inb - overview - rkn

8/10/2019 Inb - Overview - Rkn

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Variants ofCINB

1.Khata - View single branch A/cs

2.Khata Plus– View multi branch A/cs

3.Vyapaar - Transaction single Br.

4.Vistaar - Transaction multi Br.



SBI’s INTERNET B NKING

SBI offers INTERNET BANKING through

Two different Sites URL)

1. http://www.onlinesbi.com -

To the Domestic Customers

2. http://www.onlinesbiglobal.com -

To the Customers of our Foreign offices

http://www.onlinesbi.com/

http://www.onlinesbiglobal.com/

http://www.onlinesbiglobal.com/










The Site is also accessed

on INTRANET SB CONNECT)

with

http://192.168.25.53

http://192.168.25.53/

http://192.168.25.53/



• Carry out banking transactions from his/her door step

• Carry out banking activities Anytime (24x7), Anywhere

• Transfer funds instantly, resulting in effective funds

management

• Save Time• Avoid Queues

• Eliminate Paperwork

• Minimise Risk

• Keep tab on accounts at any time• Empowerment of Customer

ADVANTAGES

TO THE CUSTOMER



SBI offered INB Services from

July, 2001.

Our INB is by far one of theBest in the Country



Who is eligible for obtaining INB Facility

All Customers with proper KYC

Type of A/cs - SB, CA, OD, TL, DL,

TDR, STDR, RD, MOD, PPF

Minors – Only Viewing Rights

Joint A/cs : E or S – All

F or S – Only Former

Jointly Operated – NONE

Dr. Transactions – SB, CA & OD only.



How to obtain INB Facility

The Customer has to apply either –

At the time of A/c opening or Subsequently

Branch to active INB facility at CIF Level

& again at A/c Level

Issue PPK if available else,

Request for INB Kit from INB Deptt.

Customer to be advised to register after one EOD

By default the Customer gets View Rights.

Transaction Rights can be allotted on his request at CBS



Veri Sign Certificate

128 bit Encryption

Virtual Key Board

Login ID & Password

Profile Password

High Security Password on mobile phone for adding third partybeneficiary/ inter bank payee/ state bank group beneficiary/visabeneficiary

Transaction level Password for third party transactions, if chosen bythe customer

SECURITY FEATURES of INB



Security Features: How to verify

Verisign Certificate

https://

Lock Symbol

SSL 128 bit Encryption Virtual Key Board

SMS Password for transaction & 3rd Party set up



Security Features – Highlights (contd)

• Profile password too must be a combination of

alphabets, numerals and special characters;

minimum length of profile password too is 8

characters

• Dynamic high security password sent to the

customer on Mobile number approved by the Bank is

the third password.

• Third party beneficiaries within the Bank and other

Banks must be approved by the high security

password or by the Branch• Only after such approval, funds can be transferred to

the beneficiary account



Features of INB

1. View A/cs – Dep, Loan & PPF

2. Transaction – All Non Cash Txn

3. Requests – Specific Banking Services

4. Services – IPO, Demat

5. Utility Bills Payment

T f T i



Types of Transaction

1. Funds transfer – own A/cs

2. 3rd Party Transfer – A/cs within the Bank

3. SBI Group Funds Transfer

4. Inter Bank Funds Transfer – RTGS,

NEFT5. PPF A/c Transaction

6. Requests for :a) Demand Draft

b) Opening of new A/cc) Closure of Loan A/cd) Cheque Book Issue

7. Bills Payment : a) National b) Local



8. e-Ticketing : a) Train b) Airlines

9. e-Tax Payment :

a) Income Tax

b) Service Tax

c) State Govt. Tax

10. Payment of dues of VISA Cards (Cr. / Dr. Card)

11. Share Trading (3-in-1 A/c)

12. IPO Application

13.Payment of Fees to Educational Institute

14.Donations

15.Subscriptions – Magazines, Cable Tv etc.



Transaction Type : References

Funds Transfer : II

3rd Party Transfer : IT (SBI A/c)Inter Bank Transfer : IB (NEFT / RTGS)SBI Group Transfer : IZ

Tax Payment : IK (all Govt. Txn)Railway Booking : IG (all Gateway Txn.)

Demand Draft : IDPPF Txn : IPCharity (Donations) : IJ

Visa Money Transfer : IV

A/c Opening Request : IAChq. Book Request : IC



Account Statements

Funds Transfer

Third Party Transfer

Inter-bank Transfer

Credit to PPF A/Cs

Standing Instructions

Requests for the following:– Demand Drafts

– Cheque books

– New accounts

– Deposit renewal

– Closure of loan accounts

State Bank Group Transfer

SBI e-billpay

INB - SERVICES OFFERED

RETAIL BANKING



Direct/Indirect

Taxes

VISA Money Transfer

Verified by VISA

Foreign Travel Card

SBI Express Remit,

SBI express (GLS)

e-Rail Reservation

Mutual Funds

Investments

3 in 1 account to Trade

online for domestic/NRIcustomers

Utility bill payments/

Donations

VALUE ADDED SERVICES



Transaction Limits

with effect from Date: 07/04/2009)

Description Maximum Limit (per transaction/total)

Intra Branch Funds Transfer Rs. 10 lacs

Inter Branch Funds Transfer Rs. 5 lacs

Demand draft Rs. 5 lacs

Third Party Transfer Rs. 5 lacs

Bill Payment Rs. 5 lacsMerchant Payment Rs. 5 lacs

VISA Money Transfer Rs.25000/-(Per transaction limit)

Rs.50000/- (Limit per day per user)

PPF Rs.500/- to Rs.70000/- (Limit per day/ per account)

Direct Taxes (OLTAS) Rs.10 lacs to Rs. 2 crores (Customer-set limit)

Demat Rs. 1 crore

Donation Rs. 5 lacs (per day limit)

Akshaya (Kerala Govt.) Rs. 5 lacs (per day limit)

Phishing



Phishing

This is the most common type of security threat faced inonline banking and other online transactions

This is a form of internet piracy whereby confidentialinformation such as bank account numbers, passwords, pins,credit/debit card numbers , etc. Are gathered throughunlawful means

The most common method of phishing by sendingseemingly

genuine e-mails from seemingly

genuine e-mailids, requesting the recipients to click a link in the mail andfurnish sensitive information such as bank account numbers,passwords, etc.

The data provided will be, later on used for siphoning offfunds from Accounts, making online purchases through

debit/credit cards, etc.

Phi hi



The only way to prevent customers from being cheated

through phishing

is by creating awareness and byadvising users to report any such attempts at phishing

through the report phishing

link provided onwww.onlinesbi.com

The customers should be advised that confidential

information should be furnished only on web pagesstarting with https://

where s

stands for secured

andalso having a lock

icon with a verisign

certificate atthe bottom of the screen.

If sensitive information has been furnished by thecustomer, passwords should be changed and thirdparty/drafts limits should be zeroised immediately

Phishing…Contd

inb - overview - rkn

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