Saturday, February 20, 2016

Roll out of Internet/Mobile/SMS Banking

Copy of eMail dated 18.02.2016 from Director (CBS) to all Circle Heads
From: Director (CBS)
Sent: 18 February 2016 17:46

Subject: Roll out of Internet/Mobile/SMS Banking 

Respected Sir/Madam

I am directed to enclose Standard Operating Procedure (SOP) of Internet/Mobile / SMS Banking for circulation to all CBS Post Offices. Facilities available through these channels are also attached. These need to be pasted on the Public Notice Board of all CBS Post Offices.  

It is requested to circulate these guidelines and give them wide publicity so that our staff/agents and customers may start using these facilities. 

With regards,


Sachin Kishore
Director (CBS)
Sansad Marg,
Dak Bhavan

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 for 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
TransactionHistory                                                                                               
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 Date of birth, 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.

Standard Operating Procedure will be published soon.

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