► Punjab National Bank (PNB) offers schemes under the "Samman" name catering to different customer segments. It appears you might be referring to one of two offerings: the PNB Samman Savings Account or the Mahila Samman Savings Certificate, 2023. Here's a breakdown of both: 1. PNB Samman Savings Account This is a savings account designed primarily for pensioners and senior citizens. Key Features: Target Audience: Pensioners (including those retired from PNB) and senior citizens. It is often preferred to be opened jointly with a spouse. Zero Balance Account: For pensioners receiving their pension into this account, it can be a zero balance account. Free NEFT/RTGS: Offers the convenience of online fund transfers. Overdraft Facility: An overdraft facility may be available, typically up to a certain limit related to the monthly pension. The maximum age for sanctioning an overdraft is usually around 70 years, and the facility has terms regarding interest and repayment. Cheque Leaves: Provides a certain number of free cheque leaves annually (e.g., 50 per year). Demand Drafts: May offer concessions on the issuance of demand drafts (e.g., one free draft per month up to a certain amount). Interest Rate: Standard savings account interest rates apply, which can vary based on the account balance. As of early 2025, rates were around 2.70% for balances below ₹10 lakhs and slightly higher for larger balances. Other Benefits: SMS alerts, RuPay debit card, and other general banking facilities. 2. Mahila Samman Savings Certificate, 2023 This is a Government of India-backed small savings scheme available for women and girls, which PNB is authorized to offer. Key Features: Eligibility: Can be opened by a woman for herself or by a guardian on behalf of a minor girl. Account Type: Single holder type account. Deposit Limit: Minimum: ₹1,000 Maximum: ₹2 lakh per account or accounts held by an account holder. Multiple accounts can be opened with a time gap of three months between each, subject to the overall maximum limit. Tenure: 2 years from the date of deposit. Interest Rate: Fixed rate of 7.5% per annum. Compounding: Interest is compounded quarterly and credited to the account. Taxation: Interest earned is taxable. Withdrawal: Partial withdrawal of up to 40% of the eligible balance is allowed once after the expiry of one year from the account opening date. Premature Closure: Allowed on the death of the account holder. Allowed in cases of extreme compassionate grounds (e.g., medical support for life-threatening diseases) without penalty. Permitted for any other reason after six months from the opening date, but in such cases, the interest rate might be reduced (e.g., by 2% penalty or at the rate applicable to Post Office Savings Account). Availability: Can be opened on or before March 31, 2025. Which "PNB Samman Saving Scheme" are you interested in? If you are a pensioner or senior citizen looking for a regular savings account with benefits like potential zero balance and overdraft, the PNB Samman Savings Account is likely what you're looking for. If you are a woman or a guardian looking to open an account for a minor girl for a fixed-term deposit with a higher interest rate, then the Mahila Samman Savings Certificate, 2023 offered by PNB would be the relevant scheme. Please specify if you need more detailed information on a particular aspect of either of these.
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