The PNB Rakshak Plus Scheme Assistance is a special banking and insurance support program designed especially for defence personnel and their families. Whether you’re from the Army, Navy, Air Force, or Paramilitary forces, this scheme gives you financial protection, easy banking benefits, and peace of mind during emergencies.
Iske through, PNB ne un sabhi jawanon aur unke parivaaron ko sammaan dene ki koshish ki hai jo apni jaan ki parwah kiye bina desh ki raksha karte hain.
Let’s explore everything you need to know — simple words mein, full detail ke sath.
What is PNB Rakshak Plus Scheme?
– Introduction and Scheme Objective
Punjab National Bank ka Rakshak Plus Scheme ek unique financial offering hai that brings together:
- Zero-balance savings account
- Accidental insurance coverage up to ₹1 crore
- Overdraft facility
- Immediate financial assistance to martyrs’ families
👉 Objective? To give financial dignity, quick assistance, and insurance protection to India’s defence personnel and their loved ones.
– Background: Why was it launched?
Yeh scheme banaayi gayi thi kyunki border postings, active duty, aur internal security operations mein hamesha danger rehta hai. Many families struggle to get immediate help jab unke ghar ka soldier martyr ho jaata hai.
You May Also Like: PM Surya Ghar Yojana 2025
Hence, PNB stepped in with Rakshak Plus.
Key Benefits of PNB Rakshak Plus
– Accidental Insurance Coverage
- Coverage up to ₹1 Crore for accidental death.
- ₹10 Lakh for partial or total disability.
- Bina kisi extra cost ke insurance milta hai.
- Fast claim processing with minimum paperwork.
– Zero Balance Account
- No penalty on balance.
- Free ATM withdrawals.
- Full access to PNB One app.
- Free cheque book & passbook.
– Overdraft Facility
- ₹3 lakh OD based on salary credit.
- No collateral needed.
- Flexible EMI option.
– Financial Help to Martyrs’ Families
- ₹1 Lakh immediate relief transfer to nominee.
- ₹1 Cr insurance disbursed within 30 days.
- In 2023 alone, ₹17.02 Cr distributed to 293 martyr families.
Eligibility Criteria
– Who Can Apply?
- Serving/Retired members of:
- Army, Navy, Air Force
- CRPF, BSF, ITBP, CISF, SSB
- Coast Guard, STF
- Must have valid service proof
– Age & Service Limits
- No upper age limit, but:
- 18–60 years get full benefits.
- Above 60 may need medical verification.
How to Apply
– Offline Process
- Visit nearest PNB branch.
- Fill Rakshak Plus form.
- Submit documents (ID, Service Proof, Nominee Details).
- Account created in 1 working day.
– Online Process
- Visit PNB Website
- Navigate to Rakshak Plus section.
- Submit enquiry or appointment form.
– Required Documents
- Aadhaar + PAN
- Defence ID/Service Proof
- Nominee details
- Passport photo
- Address proof
Insurance & OD Coverage
– Insurance Breakdown
| Coverage Type | Amount |
|---|---|
| Accidental Death | ₹1 Cr |
| Disability (Partial/Full) | Up to ₹10 Lakh |
| Immediate Family Relief | ₹1 Lakh |
| OD Facility | ₹3 Lakh |
– Overdraft Terms
| Detail | Value |
|---|---|
| Interest Rate | ~10% |
| Tenure | Flexible EMIs |
| Fee | Nil for defence staff |
Assistance to Martyrs’ Families
– Real Stories
- ₹1 Lakh released within 48 hours in many cases.
- ₹17.02 Cr disbursed in 2023 alone.
– Yearly Stats
| Year | Families Helped | Funds Released |
|---|---|---|
| 2022 | 210 | ₹14.65 Cr |
| 2023 | 293 | ₹17.02 Cr |
| 2024* | 126 | ₹7.25 Cr |
Rakshak vs Rakshak Plus
| Feature | Rakshak | Rakshak Plus |
|---|---|---|
| Zero Balance | ✅ | ✅ |
| Insurance | ₹50L | ₹1 Cr |
| OD Limit | ₹1L | ₹3L |
| Emergency Transfer | ❌ | ₹1L |
| Available to Civilians | ❌ | ❌ |
Charges & Fees
| Service | Charges |
|---|---|
| Account Fee | ₹0 |
| SMS Alert | ₹15–20/yr |
| Lost Card Reissue | ₹100 |
| Cheque Bounce | As per bank |
Basic services are completely free under Rakshak Plus.
Claim & Support
– Claim Process
- Inform bank.
- Submit:
- Death/Disability Certificate
- ID, Service Proof
- FIR (if applicable)
- Claim processed in 15–30 days.
– Contact Support
- 📞 1800-180-2222
- 📧 rakshak@pnb.co.in
- 🏢 Visit nearest branch
Common Issues & Solutions
– Rejections
- Missing docs
- Duplicate scheme
- Age issue
Solution: Verify service certificate & all KYC docs.
– Login Issues
- Use PNB One App
- Update KYC at branch
- Add alternate number
FAQs – PNB Rakshak Plus Scheme Assistance
PNB Rakshak Plus kya hai?
Ek special defence banking scheme with ₹1 Cr insurance, OD & emergency support.
Apply kaise karein?
Nearest PNB branch visit karke form bhariye ya site pe enquiry karein.
Kitna insurance milega?
₹1 crore tak accidental insurance milega.
Civilian apply kar sakta hai kya?
Nahi, sirf defence personnel ke liye hai.
Claim process kitna time leta hai?
15–30 din ke andar.
Kya retired army person apply kar sakte hain?
Haan, agar valid ID aur service proof ho.
Final Thoughts
PNB Rakshak Plus sirf ek account nahi hai—it’s India’s salute to its protectors.
Yeh scheme un parivaaron ke liye hai jinke sapne ek soldier ke saath shaheed ho jaate hain.
Ek suraksha kavach un logon ke liye jo hum sab ke liye khud ko risk pe rakhte hain.
Related Government Schemes
- PM Suraksha Bima Yojana – ₹2 Lakh cover @ ₹20/year
- PM Jeevan Jyoti Bima Yojana – ₹2 Lakh cover @ ₹436/year
These can complement Rakshak Plus for added security.
Glossary
| Term | Meaning |
|---|---|
| Zero Balance | No min balance required |
| OD Facility | Borrowed fund up to ₹3L |
| Nominee | Person who receives benefit |
| FIR | Police report in accident |
| Disability Cover | Payment in case of injury |
