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FINTECH

E-Services

Fintech Empanelment

FinTech Companies / Startups / Ecosystem Partners can now apply in the following domain/s through Fintech Portal for empanelment with Punjab National Bank:

Sl. No.

Fintech Domain

1.

Digital lending

2.

Information & Cyber Security

3.

Blockchain Technology

4.

Digital Marketing

5.

Credit Underwriting

6.

Video KYC

7.

Digitization of processes/ products

8.

Wealth Management

9.

Brand Building & Media Outreach

10.

Customer Relationship Management (CRM)

11.

Feet on Street (FoS) Solution Involving Innovative Technical Approach

12.

Financial advising, leads generation & sharing with Bank

13.

Customer Service & grievance redressal

14.

Remittances & Payment Services

15.

Risk Management

16.

AI (Artificial Intelligence) / ML (Machine Learning)

17.

Development of Standard APIs for integration with Bank’s systems

18.

Standard readymade product available for integration with Bank’s systems

19.

Financial Inclusion

20.

Fraud detection

21.

Predictive analytics

22.

Credit rating

23.

Reconciliation

24.

Geotags

25.

Other

FinTech Portal of the Bank (https://www.mypnb.in/Fintech/Login) is accessible/available through Bank’s Corporate Website (https://www.pnbindia.in).

Steps to Apply for Empanelment: -

  • Visit https://www.pnbindia.in
  • Click on Tender and Empanelment and then FinTech Portal.
  • Register with basic details through sign up.
  • Default password and user id will be created.
  • Company to login with these credentials and change password.
  • Fill up the three forms namely- Company Credentials, Technical Expertise and Regulatory Adherence.
  • Attach supporting documents wherever required.
  • Submit the application.

Process of Empanelment: -

  • The FinTechs will be evaluated on the basis of the Selection Criteria for empanelment of FinTech Companies.
  • Once the FinTechs are empaneled, they shall be provided with Letter of Empanelment.
  • Empaneled FinTech companies will submit a nominal fee of Rs.1,00,000 plus applicable taxes which will be non-refundable.
  • The one-time nominal empanelment fee shall not be taken on re-empanelment of the FinTech/Ecosystem partner in same domain and also for empanelment in multiple domains.
  • Empaneled FinTech companies will execute empanelment agreement.
  • Upon receipt of empanelment fee and execution of empanelment agreement, the name of the FinTech will be displayed with FinTech Theme/Domain name on Bank’s FinTech portal at the end of every month.

Interested FinTech/Ecosystem Partners have to furnish following information along with documentary evidence for applying for empanelment:-

a) Company Credentials

  • Number of years of experience in FinTech sector.
  • Number of successful projects executed in financial services ? Banking ? Public Sector banks.
  • Financial Status – Funded/ Non-funded, Total funding received, Cash-flows, Annual Turnover, Balance Sheet, P&L
  • Company details, Network, Background
  • Corporate Office/ Registered Office details
  • PAN/ GST details
  • of Employees, Directors, Partners, Developers
  • Company Leadership – Management Experience, Organization Structure, Cultural Fit, Brand value, Key personnel, Social engagement.
  • Shareholding pattern (including details of Angel Investor/ Foreign investors, if any) Director/s Phone No./ Emails
  • Award/ Recognition received, if any
  • Startup/ FinTech Registration/ Certification No.
  • Existing Tie-ups
  • RBI license/Regulatory approvals (wherever applicable)
  • Any other relevant information/ data

b) Technical Expertise

  • Number of years of experience in FinTech sector.
  • Proposition – If the product/ service offered help in achieving existing challenges.
  • Platform Readiness – Pre-alpha/ Alpha/ beta/ MVP/ Market Ready/ Production (what is the current stage of solution development).
  • Architecture – Development Type/ System Compatibility/ Infrastructure
  • Support Services – service Level Agreements (SLAs)/ Troubleshooting/ Customer Service/ IT resilience
  • Technology Channels.
  • IT security & Data Protection.
  • Payment Security mechanism.

c) Legal, Compliance & Regulatory adherence

  • Non-disclosure, POC and Pilot agreements.
  • Company legal structure & conduct
  • Conflict of interest.
  • Fraud prevention.
  • Regulatory compliance with relevant authorities.
  • Any Penalty imposed
  • Any Litigation/ Court case
  • Blacklisting by any Financial Institution
  • Details of Foreign investment

SI.No.

Name of Empaneled Company

Domain

1.

M/s Futuretek Commerce Private Limited

a) Remittance and payment services

2.

M/s WTSLN Fintech Private Limited

a) Digital Lending

3.

M/s Mobilcule Technologies Private Limited

a) Digitization of processes and products

4.

M/s Concerto Software & Systems Private Limited

a) Development of standard APIs for integration with Bank`s systems

5.

M/s Solvy Tech Solutions Private Limited

a) Digital Insurance Solutions

6.

M/s Ebixcash Financial Technologies Private Limited

a) Wealth Management

7.

M/s Fintech Blue Solutions Private Limited

a) Digitization of processes and products

8.

M/s Finwizard Technology Pvt Ltd.

a) Wealth Management

9.

M/s Eagle Peak Intel Private Limited

a) Development of Standard API`s for integration with Bank`s systems & Risk Management (Data Aggregator Services)

10.

M/s Synergy Fintech Private Limited

a) Digitization of processes and products & Risk Management (Data Aggregator Services)

11.

M/s Lentra AI Private Limited

a) Digital Lending

12.

M/s Auburn Digital Solutions Private Limited

a) Digital Marketing

13.

M/s Isols Group Private Limited

a) Digital Marketing

14.

M/s TechMatrix IT consulting Private Limited

a) Customer Relationship Management (CRM) & Digital Lending

15.

M/s IndiaIdeas.com Limited

a) Digital Lending, Remittances & Payment Services, Predictive analytics and AI (Artificial Intelligence)/ ML (Machine Learning)

16.

M/s Gokiwi Tech Private Limited

a) Any other (Credit Card Onboarding)

17.

M/s Anniyam Payment Solutions Private Limited

a) Digitization of processes/ products

18.

M/s Gupshup Technology India Private Limited

a) AI (Artificial Intelligence)/ ML (Machine Learning)

19.

M/s Bitonic Technology Labs Private Limited

a) AI (Artificial Intelligence)/ ML (Machine Learning)

20.

M/s Oneconsumer Services Private Limited

a) Any other (Digital onboarding of Credit Card through Co-Branding

21.

M/s Crayons Advertising Limited

a) Digital Marketing

22.

M/s Paisabazaar Marketing and Consulting Pvt Ltd

a)Financial Advising, leads generation & sharing with Bank Domain

23.

DBA Lounge Private Limited

a) AI (Artificial Intelligence)/ ML (Machine Language) domain

24.

Entropik Technologies Private Limited

a) AI (Artificial Intelligence)/ ML (Machine Language) domain

25.

M/s SLO Technologies Private Limited

a) Digitization of Processes/ Products/ Services

26.

M/s Naffa Innovations Private Limited (Trademark ToneTag)

a) Financial Inclusion domain Digitization of Processes/ Products/ Services & Standard readymade product available for integration with Bank`s systems

27.

M/s QualityKiosk Technologies Pvt Ltd.

a) Any other domain (Quality and Observability Engineering)

28.

M/s KAizen Secure Voiz Private Limited.

a) AI (Artificial Intelligence)/ ML (Machine Language) domain

29.

M/s Pinelabs Private Limited

a) Buy Now Pay Later (BNPL), Digital Lending

30.

M/s Signzy Technologies Pvt Ltd.

All Account Through Video KYC, any other domain i.e:

1) Digital Lending

2) Digitization of process/ products

3) Credit Rating

4) Credit Underwriting

5) Development of Standard API`s for integration with bank system

6) Fraud Detection

7) Risk Management

8) Credit Card digital onboarding

9) Digital onboarding solutions- Savings Ac, Current Ac, Term Depsit Onboarding

10) Merchant Onboarding

11) AML solution

12) Account Aggregator

13) Acts as TSP

31.

Scoreme Solutions Private Limited

a) Data Analytics, Digital Lending

32.

M/s FPL Technologies Private Limited

a) Retail Loan Aggregators, Buy Now Pay Later (BNPL)

33.

M/s Care Risk Solutions Private Limited

a) Digital Asset & Liability Schemes, Data Analytics, AI/ML, Reg. Tech and Digital Asset & Liability Schemes

34.

Acidaes Solution Private Limited

a) All Account Through Video KYC, Digital Asset & Liability Schemes

35.

Gieom Business Solutions Private Limited

a) All Account Through Video KYC

36.

Infrasoft Technologies Limited

a) All Account Through Video KYC, AI/ML/ Robotics, Agri Tech

37.

Canpe Solutions India Private Limited

a) AI/ ML/ Robotics

38.

Online PSB Loans Limited

a) AI/ ML/ Robotics, Data Analytics, Digital Asset & Liability Schemes

39.

Perfios Software Solutions Pvt Ltd.

a) AI/ ML/ Robotics, Data Analytics, Digital Asset & Liability Schemes

40.

Scienaptic Systems Pvt Ltd.

a) AI/ ML/ Robotics

41.

DGLiger Consulting

a) Data Analytics

42.

SysArc Informatix Private Limited

a) Data Analytics, Digital Asset & Liability Schemes

43.

Manipal Business Solutions Private Limited

a) Retail Loan Aggregators

44.

Nuclei (CDNA Technologies Private Limited)

a) E-Marketplace

45.

Vernost Marketing Services Pvt Ltd

a) E-Marketplace

46.

Open Financial Technologies Private Limited

a) Open Banking

47.

M2P Solutions Pvt Ltd.

a) Buy Now Pay Later (BNPL)

48.

Knight FinTech Research Private Limited

a) Digital Asset & Liability Schemes

49.

Decimal Technologies Pvt Ltd.

a) Digital Asset & Liability Schemes

50.

Goldmine Advertising Ltd.

a) Digital Marketing
PNB Metaverse

The metaverse gives us a unique capability to bring life to an inanimate world. It has enabled collaboration between the physical and the virtual world, and among people, who exist in this space as avatars. It represents a highly interactive three-dimensional virtual world where we can interact using our virtual avatars.

Punjab National Bank endeavours to use this cutting-edge technology with a human touch to deliver deep, personalized interaction to its customers and restore the customer connect lost in other digital channels. The Bank has created ‘PNB MetaVerse’- a virtual branch of the Bank in metaverse wherein the customers can have a virtual tour through the avatars chosen by them. This interactive experience will enable the customer avatars to get the feel and human touch of the branch and browse through various products and services of the Bank. Follow the steps below to access the ‘PNB MetaVerse and enjoy Banking in its latest avatar.

How To Access:

Kindly open the following Link into PC / Laptop Click on https://pnbmetaverse.pnbindia.in

  • Enter your basic information i.e. name, mobile number and email id
  • Enter the OTP received for authenticated access
  • Choose your favourite from the available Avatars
  • Use cursor keys (Up and Down) to move User forward and backward
  • Use cursor keys (Left and Right) to turn User left and right
  • Use left click of mouse to select and on various Interactive icons and product schemes
Major Features of the Platform
  • Online and Instant Validation of PAN and Aadhaar.
  • OTP based eKYC Service
  • Options to avail Debit Card, Cheque Book, Passbook etc.
  • Instant Account Creation
  • Instant Video KYC option
  • PNB Unnati Savings Scheme
  • PNB Power Savings Scheme (Only for Women)
  • PNB Samman Account (Pension Saving Account)
  • PNB SF Prudent Sweep Deposit Scheme for Individuals
  • PNB Select Saving Account
  • PNB Basic Saving Bank Deposit Account
  • PAN Card
  • Aadhaar
  • Annual Income/Turnover proof (Optional)
  • Mobile Number
  • Email ID
  • Aadhaar should be linked with Active Mobile Number
  • Mobile Phone/Tablet/Desktop with Camera and Microphone
  • Permissions to access Microphone, Camera and Geo-location
  • Good Internet Connectivity
  • Clear, Well-lit and Disturbance free background
  • A white paper and Blue/Black Pen

SCAN the QR or Click Here to dive into the world of New Possibilities with Punjab National Bank.

Get a personal loan instantly with just few simple clicks online

Get funds in minutes for Employees of Central Govt., State Govt,PSUs & Private employees(No Branch Visit Required).

Employees of Central Govt., State Govt., Defense, paramilitary forces, PSUs & Private employees having salary account with PNB. Where salary is credited in the salary account of the customer for 10 months out of last 12 months & credit for any two months out of last three months are mandatory. Further, last month salary should also credited in the account mandatorily

Minimum: Rs. 25,000/- & Maximum: Rs. 8,00,000/- Where Maximum Eligible Loan amount –Rs. 800,000/- However, for Private salaried employees drawing salary through our bank maximum loan amount will be Rs 5,00,000/-.

Nil

The entire loan (principal & interest) shall be repaid within remaining period of service subject to Maximum 60 months.

Nil

  • Pre-approved Personal Loan from PNB is a hassle-free process which requires minimal digital documentation (NeSL) for loan approval & disbursement.
  • eSign & eStamping using NeSL. (Aadhaar OTP based)

Aadhaar should be seeded with the registered mobile number.

RLLR + BSP + 2.25% to RLLR + BSP + 4.25% as per CIC Score. CIC Score based ROI

0.50% of loan amount inclusive of all the charges with Min. Amt of Rs.500/+GST inclusive of all charges & stamp duty(The charges are inclusive of Upfront Fee, Documentation charges, stamp duty charges, CIC charges & other charges)

For any help with your loan, you can reach out to us via Toll Free: 18001802222 / 18001032222 Tolled No: 0120-2490000 and email us on papl[at]pnb[dot]co[dot]in.

  • *Terms & Conditions Apply.
Get a personal loan instantly with just few simple clicks online

Get funds in minutes for our Pensioners (No Branch Visit Required)

Eligibility

Pre-Selected Customer Segment

All types of pensioners drawing pension through our branches.

Age of applicant should not be more than 65 Years.

Loan amount

o Minimum: Rs. 25,000/- & Maximum: Rs. 8,00,000/-

Where Maximum Eligible Loan amount –Rs. 800,000/- (In states & UT where e-stamping & e-documentation facility is available.)

Minimum Rs. 25,000/- and Maximum Rs. 5,00,000/- (In states & UT where e-stamping facility is not available.)

Margin

Nil

Repayment

Flexible Repayment

The entire loan (principal & interest) will be repaid in maximum 60 equated monthly installments or upto the age of 70 years whichever is earlier.

Minimum repayment period is 1 month.

Maximum age of the pensioners at the time of sanction 65 years.

Security

Nil

Documentation

Pre-approved Personal Loan from PNB is a hassle-free process which requires minimal digital documentation (NeSL) for loan approval & disbursement.

· eSign & eStamping using NeSL. (Aadhaar OTP based)

Note: Aadhaar should be seeded with the registered mobile number.

ROI

RLLR+BSP+2.25%.

Charges

0.50% of loan amount + Taxes (Inclusive of all charges including Upfront Fee, Documentation charges, stamp duty charges, CIC charges & other charges)

For any help with your loan, you can reach out to us via Toll Free: 18001802222 / 18001032222 Tolled No: 0120-2490000 and email us on papl@pnb.co.in.

  • *Terms & Conditions Apply.
Features

Get PNB eMudra Loan in no Time- Online Get your loan sanctioned instantly, if you are already a PNB customer and an entrepreneur with satisfactory operations in the account with just a few clicks.

eMudra Loan from PNB is a hassle-free process which requires minimal documentation.

Get PNB eMudra Loan without giving any processing fee & at very attractive ROI i.e. RLLR+0.15%.

PNB has customize the offering for you. The flexibility to pick a tenure that suits you and pay back the loan in pocket-friendly EMIs.

Get Loan sanctioned without any collateral or Third party Guarantee.

PNB eMudra Loan customers enjoy flexible repayment scheme up to 7 years including maximum moratorium period of 3 months allowing customers to choose tenure and amount of their choice. This makes loan repayment very easy and hassle-free for our customers.

  • Applicant should be a businessman.
  • Udyam Registration Number is mandatory.
  • Should have active Saving/Current account with PNB since past 6 months with satisfactory operations.

With an endeavor to offer another customer centric digitized product, bank has launched the facility of submitting life certificate through video call. Central/State Govt. Pensioners from the comfort of their homes can schedule a video call with PNB staff at their convenience and complete the process of life certificate submission without having to visit the bank branch. Visit Video KYC website: https://onlinesb.pnbindia.in. to know more!

Pre-requisites for submission of Life Certificate

Since the process will be online and involve video-based identification, the applicant need to be ready with following to start the process:

  • A computer/Mobile/Tab with Camera, GPS and Microphone facility.
  • Mobile Number linked with bank account number.
  • Aadhaar number with linked Mobile No. and/or Email ID.
  • Aadhaar number availability in Bank database.

Click here to submit your life certificate at your convenience.


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