (ZM), +911143176305 (CCEO)
Address Punjab National Zonal Office -Delhi, 2nd Floor ,7th , Bhikaji Cama Place , New Delhi
Circle Offices (CO) Delhi, Ghaziabad, New Delhi, Noida, Gurugram, Faridabad, Hisar, Rewari, Rohtak, and Sirsa.

10. Durgapur

Zonal Office, PNB CCEOs, Durgapur
Phone No. +911143560952 (ZM), +911143176305 (CCEO)
Address Punjab National Zonal Office – Durgapur, City Centre, Red Cross Road, Durgapur 713216, West Bengal
Circle Offices (CO) Durgapur, Bardhman, Malda, Murshidabad, Nadia, New Jalpaiguri (Siliguri), and Purulia.

11. Guwahati

Zonal Office, PNB CCEOs, Guwahati
Address Punjab National Zonal Office – Guwahati, UBI Building, 2nd floor, H.B. Road, Panbazar, Guwahati (Assam) 781001
Circle Offices (CO) Guwahati, Agartala, Dibrugarh, Guwahati, Jorhat, Kamrup, Nagaon, Silchar, and Imphal.

12. Hyderabad

Zonal Office, PNB CCEOs, Hyderabad
Phone No. +914023235646 (ZM), +914023243080 (CCEO)
Address Punjab National Zonal Office – Hyderabad, (Camp Office) 6-1-73,2nd Floor, Saeed Plaza, Lakdi-Ka-Pul, Hyderabad, Telangana-500004
Circle Offices (CO) Hyderabad, Bangalore, Hubli, Secunderabad, Vijayawada, and Vizag.

13. Jaipur

Zonal Office, PNB CCEOs, Jaipur
Phone No. +911412743349 (ZM), +911412744731 (CCEO)
Address Punjab National Zonal Office – Jaipur, 2 Nehru Place, tonk road, Jaipur-302015, Rajasthan
Circle Offices (CO) Jaipur, Alwar, Bharatpur, Ajmer, Sikar, Jodhpur, Bikaner, Hanumangarh, Sri Ganganagar, Udaipur, and Kota.

14. Kolkata

Zonal Office, PNB CCEOs, Kolkata
Phone No. +913322489802 (ZM)
Address Punjab National Zonal Office – Kolkata, United Tower, 11, Hemanta Basu Sarani, Dalhousie, Kolkata- 700001
Circle Offices (CO) Kolkata, Hoogly, Kharagpur, 24 Pargana North, Mednipur Paschim, Mednipur Purba, and 24 Pargana South.

15. Lucknow

Zonal Office, PNB CCEOs, Lucknow
Phone No. +915222306435 (ZM), +915222728041 (CCEO)
Address Punjab National Zonal Office – Lucknow, Vibhuti Khand Gomti Nagar Lucknow
Circle Offices (CO) Lucknow, Ayodhya, Basti, Gorakhpur, and Sitapur.

16. Ludhiana

Zonal Office, PNB CCEOs, Ludhiana
Phone No. +911612550120 (ZM), +911612888047 (CCEO)
Address Punjab National Zonal Office – Ludhiana, Site no. 5, Ferozepur Road, Ludhiana, 141012
Circle Offices (CO) Bathinda, Fazilka, Moga, Patiala, and SAS Nagar Mohali.

17. Meerut

Zonal Office, PNB CCEOs, Meerut
Phone No. +911212671472 (ZM), +911212671357 (CCEO)
Address Punjab National Zonal Office – Meerut, Pnb Zonal Office Lic Building Prabhat Nagar Meerut -250002
Circle Offices (CO) Meerut, Bijnore, Moradabad, Muzaffarnagar, and Saharanpur.

18. Mumbai

Zonal Office, PNB CCEOs, Mumbai
Phone No. +912222833802 (ZM), +912222834098  (CCEO)
Address Punjab National Zonal Office – Mumbai, 11th Floor, Dalamal House, Jamnalal Bajaj Marg, Nariman Point, Mumbai – 400021
Circle Offices (CO) Mumbai, Kolhapur, Nagpur, Nashik, Pune, and Thane.

19. Patna

Zonal Office, PNB CCEOs, Patna
Phone No. +916122506709 (ZM), +916122506709 (CCEO)
Address Punjab National Zonal Office – Patna, 2nd Floor Chanakya Towers, R Block Patna 800001
Circle Offices (CO) Patna, Arrah, Aurangabad (Bihar), Bhagalpur, Biharsharif, Champaran, Motihari, Darbhanga, Gaya, Katihar, and Muzaffarpur.

20. Raipur

Zonal Office, PNB CCEOs, Raipur
Phone No. +917712210403 (ZM)
Address Punjab National Zonal Office – Raipur, First floor, Plot No. 46, Sector 24, Opposite Block `A Office Campus, Atal Nagar, Naya Raipur-492018
Circle Offices (CO) Raipur, Bilaspur, Bokaro, and Ranchi.

21. Shimla

Zonal Office, PNB CCEOs, Shimla
Phone No. +911772651441 (ZM), +911772651448 (CCEO)
Address Punjab National Zonal Office – Shimla, 3rd Floor Mc Parking Cart Road, Shimla – 171001
Circle Offices (CO) Shimla, Dharamshala, Hamirpur, Mandi, and Solan.

22. Varanasi

Zonal Office, PNB CCEOs, Varanasi
Phone No. +915422506063 (ZM)
Address Punjab National Zonal Office – Varanasi, 102, 1st Floor, Varanasi Trade Centre, Maqbool Alam Road, Varanasi-221002 (U.P.)
Circle Offices (CO) Varanasi, Kanpur, Mau, Prayagraj, and Raebareli.

Want to contact the Circle Officer of your local branch? Click “list of Chief Customer Executive Officers of PNB” to know the contact number.

If your complaints are not resolved within 2 weeks, escalate the complaint or dissatisfaction to Principal Nodal Officer, PNB below.

Principal Nodal Officer (PNO), PNB

Dissatisfied with the customer service center? If your complaints are not resolved or did not get a response within 2 weeks then lodge a complaint to Principal Nodal Officer (PNO), Punjab National Bank. For this, you may write a grievance letter or Email your disputed or unresolved matters to PNO.

To escalate the case, provide the following details:

  • Acknowledgment receipt/ reference number
  • The reason for dissatisfaction
  • Description of the issue

Send a written complaint or Email your concerns to the Nodal Officer at:

Designation Principal Nodal Officer (PNO), PNB
Phone No. +911244126244
Address Principal Nodal Officer, General Manager, Punjab National Bank, Customer Care Centre,  Plot No. 5, Institutional Area, Sector-32, Gurugram (Haryana)- 122001.

Are you dissatisfied with the final resolution of the Nodal Officer? Yes! if your complaints are not resolved within 30 days or dissatisfied with redressal then lodge a complaint against Punjab National Bank to Banking Ombudsman, RBI.

If you are not satisfied with the redressal of complaints by the overseas branch (Chief Executive, PNB, BO: DIFC, Dubai), escalate the complaint to:

Designation General Manager, International Banking Division (PNB)
Address General Manager, International Banking Division, Head Office: Sector 10, Dwarka, New Delhi.

For the violation of consumer rights, you may approach the National Consumer Disputes Redressal Commission (NCDRC) to file a case against the bank.

Banking Ombudsman, RBI

According to the Integrated Ombudsman Scheme, 2021 of the Reserve Bank of India, if you are not satisfied with the resolution or do not get a final reply within 30 days from designated officials of Punjab National Bank, file a complaint to Banking Ombudsman, RBI with reference and other information.

Don’t forget to mention a reference, acknowledgment receipt, and reason for dissatisfaction with expected relief from the Ombudsman. Visit the link below to lodge a complaint.

Click: Lodge a complaint online to Banking Ombudsman, RBI

Have complaints about other financial disputes? Approach the respective regulatory bodies like:

Yet not satisfied? You may approach the higher legal authorities or tribunals with the help of a legal expert. Don’t go ahead with consulting with any expert of the field to make the process easier.

Resolve banking issues

These are some banking and financial issues that can be resolved by the PNB are:

Personal Banking

  • Issues related to deposits, loans (retail, MSME, agriculture), and NPS (pension)
  • Insurance, investment schemes, and other saving products & services
  • Issues related to UPI, payments, internet banking, and other digital transactions
  • Problems with government business, financial inclusion, and priority sector banking


  • Disputes related to corporate/ business loans, forex services (for Exporter and Importer), and cash management services
  • Issues with PNB Gold Card Scheme for Exporters

International banking

  • Cases related to the International FX Retail Platform and LIBOR Transmission Schemes / Products / Services of the bank
  • Concerns with NRI banking services, Helpdesk for Forex services, and PNB World Travel Card
  • Issues regarding Foreign branches, Trade Finance Redefined Portal, and Outward remittance under LRS

Capital Services

  • Complaints related to depository services, ASBA, Mutual Funds, and Merchant banking


  • The matters related to PNB ONE, FinTech initiatives, Positive Pay System (PPS), and PNB PIHU
  • Banking services through WhatsApp, OTP-based Aadhaar seeding, Retail/Corporate internet banking
  • Issues with BHIM PNB (UPI), RTGS/NEFT/ IMPS/ECS/NACH, Debit Card, E-Statement, and SMS banking

Loans and Finance

  • Complaints about, Home, Car (vehicle), and MSME loan
  • Disputes regarding Credit Cards, Export finance, online Mutual Funds, and Trade Finance
  • Matters related to online bank account opening (Through Video KYC), and InstaLoans
  • Problems with KCC renewal, Krishi Tatkal Rin, Pre-approved business loan, E-Mudra, and Digital KCC

Frequently Asked Questions about Punjab National Bank

Q. What is the PNB customer care number to report a banking issue?
A. Dial the toll-free PNB customer care numbers 18001800 and 18001802222 to lodge a complaint. You may also e-mail to raise your concerns with the bank.

Q. Where can I lodge a complaint if my issues are not resolved by customer care of Punjab National Bank?
A. First, file a complaint to your nearest branch or escalate a grievance to the Principal Nodal Officer (PNO), at Punjab National Bank. Further, you may approach the internal Ombudsman of the bank.

Q. Where can I approach if I’m not satisfied with the final resolution of the bank?
A. If your complaints are not resolved within 30 days or dissatisfied with the final response of PNB, lodge a complaint against the bank to Banking Ombudsman, RBI with some required information about the issue.


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