Managing personal finances has become more essential and increasingly complex in the modern digital age. The convenience of online shopping, digital payments, and mobile banking has made transactions effortless, yet it has also led to unintentional overspending, with the cumulative effect of frequent, seemingly small purchases often slipping under the radar. This is where a comprehensive financial management tool like the PNB One app becomes indispensable. With its seamless and intuitive platform, it empowers individuals to effortlessly take charge of their finances with greater confidence and control. Here’s the list of its key features:
Account balance dashboard
The moment you open the app it provides real-time updates on your account, including Savings Account, Current Account, Loans, Fixed Deposits and Overdraft. This feature helps you stay informed about your financial status, enabling you to make better financial decisions and avoid overdrafts.
Automate your savings
Financial security depends on consistent saving, which is made easier than ever with the app. You can schedule recurring transfers to your FD, RD, Mutual Funds, and others from your current or savings account to your investment accounts. This feature ensures your money is consistently directed toward your future goals, resulting in regular savings.
Investment and tracking
If you are an investor, you can invest in Mutual Funds, ASBA, PPF, Insurance, Sukanya Samriddhi Account and others in just a click. The app offers a comprehensive overview of your portfolio by allowing you to track your investment and make informed decisions on the go. This feature helps in having your investments and banking information in one place and provides a holistic view of your financial situation, making it easier for future financial planning.
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Transfer funds easily
Transferring funds between accounts or to other individuals is a breeze with this app. Whether you need to transfer money to a friend, pay for a service, move funds between your own accounts or inter-bank transfer, the app offers a seamless and secure way to do so. The app supports UPI through Rupay Credit card, scan and pay, transfer to mobile number besides NEFT, RTGS, and IMPS transfers.
Digital loans and credit cards application
Whether you’re seeking a personal loan, home loan, Education loan, Vehicle loan, Krishi Tatkal loan, Gold loan, PM Vishwakarma loan, KCC renewal or credit card, you can apply digitally directly through the app. Additionally, you can also track the status of your application and manage your loan accounts through the app.
Recurring bill payments
Taking charge of your financial situation includes paying your bills on time. The app offers a convenient bill payment feature that allows you to pay your utility bills like electricity bill, water bill, telephone etc. via BBPS along with credit card bills, and other recurring expenses directly from the app. You can set up reminders or schedule automatic payments to ensure you never miss a due date, saving you time and money.
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Customer support access and emergency services
In case you face any issues or have queries related to your finances, you can avail the emergency services like UPI blocking, Card hotlisting, stop cheque facility, among others. You can also find the nearest branch for assistance. Prompt customer support ensures that you can manage your finances seamlessly.
Managing finances through a mobile app like PNB One offers unparalleled convenience and control, right at your fingertips. With features such as real-time spending tracking, automated savings, bill payments, investment monitoring, and even loan applications, the app provides a comprehensive, real-time snapshot of your financial well-being. It not only simplifies financial tasks but also offers personalised insights, empowering you to make informed decisions and maintain a healthy financial life with ease.