Privacy Policy
Last updated: June 17, 2026
This Privacy Policy explains how Punjab & Sind Bank collects, uses, stores, protects, and discloses information in connection with the PSB Navjyoti mobile application.
PSB Navjyoti is an internal employee-facing application used for viewing employee scorecards, KRA-wise achievements, cohort rank, cohort percentile, and performance dashboards. The application is intended only for authorized employees and officials of Punjab & Sind Bank.
Interpretation and Definitions
Definitions
- Account means a unique account or login credential created or assigned to You.
- Application refers to PSB Navjyoti.
- Bank, Company, We, Us, or Our refers to Punjab & Sind Bank.
- Country refers to India.
- Device means any device that can access the Application.
- Employee means an authorized employee or official of Punjab & Sind Bank.
- Personal Data means any identifiable information relating to an employee.
- Performance Data means scorecard details, KRA-wise achievement, overall score, cohort rank, cohort percentile, dashboard information, and related performance indicators.
- Service refers to the PSB Navjyoti mobile application.
- Service Provider means any authorized person or organization processing data on behalf of the Bank.
- Usage Data means login activity, device information, IP address, access time, usage statistics, logs, and diagnostic data.
- You or Your refers to the employee or authorized user accessing the Application.
Purpose of the Application
The PSB Navjyoti application is designed to provide authorized users with convenient access to performance-related information under the Navjyoti program.
- To allow employees to view their monthly Navjyoti Scorecard.
- To display overall score, KRA-wise achievement, cohort rank, and cohort percentile.
- To provide authorized unit heads and officials with performance dashboards.
- To enable review and monitoring of unit-level performance.
- To support internal performance transparency, accountability, review, and continuous improvement.
- Unit-level performance data
- Dashboard summaries and trends
- Other information relevant to the Navjyoti performance framework
Usage and Technical Data
The Application may automatically collect certain technical and usage-related information, including:
- Device type and model
- Operating system
- IP address
- Login date and time
- Application activity logs
- Error logs and diagnostic data
- Browser or application version, where applicable
- Session information
- Security and access logs
This information is used to operate, secure, troubleshoot, maintain, and improve the Application.
Use of Your Information
Punjab & Sind Bank may use Your information for the following purposes:
- To provide access to the PSB Navjyoti mobile application.
- To authenticate authorized employees and manage user access.
- To display monthly Navjyoti Scorecards, including overall score, KRA-wise achievement, cohort rank, and cohort percentile.
- To provide authorized unit heads and officials with performance dashboards for their respective units.
- To support performance review, monitoring, reporting, and internal decision-making.
- To maintain the security of the Application and prevent unauthorized access.
- To monitor usage, troubleshoot issues, improve application performance, and maintain service reliability.
- To conduct internal audits, compliance checks, reporting, and governance activities.
- To comply with applicable laws, regulatory requirements, audit requirements, and internal policies of Punjab & Sind Bank.
Access and Disclosure of Information
Your information may be accessed only by authorized personnel based on their role and official responsibilities.
Individual employees may access their own scorecard and related performance details. Authorized unit heads and officials may access performance dashboards and consolidated or relevant performance information for their respective units.
Punjab & Sind Bank does not sell employee data.
Information may be shared internally or with authorized parties only for legitimate purposes, including:
- Performance monitoring and reporting
- Scorecard publication and review
- Audit and compliance
- System administration
- Application maintenance and support
- Security monitoring
- Regulatory or legal requirements
Role-Based Access
The Application may provide different levels of access depending on the user's role.
- Employees may view their own scorecard, KRA-wise achievement, cohort rank, and cohort percentile.
- Unit heads and authorized officials may view overall performance dashboards for their respective units.
Access to information is controlled through role-based permissions and is intended to ensure that users can only access information relevant to their official responsibilities.
Data Retention
Punjab & Sind Bank will retain Your information only for as long as necessary for the purposes described in this Privacy Policy, unless a longer retention period is required or permitted under applicable laws, regulations, audit requirements, internal policies, or legal obligations.
Performance, scorecard, account, and usage-related information may be retained for purposes such as:
- Maintaining historical scorecard records
- Audit and compliance
- Legal and regulatory requirements
- Internal reporting and performance analysis
- Security monitoring and troubleshooting
- Application improvement and service reliability
When information is no longer required, it may be securely deleted, archived, anonymized, or retained in accordance with applicable internal policies and legal requirements.
Security of Your Information
Punjab & Sind Bank takes reasonable technical, administrative, and organizational measures to protect information processed through the PSB Navjyoti application.
These measures may include access controls, authentication mechanisms, role-based permissions, security monitoring, audit logs, and other safeguards designed to prevent unauthorized access, misuse, alteration, disclosure, or loss of information.
However, no method of transmission over the Internet or method of electronic storage is completely secure. While We strive to protect Your information, We cannot guarantee absolute security.
Accuracy of Information
The Application displays information based on records and data available with Punjab & Sind Bank and systems associated with the Navjyoti program.
If You believe that any scorecard, KRA-wise achievement, rank, percentile, or other performance-related information is incorrect, You may contact the Bank through the official contact details provided in this Privacy Policy or follow the applicable internal process prescribed by the Bank.
Transfer and Storage of Information
Your information may be processed and stored on systems, servers, or infrastructure used by Punjab & Sind Bank or its authorized Service Providers.
Where information is processed by authorized Service Providers, Punjab & Sind Bank will take reasonable steps to ensure that such processing is carried out in accordance with applicable security, confidentiality, contractual, and legal requirements.
Legal and Regulatory Disclosure
Punjab & Sind Bank may disclose Your information where required to do so under applicable law, regulation, court order, regulatory direction, audit requirement, or lawful request by a competent authority.
The Bank may also disclose information where necessary to:
- Comply with legal or regulatory obligations
- Protect and defend the rights or property of Punjab & Sind Bank
- Prevent, detect, or investigate unauthorized access, misuse, fraud, or security incidents
- Protect the safety and security of users, systems, or the public
- Support audit, compliance, disciplinary, or administrative proceedings
Children's Privacy
The PSB Navjyoti application is intended only for authorized employees and officials of Punjab & Sind Bank.
It is not intended for use by children or individuals below the age permitted for employment under applicable laws.
We do not knowingly collect personal information from children through this Application.
Links to Other Websites or Services
The Application may contain links or references to other websites, portals, or services, including internal systems of Punjab & Sind Bank.
If You access any external or third-party website or service through a link, You are advised to review the privacy policy and terms applicable to that website or service.
Punjab & Sind Bank is not responsible for the privacy practices or content of third-party websites or services that are not operated or controlled by the Bank.
Future Regulatory Compliance
Punjab & Sind Bank may review and update this Privacy Policy from time to time to ensure compliance with applicable laws and regulatory requirements, including the Digital Personal Data Protection Act, 2023 and the rules framed thereunder.
This Privacy Policy may be further amended to incorporate additional provisions relating to rights of Data Principals, consent management, grievance redressal mechanisms, contact details of the Data Protection Officer, data retention and erasure requirements, personal data breach management, and other obligations applicable to Punjab & Sind Bank.
Changes to this Privacy Policy
Punjab & Sind Bank may update this Privacy Policy from time to time to reflect changes in the Application, legal requirements, internal policies, or data processing practices.
Any changes will be posted or made available through the Application, website, internal communication, or other appropriate channels.
The "Last Updated" date at the top of this Privacy Policy will indicate the latest revision date.
You are advised to review this Privacy Policy periodically for any updates.
Contact Us
If You have any questions, concerns, or requests regarding this Privacy Policy or the handling of information through the PSB Navjyoti application, You may contact Punjab & Sind Bank at:
Email: Navjyoti[at]psb[dot]bank[dot]in
