In this article, I am going to give you full detail about Punjab National Bank CSP, how to apply for it, how much investment does it require, how much space it will need, what is the eligibility criteria to open a PNB CSP, what are the documents it will require, how to do registration for it and how the commission is earned. So, there are many things to explain but before explaining anything, we need to some basic terms like CSP, mini branch, or Kiosk banking.
So, CSP, mini branch, or Kiosk banking are the same thing. You can say, these all are synonyms of each other. So, CSP is a digital booth that is just like a mini bank that provides maximum services of a bank like an account opening, money deposit, money withdrawal, passbook printing, loan, and insurance services too.
Punjab National Bank CSP Registration
But it puts some limit on money transactions, loan and insurance services, etc. Along with these services, it also provides government schemes like PMJJY, PMSBY, etc. The concept of opening a Bank CSP was planned and started by RBI.
The plan of RBI was to make a bank crowd and rush free. So, he decided to minimize the crowd and rush in a bank so that the customers can get good services and employees can also provide good services because the bank employees were used to face a lot of pressure and workload. CSP start spreading all over India after the government scheme called Jan Dhan Yojna.
Punjab National Bank CSP Registration
According to this scheme, the government was promoting banks and telling people to open an account in the bank for free with zero balance. Demonetization was also responsible for it. So, banks started getting crowded day by day. So, after that CSPs started opening all over India. It is very beneficial for people of rural areas because they do not have to travel a lot for small works. It can be opened anywhere either rural or urban area. At the place where a bank can’t be opened, it can be opened.
These CSP centers are run by banks but a bank never opens a CSP center. There are many companies that have got authority from the bank to open their CSP center. These companies are called the business correspondent company. So, anyone can take the franchise of these companies and open a bank CSP center, and can start a business.
Eligibility Criteria for PNB CSP.
To open a PNB CSP, you should have residence proof of that area where you want to open this CSP. Your age should be at least 21 years. Your education qualification should be at least class 12th. You should also have some basic knowledge of computer and the most important thing; you should have at least 100 to 150 sq. ft land. The retired army is given the first priority to open a Bank CSP, then, common people. So, if you are a retired army and have all documents, then, you can easily open a Punjab National Bank . So, these all are the eligibility criteria you need to fulfill to open a PNB CSP.
Equipment required to open a Punjab National Bank CSP.
For PNB CSP, you should have a laptop or desktop with a stable internet connection, a printer, scanner, biometric device, and power backups like inverter, generator, or UPS.
Investment required for Punjab National Bank .
So, your investment mostly depends on your land and the equipment required for the CSP. If you have all these things, then, you will not need to invest a lot of money but if you don’t, then, you have to invest a lot of money by buying these pieces of equipment and renting the land. You also need to give a franchise fee to the business correspondent company, So, if you have your own land and have all equipment, then, you have to do an investment of Rs.40,000 to Rs.50,000 approx. This is not a fixed income. This may vary from company to company.
Documents required for PNB CSP.
For PNB CSP, you should have a PAN card, an Aadhar card, a driving license, electricity bill, ration card, passport size photographs, a valid email id or phone number, educational certificates (at least class 12th), and kiosk banking location address.
After collecting every document, you need to visit the official website of the business correspondent company like Oxigen, zero mass foundation, Sanjivni Vikas Foundation, Jio payment banks, etc, and apply there for the CSP. Then, they will contact you shortly. You just need to follow their instruction and after the whole work is completed, then, you need to pay them. This is how you can open a PNB CSP center.
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