United Bank of India

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United Bank of IndiaUnited Bank of India

United Bank of India was amalgamated with the Punjab National Bank w.e.f. 1st August 2020. Its headquarters are in Kolkata with Ashok Kumar Pradhan as its CEO and MD.

On 30th March 2009, the Indian government had approved the restructuring of the United Bank of India. The government proposed the bank to invest about 2.5 billion rupees in shares by 31st March and 5.50 billion in the next fiscal year in the tier -1 capital instruments.

United Bank of India Offerings

PNB offers many schemes/ products/ services some of them are listed as under:-

  • Indo Nepal remittance scheme ( INREMIT Scheme)
  • Foreign Currency Non- resident Deposit A/c Scheme (FD)
  • Non-resident External Deposit A/c Scheme ( SB/CA/FD)
  • Foreign Inward Remittances – Rupee Drawing Arrangements/ Speed Remittances with Exchange Houses.
  • Money transfer schemes
  • PNB-NRI REMIT Scheme
  • Exchange of foreign currency Travellers Cheques/Notes.
  • World Travelcard
  • Buyers/ Suppliers/ credit against imports into India.
  • Letter of Guarantee 
  • Precious metals business( on a consignment basis)
  • home loan 
  • ECGC -Bank assurance – Selling of policies to exporters.

United Bank of India Loans Offered

United Bank of India offers many varieties of loans; some of them are listed as under:

  • Home loan
  • Two-wheeler loan
  • Car loan
  • Personal loan
  • Education loan
  • Housing loans
  • Etc.

United Bank of India Gold loan

Customers in India can get loans against gold ornaments, jewellery, and coins from Punjab National Bank. The gold loan can be used for both productive and non-productive objectives, such as medical treatments, educational expenses, and other unanticipated crises.

Interest Rates

For Productive Purpose Interest Rates
Advance against Gold Jewellery or Ornaments 8.75% p.a. – 9% p.a.
Advance against Sovereign Gold Bonds 7.95% p.a. – 8.95% p.a.

PNB Gold loan Documents Required

The documents listed below are necessary for the processing of your PNB Gold loan.

  • Document of identification:-A driving licence, PAN card, Form 60/61, passport, voter ID card, Aadhaar card, or ration card are all acceptable forms of identification.
  • Document for proof of address: driving license/voter ID card/ration card/Aadhaar card/passport/registered lease agreement utility bills in the landlord’s name are all acceptable forms of proof of address.
  • In the case of an agriculture loan, proof of land ownership is required.
  • Two pictures of passport size

Applying Procedure

You can apply for a gold loan at the united bank of India(Punjab National Bank) in two different ways:-

OFFLINE MODE:- You can easily apply for a gold loan easily by visiting the bank. For this:-

  1. Visit the bank branch.
  2. Meet the official their,
  3. And ask them for a gold loan application form
  4. Go home and fill the application form and attach it with all the documents required
  5. Now visit the bank branch nearest to you again to submit the form.
  6. Now visit them again and again to complete the procedures they ask for,
  7. Till the time your gold loan is approved.

 

ONLINE MODE:- Another way to apply for a gold loan is to apply online.

  1. Visit the official website of PNB.
  2. Go to the gold loan section from the home page.
  3. Download the loan form
  4. Fill it and attach all the required documents.
  5. Submit it to the nearest branch and wait for the approval.

An easier and straightforward way to do this is applying through dialabank to do so you just need to:-

  1. Visit the official website of dialabank.
  2. Go to the gold loan section.
  3. A form will be displayed in front of you.
  4.  Fill out the form.
  5. As soon as you fill out the form our representative will contact you and guide you.
  6. Just follow those directions given by our customer care representative and get your loan approved in lesser than 30 mins.

To know more about a gold loan through PNB click here

United Bank of India Personal loan

United Bank of India(Punjab National Bank) offers a variety of personal loans to salaried and self-employed people, as well as retirees, who require money for a variety of personal and professional reasons. PNB’s maximum loan amount is Rs. 15 lakh for a term of up to 84 months, with interest rates starting at 8.95% p.a.

Highlights:-

Highlights of Punjab National Bank home loan
Interest rate Starting at 8.95% p.a.
Loan Amount Up to Rs. 15 lakh
Loan Tenure Up to 84 months
Processing Fees Up to 0.90% of loans sanctioned
Eligible Applicant Categories Salaried Individuals (Including Defence Personnel)
Doctors
Pensioners
Types of Loans Personal loan Scheme for Public, PNB Doctor’s Delight and home loan Scheme for Pensioners
Foreclosure Charge Nil

Applying Procedure

You can apply for a personal loan at the united bank of India(Punjab National Bank) in two different ways:-

OFFLINE MODE:- You can easily apply for a personal loan easily by visiting the bank. For this:-

  1. Visit the bank branch.
  2. Meet the official there,
  3. And ask them for a personal loan application form
  4. Go home and fill the application form and attach it with all the documents required
  5. Now visit the bank branch nearest to you again to submit the form.
  6. Now visit them again and again to complete the procedures they ask for,
  7. Till the time your home loan is approved.

ONLINE MODE:- Another way to apply for a personal loan is to apply online.

  1. Visit the official website of PNB.
  2. Go to the personal loan section from the home page.
  3. Download the loan form
  4. Fill it and attach all the required documents.
  5. Submit it to the nearest branch and wait for the approval.

A hassle-free and straightforward way to do this is applying through dialabank to do so you just need to:-

  1. Visit the official website of dialabank.
  2. Go to the personal loan section.
  3. A form will be displayed in front of you.
  4.  Fill out the form.
  5. As soon as you fill out the form our representative will contact you and guide you.
  6. Just follow those directions given by our customer care representative and get your loan approved in lesser than 30 mins.

United Bank of India Car loan

The United Bank of India(Punjab National Bank) has a variety of car loan programmes for both retail and commercial customers. There are separate plans for government employees and those who have already taken out a home loan. In addition, the bank offers a scheme that allows you to apply for both a car loan and a home loan in one go.

Types of car loan schemes of PNB

Insta Vehicle Loan Scheme for Existing car Loan Borrowers This scheme is intended for the bank’s existing home loan customers and provides financing to purchase a vehicle for personal use. Get financing for up to 90% of the on-road price of a car or two-wheeler up to Rs.10 lakh.
PNB Combo Loan Scheme (Car Loan + home loan) Under the scheme, you can get a car loan and a home loan at the same time, with the car loan having a lower interest rate and the home loan having more favourable terms and conditions. A car loan has a maximum repayment period of 84 months.
PNB Pride car loan for Government Employees Government employees can benefit from this scheme because they can get financing to buy a car at a low-interest rate. Employees of the central and state governments, as well as members of the armed forces and paramilitary forces, are eligible for the scheme.
PNB Car loan Under this programme, you can buy a new car, jeep, van, multi-utility vehicle, or sports utility vehicle. You can also buy a used vehicle that is no more than three years old.

Applying Procedure

You can ask for a car loan at the united bank of India(Punjab National Bank) in two different ways:-

OFFLINE MODE:- You can easily apply for a car loan by visiting the bank. For this:-

  1. Visit the bank branch.
  2. Meet the official there,
  3. And ask them for a car loan application form.
  4. Go home and fill the application form and attach it with all the documents required.
  5. Now visit the bank branch nearest to you again to submit the form.
  6. Now visit them again and again to complete the procedures they ask for,
  7. Till the time your car loan is approved.

ONLINE MODE:- Another way to apply for a car loan is to apply online.

  1. Visit the official website of PNB.
  2. Go to the car loan section from the home page.
  3. Download the loan form
  4. Fill it and attach all the required documents.
  5. Please submit it to the nearest branch and wait for approval.

A hassle-free and straightforward way to do this is by applying through dialabank. To do so, you need to:-

  1. Visit the official website of dialabank.
  2. Fill in the first form displayed on the screen.
  3. A form will be displayed in front of you.
  4.  Fill out the form.
  5. As soon as you fill out the form, our representative will contact you and guide you.
  6. Just follow those directions given by our customer care representative and get your loan approved in lesser than 30 mins.

United Bank of India Home Loan

PNB housing loan offers a maximum loan amount of Rs. 1 crore. It provides a variety of housing loan programmes to assist individuals in meeting their various funding needs. In addition to benefits such as longer loan terms and faster approvals, the bank offers a 0.05 % interest rate reduction to female borrowers. The interest rate on a home loan from Punjab National Bank (PNB) starts at 6.55%.

PNB Home Loan 2021 Highlights
Interest Rate 6.55% onwards
Loan Amount Up to Rs. 1 crore
Loan Tenure Up to 30 years
Processing Charges No processing fees & documentation charges from 01.09.2021 to 31.12.2021

Applying Procedure

You can apply for a home loan at the united bank of India(Punjab National Bank) in two different ways:-

OFFLINE MODE:- You can easily apply for a home loan by visiting the bank. For this:-

  1. Visit the bank branch.
  2. Meet the official there,
  3. And ask them for a home loan application form.
  4. Go home and fill the application form and attach it with all the documents required.
  5. Now visit the bank branch nearest to you again to submit the form.
  6. Now visit them again and again to complete the procedures they ask for,
  7. Till the time your home loan is approved.

ONLINE MODE:- Another way to apply for a home loan is to apply online.

  1. Visit the official website of PNB.
  2. Go to the home loan section from the home page.
  3. Download the loan form
  4. Fill it and attach all the required documents.
  5. Please submit it to the nearest branch and wait for approval.

A hassle-free and straightforward way to do this is by applying through dialabank. To do so, you need to:-

  1. Visit the official website of dialabank.
  2. Go to the home loan section.
  3. A form will be displayed in front of you.
  4.  Fill out the form.
  5. As soon as you fill out the form, our representative will contact you and guide you.
  6. Just follow those directions given by our customer care representative and get your loan approved in lesser than 30 mins.

United Bank of India Credit Card

Punjab National Bank (PNB) provides a variety of credit cards to meet the needs of anyone looking for a credit card with regular benefits and a straightforward rewards programme. The cards include various features and benefits that make shopping and other transactions more explicit and more rewarding for users. Continue reading to learn more about PNB credit cards.

Types of credit cards offered by PNB

Credit Card Annual Fee Key Features
PNB RuPay Select Credit Card Rs. 500 Cashback on utility bills, restaurant & eateries
PNB RuPay Platinum Credit Card Nil 300+ Reward Points on the first usage
PNB Global Platinum Credit Card Rs. 500 24×7 global concierge desk for assistance in hotel reservations, dining and more
PNB Global Gold Card Nil Earn 1 reward point for every Rs. 100 spent on the credit card
PNB Global Classic Credit Card Nil Earn 1 reward point for every Rs. 100 spent on the credit card.
PNB Rakshak RuPay Platinum Credit Card Nil* Insurance coverage
PNB Rakshak RuPay Select Credit Card Nil* Free Domestic and International Lounge Program

United Bank of India Net Banking

Internet banking has wholly altered how most people manage their bank accounts. It has become one of the most popular methods of conducting financial transactions due to its convenience and accessibility. Customers can use internet banking to view their account statements, pay credit card bills, transfer funds instantly, and pay for online shopping sprees. Furthermore, the convenience of not visiting the bank and waiting in long lines adds to the appeal of conducting financial transactions online. And PNB also facilitates its customers with this facility.

How to register for Netbanking in PNB

Step 1: Go to https://www.pnbindia.in/retail-Internet-banking.html to access the official PNB internet banking site.

United Bank of India

Step 2: On the screen, click the ‘Internet Banking Login’ option.

Step 3: You will be redirected to a page asking for a user ID.

Step 4: As shown in the image below, click on the ‘New User’ option below the user ID field.

United Bank of India

Step 5: Enter your account number and select ‘Register for Internet Banking’ as the Registration Type.

United Bank of India

Step 6: Press the ‘Verify’ button.

Step 7: Fill in the ‘Type of Facility’ field.

Step 8: An OTP will be sent to the registered mobile number. To verify, enter this OTP on the screen and click the ‘Continue’ button.

Step 9: Next, enter the PNB debit card number and the ATM PIN before clicking the ‘Continue’ button.

Step 10: You will be asked to enter your login and transaction passwords. To confirm, enter each of these passwords twice. It is important to note that the login and transaction passwords cannot be the same. Now, accept the terms and conditions and click the ‘Complete Registration’ button.

Step 11: A success message will appear on the screen to indicate that the registration process has been completed.

United Bank of India Customer Care Number

The customer care number of the United Bank of India is 1800 345 0345.

United Bank of India Customer Complaints

If the complainant does not receive a response from the bank within 30 days, or if the bank rejects the complaint, or if the complainant is dissatisfied with the bank’s response, they may file a complaint with the Banking Ombudsman.

How to Open a Savings Account in United Bank of India

  • Bring the necessary documents to the nearest Punjab National Bank to begin the account opening process.
  • Fill out the application form and tell the executive that you want to open a new savings account at the bank’s new account section.
  • Check that the information on the application form and the information on your KYC documents match. Please fill out the application form and hand it in at the counter.
  • The bank will then verify the papers, and if approved, the savings account will be opened within 3-5 business days.

How to Open a Current Account in United Bank of India

  1. Firstly, visit the bank 
  2. Collect the current account opening form from there.
  3. Fill in the details asked in the state.
  4. Attach all the documents required with the state.
  5. Since we are talking about the current account, additional documents will also be necessary, such as your company registration certificate, service tax registration, VAT registration or equivalent proof. Collect all these documents.
  6. Now take a photocopy of all the documents required and attach it with the form.
  7. Now visit the nearest PNB branch and submit all the documents.
  8. And make sure to carry the original documents as sometimes officials may ask you for them for verification.
  9. Now you are all done, as soon as the officials verify your credentials, your current account will be opened.

United Bank of India FAQs

How can I check my UBI account balance online?

  1. Log in to Punjab national bank (United Bank of India) net banking handle.
  2. Enter your credentials.
  3. Click on login and select “Account Summary” from the dashboard to avail of UBI balance enquiry through net banking.

What is my IFSC Code of United Bank of India?

To check the IFSC Code of United Bank of India, check your cheque book or the passbook’s front page.
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