Indian banks offer a wide range of services including savings and current accounts, loans, credit cards, and insurance products. They also provide online banking facilities that can be accessed using the Indian Bank net banking and mobile banking services, and ATM services to their customers.
Let’s know about these in detail here.
About Indian Bank
Indian Bank is commercial bank owned by the government of India. The bank was founded on 15th August 1907, making it one of the oldest banks of India. It’s headquartered in Chennai, Tamil Nadu. Indian Bank currently has 3201 ATMs and 5,787 branches in the country (as per the Indian Bank website). It was on the 1st of April 2020 that the Allahabad Bank was merged with the Indian Bank.
Online Services Offered by Indian Bank
Here are some of the online services offered by Indian Bank in bullet format:
- Internet Banking: Indian Bank net banking services allow customers to access their accounts, view account statements, transfer funds, pay bills, and more, using just a computer or mobile device.
- Mobile Banking: Indian Bank mobile banking services via its mobile app IndOASIS, allows customers to access their accounts, transfer funds, pay bills, and more, from their mobile devices. Using the bank’s mobile banking app, you can also check your last 5 transactions via IOB mini statement or opt for balance enquiry. These are easily available with the mobile banking option.
- Fund Transfer Modes: There are mutliple modes of transferring funds available for Indian Bank customers, other than via cheque, just like the other scheduled commercial banks in India. These can be used both online and at-the-branch, viz.:
- IOB NEFT: National Electronic Funds Transfer is an electronic mode overlooked by RBI, in which you can directly send funds from your IOB account to another bank’s account – online or at the branch using the IOB NEFT form. When done at the branch, it attracts certain IOB NEFT charges which can be avoided using the netbanking or mobile banking option. NEFT limits for the IOB are set differently for different bank account types, please check the same along with the IOB timings so as to save time.
- IOB RTGS: For big transactions of Rs 2 lakhs or more, bank provides the option of RTGS under which certain IOB RTGS charges are applicable which usually do not go beyond Rs 50 per transaction (basis transaction amount). Also, check the IOB RTGS limit, especially for online mode as the offline/at-the-branch option usually have no upper limit set.
- IOB IMPS: IMPS or Immediate Payment System is a quick mode of transferring funds which is popular among online payment options. This can be done using the IOB netbanking or mobile banking options. We suggest you check the IMPS limit and IMPS charges beforehand so as to save time and avoid charges, wherever possible.
- IOB UPI: Unified Payments Interface is the newest in the list of online fund transfer options and is headed by NPCI. There are no UPI charges for customers, however, merchants may have to pay certain UPI charges if the payment is made via mobile wallets, gift cards, etc.
- Online Account Opening: Indian Bank offers the facility of online account opening for customers who wish to open a new account without visiting a branch.
- Online Loan Application: Customers can apply for loans online, and track their loan application status through the Indian Bank website.
- Online Bill Payment: Indian Bank customers can use the internet banking facility to pay their utility bills, credit card bills, and other bills online.
Note: This is not an exclusive list.
Indian Bank Net Banking
Indian Bank Netbanking is a convenient and secure way for customers to access their bank accounts online. Here’s everything you need to know about Indian Bank Netbanking:
How to Login to Indian Bank Netbanking?
To access Indian Bank Netbanking, customers need to follow these steps:
- Go to the Indian Bank website and click on the “Personal Banking” tab.
- Click on “Login” and select “Internet Banking.”
- Enter your User ID and Password to log in.
How to Activate Indian Bank Netbanking?
If you’re an Indian Bank customer and want to activate Netbanking, follow these steps:
Step 1: Visit the nearest Indian Bank branch and fill out the Netbanking registration form.
Step 2: Submit the form along with a copy of your PAN Card and an identity proof document.
Step 3: Once your registration is processed, you’ll receive your User ID and Password to access Indian Bank Netbanking.
Indian Bank Internet Banking: Features & Benefits
Indian Bank Netbanking offers a range of features and benefits to customers, including:
- Account balance, transaction history, and account statements can easily be accessed
- Transfer of funds between their own accounts or to other bank accounts in India
- Utility bills, credit card bills, and other bills can be paid instantly
- Requests for cheque books, stop payment of cheques, and more can be pushed via Indian Bank net banking
- Customers can invest in mutual funds, purchase insurance, and apply for IPOs through this service
- Indian Bank Netbanking uses multiple layers of security to ensure safe and secure transactions
Indian Bank ATM
Indian Bank has a vast network of ATMs spread across India, providing customers with easy access to cash and other banking services. The below-mentioned are some of the prime services offered by Indian Bank ATMs:
- Cash Withdrawals: Indian Bank ATMs allow customers to withdraw cash using their debit cards, making it convenient to access cash anytime, anywhere.
- Balance Enquiry: Customers can check their account balance and get a printed receipt of the transaction for future reference.
- Mini Statement: Customers can also get a mini statement of their recent transactions, including the account balance, last few transactions, and more.
- Fund Transfers: Indian Bank ATMs also provide the facility of transferring funds between Indian Bank accounts, making it easy for customers to send and receive money.
- Bill Payment: Customers can also pay their utility bills, mobile recharge, and other bills through Indian Bank Debit Cards.
- Cardless Transactions: Indian Bank has also introduced cardless transactions, where customers can initiate a cash withdrawal or fund transfer without the need for a physical debit card.
- Debit Card PIN Generation/Change: Customers can change their debit card PIN at Indian Bank ATMs for added security.
Overall, Indian Bank ATMs provide customers with a range of convenient banking services, making it easy to access cash and perform various banking transactions on the go.
Indian Bank Balance Check
There are various ways to check your Indian Bank account balance, including online methods, mobile banking, ATM services, and more. Here are some of the ways you can do an Indian Bank balance enquiry:
- Customer Care: You can call the Indian Bank customer care number at 1800 425 00 000 to inquire about your account balance.
- SMS Banking: Send an SMS to 9444394443 in the following format: BAL<Account number><MPIN>.
- Missed Call Service: Give a missed call to Indian Bank’s dedicated number 09289592895 from your registered mobile number to receive an SMS with your account balance.
- ATM Services: Visit any Indian Bank ATM and select the “Balance Enquiry” option from the menu.
- Passbook: Visit your nearest Indian Bank branch and update your passbook to check your account balance.
- Internet Banking: Log in to your Indian Bank Netbanking account and view your account balance.
- Mobile Banking: Download the Indian Bank mobile banking app and log in to check your account balance.
Indian Bank Customer Care Number
1800 425 00 000 is the Indian Bank customer care number that anyone can use for enquiries, feedback and grievances, if any. This is also the Indian Bank toll free number.
Also, read about other Banks:
|Bank of Baroda||Central Bank of India|
|Bank of India||Bank of Maharashtra|
|Canara Bank||Indian Overseas Bank|
Indian Bank: FAQs
Your CIF number may be printed on the first page of your Indian Bank passbook or on the 1st page of your cheque book. Alternatively, you can check your Indian Bank account statement (physical or digital) to find your CIF number.
Yes, you can apply for an Indian Bank debit card linked to your current account by visiting your nearest Indian Bank branch or by applying online through the Indian Bank website. Please keep the necessary documents and information as required by the bank.
You will need your PAN card, an ID proof (Aadhaar card/Voter ID card, PAN card, etc.), address proof (Aadhaar card, utility bill, bank statement of another bank account, etc.), passport-sized photographs and KYC form to open a bank account with the Indian Bank.
1800 425 00 000 is the Indian Bank customer care number which is also toll free.
You can either call on 1800 425 00 0000 or send an SMS (BAL<Account number><MPIN>) to 9444394443.
You can get MPIN for your Indian Bank account using the bank’s mobile app IndOASIS.