Imagine checking your bank balance this Diwali and finding an extra ₹50,000 credited to your account. Sounds too good to be true? Well, it’s real — and it could happen to you.
This Diwali 2025, India’s top public sector banks — State Bank of India (SBI), Bank of Baroda (BOB), Punjab National Bank (PNB), and Bank of India (BOI) — have rolled out special festive offers that promise big rewards for loyal and active customers.
The goal is simple: to bring a little extra sparkle to your festive season while boosting consumer spending across the country.
Why Are Banks Giving Out ₹50,000 Bonuses?
Here’s the thing — the festive season is when India’s economy truly comes alive. People shop more, travel more, and celebrate more. Recognizing this, banks have teamed up with government-backed digital initiatives to reward active account holders and encourage digital transactions.
According to official sources, eligible customers can receive up to ₹50,000 directly in their bank accounts through Direct Bank Transfer (DBT) — no complicated forms, no hidden conditions.
But not everyone qualifies automatically. Let’s break down the eligibility.
Who Is Eligible for the ₹50,000 Diwali Bonus?
Each bank has set its own guidelines:
- SBI: Customers who use the YONO app or perform regular digital transactions may receive a cashback of up to ₹50,000.
- BOB: Account holders who avail any festive loan this month could get the special bonus credited.
- PNB: Under its “Diwali Dhan Utsav Offer”, the bank is offering bonus rewards and EMI discounts to active account holders.
- BOI: Customers maintaining an active savings account are eligible for the festive bonus benefit.
To qualify, make sure you:
- Keep your KYC details updated
- Maintain a minimum account balance
- Make regular digital or debit card transactions
How to Claim the ₹50,000 Diwali Offer
Getting the benefit is simple — just follow these steps:
- Log in to your official bank app or visit your local branch.
- Look for the “Festive Offer” or “Diwali Bonus” section.
- Register or opt in for the offer (if required).
- Check your eligibility and ensure your account is active.
The credited amount will appear in eligible accounts by the first week of November 2025, right in time for the Diwali celebrations.
Important Safety Tips
Festive seasons often bring fake offers and scam messages. Here’s how to stay safe:
- Never click on suspicious links or share OTPs.
- Only check offers through official bank websites or mobile apps.
- Remember: Banks never ask for personal details over phone calls or messages.
A Thoughtful Step This Diwali
This initiative from SBI, BOB, PNB, and BOI isn’t just about celebration — it’s about trust and reward. By encouraging digital banking and rewarding active customers, these banks are helping families enjoy the festive season with a little more ease and happiness.
If you’re a customer of any of these banks, now’s the perfect time to log in, check your eligibility, and make sure your account is ready. Who knows — your Diwali surprise might just be waiting in your inbox.
Frequently Asked Questions
1. Will every customer get ₹50,000?
No, only eligible and active account holders who meet the bank’s criteria will receive the benefit.
2. When will the bonus be credited?
The banks have announced that eligible customers will receive the bonus amount by the first week of November 2025.
3. How can I check my eligibility?
Visit your bank’s official app or website, go to the “Festive Offer” section, and follow the steps to verify your eligibility.