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    Categories: BankHow to

How to avail banking services of PNB via SMS?

Punjab National Bank (PNB) is one of the famous public bank after SBI in India. In recent years, especially in last 5-6 years, it has changed a lot for benefit of customers. There was a time when one has to stand in long queues to avail any services of the bank. Now, it offers various services through internet banking, mobile banking, self-service branch etc.

Today, we’ll see how to avail different services of Punjab National Bank (PNB) through SMS.

Firstly, you’ve have to register your mobile phone number with your bank account in PNB. If you’ve not done it so far, you need to visit any PNB branch with PAN card / Aadhaar card and fill-up the form there.

Any mobile phone capable of sending and receiving SMS can be used for SMS Based Mobile Banking. The user has to create an SMS in the following predefined format(s) according to the service required by him and send the same to our fixed number-5607040.

In modern times, the most amazing service is its mobile banking. You can check your account balance, stop payment of cheque, request new cheque book etc. The complete list of such services are:

  • View account balance
  • Online Mini Statement(Quick View of last 10 transactions)
  • Transfer of funds to own accounts (within PNB)
  • Generate MMID
  • IMPS ( Immediate Payment Service) – Transfer of funds to Third Party accounts within PNB as well as Interbank Fund transfers
  • Cheque Status inquiry
  • Stop payment of cheque
  • Cheque Book request
  • Changing SMS Password

The above facilities can be availed by just sending an SMS from your mobile handset to the fixed number 5607040. The SMS should be in a predefined format (table given below). SMS can be sent only from the Mobile number registered with PNB for Mobile Banking facility.

Codes for ‘View Only Facility’:

Facility Short Code Format of the SMS Message Example*
Balance Inquiry BAL BAL<space> 16 digit A/C NUMBER BAL 015300XXXXXXXXXX
Mini Statement Inquiry MINSTMT MINSTMT <space> 16 digit A/C NUMBER MINSTMT 015300XXXXXXXXXX
A/c Statement Request STMT STMT <space>Month<space> 16 digit A/C NUMBER STMT  JAN 015300XXXXXXXXX
Stop payment of cheque STPCHQ STPCHQ <space> CHEQUE NUMBER <space>16 digit A/C NUMBER STPCHQ cccccc 015300XXXXXXXXXX
Cheque Status Inquiry CHQINQ CHQINQ <space> CHEQUE NUMBER <space> 16 digit A/C NUMBER CHQINQ ccccc 015300XXXXXXXXXX
Cheque book request CHKBK CHKBK <space>ACCOUNT NUMBER<space> MBANKING USERID<space> NUMBER OF LEAVES FOR CHEQUE BOOK CHKBK 015300XXXXXXXXXX AAAAAAAAA 20
Change SMS Password CHNGPWD CHNGPWD<space>SMS PASSWORD<space> NEW SMS PASSWORD CHNGPWD 2222 3333

( where SMS Password =2222; A/c no. = 015300XXXXXXXXXX; cheque no. =cccccc; User id=AAAAAA; New SMS PW=3333)

Codes related to Fund Transfer -Facility

Self Transfer of funds SLFTRF SLFTRF <space>FROM ACCOUNT NUMBER<space>TO ACCOUNT NUMBER<space>AMOUNT SLFTRF 015300YYYYYYYYYY 015300XXXXXXXXXX 100
IMPS Intra bank and Interbank remittance up to Rs. 5000/- per day per customer
Generate 7 digit MMID MMID MMID MMIDYou will be receiving a list of MMIDs mapped with the all accounts linked to your user Id.
To Cancel MMID MMIDCANCEL

MMIDCANCELMMIDCANCELThis cancels all the MMIDs generatedMethod 1 for Fund TransferIMPSIMPS<space>Beneficiary Mobile No<space>Beneficiary MMID<space>Amount<space>IMPS PIN

* IMPS PIN is a seven digit no. which is combination of 4 digit SMS password  and last 3 digits of Remitter’s MMIDIMPS 9999999999 1234567 100 2222111Method 2 for Fund TransferIMPSIMPS <space>XXXX <space>Debit Account No<space> Beneficiary Mobile No<space>Beneficiary MMID<space>AmountIMPS 2222 015300YYYYYYYYYY 9999999999 1234567 100

*This facility through SMS is free of charge by the Bank. However, telecom charges on SMS would be as per tariff of the telecom service provider.

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