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Last Updated 13th May 2022

  • PNB UPI app allows you to transfer funds online from one bank to another.
  • You can also make online bill payments, recharges and much more with UPI app.
  • PNB’s UPI payment system is integrated with its mobile banking app - BHIM PNB Pay.
  • PNB UPI app can be downloaded by Google Play Store or Apple Store.
  • PNB has a transaction limit of ₹ 1 Lakh on its UPI app.
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Punjab National Bank's UPI application also facilitates linking of other bank accounts. This means, through BHIM PNB, you can link any bank account and make UPI transactions. The app allows you to make payment requests, collect requests, collect request approval and have a Virtual Payment Address. It also supports 2, 3, and 4 party models of NCPI UPI, making it a one-stop solution for all your UPI needs.

How to Register for PNB UPI?

To register for PNB UPI, you have to follow these steps:

  • Download the 'BHIM PNB' app from your app store.
  • Open the app and click on the 'Click Me' option.
  • Verify your mobile number registered with your bank account.
  • Select your bank, account number and enter other relevant details like name, date of birth, email, etc.
  • Lastly, create your 6 digit PIN and complete the UPI registration process.

How to Collect/ Receive Money From PNB Pay?

You can collect or receive money from PNB Pay by using following steps:

  • Open BHIM Baroda Pay on your mobile
  • Tap on 'Collect/Receive' option.
  • Enter the VPN of the from whom you want to receive money, enter the amount and then click on 'Request'.

Benefits of BHIM PNB Pay

Some of the popular benefits of BHIM PNB Pay are:

  • You can make cashless payments on the go to any person without requiring details like account number and IFSC code.
  • You can make Quick scan payments to merchants in real-time.
  • The BHIM PNB also provides various other services like paying bills, recharging mobile and DTH services, etc. Having such services on the app makes it a one-stop solution for various other things apart from making UPI Payments.
  • You can add all your bank account to the app and connect them to UPI.
  • Complete safety of your transactions and accounts as the UPI network is 100% safe. Plus it is backed by RBI.

Features of PNB BHIM App

PNB offers following features on its BHIM UPI app:

  • You can use BHIM PNB app irrespective of whether you have an account with PNB or not.
  • You can make payment request, collection request, Virtual Payment Address and also manage the address book of third parties.
  • BHIM PNB app supports 2-party, 3-party and 4-party models of NCPI UPI.

PNB UPI Transaction Limit

The UPI transaction limit for one day is a maximum of ₹ 1 Lakh. Thus, you cannot make UPI transactions worth more than ₹ 1 Lakh in a day through BHIM PNB Pay.

Timings of PNB Pay App

The UPI transactions from BHIM PNB Pay can be done 24*7, 365 days with a real-time transfer of funds. Therefore whether it is a national holiday or bank holiday, you can still make payments and receive money through UPI.

Charges of PNB Pay

Currently, there are no charges for UPI transactions made through BHIM PNB Pay.


How can I get an PNB UPI ID?

You can download the BHIM PNB, enter your basic details like Name, DOB, etc. in the UPI section. After which you can link your bank account and enter your desired 6 digit UPI PIN to get your PNB UPI ID.

Does PNB charge UPI transactions?

Currently, there are no charges for UPI transactions by any bank on any app.

What is BHIM PNB pay?

The BHIM PNB is UPI mobile application from PNB. Through this app, an individual with a bank account in any of the bank linked with UPI can create its UPI ID and make transactions.

What is UPI in PNB?

Unified Payment System or UPI is a real-time payment system which facilitates the transfer of funds from one bank account to another. The system has been developed by National Payments Corporation of India (NCPI). Users can transfer funds through UPI from their mobile.

What is PNB UPI address?

The PNB UPI address refers to the Virtual Payment Address which is created for each user when they register for UPI. It is an address which is used in place of information like account number and IFSC code to facilitate the real-time transfer of funds through UPI safely and seamlessly.

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