BOI – Net Banking Link –https://bankofindia.co.in/
Bank of India Net Banking For – ( Personal , Corporate , Global and Omni Neo Banking)
What is Internet Banking?
Internet Banking is a platform which allows you to fulfil your banking needs through a secure website
anytime, anyplace at your convenience.
What are the benefits of Internet Banking?
Internet Banking offers you a convenient way of carrying out your Banking needs without visiting the
branch. It saves your time and money, which usually get spent in visiting the branch for carrying out
such banking transactions.
What are the criteria for offering Retail Internet Banking to the customers?
Following are the criteria for offering Retail Internet Banking : How to apply for Internet Banking (Retail)?
What is the difference between Login Password and Transaction Password?
Login password will be used to enter into the Internet Banking Application (expiry period – 2 yrs).
Transaction password will be used to do Funds transfer (expiry period – 180 days)
What do I do if I forget my password?
Download the Unblock / regenerate password form from our Website. (Home Page-> Internet Banking
-> Retail -> Unblock / regenerate password). Fill in the details and submit to our branch.
Is there any facility available to unblock / regeneration of password online, without visiting the branch?
Yes. You can do unblock/Regeneration of password online if you are having debit card linked to any A/c
of the customer Id on which Internet banking is issued. Home Page-> Internet Banking -> Retail ->
Forgot Password. Input the debit card credential for validation. On successful validation, you will get
following optionI am getting the message “Invalid Login Id and Password”. What
does it mean?
This message means either of the following –
• You are inputting incorrect User ID / Login Password. OR
• Your user ID has been temporarily disabled due successive attempts of wrong password.
I have not yet received my User Id and Password?
Call at 1800 220 229 / (022) – 40919191
• Please check your communication address registered with the Bank.
• Please contact Starconnect department. Email –
I have received only Login password and not Transaction Password?
• For security reasons, Login and Transaction Password are sent on different dates in different
cover. Hence, you may not get both passwords at the same time but after a time gap.
• You have only View facility. Hence transaction password was not issued.
• For more details contact your Bank of India Branch.
I wish to avail transaction facility, but have View facility only?
Submit your request for transaction password form to our branch for generation of transaction
password.
I wish to deactivate the fund transfer facility.
Inform your Branch for deletion of transaction facility.
What type of fund transfer facility available in internet banking?
Following type of fund transfer facility available
Can I transfer fund in my PPF accounts through Internet Banking?
Yes. This facility is available to you in Retail Internet Banking, if your PPF account is linked to your
customer ID having Internet Banking. However, if your PPF a/c is not linked to your customer ID,
contact your Branch.
Can I view my TAX Credit Statement (26AS) over Internet Banking?
Yes. The facility is available to you in Retail Internet Banking.
Can I make TDR/RD over Internet Banking? Also, can I add nomination to the new as well as existing A/cs?
Yes. The facility is available to you in Retail Internet Banking, if you are having transaction facility.
Can I apply IPO through ASBA over Internet Banking?
Yes. The facility is available to you in Retail Internet Banking, if you are having transaction facility.
I am having Credit card of Bank of India. Can I check the Billed / Unbilled Transaction carried out by the credit card? Also, can I pay the credit card bill?
Yes. The facility is available to you in Retail Internet Banking, if you are having transaction facility and
having the credit card linked to the Internet Banking.
How can I make Online e-Payments ?
You need to initiate the payment by visiting to the billers site. The process is as under:
I am getting message while making e-payment “daily limit /
maximum amount limit exceeded”? What does it mean?
The message indicates that the daily limit/per transaction has been consumed. You need to submit the
limit enhancement form to the branch for enhancement in daily / per transaction limit. The limit will be
enhanced by IB Administrator on receipt of branch recommendation for the same.
I have forgotten my Debit Card pin. Is the facility for debit card pin change available in Internet Banking?
Yes. The facility is available to you in Retail Internet Banking, if you are having transaction facility. The
debit card should be linked to the A/c which falls under the same cust ID having Internet Banking.
For any further assistance email us at
You can also call us at 1800 220 229 Toll free or 022 40919191
BOI Mobile Banking App Pre-Login FAQs Introduction What is BOI Mobile?
BOI Mobile is a Bank of India Mobile Banking Application for Retail Banking
Customers. It allows you to bank anytime, anywhere through your mobile
phone. You can access your banking information and make transactions in your
Operative Accounts at absolutely free.
- Other Bank Customer can use BOI Mobile?
No. Currently its only available for BOI customers. - BOI Mobile is safe to use ?
Yes It’s completely safe. All the details entered in app will be encrypted end-toend. across all networks. - How to Download the App ?
Its available in Google play store and apple store. - Which OS version does this app support?
Any version of Android above 5.0.2 and iOS version 8.0 above is supported by
the Application.
Registration - How to register with BOI Mobile ?
BOI customer can enrol themselves for mobile banking application by
downloading the app from respective play store/App Store. - What are the type of users ?
There are two types of Users. View User and Financial user. - What is view user ?
View users can view his account Balance, Account Details, Mini Statement and
M-Passbook - What is Financial user ?
Financial users can perform all type of fund transfer related transactions
including bill payments. - How to convert from view user to financial user ?
Customer can convert himself from view user to financial user by using his debit
card credentials. This option will be available under settings menu. - If I don’t have card how to convert from view user to financial user?
You can approach your parent Branch for Debit card facility to avail the facility
of financial user. - I am getting a prompt “Sending SMS from your mobile failed” while registration.
What should I do?
Please check your mobile balance and network connectivity. Please reach us
on 1800 220 229 for further assistance.
Existing User
Re-Installation for existing users. - Can I change my mobile device?
Yes you can change your mobile. Please download and install the app from the
play store/App Store. - Do I have to follow the registration process for new device?
No Its not required Just re-activate by clicking proceed button in the first page. - Whether the registered SIM is mandatory for reactivation?
Yes Registered SIM is mandatory for new device. - I have changed my mobile number at branch but can I still use the BOI mobile
app?
Yes Mobile application will ask for the update.
Accessibility
Login - What are the various credentials used for Login ?
You can use your user id / mobile number / customer id and Login PIN. - How many times can I try with wrong login PIN?
Maximum 3 times per day. - If my user id is locked then how to release it?
You have to wait for 24 hours to auto release or approach the bank for reset.
Forgot User ID - What is Forgot User ID ?
If you have forgotten your User ID this option will be used to retrieve the User
ID from server. - What are the inputs do I need to give to retrieve the user id ?
If you are view only user you need to provide OTP. If you are transaction user
you need to provide OTP and Transactions Password - If I have forgotten transactions password or transaction password is expired
how do I reset?
If you have forgotten transactions password or if password has expired then
use Forgot Transactions Password link to reset the Transactions Password.
Forgot Login PIN - What is Forgot Login PIN ?
If you forget your Login PIN then use this option to reset the Login PIN. - What are the inputs I need to give to reset the Login PIN ?
View user can reset the pin with OTP facility and financial user needs to provide
OTP and Transaction Password.
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
Corporate Internet Banking – FAQs
What is Internet Banking?
Internet Banking is a platform which allows you to fulfil your banking needs through a secure website
anytime, anyplace at your convenience.
What are the benefits of Internet Banking?
Internet Banking offers you a convenient way of carrying out your Banking needs without visiting the
branch. It saves your time and money, which usually get spent in visiting the branch for carrying out
such banking transactions.
Who are eligible for Corporate Internet Banking?
Following are the criteria for offering Retail Internet Banking:
How should I apply for Internet Banking (Corporate)?
The Corporate ID will remain common for the all the Users in a Corporate, while their Corporate User ID
and Password/s shall differ.
What documents should I submit to the branch to obtain Corporate
Internet Banking facility?
(*to be stamped as per the prevailing rates in the state as per Stamp Act)
I have view / Tax Payment facility. Now I would like to request for NEFT/ RTGS facility. What should I
do?
Submit the Corporate Request form with correct facility (B/C/D/E/F/G) along with other supporting
documents like resolution etc. Also ensure that other
details like Mode of Operation, Address along with PIN code, Mobile no, A/c no should be in same cust ID
as mentioned in Application form etc.
I am having two users in Corporate ID. Now, I want to add two new users and delete one existing user.
What should I do?
Submit a duly authenticated and verified copy of your request to the Branch.
I am having Fund transfer facility. Now, I wish to deactivate the fund
transfer facility. What should I do?
Submit a duly authenticated and verified copy of your request to the Branch.
I am already having Internet Banking facility in Retail. Now, I wish
to Issue the same in Corporate. What should I do?
Corporate IB can be issued only to those customers having constitution Non-Individual / Company Ltd /
Partnership firms / Trust/Society/ Body Corporate.
Hence, if your constitution is one of the above mentioned type, only then Corporate Banking can be
issued. If yes, then – Submit the Corporate Request form with
correct facility (B/C/D/E/F/G) along with other supporting documents like resolution etc. Also ensure
that other details like Mode of Operation, Address along with
PIN code, Mobile no, A/c no should be in same cust ID as mentioned in Application form etc. Submit a
duly authenticated and verified COPY of your requestp>
Is there any facility for Account level access control present in
Internet Banking?
For Corporate Customer, the A/c level access control can be provided to multiple users
for accessing the specific accounts by defining the division in Corporate Request form.
Account
Number/s
Name of Division
Div. A Div. B Div. C Div. D
Customer
ID
000001111 0001301000000001 0002301000000001 0001301000000001 0045301000000001
0002301000000001 0002301000000001 0086301000000001
0002301000000001 0086301000000001
(Please refer to page 3, section 5 – Division, of the Corporate Internet Request Form)
These Divisions have to be mapped to the concerned Corporate Internet Banking User/s. (Page no 2
point No 4.b)
S
No
Name of the
User
Division
1 User A Div. A
2 User B Div. B
3 User C Div. C
4 User D Div. D
I wish to deactivate the fund transfer facility.
Inform your Branch for deletion of transaction facility.
Is there any facility for making transaction in Maker Checker
manner present in Internet Banking?
Yes, you need to define the Role / hierarchy in Point no 6 & Workflow rules in Point No 8. For example –
Map the Corporate User’s Role to their Hierarchy.
Sr No Hierarchy Role Designation
1 1 H1 Sr Manager
2 2 H2 Manager
3 3 H3 Officer
(Please refer to page 3, section 6 – Role & Hierarchy, of the Corporate IB Request Form)
Mention the Workflow Rule.
S. No. Transaction Type* From
(Rs.)
To (Rs.) Workflow Rule
1. A,B,C,D,E,F 1 500000 1 H3 + 1H2
2. A,B,C,D,E,F 1 500000 2H3
3. A,B,C,D,E,F 1 500000 1H2+1H1
4. A,B,C,D,E,F 500001 5000000 2H2
5. A,B,C,D,E,F 500001 5000000 2 H1
6. A,B,C,D,E,F 5000001 10000000 1H2+2H1
(Please refer to page 4, section 8 –Workflow Rules, of the Corporate IB Request Form)
I am operating the A/cs Jointly. Can I be issued Internet Banking to
one user with fund transfer facility?
No. If mode of operation is jointly, the Role & hierarchy (Point no 6 page no 3) & Workflow Rule (Page
no 4 point no 8) is mandatory. The transaction can be done in maker –checker manner only.
Can Funds transfer facility be extended in Partnership /Company
A/cs?
Yes, Funds Transfer facility can be extended in Partnership /Company accounts, but the facility shall be
extended in our Corporate Internet Banking
What if I have blocked my password by making three incorrect
attempts?
If you remember your Password, please submit the request for Unblock to the branch. If you want new
password, please submit the request for Regeneration to the branch. The request form for unblock /
Regeneration is already available at Branches / Corporate Internet Banking Login page.
What if I get “Invalid Login Id and Password”?
The message means either of the following –
The User ID/ Login Password being given is wrong. OR
Your, User ID have been temporarily disabled due to 3successive wrong attempts. Please contact your
Bank of India Branch or Call our Customer Care No – 1800 220 229.
What if I have not received my User Id and Password?
Please contact your Bank of India Branch or Call our Customer Care No – 1800 220 229.
What is the Difference between Login Password and Transaction
Password?
Login password helps you to enter into the Application (expiry period – 2 yrs)
Transaction password helps you to make Funds transfer (expiry period – 180 days)
I have received Login password but not Transaction Password?
For security reasons, Login and Transaction Password are sent through Speed Post; therefore they may
not reach at the same time but after a time gap. The reason may be that you had selected only View
facility.
I have received Login Password but not my User id?
Please contact your Bank of India Branch and get the User ID.
A message “No records for approval” appears whenever I log in ?
For corporate clients we have a multi-level approval process as per the rules, defined for each corporate.
‘No records for approval’ implies that there are no pending records that are to be approved.
The application does not accept my password change request?
Internet banking application is supported by Java components, which if not installed does not allow
changing the password.
How to check whether the DGFT Payment made by the customer is
successful or not?
Please contact your Branch or check the status of the transaction in DGFT Website.
Is there any facility for File upload for transferring fund in
IntraBank as well as Interbank available in Internet Banking?
Yes, this facility is available for corporate Customer only. The facility for file upload Intrabank Fund
transfer are –
Salary Upload, Vendor Credit, Dealer Debit, Upload of Credit and
Debit Transactions. For Interbank Fund transfer, RTGS/NEFT bulk upload facility is provided
to corporate customer.
How can I make Online e Payments ?
You need to initiate the payment by visiting to the biller’s site.
PLEASE ALWAYS USE NEW 4 PAGES CORPORATE APPLICATION
FORM FOR CORPORATE NET
BANKING CUSTOMERS ALONGWITH 12 PAGES ANNEXUERS !
I am unable to add new Corporate Internet Banking request
through STCON menu?
First check STCON => 1 => I (Inquiry). If the error is “Request not found”, it means that Branch had not
entered the Corporate Internet Banking request of the Customer until now. While entering new request
through STCON menu, error “Customer request already enabled” occurs, then branch has to send
scanned IOM for updation of the same.
While Login though Star-Token (Corporate User), error “Invalid
User Id or password” occurs?
while entering user id through star token (corporate), customer should enter corporateid.userid in user
id column.
Customer is unable to view his/her account in the Internet Banking.
First check CUMM/ACM menu in finacle whether the accounts are linked with the Customer Id. If the
account/s are not linked with the Customer Id, branch should add the account with the Customer Id.
Also check the status of the account whether it is freeze, dormant etc.
If the account/s are linked in finacle but still it’s not showing in the Internet Banking of the Customer,
then branch should modify the BDTM menu (require 700 work-class) in finacle with Group Seq. ID=3
(for Corporate).
Corporate ID may be in DIVISON, Please advise user wise accounts for view/transaction through
scanned IOM!
Passwords were not dispatched to the Customer’s communication
address?
First check printed date and Docket No. Status in IBSTATUS.
Please check the Customer’s name, if the name is firm/Company name, then branch has to send IOM for
“Modification of User Name (Corporate)” to Boi.Ecorporate@bankofindia.co.in.
Password Printed date is shown in IBSTATUS but Docket No. shows “NA”. Please check the Customer’s
name, if the name is the name of the firm/Company, then the password is printed but not dispatched
due to error in the name of the User. In such case, branch has to send IOM for Modification of User Name
(Corporate) to Boi.Ecorporate@bankofindia.co.in.
Customer receives the Login password/transaction password but
the new passwords do not work?
The password printed date in IBSTATUS should match with the date printed on the Login password
Pin-mailer. If the date do not match, it means that multiple login passwords were dispatched to the
Customer and only the last printed password will work. Customer should be advised to wait for the Last
Printed Login password in such case. If the last printed date in IBSTATUS matches with the date printed
on the pin-mailer, then printed 11 digit password should be thoroughly checked. The password (Login
as well as Transaction) send by us is 11 digits long, first 2 digits are alphabets in Capital letters and the
rest 9 digits are numerals. The correct format of the Login/Transaction password is BA987654321
(Example). Some of the confusing characters/digits are O (alphabet) and 0 (Zero), B (alphabet) and 8
(Eight).
Other account no. are visible to the Customers besides his/her own
account?
Wrong account balance is shown to the Customer?
While making a payment, error- “Runtime Error in ASPX” occurs?
While transferring amount, error- “Maximum amount limit
exceeded” occurs to the User.
Customer with no Hierarchy and No WorkflowIf No Hierarchy and Workflow is provided to the User and if per transaction Limit is not set for the User,
then default transaction Limits are applicable which is shown in the following table.
Transaction Type Default Per Transaction Limit
(for User with No Workflow)
Tax Payment 5 Crores
NEFT 25 Lakhs
RTGS 25 Lakhs
Third Party Transfer (within bank of India account)25 Lakhs
Payments* 10 Lakhs
Self-Transfer 50 Lakhs
*- Payments include Utility Bill Payment, Online bill payment, EPFO, Provident Fund, Ticket Booking,
Shopping etc.
In case User is making a payment above default limit mentioned in the table, then error- “Maximum
amount limit exceeded occurs to the User”.
Branch need to send “Limit Enhancement Format (Corporate)” for enhancing the limits of the Customer.
Customer with Hierarchy and WorkflowIf Hierarchy and Workflow is provided to
the User and if per transaction limit is not mentioned on page no. 3 or 4 of Corporate Four or Five pages
Application form respectively, then default transaction limit of Rs. 10 Lakhs is provided to the User.
*- Payments include Utility Bill Payment, Online bill payment, EPFO, Provident Fund, Ticket Booking,
Shopping etc.
In case User is making a payment above default limit mentioned in the table, then error- “Maximum
amount limit exceeded occurs to the User”. Branch need to send “Limit Enhancement Format
(Corporate)” for enhancing the limits of the Customer.
While transferring amount, error- “Daily amount limit exceeded”
occurs to the User.
Daily Transaction Limit is same for Customer with or without Workflow. If Daily Transaction limit is not
set for the user, then default daily transaction Limits are applicable which is shown in the following
table.
Transaction Type Default Daily Transaction Limit (for User
with or without workflow)
Tax Payment No Limit
NEFT 50 Lakhs
RTGS 1.50 Crore
Third Party Transfer (within bank of
India account)
1.50 Crore
Payments 10 Lakhs
Self-Transfer No Limit
In case User is making a cumulative payment (in a day) above default daily limit mentioned in the table,
then error- “Daily amount limit exceeded” occurs to the User.
Branch need to send “Limit Enhancement Format (Corporate)” for enhancing the limits of the Customer.
While transferring amount, error- “Monthly amount limit
exceeded” occurs to the User.
Besides per transaction and daily transaction limits, sometimes monthly transaction limits can also be
set for the Corporate. Monthly transaction limit is mentioned on point no. 6 (Page No. 3) of New
Corporate Application form or point no. 6 (page no. 4) of Old Corporate Application form. Cumulative
monthly transaction limit for Funds Transfer- is provided on “Limit Enhancement Format (Corporate)”.
-Monthly/Daily Funds transfer limits can be set for NEFT + RTGS + Bill Payment + Third Party Transfer
+ Tax Payment etc.
Branch need to send “Limit Enhancement Format (Corporate)” for enhancing the monthly limit of the
Customer.
While making payment by Customer having workflow facility,
error- “Next approver cannot approve your transaction” occurs to
the Customer.
Error- “Next approver cannot approve your transaction” may occur due to one of the following
reasons:-
1. While making payment, initiator/approver has been asked for choosing “Next approver” from Lookup
button. If User has not selected any approver i.e. “Next approver” field is blank and User clicks on Submit
button, then the above error occurs. Customer should be advised to choose Next approver while
initiating payment.
2. If Workflow limits are not properly set for the User, then the above error occurs. Branch need to
contact Corporate Internet Banking section in this regard.
3. While transaction initiated by Approver/checker instead of initiator/maker.
Branch requested for new Corporate Internet Banking passwords of
the Customer but Customer is complaining about non-delivery of
passwords.
Branch need to check IBSTATUS menu in Finacle. There are two possibilities:-
Record is available in IBSTATUS- If record is available in IBSTATUS, it means that STCON entered
by the branch is successfully uploaded in Corporate Internet Banking.
(i) Customer name is not individual- If Customer name is company/firm name then internet
banking request is rejected by the Corporate Dept.. Branch need to send “Modification of User
Name (Corporate)” IOM format to Boi.Ecorporate@bankofindia.co.in for updating the User name
and dispatching his/her passwords.
(ii) Speed Post Tracking details not available- If “Login/Transaction Password Speed Post Doc.
No” column shows “NA” and there is no issue in Customer name, then branch need to contact
Corporate Internet Banking section of CBO (Centralised Back Office) department. (iii) Speed Post
details available but User didn’t get passwords- In such scenario, check the status of Speed Post
from India Post
website (https://www.indiapost.gov.in/_layouts/15/dop.portal.tracking/trackconsignment.aspx
) and try to find out the reason for non-delivery of passwords. First of all, check the address in
IBSTATUS as padsswords will be dispatched on address available in IBSTATUS, not in
CUMM/FINACLE.
Mobile No. of the User is changed or error- “Mobile No. not
registered” occurs while making a transaction.
Branch should enter new Mobile no. details in CORPMOB menu in Finacle. Mobile no. will be
updated in IBSTATUS (or Internet Banking) on next working day in the morning.
If Mobile no. is still not updated and Customer wants to do immediate transaction, then branch
should send an IOM to Boi.Ecorporate for updation of Mobile no. of the User.
User status is “Expired” in IBSTATUS. Customer has not used
Internet Banking from a long time.
Internet banking account of the User becomes “Expired” if user did not login into Corporate
Internet Banking for more than 360 days. Branch need to send an IOM to Boi.Ecorporate for
activation of User status and regeneration of password/s. New Internet Banking password/s will
be generated and send to the Customer’s communication address available IN Cororate IB .
Customer is unable to receive Internet Banking passwords on
his/her address. On inquiry in IBSTATUS, branch finds that address
is wrong?
In spite of address updation in CUMM, new address will not be automatically updated in
IBSTATUS (or Corporate Internet Banking) as Corporate IB and Finacle are not linked, In such
cases branch has to send an IOM to Boi.Ecorporate for address updation and regeneration of
passwords if required.
Corporate customer wants to add new Users and wants to generate
passwords for them?
Branch cannot update STCON entry in Finacle, therefore it is not possible to add new Users in
existing Corporate Internet Banking account. In such cases, branches should send Full four/five
pages Corporate Application form for adding new Users. New Users details must be mentioned on
page no. 2 of Corporate Application form with facility details.
Branch sent Corporate Application form to
Boi.Ecorporate@bankofindia.co.in mentioning that Users should be
granted C/D/E/F/G facility but on inquiring in IBSTATUS, branch
finds that User/s has been granted “B-Tax Payment” facility instead
of higher facility demanded in the Application form?
If in Corporate Application form, higher facility is demanded (greater than B) but Mode of
Operation is Jointly in Finacle and Hierarchy (on page no. 3) and workflow (on page no. 4) are
not mentioned, then default “B-Tax Payment” facility is allotted to the User/s. if Mode of
Operation is Jointly in Finacle then Branches should make sure that Hierarchy and Workflow is
provided on the Corporate Application form.
“Application setup error” occurs to the Customer?
The error may occur when customer use Boi net banking thru Google.
Please always use the below steps –
Type the URL https://www.bankofindia.co.inin your address bar of the browser. This will direct
you to the Home page of the Bank Of India website.
After this, please click on Retail/Corporate link available on the page under Internet Banking
section.
BOI Mobile Banking App Post Login FAQs
My Account
Operative Accounts
What are the accounts that will be showed under operative account?
All the Savings, Current and Overdraft account will be displayed under
operative account.
How can I view Mini Statement or spending pattern of particular Operative
account?
You may click a particular account to view mini statement and spending pattern.
Can I initiate fund transfer from my operative account?
Yes, Fund Transfer facility is available
Which type of Joint Accounts will be shown under My Accounts?
Accounts having or either or Survivor/ Former or Survivor will be available under
my account.
Loan Accounts
Can I see all my loan account along with outstanding amount?
Yes
Can I see summary or statement of a particular loan account?
Yes
Can I download loan interest certificate of loan account?
Yes you can download the loan interest certificate in PDF format up to Last 10
years.
Deposit Accounts
Can I see all my deposit account along with current
balance? Yes
Can I see summary of deposit accounts?
Yes
Can I open new deposit account?
Yes
mPassBook
What is mPASSBOOK ?
mPASSBOOK or mobile passbook is yet another innovative offering from Bank
of India. This is an electronic passbook which can be used for generating your
statement of a/c.
Can I download the statement?
Yes you can download the statement in PDF format in mobile.
Can I send email of my statement?
Yes you can send email statement of your account on your email id register
with bank.
Card Services
Functionalities in Credit Card:
a. Green Pin
b. Credit Card Temp On/Off
c. Domestic On/off CARD USAGE (pos/ecom/atm)
d. International On/off CARD USAGE (pos/ecom/atm)
e. Hotlist card
f. Check recent transactions, Credit limit and available limit
g. Convert to EMI
h. Credit Card Payment
i. Credit Card billed and unbilled transaction
j. Credit card statement
k. Replacement Card
l. Check auto debit setup
Functionalities in Debit Card:
a. Hotlist/Block card
b. Temporary block
c. Generate/reset pin
d. Change pin
e. Manage Limit
f. Manage Channel
Favourite Transaction
What is Favourites ?
Favourite option is used to save the successful transaction beneficiary as a
favourite one. You need not to enter the details again for further transactions
for the same Beneficiary.
Can I delete the favourites ?
Yes it can be deleted by swiping the left side of the displayed favourite
Beneficiary nick name.
Can I view the favourites ?
Yes details can be viewed by swiping the left side of the displayed favourite
Beneficiary nick name.
Can I modify the favourites ?
No
Service Request
Cheque book request
Can I apply for chequebook request in mobile app?
Yes
How many leaves of cheque book can I apply?
For current account 50 leaves and for savings account 25 leaves.
Can I receive the cheque book delivery to my registered address?
Yes it can be delivered to the registered address.
Cheque status
How can I view my cheques status?
You can view the cheque status by entering the cheque number or by viewing
all cheques status after a particular date.
What are the various type of cheque status that are available?
The cheques status displayed are
1. Un-used
2. Passed
3. Stopped
Stop cheque
What type of cheque can I stop?
You can stop cheques that are not regularised.
Settings
Transaction Limit
What is Transaction Limit?
Transaction Limit is the maximum amount which a user can transact for a
specific period .i.e. Transaction limit facility is provided to restrict the quantum
of amount needs to be transact through Mobile application.
Can I set daily, weekly and monthly transaction limit?
Yes.
For Which transaction type can I set Transaction Limit?
Transaction limit can be set for
1. Self-account Transfer
2. Third party transfer
3. NEFT
4. RTGS
5. IMPS (Account No + IFSC)/ (MMID + Mobile)
What is the minimum and maximum transaction limit
Transaction type Per Transaction Limit Maximum Per Day
Limit Rs.
Max No of Transactions
per day
Minimum
Amt Rs.
Maximum
Amt Rs.
Self-Linked
Account
1 No Limit No Limit No Limit
Intra Bank –
3
rd Party Transfer
1 2,00,000 10,00,000 100
IMPS 1 2,00,000 2,00000 100
NEFT 1 2,00,000 10,00,000 100
RTGS 2,00,000 10,00,000 10,00,000 5
UPI 1 1,00,000
Per A/C
1,00,000
Per A/C
20 Per A/C
BBPS 1 2,00,000 2,00,000 100
Change Login PIN
What is Change Login PIN ?
User can change his existing login pin using this option.
Change Transaction Password
What is Change Transaction Password ?
User can change his/her existing Transaction Password using this option
Forgot Transaction Password
What is Forgot Transaction Password ?
User can reset his/her Transaction Password using this option
De-register, Change of Mobile Number.
What is De-register?
User can deregister himself from mobile banking application using this option
and he will no more be a Mobile banking application user
Change Language
What is Change Language ?
User can change application language using this option.
What are the languages user can set ?
1.English and 2.Hindi
Fund Transfer
Self-Account
What is Self-Account fund transfer?
This feature allows user to transfer funds between their his/her own Bank of India
accounts. Self-Link fund transfer is available among Saving, Current and
Overdraft accounts. This facility is also available to NRE customers also.
What are the conditions for Self Transfer?
You can transfer funds between accounts having registered mobile number.
Third Party
What is third party fund transfer?
This feature allows transfer of funds from your Account to another Bank of India
Customers A/C.
I am unable to transfer to Third Party with the error “Unable to process please
try again later”.
Please verify beneficiary details .In case issue persists please contact us on
1800 220 229.
NEFT
What is NEFT fund transfer?
National Electronic Funds Transfer (NEFT) is a nation-wide payment system
facilitating one-to-one funds transfer. Under this Scheme individuals can
electronically transfer funds from any bank branch to any individual having an
account with any other bank branch in the country participating in the Scheme.
What are the NEFT Transaction timings?
Monday to Saturday (Except 2nd and 4th Saturday) between 8:00 AM to 6:30
PM
What is the IFSC code?
IFSC or Indian Financial System Code is a special code given to every bank
branch in India. It is a 11 digit code with the first 4 characters being the
abbreviation of the Bank followed by a control character in the fifth place and
then the branch code will represent the last 6 characters.
How is IFSC code different from MICR code?
MICR is an acronym for Magnetic Ink Character Recognition. It is a 9 digit code
to identify the location of the bank branch; the first 3 characters represent the
city the next 3 the bank and the last 3 the branch. The MICR Code allotted to a
bank branch is printed on the MICR band of cheques issued by bank branches.
What is the minimum amount of NEFT ?
1 Rupee is the Minimum amount.
RTGS
What is RTGS fund transfer?
The acronym ‘RTGS’ stands for Real Time Gross Settlement which can be
defined as the continuous (real-time) settlement of funds individually on an
order by order basis (without netting). ‘Real Time’ means the processing of
instructions at the time they are received rather than at some later time. ‘Gross
Settlement’ means the settlement of funds transfer instructions occurs
individually (on an instruction by instruction basis). Considering that the funds
settlement takes place in the books of the Reserve Bank of India the payments
are final and irrevocable.
When will money be credited for a Beneficiary in RTGS?
In RTGS the beneficiary bank has to credit the beneficiary’s account within
two hours of receiving the funds transfer message.
What is the minimum amount for RTGS?
2 Lakh is the minimum amount.
IMPS
What is IMPS?
IMPS is an innovative real time payment service that is available round a clock.
This service is offered by National Payments Corporation of India (NPCI) that
empowers customers to transfer money instantly through banks and RBI
authorized Prepaid Payment Instrument Issuers (PPI) across India.
What are the benefits of IMPS?
Instant Available 24 x7 (functional even on holidays) Safe and secure easily
accessible and cost effective Channel Independent can be initiated from
Mobile/ Internet / ATM channels Debit & Credit Confirmation by SMS.
What are the timings for initiating and receiving IMPS remittances?
IMPS transactions can be sent and received 24X7 (round the clock) including
on holidays
Payment through IMPS Using (Mobile No. + MMID)
What is IMPS + Mobile + MMID?
IMPS Payment based on Person to Person
What is IMPS person to person fund transfer?
Customer can initiate the fund transfer by entering beneficiary Mobile Number
and MMID of any other bank customer to transact online.
What is MMID?
Mobile Money Identifier is a 7 digit number issued by banks. MMID is one of the
input which when clubbed with mobile number facilitates fund transfer.
Combination of Mobile no. & MMID is uniquely linked with an Account number
and helps in identifying the beneficiary details. Different MMIDs can be linked
to same Mobile Number.
While transferring fund through IMPS – Mobile + MMID, I am getting the error
“Kindly register for IMPS by initiating Generate MMID to proceed with the
transaction”. What should I do?
Please generate your MMID by following the below steps:
Go to My Account – Click on icon at the left of account number for which
you want to generate MMID – Click on Generate MMID.
A prompt will be displayed on screen upon successful MMID generation.
You can now successfully transfer funds through IMPS – MMID
How do I generate my MMID?
Please generate your MMID by following the below steps:
Go to My Account – Click on icon at the left of account number for which
you want to generate MMID – Click on Generate MMID.
A prompt will be displayed on screen upon successful MMID generation.
How do I view my MMID?
Go to My Account – Click on icon at the left of the account number for
which you want to view your MMID.
Can a customer link more than one account to the same mobile number?
Yes customer can link more than one account to the same mobile number.
However each A/C no. will have different MMID.
Payment Through IMPS Using (Account No. + IFSC)
What is IMPS + Account No + IFSC?
IMPS Payment based on Person to Account
What is IMPS person to account fund transfer?
Customer can initiate the fund transfer by entering beneficiary Account Number
and IFSC Code of any other bank customer to transact online.