Punjab National Bank is a bank of India. The bank's segments include treasury, corporate/wholesale banking, retail banking and other banking operations. The Treasury segment includes the entire investment portfolio as well as trading in currency contracts and derivative contracts. The Bank offers various banking services such as Agricultural Banking, Retail Banking, Treasury, Corporate Banking, Commercial Banking, Non-Resident Indian (NRI) Services, Depository Services, Digital Banking and Mutual Funds. Its custodial services include short-term deposits, savings deposits, fixed deposits, recurring deposits, capital growth account system and gold coin system. Its loan portfolio includes personal loans, agricultural loans, micro, small and medium enterprises (MSME) loans and corporate loans. Other services include cash management services, export/import financing, a gold card system for exporters, domestic banking and an online store.