1. Does PNB have an international presence?

Yes. PNB has an overseas branch at the Dubai International Financial Centre (DIFC), UAE and IFSC Banking Unit (IBU) at GIFT City, Gujarat.

2. Where is PNB's overseas branch located?

The overseas PNB branch is at Dubai International Financial Centre (DIFC) Dubai, United Arab Emirates.

3. Does PNB provide banking services for NRIs?

Yes. For NRI customers, PNB provides many banking services such as NRE, NRO and FCNR accounts, remittance services, deposits & digital banking products. PNB also offers international remittance, foreign currency solutions, trade finance facilities and variety of cross border banking services to individual and corporate customers.

4. Can NRIs open accounts with PNB?

Yes. Eligible NRIs can open a PNB account by submitting the required application and documents. The bank offers NRE, NRO and FCNR accounts to eligible customers.

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PNB International Branches

Punjab National Bank (PNB) has established a strong international banking presence to cater to the financial needs of NRIs, individuals, and businesses engaged in cross-border transactions. PNB provides a comprehensive variety of banking services through its overseas branches, IFSC banking unit (IBU), subsidiaries, joint ventures and representative offices including remittance services, trade finance, foreign exchange services and NRI banking facilities. The global network allows consumers to simply avail banking services and stay financially connected with India.

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Key Global Presence & International Offices

PNB has a strong international presence through its overseas branches, subsidiaries, representative offices and strategic banking relationships that cater to its customers in many countries. The bank also assists customers seeking international banking services along with investment plans in India. The overseas office of PNB is listed below:

Country	Location	Address	Contact	Email
UAE	DIFC, Dubai Branch	802, The Gate Building, West Wing, P.O. Box 506844, Dubai International Financial Centre, Dubai, UAE	Tel: +971-4-3257727	ceo@pnbdubai.com, pnbdifc@pnbdubai.com

NRI Account Meaning and the Opening Process

The NRI account meaning refers to a specialised banking account designed for Non-Resident Indians (NRIs) to manage their finances in India while residing abroad. To enable NRIs manage savings, investments, remittances and NRI investment plans, Punjab National Bank offers NRE, NRO and FCNR deposit accounts through its dedicated banking services.

Eligible customers can open an NRI account by following the steps below:

Select the Account Type: Choose an NRE, NRO or any suitable NRI account as per your financial requirements.
Fill the Application Form: The specified account opening form is to be filled online/offline.
Upload paperwork: Upload ID proof, address proof and KYC paperwork as required by the bank.
Notarise your documents: The documents may need to be attested by the Indian Embassy/Consulate or Notary Public or any other authorised agency as applicable.
How to Apply: Send the duly filled application form and other documents as per guidelines.
Fund Your Account: Make the first deposit; fund the minimum deposit amount required by the bank.
Activation of Account: The account shall be activated after verification and authorisation of the bank.

Key Takeaways

Punjab National Bank has a strong global presence with its branch in Dubai, IFSC Banking Unit (IBU) in GIFT City, subsidiaries in UK and Bhutan, joint venture in Nepal and representative offices in Bangladesh and Myanmar. The bank provides NRI account opening, NRI banking solutions, remittance facilities, foreign exchange services, trade finance and digital banking support, which allows customers to efficiently manage their funds, stay in touch with India from anywhere in the globe.

FAQs

1. Does PNB have an international presence?

Yes. PNB has an overseas branch at the Dubai International Financial Centre (DIFC), UAE and IFSC Banking Unit (IBU) at GIFT City, Gujarat.
2. Where is PNB's overseas branch located?

The overseas PNB branch is at Dubai International Financial Centre (DIFC) Dubai, United Arab Emirates.
3. Does PNB provide banking services for NRIs?

Yes. For NRI customers, PNB provides many banking services such as NRE, NRO and FCNR accounts, remittance services, deposits & digital banking products. PNB also offers international remittance, foreign currency solutions, trade finance facilities and variety of cross border banking services to individual and corporate customers.
4. Can NRIs open accounts with PNB?

Yes. Eligible NRIs can open a PNB account by submitting the required application and documents. The bank offers NRE, NRO and FCNR accounts to eligible customers.

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˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in

*Past 10 Year annualised returns as on 01-07-2026
*All savings plans are provided by the insurer as per the IRDAI approved insurance plan. Tax benefit is subject to changes in tax laws. Standard T&C Apply
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
**Returns are based on past 10 years' fund performance data (Fund Data Source: Value Research).
^Returns as on 10th Jan'25. 18% returns for Tata AIA Life Top 200 for the last 10 years.The past performance is not necessarily indicative of future performance. Source: Morningstar

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