lost ₹5299 in PNB
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It's not zero balance account.. I used to get these msgs for every quarter.
Dear Customer, Average Balance in your account XXXXXXXX00014693 is below minimum level. Please build up required average balance to avoid levy of charges.
Even if there are charges that should not be 5300. Contact bank.
When the savings account doesn't have sufficient balance to debit any charges .. that account should be closed?.. is this the RBI norms? Any light on this? @guest_999 @pingpong @getready
Your account may not be a zero balance account or they converted it to regular savings account. I was charged some 800 rupees for non-maintanance of 3000 balance in PNB regular savings account for 2 quarter i guess the same case is with you.
Yeah..it's normal savings account .but due to my job transfer .. I didn't close that account..any way to recover the charges?
When I check the balance through UPI available balance shows as ₹5299.. but I am unable to transfer even ₹100 ..getting the error msg as insufficient balance . 
So, probably you'll have to activate your account again and try to fight with them for non-maintenance of charges. But chances are, you'll have to pay.
I maintain Rs. 2k in my PNB Savings A/C without fail. Please keep checking this on a monthly basis for all your savings account. Peace of mind should be above all.
Clear instructions from RBI,bank cannot debit charges to below 0 level for mab
Long back in Oct/2016 I complained to BoM for deducting non-maintenance charges 10 months finally they reversed around 2K, some RBI guideline is there which says after 3 months a/c should be suspended and no more charges
I don't have more info as of now take google help
Yeah.. trying to get some sort of help to tackle this . If you find anything useful.. Be post here or DM me..
I wasn't able to use my pnb account
Account was marked as dormant
How did you even withdraw 4700??
It seems they have put that amount on lein hence you are not able to transfer but still can see in bal. If you have net banking access check there.
Lodge a complaint against bank
It will take time but definitely help
Just now successfully logged in net banking.. no lien marked.. but I am unable to transfer any amount.. ₹10 transferred through UPI . That too only once .
What does the transaction statement say @VimAl_Raj
May be Daily transfer limit got reached? Try once after 24 hours.
Don't worry, approach the PNB bank manager of your branch. They will redirect you to the concerned person. It could be some sort of security measure.
Can you imagine a savings account being inactive for four years, and then suddenly, someone transfers a certain amount and withdraws it at the same time? That is really suspicious activity.😱😄
@undertaker007 @UnderNation
Contact customer care and tell them the issue, they'll surely help , and refund the amount if possible
I faced similar situation recently also i got my money back
Authentic by book: Banks can't charge you MAB charges after account balance reaches ZERO (can't be negetive balance) BUT BUT BUT any other charges for example Debit card charges +gst could be debited (even in negetive balance) till you revive or permanently close account. So it is that simple.
That haven't debited the charges.. Still it's showing as available balance only.. But instead of marking lien.. they marked this balance can't be transferred or withdrawal by anyway.. Even the BM can't do much..
If it's zero balance account then there should be no charges..! Surprising issue