Modern channels — thoughtfully in progress

NHUCB is preparing internet banking, mobile access, and payment integrations. Today, your accounts are served in person at our Nakodar branch with the reliability of 120 years of community banking.

Transparency

What is available today vs. what is coming

We will not advertise services that are not yet live. Below is an honest summary for our customers.

Available now

At our Nakodar branch

Single-window counter service
Computerized branch operations
Savings, fixed deposits, and senior schemes
Personal, business, agriculture, and gold loans (in-branch)
Demand draft and locker facilities
Customer support in person and by phone

Under preparation

Digital programme (planned)

NHUCB internet banking portal
Mobile banking application
UPI and bill-payment integration
Expanded NEFT / RTGS / IMPS self-service
SMS and email account alerts
ATM / debit card network expansion

Coming Soon

Building digital banking the right way

Infrastructure, vendor selection, RBI-aligned controls, and staff training take time. We are investing in a platform that matches our heritage — not rushing incomplete channels online.

For digital personal credit, see our separate LSP Programme (proposed partnership with Baumen Loan).

Roadmap

What we are preparing

Phase 1

Core banking upgrade

Strengthen ledger, reporting, and compliance systems to support digital channels safely.

Status: In planning

Phase 2

Internet banking

Secure web access for balances, statements, and fund transfers — subject to RBI guidelines.

Status: Vendor evaluation

Phase 3

Mobile banking app

Android-first customer app for everyday banking, designed for Punjab families.

Status: Design & specification

Phase 4

Payments & alerts

UPI, NEFT / RTGS / IMPS self-service, and transaction notifications.

Status: Planned

Timelines will be announced at the branch and on this website once milestones are confirmed. No registration is open for digital channels yet.

Contact Branch Branch Deposits