Punjab National Bank (PNB) sends KYC update notices periodically — and if you ignore them, your UPI, mobile banking and sometimes even ATM access gets frozen until KYC is completed. In 2026, PNB has made the process significantly easier with three online options that do not require a branch visit in most cases.
This guide covers all PNB KYC update methods in 2026, the PDF form download for branch submission, what documents you need, and how long it takes to process.
PNB KYC Update — 4 Methods in 2026
| Method | Time Required | Branch Visit | Best For |
|---|---|---|---|
| PNB One App | 5 minutes | No | Fastest — Aadhaar OTP based |
| PNB Net Banking | 10 minutes | No | Desktop users |
| Video KYC | 15-20 minutes | No | New accounts or full KYC verification |
| Branch submission (PDF form) | 1-2 days processing | Yes | Senior citizens, no smartphone |
Method 1 — PNB KYC Update via PNB One App (Fastest)
- Download PNB One app from Play Store or App Store if not already installed
- Login with your Customer ID (CIF number) and password
- Tap Menu at the top left
- Go to Service Requests
- Select KYC Updation
- Choose verification method — Aadhaar QR scan or document upload
- For Aadhaar QR: open your mAadhaar app and show the QR code — the app scans it
- For document upload: take photos of Aadhaar front and back
- Enter OTP sent to your registered mobile number
- KYC reference number generated — process complete
Method 2 — PNB KYC Update via Net Banking
- Visit netbanking.pnbindia.in
- Login with your CIF number and password
- Go to My Profile
- Select My KYC
- Click Request KYC Updation
- Upload scanned copies of Aadhaar and PAN card
- Submit and note the reference number
Method 3 — PNB KYC via SMS
For basic KYC update request via SMS from your registered mobile number:
- Type: KYCUP (space) your 10-digit account number
- Send to: 5607040
- You will receive a callback or link to complete the process
Method 4 — Branch Submission with PDF Form
Download PNB KYC Form PDF
The official PNB KYC form (Specimen Proforma for KYC Updation — Annexure I) is available at the official PNB website at pnbindia.in under the Forms section. You can also collect it from any PNB branch.
How to Fill PNB KYC Form
- Name: Write your full name as per Aadhaar card
- Account number: Your PNB account number
- Address: Current residential address with PIN code
- Date of birth: As per ID proof
- ID document details: Enter Aadhaar number in the UIDAI section. Also mention a second ID — Voter ID (code 03), PAN (code 07) or Driving Licence (code 06) — codes are printed on the back of the form
- Income source: Mention salary, business or agricultural income
- Transaction details section: Write “For KYC/Re-KYC of bank account” under purpose
- Signature: Sign exactly as per your account signature
Documents Required for PNB KYC Update
| Document | Required | Notes |
|---|---|---|
| Aadhaar Card | Mandatory | Both sides self-attested photocopy for branch submission |
| PAN Card | Mandatory if available | If applied for PAN enter acknowledgement number |
| Passport photo | For branch submission | Recent photo — 2 copies |
| Address proof | If address changed | Aadhaar covers address proof for most accounts |
| Joint account | Separate forms | Each account holder fills and signs own KYC form |
PNB KYC Processing Time 2026
| Method | Processing Time | Confirmation |
|---|---|---|
| PNB One App (Aadhaar OTP) | Instant to 24 hours | Reference number in app + SMS |
| Net Banking | 24 hours | SMS to registered mobile |
| Branch submission | 48-72 working hours | SMS confirmation to registered mobile |
| Video KYC | 24-48 hours | Email and SMS confirmation |
PNB Re-KYC — Is It Different from KYC?
Re-KYC (also called KYC updation or periodic KYC update) is simply updating your existing KYC details — not starting from scratch. The PNB KYC form used is the same “Specimen Proforma for KYC Updation.” Re-KYC is required when your address changes, mobile number changes, or as part of PNB’s periodic update cycle. The process is the same as a fresh KYC update.
The fastest way to update KYC in PNB online is through the PNB One app. Login with your CIF number, go to Menu — Service Requests — KYC Updation and upload your Aadhaar QR code or document photos. The process takes about 5 minutes and processes within 24 hours. Alternatively log in to PNB net banking at netbanking.pnbindia.in, go to My Profile — My KYC and submit your documents online without visiting a branch.
The PNB KYC form PDF is available on the official Punjab National Bank website at pnbindia.in under the Forms and Downloads section. Search for Specimen Proforma for KYC Updation Annexure I. You can also collect a printed copy from any PNB branch. The form is available in English and Hindi and some branches provide bilingual versions.
For PNB KYC update you need Aadhaar card as the primary identity and address proof. PAN card is also required or the acknowledgement number if you have applied for one. For branch submission bring self-attested photocopies of Aadhaar front and back plus two recent passport photos. Joint account holders need to submit separate KYC forms each signed individually.
If you do not update PNB KYC after receiving a notice, PNB will first freeze UPI transactions — Google Pay, PhonePe and Paytm linked to the account will stop working. Mobile banking gets restricted next. In severe cases ATM withdrawals may also be blocked. The account is not closed but becomes restricted until KYC is completed. As per RBI guidelines banks are required to periodically update customer KYC details.
PNB KYC update through the PNB One app processes within 24 hours and you receive an SMS confirmation on your registered mobile number. Net banking submission also processes within 24 hours. Branch submission takes 48 to 72 working hours. If processing takes more than 5 working days, visit the branch and ask to track your KYC request using the reference number provided at submission.
Yes. Send KYCUP followed by a space and your 10-digit PNB account number to 5607040 from your registered mobile number. You will receive a response with a link or callback to complete the KYC process. This SMS method initiates the process but you may need to follow up with document submission through the PNB One app or net banking depending on your account type and risk category.
Yes. PNB offers Video KYC through the PNB One app. Go to the KYC Updation section and select the Video KYC option. A PNB representative will connect with you via video call to verify your identity and documents. You need your original Aadhaar card and PAN card visible during the call. Video KYC processes within 24-48 hours and is completely free. It is useful if you cannot visit a branch and the standard online method has issues.
Re-KYC in PNB is a periodic update of your existing KYC details — it is not a fresh KYC from scratch. As per RBI guidelines, banks must update customer KYC periodically — every 2 years for high-risk customers and every 8-10 years for low-risk customers. The process and form are the same as regular KYC updation using the Specimen Proforma for KYC Updation Annexure I. Re-KYC is commonly required when your address or mobile number changes or when PNB’s scheduled update cycle reaches your account.
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Guide by Robins Antony, Digital Finance Writer, Webova Soft, Changanacherry, Kerala. PNB KYC process verified from official PNB website pnbindia.in and RBI KYC guidelines as of September 2026. Banking procedures change — verify latest steps at pnbindia.in before submitting.
