Us e r G uid e f or Co r p o r a te I n ter n e t B a nkin g Us er s:

Dear Customer,
We welcome you to the family of Punjab National Banks esteemed customers. We feel privileged to offer
you our Internet Banking ervices.
Our Commitment
!t Punjab National Bank" we believe technology is partner of people" an efficient" homiest and reliable
friend. We are committed to leveraging the latest and emerging trends" to serve our customers better. We
shall establish a standard in banking in our long#standing relationship" as we believe our success is based on
the satisfaction of our customers.
ow to access Internet Banking !ervices:
$o access Internet Banking ervices you need a P% &preferably Pentium with Windows '( or above)" a
Browser &*icrosoft Internet +,plorer -.- or Netscape Navigation ../ or later version) and a connection to
Internet. 0ou will also need 1ser Id and password&s) provided to you by the branch. 2nce you are connected
to Internet" visit Banks website" www "n et pnb "c om or www "pnbindi a" c om and %lick the login button.
$he Internet Banking page will be displayed. %lick on %orporate 1sers and it will take you to the login page.
Unbeatable !ecurit# $eatures:
2ur Internet Banking ervices comprise best of the security features. We have installed a highly secured
environment with multi#layer security system" which will ensure that the services are protected and will
maintain the integrity and confidentiality from any unauthori3ed access.
!s a part of security feature" tool bar and menu bar on the browser are disabled. Please check the following
security settings of Internet +,plorer before logging into Internet Banking ervices.
4 %heck security settings by going to Internet +,plorer $ools Internet 2ptions !dvanced
ecurity and enabling both bo,es 5 6./ and 5 7./
4 %heck the %ipher strength by going to Internet +,plorer 8elp !bout Internet +,plorer. If the
same shows a number less than 96(#bit" you have to update it by clicking on the adjacent link
:1pdate Information;. <ownload the 96(#bit encryption pack suitable for your browser.
4 =%eri!ign !ecure site certification from afe cript 5td. !ll information sent to this site is
encrypted and protected from third parties.
4 Now you can access Internet Banking using <igital %ertificates. $his is an additional security feature
> is optional for the users. ! separate login link is available in the home page for accessing
%orporate Internet Banking using digital %ertificate.
&ogin to !ervices:
0ou will be provided with %orporate Id" 1ser Id &for !dmin activities) and 5ogin password. $his !dmin is
allowed for admin > view facilities. !dmin has to login to the system and create additional users for
transaction facilities like fund transfer" salary upload" ?$@" e#payments" etc. $o avail maker#checker
facilities in the transactions the !dmin has to create minimum two users. $he details are mentioned in the
home page of the !dmin. $he corporate has to inform the branch about the newly created users" their
transaction limits and work flow rules &maker#checker). Based on the branch reAuest login > transaction
passwords will be dispatched to the branch. $hen the 1ser Ids get activated after getting the activation
reAuests from the branch. $he %orporate !dmin has to enable the menu options like $ransfer" 1pload" etc
using his =!dmin menu option. $hen the other users should login for transaction operations.
'emember:
4 0ou have - attempts to login. $he password is case sensitive i.e. p &small) is different from P
&capital). o be careful while putting the password&s).
4 $he si, &.) characters password sent to you is randomly generated by the system. (he )
st
character
is capital alphabet *one character between + to ,-, the .
nd
character is a special character */,
0, 1, 2, 3, 4, etc- and the last 5 characters are numbers *four numbers, each between 6 to 7-.
89ample: +/:5;<"
4 $he password selected by you should contain minimum . characters and ma,imum 6( characters and
should be as per the rules displayed in the screen.
4 !t the time of first login to the services" you will be asked to change the password&s). ?ead the
instructions provided in the same page. If you have both the passwords" you are advised to keep
distinct passwords for them for security reasons. 2nce passwords are changed" the new passwords are
to be keyed in.
4 $he e,piry periods for 5ogin > $ransaction passwords are 7./ days > 9(/ days respectively. $his
period is from the date of issue of password by the bank or change of password by the customer. If
the service is not being used for the said periods" you will reAuire new passwords to resume the same.
Unable to &og in:
In case your 1ser Id is disabled due to wrongBincorrect password" then approach your branch or any %B
branch &where you want to receive the duplicate password) and apply for a fresh password. $he new
password will be sent to branch after getting the same reAuest from the branch. ubmit the acknowledgement
for activating your 1ser Id after receiving the new password.
=now #our Internet Banking !tatus>Details:
$o know your Internet Banking statusBdetails contact your branch" where you have account 2r any %B
branch of PNB.
2r 6C 8ours 8elp 5ineD
9(// 9(/ 6666 &!ll India $oll Eree Number)
/96C#67C//// &!ccessible from mobile)
!afeguard:
4 <o not reveal password&s) over phone" mail" etc. to any person including Bank.
4 $he passwords can be changed as freAuently as you wish &using the facility available in the customi3e
option). !n alert on your 8ome page shows the e,piry periods for your passwords" the moment you
log in. Please change your password&s) before the passwords get e,pired or when the system prompts
you to do so.
4 <o not click on website linksBattachments in un#knownBsuspicious emails. $hese links may take you
to replica of banks website and ask for keying in your user id > password&s).
4 Bank will never send any e#mail reAuesting to provide 1ser IdBPassword and other sensitive
information.
4 In case of doubt" reconfirm the PNBs website by double clicking the :padlock; symbolBicon at the
bottom right of the web page to ensure the site is running in secure mode before you input any
confidentialBsensitive information.
4 %licking on the :padlock; symbolBicon and server certification symbol will display details of the
server certification in the favour of Punjab National Bank.
4 $o ensure a safe and genuine login" always enter banks website either through www.n e t pnb. c om or
www.pnb i nd i a .c o m .
4 In case there is any call" please confirm that the call is from the authori3ed person of the bank.
4 0ou can download PNB tool bar > access banks website by clicking a linkBicon
Using Internet Banking !ervices:
2nce you enter the user id > the password" the system will check for the correctness and allow you to enter
in to the services. 8ere the screen will display various options in the form of buttonsBicons. $hese
buttonsBicons will have different functions and selecting or clicking on the respective buttonBicon will
activate the function. 0ou can use $ab key" *ouse clicks" croll bar to navigate within the screenBpages. $o
go to previous pageBscreen don?t use @Back? button on your browser" but use =Arevious? button on the
screen.
=elp button will be available to view on#line help available in the system" this will guide you in using
Internet Banking ervices. $his will open as a separate window and after using the =8elp please close the
window by clicking on the close button. (he Internet Banking !ervices will displa# messages on top of
each screen" (hese messages will indicate successful acceptance or an# t#pe of errors" Don?t forget to
look there if #ou do not get the e9pected result after selecting an option.
+ctivation of User Id:
$here are two cases where you should approach the branch for activating your 1ser
Id.
4 When you receive a fresh password from the bank" you have to approach your branch or any %B
branch to get it activated" as each new password comes in disable mode by default for security
reasons.
4 0our 1ser Id gets disabled if you e,ceed more than - attempts with wrong passwords. In this case
you have to approach your branch or any %B branch to get it activated.
Disable User Id:
If you have lost your user id > password and you want to block the access to your Internet Banking account
then you may follow the following procedures to temporarily disable your Internet Banking
access.
4 $ry to login with your %orporate Id" user id > wrong passwords for more than - times" as you know
user id gets disabled if you e,ceed more than - attempts with wrong passwords.
4 !pproach your branch or any %B branch to get it disabled.
Issuance of Duplicate>$resh Aassword:
!pproach your branch or any %B branch for issuance of duplicateBfresh password. . $he password will be
sent to the same branch.
+dding more accounts to e9isting User Id:
If you want to attach more accounts to your e,isting 1ser Id" then contact your branch" where you have
account 2r any %B branch of PNB. ubmit the reAuest for adding new accounts to the ?elationship
*anager &?*) at branch. 2nly accounts with same capacity can be added to the e,isting %orporate
Id.
89ternal linking of accounts *$or debiting e9ternal account-:
Eor debiting e,ternal account corporate need to submit mandate &as defined by the bank) under the signature
of original account holder. 5inked account transfer facility will be provided at banks discretion subject to
terms and condition B restriction for allowing this functionality.
ow to create new users for view onl# facilit#:
%orporate !dmin has to login to the services" go to =+cct" +dmin menu" then =User Baintenance option"
click =Create Cew User button. +nter the user name &should be eAualBmore than - alphabets" no space in
between" should not contain any salutation like *r" *s" <r" etc.) and click =Aopulate User ID button to
generate the 1ser Id &-alphabets > 7 numbers" no space in between). elect Customer Id" +ccess Indicator
&to view all !B%s of all %ust Ids select 5!I as =global> <!I as =global" to view all !B%s of all %ust Ids of a
particular division select 5!I as =global> <!I as =local" to view only !B%s of those %ust Ids that e,plicitly
attached to him select 5!I as =local> <!I as =global" to view only !B%s of those %ust Ids that e,plicitly
attached to him > pertaining to that division only select 5!I as =local> <!I as =local)" et 5ogin >
$ransaction Certificate Batch as No &=0es enables <igital %ertification" read the =8elp provided near
corporate login on the web site)" elect <ate format" language Id and Benu Arofile as C%I8D" +nter
!ddress" phone" etc. and click =Insert to submit the details. $o create another user for view only facility"
follow the same process. Inform the branch regarding the newly created users. Based on branchs reAuest
login passwords will be sent to the branch and the 1ser Ids will be activated based on the subseAuent
confirmation of acknowledgement submitted in the branch.
ow to avail (ransaction facilit# > ow to create new users for both view 3 transaction facilit#:
%orporate !dmin has to login to the services" go to =+cct" +dmin menu" then =User Baintenance option"
click =Create Cew User button. +nter the user name &should be eAualBmore than - alphabets" no space in
between" should not contain any salutation like *r" *s" <r" etc.) and click =Aopulate User ID button to
generate the 1ser Id &-alphabets > 7 numbers). elect Customer Id" +ccess Indicator &to view all !B%s of
all %ust Ids select 5!I as =global> <!I as =global" to view all !B%s of all %ust Ids of a particular division
select 5!I as =global> <!I as =local" to view only !B%s of those %ust Ids that e,plicitly attached to him
select 5!I as =local> <!I as =global" to view only !B%s of those %ust Ids that e,plicitly attached to him >
pertaining to that division only select 5!I as =local> <!I as =local)" et 5ogin > $ransaction Certificate
Batch as No &=0es enables <igital %ertification" read the =8elp provided near corporate login on the web
site)" elect <ate format" language Id and Benu Arofile as CU!8'" +nter !ddress" phone" etc. and click
=Insert to submit the details. $o create another user for view only facility" follow the same process. Inform
the branch regarding the newly created users" transaction type" transaction limits" workflow rules &maker#
checker concept) for submitting $orm B" Based on branchs Eorm B reAuest" login > transaction passwords
will be sent to the branch and the 1ser Ids will be activated based on the subseAuent confirmation of
acknowledgement submitted in the branch.
ow to 8nable>Disable the Benu options of the users, who have availed transaction facilit#:
%orporate !dmin has to login to the services" go to =+cct" +dmin menu" then =8nable>Disable Benu
Option option" select one option from the drop down" find 1ser Id and insert to enable the option. ?epeat
this process by selecting other reAuired options one by one. $hen insert reAuired options for others users.
$hen the users will be able to view the transaction related menu options like transfer" upload" etc.
Internet Banking !ervices 3 $acilities:
$he Internet Banking ervices offer you variety of features on your
fingertips.
!ervices
Bills>'(G!: $his have the functionality for payment > presentment of utility bills to be paid by the
corporate. Bank ties up with several companies providing general utility services. ?$@ remittance
can be initiated without bankBbranch intervention.
&ogoutD $his option is to be used at the time of coming out from the services. It is advisable to logout
as soon as you finish working on the services. 5eaving in between or leaving the P% unattended may
result in unauthori3ed person viewing your confidential information.
+ccountsD $his includes !Bc ummary" tatement" cheAue status inAuiry > stop payment of cheAues"
status of clearing instruments" 5oan > <eposit schedule" etc.
(ransfer of fundsD $his includes on#line fund transfer between own accounts" own account to
e,ternal &third party) account" e,ternal &third party) account to own. $he maker needs to enter the
checkers Id as ne,t approver. If the corporate is having only one user for transaction &no maker#
checker concept implemented) then the user should ignore the approver details. Inter#bank remittance
can be initiated through ?$@BN+E$.
'eEuestsD $his includes << reAuest" %heAue Book reAuest" Eoreign Bill lodging" E< account
openingBE< renewalBE< breaking reAuests" status of reAuests" etc.
BailsD $his includes details of mail sentBreceived" composingBviewingBreplying of mails > check
status of mails.
(rade: $his shows the details of import documentary credits" import bills. 1sers can
openBamendment of 5etter of %redits" lodge bills on#line for collectionBpurchase of the same. $his
also shows the details of e,port documentary credits" e,port bills and e,port loans. Inland trade
shows inwardBoutward documentary credits" inwardBoutward bills" openingBamendment of letter of
credits. !ll documents will be verified by the branch official after properBrelevant documentary proof
are submitted by the corporate. %orporates can view the details of bank guarantees" details of
Eorward contracts and all alerts pertaining to the submenus of trade option.
Upload: $his e,ecutes multiple transfers of similar nature in a single instruction &debit
singleBmultiple accounts > credit singleBmultiple accounts). $his includes alary upload" <ealer
<ebit upload &debit e,ternal accounts)" Fendor payment upload &debit own account > credit e,ternal
accounts) and <ebit %redit transaction upload. 0ou can browse > attach the files. $he file upload is
not an on#line activity" it will be completed by the bank on every working day by e,ecuting some
Aueries at <ata %enter. $his also provides the status &enteredBpendingBauthori3edBuploadedBupload
failed) > approval details of the files.
CustomiFeD %ustomer can change his password&s)" customi3e display > inAuire activities and all
reAuests for <igital %ertificate.
InEuir#: $his includes financial > non#financial inAuiry" 5imits inAuiry and inAuiry about the
approvals for transactionsBreAuests pending for your approval.
+ccount +dmin *available with account admin onl#-: !ccount !dmin is the single point of
contact between the bank > the corporate. Initially bank will be providing %orp Id" !dmin Id" !dmin
login password. 8e has to enable the all menu options" which he wants to view for himself. $he
!dmin has the option to create new users for having transaction facilities under =1ser *aintenance
menu option. !fter creating the users" the !dmin has to fill up $orm B &$he 6
nd
part of your form
that you have submitted at the branch" you can also download the form =PNB9/(-GcorpH from
www.n e t pnb. c o m .). %orporate has to decide > inform the transaction work flows" transaction types"
transaction limits" etc. to the branch while filling Eorm B. !dmin can enableBdisable the menu
options of the other users of the same corporate through =+nableB<isable *enu option menu to
restrict certain functionalities of the users and can check menu options of the users through =check
!llocated *enu option menu. !dmin can set > re#set the =out of office flag for the users.
$unds Banagement: $his facilitates complete utili3ation of the fund available in accounts. 1ser can
create a pool of accounts from the accounts attached to him. tatement of the debit > credit entries in
the pool can be generated. $hrough sweeping rules user can sweep funds within the accounts in the
pool. ?ule 9 > ?ule ' are having highest > lowest priority respectively. ?ule will e,pire after e,piry
period if not e,ecuted due to system errors. %orporate can maintain his *I record" it is basically a
list of transactions the corporate is e,pecting to happen in future. %orporate can add each record
manually or can upload all records through *I file upload. $he format is as under.
EI5+8<?IJ%orporateKIdLI
JEileKNumberL
BranchKId&. characters" 9
st
to .
th
)I!ccounKId&9. characters" (
th
to 67
th
)I*IKId&C characters" 6-
th
to
6(
th
)I *IK$,nK<ate&9/ characters" 7/
th
to 7'
th
)I *IK$,nK!mount&96 characters" C9
st
to -6
nd
)I
*IK$,nK$ype&6 characters" -C
th
to --
th
)I *IKInstKNo&9/ characters" -M
th
to ..
th
)I
*IK!ccK%urrency&7 characters" .(
th
to M/
th
)I *IK+,pectedK$,nK<ate&9/ characters" M6
nd
to (9
st
)I *IKInstK<ate&9/ characters" (7
rd
to '6
nd
)I *IK2rgK!mount&96 characters" 'C
th
to 9/-
th
)I
*IK2rgK%urrency&7 characters" 9/M
th
to 9/'
th
)I *IEreeK$e,t9&9/ characters" 999
th
to 96/
th
)I
*IEreeK$e,t6&9/ characters" 966
nd
to 979
st
)I *IEreeK<ate&9/ characters" 977
rd
to 9C6
nd
)
! corporate can reconcile the transactions that are in the *I record with the banks transactions.
$his can be done manually by Eunds *anagement !ccount ?econciliation option" select aBc >
retrieve banks > *I transactions. elect a *I record that matches with banks transaction"
enter record no. of banks transaction > click reconcile. $he automatic reconciliation is
carried out according to the rules set by bank administrator for the same. Eollow the pathD Eunds
*anagement !ccount ?econciliation !uto ?econciliation ?ules" select rule and run it.
%orporate can view auto#reconciled records for manual confirmation" reconciled transactions"
ignored transactions" bank reconciliation statement" etc.
$acilities
eGAa#ments for <@E$" +,ciseBervice $a," <irectBIncome $a," %ustoms" *%!69" Nandla Port"
Bill
payments" Inter#bank fund transfer through C8$( > '(G!. $he links are provided on the
home page.
Depending upon #our profile and (ransaction t#pe reEuests in $orm B, all or some of the
options mentioned above will be available for #ou"
$ormat of Upload $ile: %orporate users have to upload the files in below defined te,t format only.
eader $ormatD $I&8D'HICorporateJIdKHI$ileJCumberK
$he %orporate Id will be same as provided by the bank. Eile number can be given by the corporate at
their discretion. Eiles having similar file number as uploaded before will not be accepted by the system.
Bod# $ormatD $he format can specify fields with the following names only.
$or !alar# > Dealer Debit > %endor pa#ment upload:
BranchJId&. characters" 9
st
to .
th
)I+ccounJId&9. characters" (
th
to 67
th
)ICurrenc#&7 characters"
6-
th
to 6M
th
)I(ransactionJ(#pe&creditBdebit" 6 characters" 6'
th
to 7/
th
)I+mount&96 characters" 76
nd
to
C7)IAarticulars&9- characters" C-
th
to -'
th
)
$or Debit 3 Credit (ransaction upload:
$rJBranchJId&. characters" 9
st
to .
th
)B$rJ+ccounJId&9. characters" (
th
to
67
th
)B(oJBranchJId&. characters" 6-
th
to 7/
th
)B(oJ+ccounJId&9. characters" 76
nd
to
CM
th
)BCurrenc#&7 characters" C'
th
to
-9
st
)B+mount&96 characters" -7
rd
to .C
th
)BAarticulars&9- characters" ..
th
to
(/
th
)B(9nJ'emark&9- characters" (6
nd
to '.
th
)
Other (ips
Aroforma for User 'ole mapping>Dorkflow rules for (ransaction $acilit# *$orm B- 89ample:
<etails of ?oleB<esignation and their hierarchies &9 is the highest" 6 will be ne,t highest and so on)
!r" Co" 'ole>Designation ierarch#
9 %hief !ccountant 9
6 !ccount *anager 6
Details of 'ole>Designation for each user
1ser Name 1ser IdO ?oleB<esignation $,n type code > 5imit from &?s) 5imit to &?s) 1ser ign.
?am @opal ?!*@26C- %hief !ccountant ! B B B % B < P /.// 9//////.//
?amakrishna ?!*!NC-. !ccount *anager ! B B B % B < P /.// -/////.//
Dorkflow 'ule for various t#pes of transactions
$ransaction type Erom &?s.) $o &?s.) Workflow ?ule
!BBB%B< or any combination P /.// 9//////.// %hief !ccountant Q !ccount *anager
4 User profile should be @CU!8'?"
3 (9n t#pe code: (ransaction t#pe code *check details in form )6<;, available in home page of www " n et pnb "co m-
0 Combination from +, B, C and D *check details in the form )6<;, available in home page of www " n et pnb "co m-