India Post Finacle Guide for Internet/ Mobile/ SMS Banking
India post is providing
its customers the facilities of Internet/Mobile/SMS banking for which the
procedure is given below
1. Any
Post Office Savings Account customer may apply for Internet/Mobile/SMS Banking
facility. Savings Account must be standing at any CBS Post Office but not in
Extra Departmental Branch Post Office in account with CBS Post Office.
2. Account Holder
has to apply for Internet and/or Mobile and/or SMS Banking by filling
ATM/eBanking/Mobile Banking Form. If Account holder has opened savings account
after migration to CBS with proper KYC documents, there is no need for taking
fresh KYC documents. If Account holder has opened Savings Account before
migration, fresh Identity and Address proof as well as photograph has to be
taken in Annexure-II of Account Opening Form(AOF) alongwith
ATM/e-Banking/Mobile Banking Request Form.
3. This form
has to be submitted only in the CBS Post Office where account was opened or
where account is currently being operated after transfer. If a depositor of any
account standing at any CBS post office wants to apply for E/M/SMS Banking at
any other CBS Office, he/she has to first get his/her account transferred to
the same CBS Post Office by following the already laid down procedure. In such
cases CPA/SU should check the current SOL ID of the account which was
transferred either in HACCDET or HACLI menu to confirm the same before enabling
Internet/Mobile/SMS Banking.
4. Once Form along with
required documents is submitted, Counter PA will go to IES menu of Finacle to
verify signature of the applicant. If account is a Joint Account ‘B’ type, both
the account holders have to sign the form and Joint Account ’A’ type of account
holders cannot apply for these facilities.
5. Once customer’s
signatures and other documents are verified, Counter PA has to see that all the
required fields in the request form have been properly filled. Counter PA will
go to CMRC menu and click on modify option. In CIF Modification menu, Counter
PA has to click on Enable Internet banking and/or Enable Mobile Banking and/or
enable SMS banking based on the options ticked by the applicant in request
form. E Mail ID and Mobile Phone number are to be mandatorily filled by the
Counter PA. See below screen shot
6. Supervisor has
to verify the CIF modification in CMRC. After verification, Supervisor will
make entry in a Register to be maintained in manuscript in CBS SO/HO showing
following information:-
Date of apply- Date
of delivery of PIN--Savings Account No.- Customer name-Mobile Number-E Mail ID-
Signature of depositor- Initials of Supervisor
Depositor should be
told to attend same CBS Post Office after 10 working days to get Internet
Banking PIN. In case only Mobile banking facilities are applied, customer
should be told to wait for 24 working hours and thereafter M PIN can be
generated by the customer through the registered mobile number by downloading
Mobile App. CIF ID will be the Login ID, both for Interest and Mobile Banking.
In case of SMS banking, within 48 hours of applying, customer will get 4 digit
PIN through SMS.
7. CPC
Bangalore will print Internet banking PIN numbers and sent PINs to the
respective CBS Post Office by service Insured Post. CPC Bangalore should keep
sufficient stationary for PIN printing and dispatch. When any customer attend
post office for getting PIN, Supervisor will enter date of delivery in the
register and get deliver PIN mailer under signature in the register against the
entry made on the day of accepting request form. Supervisor will initial
against each entry. Customer should be told that CIF ID will be the Login ID
and Login Password as well as Transaction Password should be changed after
first login and should not be shared with anyone.
8. Facilities which
can be availed by these account holders in Internet Banking, Mobile Banking and
SMS Banking are attached. SMS Short Codes to be used by SMS Banking Account
holders are also attached.
9. Every CBS Post
Office has to paste this list of facilities and List Of Short Codes on the
Public Notice Board.
10. LOTs and
Consolidation of SB,RD,TD and PPF have been changed. A new selection criteria
"Delivery Channel ID" has been added with default value as
"BRN". When click on searcher, it shows following channels:-
BRN-Branch
Transactions
BWY- E-Banking
-M-Banking Chanel ID
SWT-ATM Channel ID
In BRN, all
counter/system transactions done for a SOL will be shown. In BWY, all
transactions done through Internet/Mobile Banking by Savings Account holders of
a SOL will be shown. In SWT, all transactions done through ATM attached with
the SOL will be shown. By default, BRN will be displayed in these LOTs and
consolidation. Any CBS SO/HO should not account for transactions listed
in BWY and SWT channel IDs. These offices can only see these reports
in case of any complaint/grievance/inquiry.
11. Only
Bangalore GPO will generate SB,RD,TD and PPF Consolidation by selecting BWY as
channel ID and putting ALL as Set ID in the MIS server for the previous working
day and account for total amount shown under different heads in the cash book
showing amount as (Through E&M Banking).One deposit and one withdrawal
voucher for the total amount (scheme-wise) has to be prepared by Bangalore GPO
and transferred to SBCO alongwith printed copy of consolidation.
12. For any
complaint regarding Internet/Mobile/SMS banking, customer has to either dial
toll free number 1800-425-2440 or send an e-mail to postatm@indiapost.gov.in.
If customer complains at any CBS Post Office, his/her complaint may be accepted
and forwarded to this e-mail ID. CPC Bangalore will handle such complaints till
further orders.
Facilities in Internet Banking
Customer has to enter:- https://ebanking.indiapost.gov.in
Customer can go through www.indiapost.gov.in and click on Customer
option in Internet Banking.
Customer Information File (CIF) number printed on the Passbook will be
the Login ID fir first login.
PIN has to be taken from Post Office where account stands after 10
working days.
View Account Summary Screen
|
Inquire on Available balance
|
View Transaction History
|
View Closed Deposit Accounts
|
Inquire on Lien Account
|
View Issued Cheques
|
View Stopped Cheque
|
View rate of interest
|
View Deposit Account Details
|
Print Transaction details
|
Online Password Generation
|
Open Time Deposit Account
|
Opening Recurring Deposit
|
View Personal Details
|
View Issued Cheques
|
View Transaction History
|
Funds Transfer
|
View Tax Deducted at Source
|
Link Accounts
|
Compose Mails
|
View Inbox
|
Sent Mails
|
View Statement
|
OTP for Authentication
|
Facilities in Mobile Banking
Customer has to download Mobile App from Google Store
Within 48 hours of applying for Mobile Banking, customer will login with
CIF ID and generate 4 digit M PIN.
Customer can login through Mobile Browser also for which URL is:-
https://mbanking.indiapost.gov.in In such a case, Internet Banking Login IDand Password have to be used.
Balance inquiry of SB and
PPF accounts of the customer.
|
Balance inquiry of RD and
TD accounts of the customer.
|
Balance inquiry of NSC
Account of the customer.
|
Balance inquiry of Loan
Accounts of the customer.
|
Mini Statement
|
Transaction
History
|
Self Fund Transfer
|
Fund Transfer to registered
payee with in DOP
|
Add payee
|
Opening of Time Deposit Account
|
Opening of Recurring Deposit Account
|
Loan Repayment in PPF account
|
RD installments funding
|
Balance Inquiry through SMS banking
|
Mini statement through SMS banking
|
Inquire status of cheques
|
Inquire balance of TD account
|
Facilities in SMS Banking
(Customer has to send Short Code through SMS at Mobile No. 925000339)
Within 48 hours of applying, customer will get 4 digit PIN through SMS.
Balance Inquiry
through SMS banking
|
Mini statement through SMS banking
|
Inquire status of cheques
|
Inquire balance of TD account
|
Process of Generation of PIN in
Mobile Banking is given below:-
Customer has to download Mobile
Banking App. Customer will be asked to Generate MPIN for login by the Mobile
Application.
(i) Customer has to enter the
CIF and then following Security questions will be asked –
1. Date of birth
2. CIF ID
(ii) When these are entered,
an OTP will be generated and send to Customers Registered Mobile Number.
(iii) User has to enter the OTP received
to the registered mobile number.
(iv) After successful validations of
above steps, user is allowed to set MPIN of her/his choice which will be login
Password to be used for M. Banking.
SMS Banking Password
SMS
Banking Password will be of 4 digit length. The Password will be sent to the
Customers Registered Mobile Number as an Alert message. This 4 digit PIN will
be used by customer along with Short code.
NOTE: IT WILL BE RESPONSIBILITY OF THE CUSTOMER TO
KEEP INTERNET/MOBILE/SMS BANKING PIN AND OTP SECRET AND NOT SHARE WITH ANT
OTHER PERSON INCLUDING POSTAL STAFF. CUSTOMER WILL BE PERSONALLY RESPONSIBLE
FOR ALL THE TRANSACTIONS DONE THROUGH THESE CHANNELS USING PIN AND OTP.
If you have any doubts or
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