Punjab National Bank (PNB) in the UAE

Punjab National Bank is one of the largest Indian public sector banks with a presence in the UAE. Also called PNB, the bank was established in 1894 with headquarters in New Delhi. The operations of the bank in the UAE take place from its branch in the Dubai International Financial Centre. It is a universal bank serving retail and corporate customers, including NRIs. With its Dubai branch, customers get help to open NRI accounts as well.

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PNB DIFC Dubai Branch

This is the only full-service branch of Punjab National Bank in the UAE. This bank branch is governed by the Dubai Financial Services Authority (DFSA) and functions in the Dubai International Financial Centre.

Office Address 802, The Gate Building, West Wing, P.O. Box 506844, Dubai International Financial Centre, Dubai, UAE
Working Hours Monday to Friday: 9:00 AM to 5:00 PM. Saturday and Sunday: Closed
Phone Number +971 4 325 7727
Fax +971 4 325 7256
Email pnbdifc@pnbdubai.com
Website www.pnbdubai.com
SWIFT Code PUNBAEAD

Note: The DFSA supervises PNB DIFC with reference number F001087. It is registered as a Non-DIFC Company and is licensed to accept deposits, grant credits and advise on/arrange financial products. Working hours are also subject to change. Please confirm directly with the branch before visiting.

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PNB Bank NRI Services

NRIs staying in the UAE have to either visit the DIFC branch or contact it for more details about NRI accounts and banking products. The branch will help the clients directly or help them reach the PNB NRI Customer Service Centre in India based on their requirements.

  • Eligible customers can apply to open NRE, NRO and FCNR(B) accounts through PNB's NRI banking channels, including the DigiNRI portal.
  • The DIFC branch can provide more details about the banking products for NRI customers offered by PNB India. Eligible individuals can approach the branch or PNB NRI customer service centre for more information about the accounts and related documentation.
  • Eligible NRI account holders will be able to enjoy various NRI account benefits, including remittance of funds, attractive interest rates on NRE and FCNR(B) deposits, internet banking facility through PNB One App and net banking.
  • You can transfer money from the UAE to India via the international remittance services offered by PNB. Services such as trade finance, Letters of Credit, and Bank Guarantees are available to corporate clients. This is subject to the relevant rates and terms.
  • There is a special account for NRIs and PIOs referred to as the PNB Global Prime Account, which incorporates features such as zero cost on debit cards, standing instructions without cost, SMS/Email alerts, and RTGS/NEFT.
  • Those looking to plan their finances may choose appropriate investment plans.

Learn more about NRI investment options in India and choose those that best align with your financial objectives.

NRI Customer Service Centre

PNB operates a 24x7 NRI Customer Service Centre for customers based overseas. NRIs in the UAE can reach PNB through the following channels.

Email nri@pnb.bank.in
NRI Helpline (India) +91 120 2490000
WhatsApp Banking +91 92640 92640
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Conclusion

PNB has a strong presence in the UAE with the help of its DIFC Dubai branch. No matter whether you require assistance related to remittance services, deposit accounts, trade finance or NRI banking, you can take help from the DIFC Dubai branch of the bank. Customers can also take advantage of NRI accounts that offer benefits like high interest rates on NRE deposits and money transfer to India.

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FAQs

  • 1. Is there a Punjab National Bank branch in the UAE?

    Yes. PNB has a full service branch at the Dubai International Financial Centre, regulated by the Dubai Financial Services Authority.
  • 2. Are NRIs able to open a PNB NRI account from the UAE?

    Yes. Eligible customers can contact the DIFC branch or apply through the DigiNRI portal. NRE, NRO, and FCNR (B) accounts are offered here.
  • 3. What NRI accounts does PNB provide?

    PNB provides NRE, NRO and FCNR (B) accounts to eligible NRI and PIO customers. PNB also offers the Global Prime banking programme to eligible NRI and PIO customers, subject to the applicable terms and eligibility criteria of the bank.
  • 4. What are the options available for NRIs to contact PNB for assistance in the UAE?

    NRIs can directly contact the DIFC branch at +971 4 325 7727, or they can contact PNB 24x7 NRI Customer Service Centre via email nri@pnb.bank.in and/or via toll-free number +91 120 2490000.
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*Past 10 Year annualised returns as on 01-09-2026
*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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