Custom Solutions, Endless Possibilities for Startups and Enterprises

Punjab National Bank Bancmate Customer Case Study

Punjab National Bank Dramatically Improves Rural Banking in India


Country: India
Industry: Banking

Customer Profile

Punjab National Bank (PNB) is one of the leading public sector banks in India. It has a large retail-banking network of over 4,400 branches and service counters that spreads out into far-flung and remote areas.

Business Situation

PNB was faced with the prospect of increased competition from new private and international banks. It also faced the challenge of linking all of its branch operations into a cohesive entity to serve its customers. The bank’s operations serve a widespread population that speaks many different languages.


PNB chose BancMate from Natural Technologies to run its branch banking operations on Microsoft® Windows Server™ 2003 and Microsoft SQL Server™ 2000.


  • Bilingual software improves customer relationships.
  • Easy to implement and troubleshoot
  • User friendly, cuts training time
  • Scalable from very small to large
The Windows Server 2003–based solution was easy to implement as well as maintain remotely across our network of far-flung rural branches.”
K. S. Bajwa, General Manager–IT, Punjab National Bank

Punjab National Bank (PNB) is one of the 500 largest banks in the
world, and enjoys a rich history and heritage. PNB was the first
Indian bank to be started solely with Indian capital. Established in
1895 at Lahore, and nationalized in 1969, it has worked
assiduously to build the banking sector in rural and urban India. It
has presence in remote areas of the country, cutting across cultural
and linguistic boundaries. Computerization of the branches for data
accuracy, operational ease, facilitation of customer interaction with
banking products, and centralization of data was of concern for
remote branches. One of the important reasons for choosing
BancMate—a multilingual Total Branch Automation (TBA) package
for rural and semi-urban branches—was that it is based on
Microsoft® Windows Server System™, which provides ease of
learning and intuitiveness, as well as the ability to easily implement
and support solutions based on it.