Procedure for Internet Banking,Mobile Banking and SMS Banking in DOP Finacle
Standard Operating Procedure
Internet/Mobile/SMS Banking
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
alongwith 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 ID
and 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 intallments 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.
(iv) User has to enter the OTP received to the
registered mobile number.
(v) 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 alongwith 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.
