Digital Banking Units (DBUs)
Digital Banking Unit (DBU) is a specialized fixed point business unit / hub having certain minimum digital infrastructure for delivering digital banking products & services as well as servicing existing financial products & services digitally, in both self-service and assisted mode.
In furtherance of the objective of availability of digital infrastructure for banking services and as a part of efforts to accelerate and widen the reach of digital banking services, the concept of “Digital Banking Units” (DBUs) has been introduced by the Reserve Bank of India.
DBU is an identified “Brick & Mortar” Unit distinctly located from the existing branch, preferably in a separate building, in the identified district wherein banking services are provided through digital modes/channels in a paperless, efficient, safe, and secured environment.
In DBUs, the following services are being offered
Self Service Zone –
- ATM Machine
- Cash Deposit Machine
- Passbook Kiosk
- Internet Kiosk for lead generation and end to end processing in identified retail loans and identified Govt. Sponsored schemes on National Portal.
- Account Opening Kiosk using EKYC/Video KYC
- Bill Payment Kiosks by important billers.
Self-service kiosks have been made available 24*7*365
Digital Assistance Zone –
Digital Chief Operating Officer (DBU Head) along with other supporting staff are managing the Digital Assistance Zone.
Following services are being offered in Digital Assistance Zone:
Account Opening
1) Saving account under various schemes, Current account Single and proprietorship.
2) Fixed deposit and Recurring deposit account.
Digital Journeys (Assistance in availing Digital Retail Loan/MSME Loan)
Bank has recently introduced end-to-end digital journeys for Retail/MSME Loans for NTB/ETB customers:
1) Digital Personal Loan (PNB Swagat) to NTB Customers
2) Digital Home Loan
3) E-PM SVANindhi Scheme
4) PNB GST-Sahay
5) E-GST Xpress
6) Pre-Approved Personal Loan
7) Pre-Approved Business Loan
8) E-Mudra Loan
9) Instant Loan Approval via PSB59 portal, apply for Govt. Sponsored Scheme through Jan Samarth national portal
Enrollment on Social Security Schemes:
1) PMSBY
2) PMJJBY
3) APY
Miscellaneous Services provided in Digital Assistance Zone:
1) Activation/registration of mobile app
2) On boarding of Customers on Digital Platforms
3) Mobile Banking/ Internet Banking Assistance
4) Digital Kit for customers: Mobile Banking, Internet Banking and Debit Card & Credit card and Fastag
5) Digital Kit for Merchants: UPI QR code, BHIM Aadhaar, POS
6) Issuance of Cheque/Stop Cheque/Positive Pay System
7) KYC Updation/activation of sms alerts, Mobile Number / Email Updation
8) Nomination Registration
9) Jeevan Pramaan-Life certificate
10) Submission of 15G/H
11) Debit card issuance
12) Hot listing of debit card/other Channels, Unblock debit card
13) Customer Complaints/Grievance Handling, Customer feedback and Customer survey.