FOREWORD
Banking Industry is undergoing an evolution from Paper and Branch based banking to Digitized and
Networked banking services. Technology is the need of the hour and is a major contributor to growth and
sustainability of any organization. To stay competitive and ahead of times, business needs vibrant and
reliable IT support which can convert ideas into action capable of handling complex, composite business
processes. We also need to leverage opportunities from tech savvy and Gen 'Y' segments who are hungry
for newer concepts and ideas.
Revolution in information technology has brought about changes in the life style of masses and its impact
is more visible in the financial world. With the advent of affordable tech devices like mobile phones,
tablets etc., both Retail as well as Corporate customers want to undertake all their financial and non-
financial transactions digitally as per their convenience.
Being the pioneer Bank, Brand SBI has always endeavoured to remain responsive to the changing
environment and customer aspirations. We have not only foreseen but also made available the 'right
product and service at the right time', in conformity with world class security standards for the delight of
our customers.
We as an Organisation need to stay ahead of the competition and to provide innovative customer
friendly secure solutions to our esteemed customers. I am confident and I believe that this compilation
would enrich the knowledge base and help our frontline staff to pass on these innovative technological
products to our existing and new customers in sync with the image of our Bank as “Caring and sharing”.
It is indeed heartening that Digital and e-Commerce team at this office is proactively focussed on keeping
track of all these innovations and changes. In this process, they have come out with a revised version of
Booklet "Digital Products” encompassing the entire gamut of features of various digital products, their
complaint scenarios and redressal in a very lucid manner.
I am very much sanguine that all our staff, whether they are sales or operating functionaries will make
optimum use of this booklet resulting into manifold increase in the numbers of delighted customers
enjoying SBI's Digital bouquet of products to the fullest.
With best wishes!
Local Head Office Saloni Narayan
Lucknow Chief General Manager
Lucknow Circle
Digital Products (Updated as on 31.10.18) Digital & Transac on Banking Unit
INDEX
S.No. Particulars Page No.
Lotus & CRM Department 05
08
1. YONO
09
2. CRM 15
16
Digital & e-Commerce Department 24
26
1. RINB 29
30
2. SBI Anywhere - Personal 31
33
3. CINB 38
4. SBI Anywhere - Corporate 40
42
5. BHIM SBI Pay 46
47
6. BHIM
49
7. USSD 51
8. State Bank Collect 53
55
9. Prepaid Cards 55
55
10. SBI FASTag 55
MAB Department
1. BHIM Aadhaar SBI
2. PoS Machine
3. MOPAD
4. Bharat QR
Transaction Banking Department
1. Cash Pickup
2. e-Payment
Other Products
1. SBI Quick
2. SBI Secure OTP
3. SBI Digi Voucher
4. State Bank No Queue
5. State Bank mCash
(YOU ONLY NEED ONE)
USP :
· Seamless Omni Channel app
· Any me, anywhere 24*7 banking and lifestyle both
· Opening of Saving Bank Account (Temporarily Suspended)
· Various banking facili es like fund transfer, Opening of TDR/STDR/RD, Bill Payment etc.
· Joint Venture Products (SBI Card, SBI Life Insurance, SBI Caps, SBI General Insurance available
· Shopping and Services
· Pre-Approved Personal Loan available
· Highly secure, Green Ini a ve
TARGET GROUP :
· All tech savvy customers/non customers
· Young customers
REGISTRATION PROCESS :
· Customers having INB creden als can login in app available in Play Store, iOS Store or login at URL
h ps://www.sbiyono.sbi
· Customers not having INB creden als can create INB creden als through ATM Debit Card
FEATURES :
· Rela onship Overview :
1. My balance: Account Statement, Average monthly Balance etc
2. My Deposit: All Deposits account statements, crea on and closure of Fixed Deposit/RD, Create a
new Dream and fulfill the same as per investment.
3. My Borrowings: All Loan Account statements and details
4. My Investments: SBI Demat account can be linked or Demat account can be opened.
5. My Insurance: SBI Life Insurance Policy can be linked. SBI Life Insurance and SBI General Insurance
(PAI, Health Insurance, Motor Insurance, Travel Insurance, Home Insurance etc) can be purchased,
Premium can be paid etc
6. My Credit Card: SBI Credit Card can be linked, SBI Credit Card can be purchased, Credit Card
payment can be done etc
· Service Request :
1. ATM/Debit Card Services: New Debit Card Request, Manage Debit Card, Ac va on of Debit card,
Blocking of Debit card etc.
2. Cheque Related Service: Cheque Book request, Stop Cheque request, Revoke stop cheque request
etc.
05
· Shop :
1. Shopping can be done in different category like Mul Category, Fashion & Lifestyle, Brand Store,
Baby World, Jewellery, Pharmacy & Diagnos cs, Health & Fitness, Electronics, Home & Furnishing,
Gi ing, Grocery & General Merchandise, Read-Study-Learn, Automobiles & others
2. All big brands are here like Amazon, Shopclues, Rediff.com, Myntra, Jabong, Voonik, Nykaa, Louis
Philippe, Allen Solly, Ven Heusen, Peter England, First cry, PC Jeweller, Apollo Pharmacy, Dr Lal
Pathlabs, VLCC, Croma etc
· Book And Order :
1. Services can be booked for Travel, Hospitality & Holidays, Cabs & car rentals, Food & Entertainment
& Deals and Others
2. The big brands are IRCTC, Yatra.com, EaseMy Trip, OYO, SOTC for Holidays, Cox & Kings, OLA, Uber,
Book my Show, Swiggy for Delivery App, Sony LIV, EROSNOW etc.
· PAPL : selected customers can get pre-approved personal loan up to Rs. 2.00 lacs without signing
any documents or any branch interven on
· OD against FD : Customer can avail OD instantly against FD created through any channel – CBS/
INB/ YONO
· Auto Mall : In shop sec on Bank would be partnering with all leading Automobile majors (OEMs)
viz. Ford, Maru Suzuki, Tata Motors, Hyundai, etc. and resellers like Carwale, Bikewale etc and
these merchants will showcase their products to customers.
· Fund Transfer : Fund transfer can be done in three easy steps if customer is already added. If not, you
can pay and add the same. You can transfer the fund through UPI Pay also.
· Bill Pay : Almost all types of bills can be paid like Mobile, DTH, Electricity, Gas, Insurance Premium,
Mutual Funds, Credit Cards, Subscrip ons, Dona ons, Rental Payments etc.
· Ask SIA : This is the most intelligent feature of YONO. It is a Chatbot (Ar ficial Intelligence) named
SBI Intelligent Assistant. This is based on already saved ques ons. Ask YONO related ques on and
get solu on in simple language.
OPENING OF SB ACCOUNT (through YONO by customer)* : A link is for opening a
digital account provided on the home page of the app/URL. Two types of accounts – Digital and Insta
Saving can be opened. Illiterate, Minor and NRI cannot open these accounts.
· Digital Account: Aadhaar Card, PAN card, email ID and mobile number is mandatory A er filling all
the details and photo upload a reference number will be generated. Customer can visit any branch
for biometric verifica on. Branch will do biometric verifica on and take a single page TnC form duly
signed by customer to open account. No requirement for photo, physical copy of KYC and Account
opening form. All the formali es (CIF Number, Account Number, FATCA, CKYC, ATM Card request,
Nomina on, Signature upload, Cheque Book Request, INB Creden als) completed in single
handshake.
· Insta Account: Aadhaar Card, PAN card, email ID and mobile number are mandatory. A er filling all
the details and photo upload account number can be generated immediately without visi ng the
*A/C opening through YONO is temporarily suspended due to the latest verdict on Aadhaar
given by the Hon’ble Supreme Court
06
branch through OTP sent on Mobile number linked to Aadhaar Card. The account will have
restric ons in transac on and account balance as per RBI guidelines for OTP based accounts. No
signature based services will be provided by branch. Account need to be converted to full KYC
account within 12 months.
REGULAR SAVING ACCOUNT (Complete Branch assist mode) :
· All data will be filled in CBS-other apps-Lotus Icon- Open Regular account op on by branch staff.
Aadhaar Card, email ID and mobile number is mandatory. A er filling all the details, photo and TnC
form (and Form 60 if PAN is not available) will be uploaded. Form 60 to be uploaded if PAN Card is
not available. No requirement for physical copy of KYC, photo and Account opening form (One OVD
if correspondence address is different from Aadhaar address is also to be taken). All the formali es
(CIF Number, Account Number, FATCA, CKYC, ATM Card request, Nomina on, Signature upload,
Cheque Book Request, INB Creden als) completed in single maker/checker handshake. Accounts of
illiterate , minor and NRI cannot be opened through this op on as of now.
Support :
For any queries/sugges ons/feedback, please contact through any of the following
· Dedicated toll-free number 1800111101
· Email- [email protected]
· For Account Opening Issues 022-395457-54 to 59
· Lodge request in service desk in YONO category
07
CRM
(CUSTOMER RELATIONSHIP MANAGEMENT)
USP :
· Integra on of Sale, Service and Marke ng func on
· Convenient for Branches to track and manage rela onship with customer
Why necessary :
· CRM offers complete 360 view of any customer including banking products as well as JV products
· Enable Branch to create and track lead
· Enable controllers to monitor branch func ons
· Roll out of processing of Non-Financial Service request shortly
LOGIN PROCESS :
· Link is available to all ADS users on State Bank Times home page or login on URL
h ps://crm.sbi.co.in
· No need for separate ID and password as it is available on Single Sign on pla orm.
FEATURES :
· Customer 360 op on available to view complete profile of customer including joint venture
products
· Product recommenda on is also available in customer 360
· CRM also available on mobile app through Airwatch Agent
· All ADS users can create any lead in CRM as Branch walk-in and Referral
· Leads for product in PB, REH, SME, Agri, NRI, Cross selling products can be created
· Lead from all available sources like Analy cs, OCAS, etc flow in CRM
· BM to map role to his staff in CRM as per the responsibili es assigned to them
· All staff are required to check CRM daily for any leads/task assigned to them
SUPPORT MATRIX :
For any queries/sugges ons/feedback
· Email- [email protected]
· Lodge request in service desk in CRM applica on category
· Call support desk : 022 - 39367191, 39367193, 39367184
08
RINB
(RETAIL INTERNET BANKING)
USP :
Various banking facili es like fund transfer, opening TDR/STDR/RD, instant OD on FDs.
Facilitates online Tax payment, ITR e-filing, e-commerce, bill payment
Link PAN/ Aadhar Card, Transfer Account
Highly secure, fast and accurate
Eliminates paper work - Green ini a ve
Transac ons on real me basis (except NEFT)
Target Group : All personal segment customers
Registra on Process :
1. Customers having ATM/Debit Card : In order to improve customer experience, please ask the
customer to avail the facility of online registra on for internet banking, without visi ng the branch.
Visit h ps://www.onlinesbi.com New user registra on and complete the registra on process.
2. Customers not having ATM/Debit Card : Ask the customer to navigate to h ps://www.onlinesbi.com
New user registra on and complete the registra on process Print applica on form and visit
any SBI branch. To complete the registra on process, the following steps need to be followed at
Branch end :
Obtain duly filled Verify signature In CBS, go to screen no 67050 and
application form for and other details select option 9: Miscellaneous details
internet banking from drop down and transmit
from the customer
Customer can login Create account channel link Select access channel as
and set his username through screen no. 7082 by 2:Internet, mode of delivery as
selecting channel as Internet
and password after Banking and access allowed 'Hand delivery', input
1 hour Reference no. (available in the
as required by Customer applica on form) against the
'Internet Banking Kit No.' field &
statement frequency as consolidated
09
Features :
Category Services
My Accounts Account Summary, Account Statement, Spend Analyzer, Change Login Password, SBI
& Profile Rewardz, Profile, e-Statement, Select your Segment, Know your CIBIL Score, Update
Aadhaar with Bank accounts
Payments/ Fund Transfer : Other Payments / Receipt: Other Requests :
Transfer Manage Beneficiary State Bank Collect State Bank mCASH
Within SBI (own or Dona ons Instant Money Transfer
other accounts) (IMT)
N R I eZ Trade Funds
Outside SBI - Transfer Quick Transfer
Other Bank Transfer NPS Contribu ons
Credit Card (VISA) Issue Demand Dra
Bill Pay
Western Union Service
IMPS Funds Transfer (Receive Money)
Interna onal Funds P o w e r J y o F e e
Transfer Collec on (PUL)
Bill View/Pay Bills, Manage Biller, Payment History, SBI Life Premium, Topup Recharge,
Payments SBI General Premium
Fixed
Deposit e-TDR / e-STDR (FD), e-RD (RD) / e-SBI Flexi Deposit, e-Annuity Deposit, TDS Account
e-Tax Linking, TDS Enquiry, Interest Cer ficate on deposit A/Cs, Auto Sweep Facility,
e-Services Overdra against FD, Closing Overdra against TDR
Request & State Govt. Taxes, Indirect Taxes, Direct Taxes, View Tax Credit Statement (Form 26AS),
Enquiries Reprint Challan, Login to e-Filing/e-Verify
Update Aadhaar with Bank accounts(CIF), ATM Card Services, e-Cards, Cer ficates,
Demat Services and ASBA Services, Link your LPG ID, Social Security Schemes (PMJJBY
/ PMSBY / APY), Windows App Registra on, SMS Alerts service, SMS Banking, SBI
Group Services, Transfer of Savings Account, NRI Services, Top up buddy, Update
Buddy Wallet KYC, Online Locker, Pension Slip, My Holiday SB account, EMI for e-
Commerce, Submit 15G/15H, Form 15G/15H Enquiry, NPS Registra on, Insta Home
Loan Topup, PAN Registra on, Insta Credit Top up Loan, Sovereign Gold Bond Scheme,
Link account for Aadhaar subsidy, Cox and Kings
Standing Instruc on, Cheque Book request, Stop Cheque Payment, Closure of loan a/c,
New PPF Account, Upgrade Access Level, Online Nomina on, Sweep Crea on for CSA,
Reprint e-receipt for PPF, Reprint EPFO Challan, OD for CSP A/C, Find Transac ons,
Status Enquiry, Scheduled Transac ons, Eligible loan/withdrawal limit on PPF,
Transac on limit/Charges
10
Troubleshoo ng : Branch related Issues :
QUERY SOLUTION
1. How to get Maker/ For Lucknow Circle staff, send email to [email protected] along
with PF number, Name, Branch Code, Mobile No. and email ID.
Checker ID
for new User?
2. How many Makers and There is no limita on.
Checkers can one All Clerical Staff can be Makers and all Officers (Supervising Staff)
branch have? can be Checkers.
How to reset? Create request by going to www.inbintranet.com
3. Branch User has (Corporate Banking Sec on) Branch Login Re-issue Password
forgo en the Branch Checker can approve this request by going towww.inbintranet
password. .com (Corporate Banking Sec on) Branch LoginManage Branch User
Approve Re-issue Login Password (If Branch Checker is not available,
4. How to claim request can be approved by Circle LHO team)
INB PPKit? Login by Maker in www.inbintranet.com(Corporate Banking
Sec on) Branch Login PPKits Claim packet
5. Request has been Login by Checker in www.inbintranet.com (Corporate Banking
created by Checker. Sec on) Branch Login Approve Claim packet
Now, what can Requests made by a Checker can be approved by other Checkers
be done? of that branch.
If only one Checker ID is available at Branch, new Checker ID of any
other Officer of the branch can be created (refer Query 1).
If no other Officer is posted at the Branch, branch should send email
to [email protected] for dele on of request. (The request will be
deleted from Corporate Centre level)
Customer related Issues :
Important : For all queries related to RINB, branch should login to branch
interface www.inbintranet.com from the Personal Banking sec on
QUERY SOLUTION
1. Customer is not able INB Maker/Checker of the Branch should login at Branch Interface and go
to login for the first to Request Find User Name. If no Username is found, check in Query by
me with Username CIF op on. If some error is displayed here, rec fy the same. If no record
and Password is displayed in Query by CIF, login by Maker in Branch Interface
available in PPKit or Rec fy Mapping issues INC Request. Next, login by Checker in Branch
customer is receiving Interface Approve INC Request. Check for the user crea on a er
error message some me through Request Find User Name. If Username is displayed,
'Invalid Username ask customer to log in. If Username is displayed, but s ll customer is
or Password' receiving error message on login, ask customer to check the Username
and Password printed on the Kit. Username is all numeric (may start with
an alphabet) and password is all alphabets in capitals.
2. Customer is not INB Maker/Checker of the Branch should login at Branch Interface and go
receiving OTP to Request OTP Mode Enquiry
for INB transac ons If OTP mode is SMS, please confirm the mobile number from customer
(last 3 digits are shown there) as this is the number to which all INB
related OTPs will be sent
11
If OTP mode is Smart OTP then advise customer to generate OTP through
SBI SECURE OTP app or change the OTP mode to 'SMS' by logging to INB
and going to high security op ons in profile sec on and selec ng SMS in
op on 4
3. Customer did not login INB Maker to login at Branch Interface and go to Request Find
with new PP Kit issued Username and note down the Username and Kit no. then go to Request
to him and has now Re-issue Login Password through SMS or PP Kit mode.
lost the Kit. INB Checker to login at Branch Interface and go to Approve Re-issue
What can be done? Login Password and approve.
Advise the Username and Kit no to the customer. Customer can login with
this Username and Password of new kit issued. If system asks to enter the
Kit no. at the me of first login, customer should enter Kit no. that is visible
in Find Username op on (not the Kit no. of the new kit issued)
4. Customer has Customer can reset his login password online by going to 'Forgot Login
forgo en login Password' op on and using ATM card details or Profile password. If both
password. these op ons are not working, then branch can issue new PP Kit to
What to do? customer through Branch Interface.
INB Maker to login at Branch Interface and go to Request Re-issue
Login Password and issue a new PPKit to customer.
INB Checker to login at Branch Interface and go to Approve Re-issue
Login Password and approve.
Customer can now login with his exis ng Username and Password of new
kit issued.
5. Customer has Customer can reset his profile password online using Hint Ques on and
forgo en profile Answer. If he has forgo en Hint Ques on and Answer, he will have to
password. generate applica on for reset of profile password and submit the signed
What to do? applica on to any branch.
INB Maker to login at Branch Interface and go to Request Reset Profile
Password
INB Checker to login at Branch Interface and go to Approve Reset
Profile Password and approve.
A er this, when Customer will login to INB the next me, he will be asked
to reset the Profile Password and Hint Ques on and Answer.
6. Account has INB Maker/Checker to login at Branch Interface and go to Request Find
transac on rights Username and search the Account. If Customer Access Level is 'Hide', ask
in CBS, but is neither customer to login to his INB and go to Profile Manage Account Display
available at account Unhide Account
summary page, nor
available for debit
at the me of fund
transfer.
7. Customer receiving Branch to check Account/Channel Link in CBS through screen no. 7081. It
error message - should be 'All Access Allowed' for transac on rights and 'View only' for
'You do not have any view rights.
12
accounts mapped to 1. If Account/Channel Link doesn't exist, then create new account
this username. channel link through screen no. 7082.
Please contact
your branch'. 2. If wrong Account/Channel Link exists (e.g. Account/Channel Link is
'View only' but customer needs transac on rights), then delete the
exis ng Account/Channel Link through screen no. 7083 and then
create new account channel link with correct Access Level through
screen no. 7082.
3. If correct Account/Channel Link exists, then run 'Update Account
Details' from Branch Interface.
INB Maker to login at Branch Interface and go to Rec fy Mapping
Issues Update Account Details and create request by entering
Account no. and CIF no.
INB Checker to login at Branch Interface and go to Approve Update
Account Details and approve.
8. Transac on rights INB Maker to login at Branch Interface and go to Rec fy Mapping Issues
already provided Update Account Details and create request by entering Account no.
through CBS but and CIF no.
INB showing INB Checker to login at Branch Interface and go to Approve Update
enquiry rights Account Details and approve.
9. Account has been INB Maker to login at Branch Interface and go to Rec fy Mapping Issues
transferred from Update Account Details and create request by entering Account no.
one branch to another and CIF no.
but Branch code is INB Checker to login at Branch Interface and go to Approve Update
not updated in INB Account Details and approve.
10. On enquiry in Find 1. Please check in CBS screen no 67050 – op on 9 whether Access
Username, Error Channel and Kit no. are properly filled
message- 'No such
account no exists 2. Check if packet is claimed in Branch Interface PP Kits PP Kit Status
or the account no. 3. INB Maker/Checker of the Branch should login at Branch Interface
does not belong
to your branch' and go to Request Find User Name. If no Username is found, login
by Maker in Branch Interface Rec fy Mapping issues INC
Request. Next, login by Checker in Branch Interface Approve INC
Request. Check for the user crea on a er some me through Request
Find User Name. If Username is displayed, ask customer to log in.
11. Login or Profile INB Maker to login at Branch Interface and go to Requests Unlock User
Password of and create request.
customer is INB Checker to login at Branch Interface and go to Approve Unlock User
locked for the and approve.
day due to 3
invalid a empts
12. INB of Customer INB Maker to login at Branch Interface and go to Requests Reac vate
is deac vated. Username and create request.
How to reac vate? INB Checker to login at Branch Interface and go to Approve Reac va on
and approve.
13
13. Error message received INB Maker/Checker of the Branch can check the registered mobile no.
by customer- "Your through Branch Interface. For this, login at Branch Interface and go to
mobile no. is not Request OTP Mode Enquiry Enter customer’s Username.
registered with us. If message displayed is “The customer has done par al registra on or de-
Please note that you registra on of Smart OTP. Kindly advice customer to completely de-
cannot make register from Smart OTP by de-registering himself/ herself from the State
transac on exceeding Bank Secure App as well as from Internet Banking profile. The customer
Rs. 10,000/- without a can then re-register for Smart OTP.”, advise customer to change the OTP
registered mobile no." mode to ‘SMS’ by logging in to INB, going to high security op ons in
profile sec on and selec ng ‘SMS’ in op on 4
Escala on Matrix : Lucknow Circle contact (for staff only):
Email ID - [email protected] |Landline – 0522-2295164 |Mob. no. – Shri R. L. Pareta – 9161665111
14
anywhere
PERSONAL
USP :
Convenience of banking anywhere, any me, on 24 x 7 basis
Various banking facili es like fund transfer, opening TDR/STDR/RD
Highly secure, fast and accurate
Eliminates paper work - Green ini a ve
Transac ons on real me basis (except NEFT)
Target Group : For all personal segment account holders
Registra on process :
1. Exis ng Anywhere/ INB user: One me registra on is required before log in using exis ng INB
creden als. Please enter ac va on code received on registered mobile no., for authen ca on.
2. Exis ng Freedom user: Use freedom creden als to create new INB username and password. Also set
profile password and hint ques on to complete registra on. Please enter ac va on code received
on registered mobile no., for authen ca on.
3. New user-
If customer has ATM/debit card: Enter the required details Authen cate with ATM/debit card
creden als Obtain temporary Username Create Password. Now, go to Exis ng Anywhere/
INB user Login using temporary Username and Password Create new Username and
Password
If customer does not have ATM/debit card: Register online on www.onlinesbi.com and visit
branch with signed applica on form generated on registra on.
App Features :
1. My Accounts: Accounts Summary, Mini Statement, mPassbook, Statement Download, e-Statement
Subscrip on
2. Fund transfer: Self and other accounts (Within and Outside SBI), Quick transfer, mCash,
Add/Manage Beneficiary
3. e-Deposits: Open FD/RD/MOD, Premature Closure, eDeposit Enquiry, Change Maturity Instruc on
4. Top-up and recharge: Mobile and DTH recharge, Top up of State Bank Wallets andPrepaid Cards
5. Bill payments: View and Pay Bills, Postpaid Bill Payments, SBI Life premium, Credit Card Visa transfer,
Add and Manage Billers, Manage Scheduled Bills and check Bill Payment History
6. UPI: Make Payment, UPI Payment History, Dispute Status
7. Requests: Aadhaar seeding and LPG linking, Get/Cancel MMID, Cheque Book request and Stop
Cheque Instruc on, TDS enquiry
8. Services: Debit card Hotlis ng, Manage Debit Card, Standing Instruc on, State Bank Virtual Card,
Online Nomina on, Transac on Status Enquiry, Transac on Limits & Charges, Submit 15G / 15H
9. Quick Transfer: Send and Receive Money
Escala on Matrix : Lucknow Circle Contact (for Staff only)
Email ID – [email protected] |Landline – 0522-2295164
Mobile No. – Shri R. L. Pareta – 9161665111
15
CINB (CORPORATE INTERNET BANKING)
CINB is a web-based u lity for corporates (all non-personal customers such as Proprietors, Companies,
Firms, Trusts, Govt. Departments etc.) to manage their accounts online (view and/or transact)
Variants :
Rights KHATA SARAL KHATA PLUS VYAPAAR VISTAAR
Issued On Enquiry Transac on Enquiry Transac on Transac on
Issued From CIF CIF Account Account Account
User CBS Access CBS Access www.inbintranet. www.inbintranet. www.inbintranet.
Mode Of Channel 9 Channel 10 com com com
Opera on Single Single Mul ple Mul ple Mul ple
Accounts Single / E All Modes
Admin or S Single / E or S All Modes Any CIF One All Modes
Branch
Beneficiaries One CIF One CIF Any CIF Any Single Any CIF Any
Branch Branch
Txn N/A N/A Mul ple Mul ple Mul ple
Processing Beneficiaries Can Mul ple
Txn Amount 10 In A Day, N/A Be Added In A Day Beneficiaries Can
Effec ve A er By Administrator Be Added In A
Tax Txn N/A 4 Hours, Limit Day By
Supplier 5 Lac For First Maker / Checker* Administrator Or
Payment 4 Days Authorizers
State Bank 50 Lacs Per Txn
Collect N/A Single Session N/A Maker / Checker*
File Upload 2 Crores Per Txn
N/A 10 Lacs Per N/A 2000 Crores Per
Available Day N/A 50 Lacs Per Txn Txn
Roles N/A 10000 Crores Per
N/A 2 Crores Per Available Txn
Forms Day Available 2000 Crores Per
Required Txn
N/A 25 Lacs Per Administrator,
Most Suitable Day Enquirer, Maker, Available
For Authoriser,
N/A N/A Available Uploader Available
Regulator,
N/A N/A N/A C1,C3,C4,C5 Administrator,
Enquirer, Maker,
N/A N/A Administrator, Authoriser,
Enquirer Uploader, Super
Enquirer, Auditor
Khata Saral C1,C3,C4,C5
C1,C2,C3,C4,C5
Banks,
Govt Proprietorship, Religious Security Service, Sugar Mill,
Offices, Partnership Organisa ons, Company Company Doing
Trust, Firm (Having School, College, Distribu ng Heavy
Customer Single/ E Or S University, Salaries Transac ons
Frequently Mode of Department
Asking opera on), Doing
Statement Petrol Pump, Recruitment,
Of Gas Agency Hospital, Traders
Accounts doing Online
Business
*In Maker/Checker System, transac ons created by one are to be authorised by other person. Same
person cannot create a transac on and then authorise it.
16
Note :
· Khata Plus can be Upgraded to Vyapaar/Vistaar and Vyapaar can be upgraded to Vistaar.
· Passwords of Administrator and Regulator can be reset / reissued directly by Branch. For other
users, Requests are to be made through Administrator.
Registra on Process for Khata and Saral (CBS based) :
1. Applica on forms are available in the home page of Branch INB interface as well as in the CINB
home page.
2. For new customers (CIF not yet created)
a. Customer Management Create Create Non Personal Customer
b. In the field "Request for INB" select 'Yes' from the drop down
c. Select Customer type as "09: Khata Customer" or "10:Saral: Corporate Internet Banking" as per
the applica on received. Select appropriate mode of delivery.
3. For exis ng customers (CIF already exists)
a. Customer Management Amend Customer Details (SCR: 067050 CIF: Change Details)
b. Enter customer number (CIF number), Select Op on 9: Miscellaneous Op ons in the 'op on'
field and Transmit.
c. In the next screen, select Access Channel as '09: Corporate Internet Banking (Khata)' for Khata or
'10:Saral: Corporate Internet Banking' for Saral facility.
d. If a Khata customer desires to avail Saral facility, change Access Channel accordingly. Also, to
give transac on rights, go to Deposit CC/OD Create Account Channel link
Once the Customer is able to login successfully with the Saral Username and Password, Branch
can deac vate the Khata facility through Branch INB interface. Login Corporate Deac vate
Deac vate Corporate Deac vate Khata / Saral Enter the Username or Account number.
A er approval by the INB Checker, Khata facility will be deac vated.
Registra on Process for Khata plus, Vyapaar and Vistaar (branch INB interface
based):
1. Minimum one INB Maker and one INB Checker should be available at the Branch.
2. Corporate customers can apply for CINB Vyapaar, Vistaar or Khata Plus facili es by online or offline
modes
a. Online applica on- Customer can go to h ps://www.onlinesbi.com/ 'New user Registra on'
under Corporate Banking Select appropriate product Fill registra on form Print and
submit to Branch duly signed by the Authorized signatories/ appropriate authori es
b. Offline applica on- Prefer online applica ons, otherwise get the duly filled applica on from the
customer at the Branch. Rela ve forms are available at h p://www.inbintranet.com/
branch_forms.html
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CINB - C1 : Registra on of Corporate
CINB - C2 : Registra on of Regulator (for Vistaar only)
CINB - C3 : Registra on of Administrator
CINB - C4 : Terms and Condi ons
CINB -C5: Board of Resolu on accompanied with a le er for proposed mandate for CINB
transac ons (mandate should be same as opera onal through CBS)
3. Login from INB Maker at h p://www.inbintranet.com in Corporate Banking login area and go to
Corporate Create Corporate.
a. If customer has registered online, select ‘Online Registra on’ op on and enter the reference
number available on the form submi ed by the customer. All the details will be pre-filled.
b. If you have obtained offline applica on, select ‘Branch Registra on’ op on and fill up the details
as per Forms C1, C2 and C3.
Note : Wherever PPKit required bu on appears, select ‘No’.
4. Login from INB Checker at h p://www.inbintranet.com and go to Approve Approve Corporate
and Approve the Corporate, Regulator and Administrator as applicable. Note the Corporate ID in all
the forms.
5. On approval by INB checker, Administrator will receive temporary Username as SMS and has to go
to www.onlinesbi.com Corporate Banking sec on Select Khata Plus/Vyapaar/Vistaar as
applicable Click on New User Ac va on link and create temporary password. Now, administrator
has to login and create Users. Go to Manage Roles Users Add and Create the Users, as per mode
of opera on (one addi onal user is required to act as Maker). Print Form C-7 for each user and
submit to Branch.
6. At Branch end, INB Maker will go to Corporate Create/Amend Corporate Users Ac vate New
Corporate User Enter Corporate ID and click on go. INB Checker will go to Approve Approve
New Corporate User Enter Corporate ID and click on go. On approval, the User will get SMS of
temporary User ID.
7. All the Users have to go to www.onlinesbi.com Corporate Banking sec on Select Khata
Plus/Vyapaar/Vistaar as applicable Click on New User Ac va on link and create temporary
password. Now, user has to login and create Profile and Transac on Password. For crea ng
transac on password, go to Profile Change Password.
8. Once the Users have successfully logged in, the Administrator will go to Manage Accounts Access
Rights Add. Give the suitable rights to each User for each account. Enquirer can see the account
and download the statement of Account. Maker can do the role of Enquirer and create the
transac ons. Authorizers have full powers including authoriza on of transac ons. Authorizers
must be the signatories with mandate to operate the account.
9. The Administrator can create rules similar to mandate for manual transac ons, by naviga ng to
Manage Accounts Rules Add. Submit the print out of rules created to the Branch duly signed by
all signatories.
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10. The Branch must verify that the rules are similar to the manual mandate. INB Maker will go to
Corporate Verify Rules. INB Checker will go to Approve Verify Rules.
11. Check 'Pos ng Restric ons' in the account. CBS Screen No. 7050 Select 7- Pos ng Restric on 5-
Debit Other Transac on. It should be 0 (Zero).
Features :
Apart from regular Internet Banking facili es such as fund transfer, account statement etc., CINB offers
the following features :
1. File Upload Facility- To facilitate bulk transac ons
2. Tax Payment- such as Direct (OLTAS), Indirect (CBEC, Customs), State Government Taxes
3. e-Collec on Facility- for collec on of receivables from their dealers
4. Direct Debit Facility (Vistaar)- Corporate (Supplier) can directly debit the accounts of their
dealers maintained at SBI branches at different loca ons
5. Online Auditor (Vistaar)- for taking a quick second look at the transac on and post-facto audits
6. MIS Reports (Vyapaar & Vistaar)- as per the specific requirement of the Corporate
7. PKI Based Security- facility to Upload Files using digital signature
8. Upgrade from Khata plus facility to Vyapaar or Vistaar and from Vyapaar to Vistaar
Troubleshoo ng :
Important : For all queries related to CINB, branch should login to branch interface
www.inbintranet.com from the Corporate Banking sec on
QUERY SOLUTION
1. New account has been
Every account needs to be mapped to the Administrator.
opened but is not visible INB Maker should login and go to Corporate Edit Administrator
to Corporate Users Enter the Corporate ID and add the new account.
OR Next, the INB Checker should login and go to Approve (under
How to add another Corporate Specific) Approve Admin Map/Unmap accounts Approve.
account to a Corporate? Administrator should go to Manage Accounts Access Rights
Add. Give the suitable rights to Users for the new account and create
2. Corporate Authorizer rule for the account to enable transac ons. Branch has to verify the
receiving Error message rule (refer query 16). Once rule is verified, transac ons can be
– 'No authorizers for this performed using the new account.
account for xxxx This error is received when either the rule is not created or rule is
debit amount' created for amount less than that of the transac on made.
In this case, Administrator needs to create rule for the account with
3. Corporate user required amount. Branch has to verify the rule (refer query 16). Once
receiving error rule is verified, transac ons can be performed using the new account.
1. Ask Corporate Administrator to login and enable the required
Merchant through op on Manage Beneficiaries Merchant
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message 'You may Select Merchant Type Select required Merchant Name “XXXX”
not have the Merchant e.g. “Andhra Pradesh Pollu on Control Board” from the Drop down
Payment Limit to make under Others/Travel/Educa on/Municipal Corpora on/Pollu on
the payment. Kindly Control Board, as the case may be and click on Enable.
create and authorize a 2. Therea er, ask user having Maker rights to login and create
Merchant Payment required Merchant Limit through op on Manage Transac ons
Limit for this merchant. Manage Merchant Transac on [ a pop up will be displayed as
Please ensure that "Dear Customer, You will be redirected to State Bank merchant
your admin has portal and you have to re-login with your creden als, Please
enabled this merchant confirm!" ] click on OK. Maker will be redirected to new URL:
for payment' h ps://merchant.onlinesbi.com/mercorpuser/login.htm. Click on
Con nue to Login Enter your user creden al again and Click on
Login Select Merchant Limit and proceed further.
3. Now, ask user having Authorizer rights to login and Authorize the
merchant limit from op on Manage Transac ons Manage
Merchant Transac on [ a pop up will be displayed as "Dear
Customer, You will be redirected to State Bank merchant portal and
you have to re-login with your creden als, Please confirm!" ] click
on OK. Authorizer will be redirected to new URL:
h ps://merchant.onlinesbi.com/mercorpuser/login.htm. Click on
Con nue to Login Enter your user creden al again and Click on
Login go to Merchant Limit Authorize Inbox.
4. Now, the Authorizer who authorized the Merchant Limit need to go
to the Merchant Website and make the payment directly.
Note : The Merchant Payment Limit is Valid only for 48 hours for
making payment. New limit can be created a er the old one has
expired.
4. Corporate Regulator In case Regulator has forgo en his Username, login as INB
has forgo en his Maker/Checker, go to Corporate Find Regulator
username.
5. Corporate Regulator/ On receipt of request from customer, INB Maker should login and go to
Administrator has Requests Re-issue Login Password Select User Type as Corporate
forgo en his password. Select the role
How do I re-issue For Administrator: key in the account number/username of
login password? Administrator & re-issue Login Password through SMS or PP Kit mode.
For Regulator: key in the username for Regulator & re-issue Login
Password through SMS or PP Kit mode.
Next, INB Checker should login and go to Approve (under Common)
Re-issue Login Password Select Corporate Select the name of the
user and Approve.
6. Corporate User has No ac vity is required from Branch end.
forgo en the login Administrator should ini ate the request by logging into
password; how do I www.onlinesbi.com. Go to manage Roles Reset/Re-issue
re-issue login password? Password Login Password Select User and click on Dispatch.
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7. Corporate Administrator Once administrator ini ates the request, SMS would be sent to
has forgo en his Profile respec ve user on his/her registered mobile number in which request
Password. How can he reference number will be provided.
get it? User can reset the login password through op on 'Trouble Logging"
available on the bo om of the CINB Login Page.
8. How to reset the
profile password On receipt of request from customer, INB maker should login and go
of Corporate user? Corporate Reset Corporate Password Select Profile Password
Input the Corporate Id, select the role appropriately and proceed.
9. How to reset the Next, INB Checker should login and go to Approve (under Corporate
transac on password Specific) Approve Corp Profile/txn pwd resetSelect Profile
of Corporate user? Password Select the Corporate ID from the list Approve
10. Corporate Administrator No ac vity is required from Branch end.
and/or Regulator have user should ini ate the request by logging into www.onlinesbi.com.
been transferred. Go to Profile tab and click on forgot profile password.
How to change them? Next, Administrator should approve the request by logging into
www.onlinesbi.com. Go to Manage Roles Reset/Re-issue Password
11. Corporate wants to Profile Password Select User and submit
upgrade CINB from Once Administrator approves the request. User will be prompted to
Vyapaar / Khata plus set Profile Password on next login.
to Vistaar
User has to submit form C7b reques ng for the same (Form C7b will
be generated from Administrator end). INB Maker should login and go
to Corporate Reset Corporate password Select Transac on
Password Enter the reference number and Submit.
Next, INB Checker should login and go to Approve (under Corporate
Specific) Approve Corp Profile/txn pwd reset Select Transac on
Password Select the name of the user and Approve.
User can set new transac on Password by naviga ng to Profile
Change Password
On receipt of request and applica on in Form C3 (for
Administrator)/C2 (for Regulator), the INB Maker should login and go
to Corporate Replace Admin/Regulator: Enter the Corporate Id and
select the appropriate role. Replace the old admin/regulator name
and contact details with those of the new incumbent. Enter a new kit
number and submit.
Next, the kit has to be ac vated by an INB Checker of the branch. For
this, go to Approve (under Corporate Specific) Ac vate Kits.
Old Admin/Regulator gets deac vated automa cally; the new
incumbent can login immediately.
On receipt of all the relevant forms, INB Maker should login and go to
Corporate Upgrade Corporate Enter the Corporate ID Select
upgrade to Vistaar / Vyapaar.
Next, the INB Checker should login and go to Approve (under
Corporate Specific) Upgrade Corporate Approve.
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12. Customer has submi ed Please note that if a Corporate is upgraded to Vistaar, Regulator has to
the C9 form to branch, be mandatorily created.
How to approve?
INB Maker should login and go to Corporate Approve Corporate
13. A packet of PP Kits Mobile Registra on Enter the C9 reference number Enter the
has been received at mobile number and Submit.
branch. What is to Next, INB Checker should login and go to Approve Corporate
be done? Specific Approve Corporate Mobile Registra on and Approve
14. Customer already has INB Maker should login and go to PP Kits Claim Packet. Enter the
Khata issued to him packet number, any one kit number from the packet and confirm.
but now wants to Next, INB Checker should login and go to Approve (Common) Claim
avail Saral. Packet Approve.
Kit should be issued to customers only a er claiming the packet,
15. Corporate user has otherwise it won't work.
submi ed C7 form,
what next? INB Maker will go to Corporate Create/Amend Corporate Users
Ac vate New Corporate User Enter Corporate ID and click on go.
16. How to verify rules? INB checker will go to Approve Approve New Corporate User
Enter corporate ID an click on go. On approval, the User will get SMS of
17. User is not able to temporary User ID.
login as the status of User should go to www.onlinesbi.com Corporate Banking sec on
the user is inac ve Select Khata Plus/Vyapaar/Vistaar as applicable Click on New User
Ac va on link and create temporary password. Now, user has to login
18. How to unlock the and create profile and Transac on Password. For crea ng transac on
username? password, go to profile Change Password.
INB Maker should login & go to PPKits Map Kit to Corporate Enter
the Corporate ID Select the reference number Map a new kit
number and Confirm.
Next, INB Checker should login and go to Approve Ac vate Kits
Enter the Kit number and Ac vate.
INB Maker should login and go to Corporate Rules - Verify/Modify
Verify Rules Select Corporate name Select Account Number
and Submit. In the next screen, select the rule to be verified, enter the
Transac on Limit and click on Verify.
Next, the INB Checker should login and go to Approve (under
Corporate Specific) Verify Rules Select Corporate Name Select
Account Number Select the Rule to be verified Enter the
Transac on Limit and verify.
INB Maker should login and go to Requests Reac vate Username
Select the User Type Enter the User Name and Submit.
Next, INB Checker should login and go to Approve (under Common)
Reac va on and Approve
INB Maker should login and go to Request Select Unlock User
Select User Role Enter Username Select Login Password or
Profile Password Submit.
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19. E-pay order number Next, INB Checker should login and go to Approve (under Common)
failed with error Unlock user
message 'pos ng
restric ons made Pos ng restric ons have to be removed.
by branch' 5-Debit Other Transac on should be 0.
20. Error message You are requested to look into
'ERROR--BEYOND i. Account level limit
CUSTOMER LIMITS ii. Facility level limit
-error code- 0772 in iii. customer level limit and also the limit expiry date.
CORE' The INB system allows the transac on only when adequate
space/limit is available in all the above three level limits and the limit
expiry date is greater than the transac on date. If the account is drawn
over and above limits at the instant of making payment through INB,
the system will show this error. Please verify overall posi on of
advances in screen no.62027.
If the problem s ll persists please take a screen shot of customer level
limit summary (screen 62027) at the me of transac on failure and
then send it to CORE team (service desk) to enable them to analyze the
problem further.
Note: 'Deac vate Corporate Admin' op on should be used with utmost care only if the Administrator
has been created by mistake or the Corporate has specifically asked for deac va on of the
Administrator. This will permanently deac vate all the Users and Beneficiaries created by that
Administrator. Corporate Admin, once deac vated, cannot be reac vated.
Escala on Matrix : For Staff: Lucknow Circle contact (for staff only):
022-27579861 Email: [email protected]
For Customers: Contact No. : Shri R. L. Pareta - 0522-2295164
022-27566067
022-27579841
23
anywhere
CORPORATE
USP :
· Saral Users can access this applica on using their exis ng Corporate Internet Banking username and
password
· Corporate Enquirer, Maker and Authorizer can access this applica on with their exis ng Corporate
Internet Banking Username and Password
· Corporate Users will be able to ini ate single debit/single credit transac ons through 'State Bank
Anywhere-Corporate' App
· Corporate Authorizers will be able to authorize both single debit/single credit and single
debit/mul ple credit transac ons including file based transac ons
Pre-requisites :
· A smartphone with Android (OS 2.3 or above)/iOS/Windows
· Internet connec vity
· Valid Username and Password of CINB Enquirer/Maker/Authorizer
Features :
For Saral Users
1. Account informa on
Account Summary
Account Enquiry (detailed, in user given range) and Mini Statement
2. Banking
Funds Transfer (Own Acc)- Fund Transfer between own Accounts
Intra Bank (Within Bank)- Transac on within SBI
Inter-Bank - NEFT
EPF Payment
Payment to supplier
Open Fixed Deposit <Rs 1 Cr.
Bill Payment (with bill & without bill)
Scheduling of Bill Payment
Mobile Top-Up
DTH Recharge
Recharge Enquiry
For Vyapaar, Vistaar and Khata Plus users
Account informa on :
· Account Summary
· Search and view account details
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· Manage and view Favourite Accounts
For Corporate Makers and Authorizers :
Ini ate Payments:
· Fund Transfer to own account
· Fund Transfer to other SBI account.
· Inter Bank Fund Transfer through NEFT
· EPF Payment
· Supplier Payment
· Bill Payments
· Fixed Deposit
For Corporate Authorizers :
Authoriza on :
· Authorize e-Cheque
· Authorize e-TDR/e-STDR
· Cancel e-Cheque
For Corporate makers and Authorizers :
Enquiry :
· Query By e-Cheque No
· Query By e-TDR/e-STDR
25
Pay
USP :
1. For real me money transfer directly from bank account to beneficiary's account without adding
beneficiary (INB requires beneficiary addi on)
2. Mul op ons of money transfer, using any of the following beneficiary details:
a. VPA (Virtual Payment Address) b. QR (Quick Response) Code
c. Aadhaar number d. Account no+IFSC
3. Mul ple accounts in mul ple banks can be linked for fund transfer and balance enquiry
4. No transac on charges
5. App can be used by both consumer and merchant.
Target Group : Account holders of any UPI enabled bank
Pre-requisites :
1. Mobile - Android 4.2 and above, with internet connec on
2. Mobile number present in the android handset should be registered in Bank account
3. Bank account should be in single name (Accounts having joint mode of opera on, even 'E or S' are
not allowed)
4. Valid email address
5. Details of ac ve ATM/debit card linked to the account required for UPI PIN set up
Download and install BHIM Select correct SIM Enter Name in Personal
SBI Pay App from Google and verify mobile detail tab (check if mobile
Play Store or App Store
number number linked to Bank
account is being displayed)
In Security and Recovery tab, create Enter VPA or select Enter Bank name and
6-digit App PIN, enter email ID or from select Account
alternate mobile number, select
the suggested VPAs in Account detail tab
security ques on and enter answer*
Now, 'UPI Registra on Sign–in using Set UPI PIN for
Successful' screen will be 6-digit PIN# transac on account using
All accounts linked to
displayed. Enter the registered mobile debit card details
Promocode^ if required & number are displayed on
select Validate bu on on the home screen
bo om le of screen
*Security ques on and answer are required to reset App PIN in case it is forgo en.
^Promocode format is as per the campaign running at the me. Please refer latest circular for details
#For merchant registra on, select 'I'm a Merchant' op on available on the home screen, enter the
required details and submit (currently available for Android only)
26
App Features :
Home Screen
1. 'Pay'- Payment op ons using :
· Virtual Payments Address(VPA)
· Account no. + IFSC
· Aadhaar number of beneficiary (must be seeded in account)
· QR code (Scan and Pay)
'Pay From' details- Default VPA and account number (can be changed)
2. 'Scan QR' - Scan and Pay
3. 'Collect'-Collect funds from VPA (amount and expiry can be entered) or QR code. The VPA and
account to which funds are being collected is displayed.
4. 'History'- View the history of all transac ons performed through the App
5. 'Account'- Mul ple accounts in mul ple Banks can be added. Default account can also be selected.
Top le corner menu
1. View Profile-
Default VPA (new VPA can also be created)
QR code, that can be downloaded or shared
Personal details such as name, mobile number, alternate mobile number and email ID
2. My Accounts- All linked accounts are displayed, UPI PIN can be set, reset or changed.
3. Transac on history- List of all transac ons through the App
4. Beneficiary management
Note : In case of Merchant Registra on, op on to switch between Customer Mode and Merchant
Mode is available in the top le corner menu.
Transac on Limits :
Rs. 1,00,000/- per transac on & per day
20 debit transac ons per day
Troubleshoo ng :
1. In case mobile number is not ge ng fetched, please check that there is sufficient balance in
customer's SIM for sending SMS.
2. In case of Dual SIM phones, if correct SIM number is not ge ng fetched by the App, please ensure
that the default SIM for sending SMS is selected as the SIM of the bank registered mobile number.
3. In case of issues in se ng UPI PIN, like non receipt of OTP or receiving message 'Invalid card details',
kindly ensure that the correct account linked to the ATM/debit card is selected.
4. In case of errors messages like 'Unexpected State' and 'Communica on Error', please check the
internet connec on and try again.
5. In case of rooted mobile phones, the installa on would not be possible due to security issues in the
mobile handset.
6. In case of errors like 'Account linkage not allowed as per bank policy', 'Transac on not permi ed to
the account' or account number not ge ng fetched i.e. no account being displayed in the 'Default
account' drop down list, please check whether customer has ac ve ATM card (At least one debit
transac on should have been performed using this card) the account should have 'Single' mode of
opera on. Minor Accounts are not allowed for registra ons.
27
7. 'Forgot Password' on the login screen can be used in case the user forgets login password. Registered
email address and answer to 'Secret ques on' will be required.
8. UPI PIN can be reset by Account Management Set UPI PIN ATM/debit card details.
9. In case user account is debited and beneficiary account is not credited, the amount is normally
refunded within 2-3 working days.
Escala on Matrix :
· Mail at [email protected] with transac on reference number
· Go to Transac ons history, select transac on, click on raise dispute bu on, enter the details &
submit.
Lucknow Circle Contact :
For any installa on related issues, kindly drop a mail at [email protected] with complete details
of the problem faced along with screen shots wherever possible. (for Lucknow Circle Staff only)
28
App for Cashless Payments
USP :
1. For real me money transfer directly from bank account to beneficiary without adding beneficiary
(as required in INB)
2. Many op ons of transferring money, using any of the following beneficiary details:
a. VPA (Virtual Payment Address)
b. QR (Quick Response) Code
c. Aadhaar number
d. Mobile number (registered at BHIM)
e. Account no. + IFSC
3. Mul ple accounts in mul ple banks can be linked for fund transfer and balance enquiry.
4. No transac on charges
5. App can be used by both consumer and merchant
Target Group : Account holder of any UPI enabled bank
Pre-requisites :
1. Mobile OS - Android 4.2 and above, with internet connec on
2. Mobile no. registered in the account should be in the android handset
3. Valid email address
4. Details of ac ve ATM/debit card linked to the account required for UPI PIN set up
Registra on process :
Download and install Select Language, press next Create login
BHIM App from and allow App to send SMS passcode (4 digits)
Google Play Store for mobile no. verification
(choose correct SIM)
Select “I AM A MERCHANT” Set UPI PIN – Enter required Select bank and
option from menu at top ATM card details: App will fetch account
right corner of screen and fill OTP, create UPI PIN (6 digits)
required details#
#In case of merchant registra on
Transac on Limits (applicable per bank account) :
· Rs. 20,000/- per transac on
· Rs. 40,000/- per day
Complaint Matrix :
NPCI Contact : For SBI customers :
Email at [email protected] Email at [email protected] (Share the 12 digit
Call at 022-454147-33/40 Transac on ID)
29
USSD
USP :
Avail banking services without internet and smartphone
Target Group : Any bank account holder
Pre-requisites :
1. Mobile number should be registered with account.
2. Details of ATM/debit card linked to the account are required for UPI PIN set up.
Registra on Process :
SMS “MBSREG <space> Account Number” to Dial *99# from
9223440000 from registered mobile number registered mobile number
Go to 'My Profile' sec on, select 'I am a Merchant'* · Select Language
op on and enter the required details · Enter Bank Details
· Select Account No.
*In case of merchant registra ons · Set UPI PIN using debit
Features : card details
1. 'Send Money' through
Mobile number
Aadhaar number
Payment address
Saved Beneficiary
IFSC+Account no.
2. 'Request Money' using Mobile Number or Payment Address
3. 'Check Balance' using UPI PIN
4. View 'Pending Requests' sent through 'Request Money'
5. View 'Transac ons' history
6. Set/change 'UPI PIN'
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Benefits for receiver :
1. Collect online payments such as fees, dona ons etc.
2. No need to maintain a website
3. Facility of integra on with pre-exis ng website (site-to-site integra on)
4. Pre-popula on of payer par culars and amount
5. Avoid poten al risks of forged notes/cash shortage/cheques bouncing or becoming stale
Benefits for payer :
1. Mul ple Op on Payment System (MOPS)
2. No wai ng in long queues
3. Make payment any me anywhere
4. No need to carry cash /cheque /DD
5. Take receipt print outs any me
Target Group :
Non-personal customers(Firms/Companies/Ins tu ons) who require fund collec on facility
CINB enabled accounts (SB or CA) - Vyapaar/Vistaar/Khata Plus (Preferably KhataPlus)
OD accounts not enabled
Registra on process :
1. If customer has CINB - Khata Plus/Vyapaar/Vistaar already issued then proceed further. If customer
has CINB – Khata/Saral issued to him or no INB is issued to the customer, then issue Khata Plus to the
customer (refer page no. 13 for issuance process).
2. Ask the customer to download 'State Bank Collect' forms from his CINB account, fill and submit
(along with Rs. 100/- stamp paper).
3. Login from Administrator State Bank Collect Add the Corporate Make the Charges to be
recovered from Customer and upload Logo Add CategorySelect the State and give a suitable
Name like School Fee to Category and select Account No. where the fee will be credited.
4. Configure Payment DetailsGive the Fields Name like Session, Month/Quarter, Fee type, Class,
Sec on, Student Id/Roll No., Name of Student, Name of Father, Mobile No.etc.Field Types are
Text, Date and Op on. Op on is to be given for popula ng dropdown (This page is purely tailor made
and can be adjusted as per requirement)
5. Configure Payment Amount Details (Field for different type of fees can be created, such as, School
Fees, Late Fine, Miscellaneous etc.).
6. Submit View the Sample online Payment Form Review it and Modify, if needed.
7. Approve SB Collect from INB Maker (CorporateState Bank Collect) and INB Checker (Approve
Corporate specific State Bank Collect).
8. Send a confirma on email to [email protected] and a le er to RBO, confirming crea on of SB
Collect, along with scanned copies of SB Collect documents, for Administra ve approval of RM. If
31
account is newly opened, approval of GM is to be obtained. Technical approval for publishing SB
Collect is to be obtained from Digital & e-Commerce Department at LHO.
9. Link to SB Collect will be sent to customer and Branch through email.
Post-registra on service :
1. Any modifica ons by the customer must be authorized at Branch and LHO level
2. Administrator will create Corporate User (for downloading SB Collect reports using naviga on:
Reports State Bank Collect Request Report)
Features :
1. Details required for payment are displayed on a Webpage
2. The payer can select the category of payment and enter related data
3. Par culars or amount can be pre-populated based on one or two key fields (like roll number or
consumer number etc.). This is called pre-upload system.
4. No possibility of incorrect or double payments
5. The payer can choose desired mode of payment such as Net banking, credit card, debit card, State
Bank Buddy or branch (challan is generated)
6. e-Receipts of payments can be generated
7. Pre-defined MIS reports can be obtained at any me for any given period
8. Collec on of fees for a specific period (last date) with inclusion of penalty slabs
Escala on Matrix :
Lucknow Circle Contact for Staff:
Email ID - [email protected]
Landline - 0522-2295164
Mobile no. - Shri R. Pratap - 8874 439555
32
PREPAID CARDS
· Work on the theme of 'pay now' and use at your convenience
· Just buy a card, load it with the desired amount and the card is ready to be used
· No account is required to use these cards
· Convenient alterna ve to cash and cheques
Prepaid cards are available in two types - Personalized (having customer's name) and non-personalized
(without the name of the customer)
· For issuing non-personalized cards, the branch should have sufficient card stock available. Branch
can order cards through CBSApps Prepaid Inventory Bank Raise Request as per
expected requirement. Once cards are available with the branch, single card issuance request (Go to
CBS Apps Prepaid Card Issuance Welcome Kit Batch Associate) or bulk issuance request
can be made (procedure given below).
· For issuing personalized cards, single (CBS Apps Prepaid Card Issuance Customer Entry
Single) or bulk issuance request (procedure given below) can be made. Once the personalized cards
are delivered to the branch/customer, the cards will be available for top-up and use.
Bulk Card Issuance Procedure through CBS :
· To use the bulk upload op on, the first step is to create the file in the correct format. To do this, a
u lity has been provided which can be downloaded from CBS Apps Prepaid by naviga ng to
File Formats User Manuals Bulk Upload File-Generator.
· Open the file and follow the instruc ons given on the first sheet. A er following the instruc ons,
click on the required op on (For example, to create bulk upload file for issuance of achiever cards,
click on 'Achiever Cards Issuance')
· Fill all the details as required in the correct format (all specifica ons are provided in the top 3 rows –
the first row gives the name of the field, the second row provides the values that can be entered, the
third row defines the size and whether field is mandatory or not).
· Once the data is entered, click on 'Generate File' bu on on the top le corner. A '.csv' file will be
generated and saved in the 'Documents' folder. Now the file is ready for upload. (If all fields are not
entered, error message will appear – 'No Data Found or Mandatory fields not entered'. Enter all the
mandatory fields and try again.)
Maker (Must have capability below 5 in CBS)
Go to CBS Apps Prepaid
Go to Common Opera ons File Upload. Select the upload type, browse the required file and click
on Upload.
A er clicking on 'Upload', if 'Status' is not 'Success', then check the 'Reason' and try again. If 'Status'
is 'Success', select the entry and click on 'Process'.
A er processing, check that Success Count is equal to the number of records in the uploaded file. If
the Success Count is less or if the Status is not 'Completed' then download and check the 'Logs' to
view the error codes (Details of error codes are available in Bulk Upload File-Generator). As per the
errors, correct the file and try again.
33
Checker (Must have capability of 5 or above in CBS)
For Personalized cards :
Go to CBS Apps Prepaid
Go to Card Issuance Customer Entry Applica on Bulk Authoriza on Approval
All requests will be displayed. Select the required file, enter remarks and click on 'Approve'.
On successful approval, the Batch Status will be 'Completed'. If Batch Status is not 'Completed', then
try again. Now, the request will be processed at back end and personalized cards will be dispatched
to customer's address provided in the file. Once cards are received by the customer, Top-up the card
as per customer requirement.
For Non-Personalized cards :
Before authorizing the file, BGL A/c 99473 should be credited with the total amount of top-up as per
the uploaded file. Note the BGL Reference Number as this has be entered at later stage.
Go to CBS Apps Prepaid
Go to Card Issuance Welcome Kit Batch Bulk Associate
Select the record, enter the BGL Reference Number (as noted in step 1 above) and Total amount.
Click on verify bu on (CBS Status will show as pending for records that are not yet verified).
Once CBS Verifica on is completed (CBS Status shows as 'Completed' along with a reference
number), select the record and click the approve bu on.
A er the approval, the total count and success count will be displayed and the status will be
displayed as Completed.
Escala on Matrix :
Email: [email protected]
Contact number: 022-27576973, 022-27566508, 022-27563036, 022-27563039, 022-27571033
Prepaid card intranet website (for card enquiry, card statement, etc.):
http://10.4.226.134/FTCRECON
VARIANTS OF PREPAID CARDS :
GIFT CARD
Features :
· Customisable prepaid card for gi ing purposes
· Ideal subs tute for cash/gi coupons/vouchers
· Can be issued at SBI branches or online through INB
· Issued for Rs. 500/- to Rs. 10,000/-
· Validity - 3 years
· Can be used on PoS or for online shopping (Cash withdrawal not allowed)
· Card is Non-reloadable
KYC requirement :
Applicant KYC: Gi cards will be issued from full KYC complied accounts of our Bank only
Beneficiary KYC: (no KYC documents) Only name, address and contact details of the beneficiaries to be
obtained
34
SMART PAYOUT CARD
These cards have been discon nued. Exis ng cards will be opera onal for withdrawal and purchase
transac ons but no further top-up is allowed.
eZ-PAY CARD
Features :
· Prepaid card issued to the employees of Government departments, PSUs, reputed private
companies, partnership firms and proprietary concerns for loading the employees' salaries, TA bills,
medical bills, bonus, incen ve, commission to agents/distributors etc.
· Validity - 10 years
· Can be used on PoS or for online shopping
· Facility of cash withdrawal at ATM (limit Rs.40,000/-)
Beneficiary KYC requirement :
· Government Disbursement: Verifica on of the iden ty of the beneficiaries shall be the
responsibility of the Govt. Departments.
· Listed Companies : Listed companies will take KYC document from the beneficiaries/ employees and
submit to the bank before ac va on of the card
· Unlisted Companies/Partnership Firms /Proprietary Concerns : Full KYC of individual Cardholder.
Reload :
Reloadable (up to Rs. 1,00,000/-)
Balance not to exceed Rs.1,00,000/- at any point of me
Minimum issue/reload Rs. 100/- and therea er in mul ples of Rs. 1/-
ACHIEVER CARD
Features :
· Issued to Corporates for giving incen ves to their employees/agents
· Issued for Rs. 100/- to Rs. 1,00,000/-
· Validity - 10 years
· Can be used on PoS or for online shopping
· Reloadable (through branch or CINB)
Beneficiary KYC requirement :
Listed Companies: Listed companies will take KYC document from the beneficiaries/employees and
submit to the Bank before ac va on of the card.
Unlisted Companies: Full KYC of individual Cardholder
IMPREST CARD
Features :
· Company co-branded prepaid card for disbursement of pe y cash expenses for agents of
Corporates (Current e up Indian Railways)
· Issued for Rs. 100/- to Rs. 1,00,000/-
· Validity - 10 years
· Can be used on PoS or for online shopping
34
· Facility of cash withdrawal at ATM (limit Rs.40,000/-)
· Reloadable (up to Rs.1,00,000/-)
KYC requirement :
Complete KYC documents
FOREIGN TRAVEL CARD
Features :
· Chip-based card for people going abroad for studies/business/leisure
· Maximum load is as prescribed by RBI/FEMA 1999 depending on the purpose of visit
· Operable by 4-digit PIN at ATMs and by PIN/signature at merchant establishments
· Add-on cards (up to 2) can be issued
· Validity - 5 years
· Reloadable any number of mes up to validity of card
· Card is refundable
Types of cards :
VISA Master Card
Currencies
· USD, EURO, GBP, JPY, AUD, CAD, USD, GBP, EURO, SGD, AUD, CAD,
SAR, SGD for individuals UAE Dirham
Currency loading Only one Currency can be loaded Mul ple Currencies can be loaded
in a card in a single card
Email ID: [email protected]
Support Team Email ID: [email protected] Phone No.: 022 - 27572365
Phone No.: 022-27576973,
Informa on 022-27566508, 022-27563036, h ps://www.sbitravelcard.com
Website 022-27563039 & 022-27571033
h ps://prepaid.onlinesbi.com/ MasterCard
Rs. 100+GST
KYC requirement : Rs. 50+GST
Copy of valid passport Rs. 100+GST
Form A2
PAN No
Proof of residence (if different from passport)
Charges : VISA
Rs. 100+GST
Ini al purchase and load fee Rs. 50+GST
Reload fee Rs. 100+GST
Add on Card
36
Eligible Branches :
As loading/re-loading of FTC entails transac on in foreign currency, only branches authorized for Forex
transac ons i.e. B category branches and above are allowed to issue FTC. Currently, the following 23
branches of Lucknow Circle are enabled for FTC issuance :
Network – 1 Network – 2 Network – 3
1. Lucknow Main Branch (125) 1. ITI Raebareli (4547) 1. CB Bhadohi (4214)
2. SGPGI Lucknow (7789) 2. Korwa (8069) 2. CB Varanasi (9252)
3. NRI, Lucknow (15194) 3. Spl. NRI Br Allahabad (17613) 3. Gorakhpur (86)
4. HAL Lucknow (18632) 4. Kanpur Main Branch (107)
5. CB Moradabad (4113) 5. Indl. Estate Kanpur (219)
6. SCB Bareilly (17644) 6. Jajmau (220)
7. Farrukhabad (638)
8. Co-Op Ind Est. Kanpur (1080)
9. IIT Kanpur (1161)
10. Pata (1937)
11. BHEL Jhansi (3807)
12. Indl. Fin. Kanpur (8971)
13. NRI Kanpur (15195)
14. Birhana Road Branch (30246)
All other branches are advised to redirect customers to these branches for issuance of FTC.
37
SBI FASTag
SBI FASTag is a tag that works on Radio Frequency Iden fica on (RFID) technology for making toll
payments directly from the prepaid or saving/current account linked to it. It is affixed on the windscreen
of vehicle and enables the vehicle to drive through toll plazas, without stopping for cash transac ons.
USP :
1. Can be used at all Na onal Highway Toll Plazas and Select State Highway Toll Plazas
2. Cashless payment of exact amount by direct debit from the linked Wallet
3. Separate lane for FASTag vehicles - Faster movement through toll plazas
4. Instant SMS Alerts on registered mobile number for transac ons, low balance, etc.
5. No expiry period
6. Recharge at any Point of Sale loca on of the agencies or by registering online at
h ps://fastag.onlinesbi.com
7. Corporate Wallet with auto-top up facility also available. Useful for Transport Operators/ Fleet
owners
Target Group : Retail and Corporate customers with special focus on SME customers, Transport
operators, Factories, Logis cs Companies, Transport Associa ons, State Road Transport Corpora ons
and Corporate Houses, etc.
Features :
· Tag contains chip and antenna inside
· Just needs to be pasted on the windscreen and is read by scanners available at toll plazas
· No validity period
Our Channel Partners (Service Providers) :
S. No. Agency Name Email address Agency Head Mobile No.
1. NICT Technologies Pvt. Ltd. [email protected] Mr. Sanjay Verma +91-7771004490
2. SAVE Solu ons Pvt. Ltd. [email protected] Mr. Ajitesh+ +91-7280005431
+91-7781048775
3. CSC e Governance Service India Ltd. [email protected] Mr. Harish Oberoi +91-9971382233
Channel Partners on-board Vehicle Dealers also for distribu on of our FASTag to their customers.
Charges :
Sr . Vehicle Vehicle Type One me Refundable Ini al load
Tag Issuance Security Amount
No. Class Charges* Amount*
200 300 140
No. 300
200 400 300
15 Light Commercial Vehicle 300
200 400
26 Three Axle Commercial Vehicles
200 400
37 Bus/Truck
4 12 4 to 6 axle
38
5 15 7 or More Axle 200 400 300
6 16 200 400 300
Heavy Construc on Machinery
(HCM)/Earth Moving Equipment
(EME)
*As per the instruc ons of the Competent Authority, Bank has decided to waive the cost of the Tag and
Security deposit for all the commercial vehicles for 6 months from 13th April 2018 ll 31st Mar '19.
Note :
1. 5% cashback is being offered by NHAI for FY2018-19
2. Addi onal 0.2% cashback is being offered by SBI (For 6 months from 13.04.2018)
Requirements from Branch :
1. Branches are expected to contact transport operators in their area, appraise them with the benefits
of FASTag and try to make them ready to opt for SBI-FASTag.
Leverage: we can also get lead through Petrol Pump a/c holders in the branch because they
mostly sell diesel to transporters on credit basis and have good say with them.
2. Enter these leads on the Portal: h ps://fastag.onlinesbi.com/BranchAdmin/Login Username is
SBI.bbbbb where 'bbbbb' is 5 digit branch code and Default Password is sbietc@123 (Password
needs to be changed at the me of first login). A er entering lead, this will be tracked by LHO &
Corporate Centre for on-boarding of operator. Branch is not required to do anything except to
coordinate with agent and provide details of the customer on the portal.
Data required to be entered in the portal is bare minimum :
Customer Details :
(i) Account No of Fleet owner (Non-mandatory)
(ii) Name of the Firm (Fleet operator) (Mandatory)
(iii) Name of the Authorized Person ((Mandatory)
(iv) Fleet owners mobile number & email Id ((Mandatory)
(v) Number of vehicles on which TAG is required
(vi) Vehicle type e.g. LCV, Mini Bus, Bus, Truck, Heavy vehicles like earth movers etc. (Mandatory)
(vii) Region- North India to be men oned (Mandatory)
(viii) State : Men on U ar Pradesh (Mandatory)
(ix) City (Mandatory)
(x) Address (Mandatory)
Branch Details:
(xi) Branch Code, Circle, Contact person name, mobile no. & email id (This is auto populated and
Contact Person details are editable)
Escala on Matrix :
Customer care: 1800 11 0018
39
BHIM-AADHAAR-SBI (BAS)
(Touch and Pay)
What is BHIM-Aadhaar-SBI?
BAS is an Aadhaar enabled payment acceptance solu on enabling the SBI merchant to accept real me
payments directly to the Aadhaar linked savings/current account from customer of any Bank.
Pre-Requisites :
· 4.2 or higher version android smart phone with internet connec vity (2G/3G/4G) and OTG support
for connec ng biometric device.
· Aadhar seeded bank account only for SB A/C
· PB 510 Finger Print Scanner (FPS) as supplied by CC
Documents required : (Forms available at p://10.73.0.105/MAB/FORMS/BAS/)
· BAS Applica on form
· T & C form
Registra on Process :
· For Savings Bank Account Holder : Download BAS App and PB510 RD Service App from Play
StoreEnter Aadhaar no. in Individual Merchant self registra on TABAuthen cate using
Biometric deviceSelect Bank accountSet MPIN for comple ng registra onGo to profile
Sec onClick on Biometric Device Selec onClick on Request for Scanner on Rent.
· For Current Account Holder : Go to Merchant Services in Kiosk Portal (CBS)Click on Merchant
Crea onCreate Merchant IDMerchant can now create Operator ID through Operator
Management TAB in h ps://kiosk.onlinesbi.com/admin/Admin.jsp using Merchant ID created at
Branch level and password sent on registered mobile no. Download BAS App from Play Store and
PB510 RD Service App from Play StoreClick on Individual merchant-Branch registra onEnter
Operator ID and set MPIN for comple ng registra on.
· Issuance/Authoriza on of Device at Branch Level : Go to Rental Program in Kiosk Portal
(CBS)Click on Allot device to merchant for issuing the device to a current account holder. For
Savings Bank Account holder, go to Authorize Rental request under Rental Program TAB and
authorize the request for 'scanner on rent' raised by the Merchant (Savings Bank A/c Holder).
Transac on Process :
· Open BAS App log in using MPIN Click on 'Accept Aadhaar Pay' iconEnter Consumer
Details Proceed for biometric authen ca on to complete the transac on.
40
Transac on Limits :
· Maximum amount per transac on for both merchant and consumer : Rs. 2000
· Daily Limit : Rs. 5000 for consumer and Rs. 25000 for Merchant
· Monthly Limit : Rs. 20000 for consumer and Rs. 100000 for Merchant
Other Salient features :
· No Monthly Rental (New devices distributed w.e.f. 01.09.2018)
· No MDR at present
· Transac on history can be viewed in mobile App. Further, full transac on reports can also be
readily made available through email request
· Aadhaar number along with Aadhaar linked account is sufficient for the consumer.
Support Desk : Lodge a complaint through CMS. CMS-> Login-> Lodge a Complaint -> SBI
Aadhaar Pay
41
POINT OF SALE (PoS)
(Swipe and Pay)
SBI PoS
What is PoS?
PoS is a hassle-free and secure way to receive payments by merchants from their customers having
debit/credit card. The merchant will be provided with PoS terminals.
Documents required : (Forms available at p://10.73.0.105/MAB/FORMS/POS/)
· PoS Applica on form
· Arrangement le er
· Merchant Establishment Agreement le er
· Annexure-H (for Oil and Gas Companies)
PoS can be mapped to the merchant's current account. Merchant can also open zero balance Power PoS
current account subject to the maintenance of monthly average balance. Merchant can also opt for
availing PoS facility in Savings account wherein the daily transac on limit will be restricted to Rs. 5000.
PoS Applica ons will be first processed through CRM and then the same will be reflected in MAB
workflow viz. h ps://mab-workflow.sbi.co.in a er the lead is authorised by Branch Manager in CRM
Portal. (CRM Manual is pasted in p://10.73.0.105/MAB/CRM Manual)
Types of PoS Terminal :
Type Rent (PM) Security Min Quarterly Transac on Value Commitment Charges
Nil Metro Rs. 45000 Rs. 650 + GST
PSTN Nil Rs. 200 + GST Urban Rs. 30000 Rs. 500 + GST
Rs. 400 + GST Semi-urban Rs. 20000 Rs. 350 + GST
Desktop GPRS Rs. 220 + GST Rural Rs. 15000 Rs. 250 + GST
Portable GPRS Rs. 400 + GST
Merchant Discount Rate (MDR) :
CATEGORY For Debit Cards (as a % Regular/ Premium Interna onal
of transac on value)
Credit Cards Cards
Small merchants (with turnover Not exceeding 0.40% + GST 1.90% + GST 2.50% + GST
upto Rs. 20 lakh during the (MDR cap of Rs. 200 per txn)
previous FY)
Other Merchants (with turnover Not exceeding 0.90% + GST 1.90% + GST 2.50% + GST
above Rs. 20 lakh during the (MDR cap of Rs. 1000 per txn)
previous FY)
**GoI has issued instruc ons not to charge MDR from the merchants up to and including the
transac on value of Rs. 2000/- ll 31st Dec. 2019. (for Debit Cards / Bhim UPI/ Aadhaar Pay
transac on)
42
De-installa on Charges : Rs. 500 + GST
If de-installa on is done within 6 Months from the date of installa on Rs. 150 + GST
If de-installa on is done a er 6 Months but before one year Nil
If de-installa on is done a er 1 year
Other Salient features :
· No installa on charges
· Daily e-statement facility without any addi onal charges
· Repairs, maintenance, supply of paper rolls etc. provided free of cost by the Bank
43
POS - COMPLAINTS ESCALATION MATRIX
S. ISSUE/PROBLEM HITACHI ATOS (Worldline) EZETAP (MPOS)
No.
1. 1. FOR PAPER ROLL pos.fs@hitachi- awl-in.merchanthelp [email protected]
2. TERMINAL NOT payments.com
WORKING(TO CALL care.pos@hitachi [email protected] TOLL Free No -
LOG) -payments.com
3. TO RECEIVE TOLL Free No - awl-in.acquiring 1800 200 0313
STATEMENTS 1800 425 0727
Non Toll Free No - @atos.net Non Toll Free No -
1860425 0727
SMS : Type POS and sbisupport 08067678787
send to 56677
@worldline.com
TOLL Free No -
1860 233 2332
Non Toll Free No -
022 4042 6060
SMS : Type HELP and
send to 56070
2. ALL ISSUES RELATED TO [email protected]
MAB WORKFLOW
3. INSTALLATION / [email protected]
DE-INSTALLATION /
ACTIVATION /
RENT RECOVERY /
REJECTION /
CHARGEBACK /
COMPLAINTS /
DATA PURIFICATION for
POS / BQR / MOPAD
( ALL REQUEST
PROCESSED THROUGH
MAIL)
4. REVERSAL OF RENT / [email protected]
COMMITMENT /
ADAPTOR CHARGES
5. BATCH CLOSE - BACKEND [email protected]
( When it is not possible to
do se lement from the
terminal and with
proper transac on copy)
6. 1. AMOUNT HOLD/ [email protected] / [email protected]
DISPUTE DUE TO
SUSPICIOUS NATURE
2. MERCHANT ACCOUNT
DEBITED
44
7. CHARGEBACK [email protected]
COMPLAINTS
8. 1. CREDIT NOT RECD./ Go to "Complaints TAB" in MAB Workflow (h ps://mab-
LESS CREDIT RECEIVED workflow.sbi.co.in) Click on "Lodge a PoS Complaint". Enter
AFTER SETTLEMENT* MID and TID and click on "Verify". The Complainant will be
2. TO RELEASE CREDIT redirected to a new screen where complainant's name, contact
TO NEW ACCOUNT* no. email id, category of complaint and brief details of the
( The already exis ng complaint are to be given and "Submit TAB" is to be clicked
account of merchant was a er entering CAPTCHA. The complainant will recieve an
closed. Hence, the pending acknowledgment mail containing the Docket No.
credit needs to be (The manual for lodging compalint through this mode is pasted
transferred to a new in FTP://10.73.0.105/MAB/INFORMATION MANUAL/Le er
account number) for web applica ons for complaints.)
9. OIL AND GAS MERCHANT [email protected]
(All complaints pertaining
to it)
10. For addi on/removal of [email protected]
branch in workflow and
Terminal Model change
Request
11. ISSUES IN ON-BOARDING [email protected] / [email protected]
PROCESS IN
BHIM-AADHAAR-SBI
12. All ISSUES RELATED TO [email protected]
CRM CRM Help Desk 022-39367188/89/90/91
A). All the mails are to be sent directly to the above men oned IDs only.
B). For installed Terminals, requests like Terminal Swap, Deinstalla on, Limit Enhancement,
Change in Address, etc are to be escalated strictly through workflow only.
C). All material related to POS, Bharat QR and Bhim Aadhaar SBI are available at
FTP://10.73.0.105/MAB/INFORMATION MANUAL and all relevant forms are available at
FTP://10.73.0.105/MAB/FORMS
IMPORTANT : THE ABOVE CONTACT DETAILS ARE FOR INTERNAL COMMUNICATION ONLY
AND MUST NOT BE SHARED WITH MERCHANTS EXCEPT FOR POINT NO. 1
45
MOPAD
Mul Op on Payment Acceptance Device
What is MOPAD?
MOPAD stands for Mul Op on Payment Acceptance Device. It is a one stop payment acceptance
solu on for Merchants, provided by SBI on PoS terminals.
The modes of payment enabled on MOPAD to receive payments, are as under:
a) Cards -Debit/Credit/Prepaid (Swipe and Pay)
b) Bharat QR Version 4.0 (Scan & Pay): which enables acceptance of Bharat QR & UPI
Unique Selling Proposi on :
· MOPAD provides a unified single device to merchants for acceptance of payments through various
modes of payment viz. Cards, Bharat QR App & UPI App
· Merchant is not required to install mul ple Apps on the mobile for accep ng through different
modes of payment.
· MOPAD generates charge slips for all modes of payments, thereby enabling the merchant to have a
proof of payment.
· Facility of consolidated MIS. Merchants can simply login to the web-portal (h ps://mp.hitachi-
payments.com/frmLogin.aspx) and view/download the transac on details and summary of the
previous day's transac ons. MIS is also emailed on the day following the day of transac ons.
Registra on Process :
· The process for on-boarding a merchant for MOPAD is same as in case of other PoS terminal.
Merchant Discount Rate :
S.No. Par culars Card Rates
1 Debit/Credit Card Small Merchant: Debit Card- 0.40% + GST
Other Merchant: Debit Card- 0.90% + GST
Credit Card MDR: 1.90% + GST
2 Bharat QR -Debit Small Merchant: BQR Debit cards – 0.30% + GST
Cards / Credit cards Other Merchant: BQR Debit cards – 0.80%* + GST
Credit Card MDR: 1.90% + GST
3 UPI Transac on up to Rs 2000- MDR 0.25% + GST
Transac on above Rs 2000- MDR 0.65% + GST
**GoI has issued instruc ons not to charge MDR from the merchants up to and including the
transac on value of Rs. 2000/- ll 31st Dec. 2019. (for Debit Cards / Bhim UPI/ Aadhaar Pay
transac on)
Escala on Matrix : The escala on matrix is same as that of PoS.
46
BHARAT QR
(Scan and Pay)
What is Bharat QR?
Bharat QR is a new, hassle free payment acceptance solu on wherein the customer can make payment
to the Merchant by scanning the QR code available at the counter
Unique Selling Proposi on :
· No Monthly Rental, commitment charges
· MDR charged for Bharat QR is 10 basis point lower than what is charged for PoS
· History of last 20 transac on is available on Merchant's App
· Se lement of transac on is not required. Merchant gets the credit on T+1 basis
· Merchant has the op on of genera ng both sta c QR code ( for fixed sale amount ) and dynamic QR
code ( for different sale amount)
Documents required :
(Forms available at p://10.73.0.105/MAB/FORMS/BHARAT%20QR/)
· Bharat QR Applica on form and KYC documents of the Merchant
· Arrangement le er
· Merchant Establishment Agreement le er ( Required only in case of new merchant)
Bharat QR Applica ons will be first processed through CRM and then the same will be reflected in MAB
workflow viz. h ps://mab-workflow.sbi.co.in a er the lead is authorised by Branch Manager in CRM
portal. (CRM Manual is pasted in p://10.73.0.105/MAB/CRM Manual)
Merchant Discount Rate (MDR) :
CATEGORY For Debit Cards (as a % of Regular/ Premium Interna onal
transac on value) Credit Cards Cards
Small merchants (with turnover upto Not exceeding 0.30% + GST (MDR 1.90% + GST 2.50% + GST
Rs. 20 lakh during the previous FY) cap of Rs. 200 per txn) 1.90% + GST 2.50% + GST
Other Merchants (with turnover above Not exceeding 0.80% + GST (MDR
Rs. 20 lakh during the previous FY) cap of Rs. 1000 per txn)
** GoI has issued instruc ons not to charge MDR from the merchants up to and including the
transac on value of Rs. 2000/- ll 31st Dec. 2019. (for Debit Cards / Bhim UPI/ Aadhaar Pay
transac on)
All the Merchants availing the facility of Bharat QR will be assigned a unique Merchant ID and Terminal
ID by TSP and based on MID, TID, Bharat QR ID, a QR code will be generated which will be sent to the
Branch mail ID and Merchant mail ID. Branch has to ensure that the BQR code is pasted at the merchant
establishment and “BHARAT QR MERCHANT-H” App is downloaded and two test transac ons are
conducted.
47
Merchant needs to have the following to start using Bharat QR
· Smart phone (presently Android) with data connec on
· Bharat QR merchant-H applica on installed on Merchant's mobile phone
Customers who wish to pay by scanning the QR Code need the following
· Smart phone (presently Android) with data connec on
· Bharat QR customer app viz. Anywhere personal for SBI (similar apps are available for different
banks)
· Payment can be made through BHIM UPI App also
Support Desk : Lodge a complaint through CMS. CMS-> Login-> Lodge a Complaint -> m-visa
transac on.
48
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