Frequently Asked Questions (FAQs)

Listed below are the payment modes which will be available on TIN 2.0 for direct tax payments:

• Pay at counter through Bandhan Bank Branches.

• These FAQs shall be amended with other modes of payment as and when available

• The tax payer will have to visit the TIN 2.0 Income Tax Portal using the link – https://www.incometax.gov.in/iec/foportal/

• TIN 2.0 has a pre-login section which can be accessed by the tax payer by entering their PAN/TAN along with the Mobile Number and OTP. Through this section, few types of direct tax transactions can be initiated. The following is the link for pre-login section: https://eportal.incometax.gov.in/iec/foservices/#/e-pay-tax-prelogin/user-details

• Additionally, TIN 2.0 also has a logged in section which can be accessed by the tax payer by entering their PAN/TAN and password. Through this section, all types of direct tax transactions can be initiated. The following link may be used for logging in: https://eportal.incometax.gov.in/iec/foservices/#/login

The tax payer can make a payment at Bandhan Bank branches listed at https://bandhanbank.com/banking-outlet-locator through cash (amount up to Rs.10,000), cheque or DD under “Pay at Bank Counter” option available on TIN 2.0 portal for a direct tax transaction.

The tax payer needs to login to TIN 2.0 portal for downloading challans for the direct tax payments processed successfully through any mode. TIN 2.0 login link and path to download the challan is as below – 
Path: login (https://eportal.incometax.gov.in/iec/foservices/#/login) >> e-file >> E-pay tax >> Payment History >> Action >> Download

Yes, the tax payer can see the transaction preview page with challan reference number generated on TIN portal before making the payment.

Yes, Bandhan Bank will be providing acknowledgement slip for all direct tax transactions and including the Challan Reference Number (CRN) and Challan Identification Number (CIN) generated via the TIN portal.

While generating a challan on TIN 2.0 portal for payment of direct tax, the tax payer has to select the option “Pay at Bank Counter” from the list of payment modes available on the portal.

• Yes, cheques and DDs of other banks will be accepted.

• Cheque/DD must be in favour of “Bandhan Bank Ltd Tax Collection A/c”

• The cut off time for same day lodgment of instrument in clearing will be communicated by the deposit bank branch. Any instruments received after the cut off as communicated by the deposit branch, will be lodged in clearing on the next working day.

• As per standard TAT, CTS cheques will be cleared within 1 working day, unless notified otherwise. 

• Non CTS cheques will be cleared as per available MICR clearing cycle at the deposit location

Yes, tax payer can pay taxes by submitting the generated challan at the Bandhan Bank branches under “Pay at Bank Counter” by selecting cheque as the mode.

Yes, the list of branches can be accessed at https://bandhanbank.com/banking-outlet-locator

Direct tax challan will get expired in 15 days before which the transaction needs to be successfully completed. In case, the payment is not completed within 15 days, the generated challan will expire and the tax payer will need to reinitiate a fresh transaction.

No modifications/rectifications, whatsoever, can be done in the transaction details/ challans after the payment has been successfully processed.

Bank will not be able to undertake any refund or reverse the funds once the payment for direct tax transaction is successfully processed. Tax payer will have to contact the Income Tax Department for such requests and follow their prescribed guidelines.

No, the system will not accept the decimal value in the amount field.

Cash Management Services or CMS is an efficient and robust way to manage the receivables and payables of the corporates, government departments, and business clients, for effectively managing the cash flows to optimise treasury management. Presently Bank is offering electronic payments and CMS cash collection from the client’s premises.

Benefits of CMS:

• Execute real-time electronic payments (RTGS/NEFT/Internal fund transfer)

• A robust mechanism for bulk upload payments with single file for all payment types.

• H2H (host-to-host) payments in customised file formats as per corporate’s requirements.

• Quick beneficiary creation through Bulk upload mechanism.

• Supports complex MOP (mode of operation/ authorisation) for payments.

• Complete confidential control over salary payments.

• Robust reconciliation with customised MIS to manage your receivables faster.

• Quick and effective fund management.

• Real-time reports and advices for better visibility.

To avail CMS, you may visit your nearest Bandhan Bank branch or contact your Relationship Manager. Should you require additional information or support, please call 1800-258-8181 (toll-free) or write to customercare@bandhanbank.com

Certain services are chargeable. For more information, you may visit your nearest Bandhan Bank branch or contact your Relationship Manager.

CMS is flexible and capable of generating customised MIS as per your requirements. Additionally, it can send alerts to meet your specific needs.

Yes. CMS application can be integrated through H2H (SFTP) i.e. between your ERP and Bank’s server using secured mode of communications.

No. The payment file in our CMS application is efficient to support all types of payments like RTGS, NEFT and internal fund transfer in a single payment file.

Yes. You can schedule transactions to be executed on a future date.

You may visit your nearest Bandhan Bank branch or contact your Relationship Manager for the list of documents required to avail CMS. The same is also hosted in the following path.

The path: https://www.bandhanbank.com
Home > Tools & Resources > Forms & Documents > Transaction Banking 

Yes. CMS is quite robust to have such control mechanism at the beneficiary and at the authoriser level.

You may use either excel, .txt or .csv file format. CMS has functionality to also accept customised file formats (fields and column order) as per your requirement.

Yes, customised approval workflow for CMS can be defined for e-Payment, and salary payment can be executed with confidential rights.

There can be two scenarios:

• Invalid login - locked due to three consecutive wrong password attempts or user dormancy.

• Already logged in - this may occur due to network timeout or improper logout, etc.

A locked user can only re-login after a 10-minute wait, or they can follow the process to unlock.
Users can email their respective Bandhan Bank branch from their registered email ID for quick resolution.

You may get in touch with the Bandhan Bank service branch for any queries related to CMS cash collection.

After receiving the location list from you, Bank will conduct a feasibility check and provide confirmation. A dry-dummy run will be conducted by the Bank's empanelled service provider/agency 1-2 days prior to the start of the service.

Email ID: customercare@bandhanbank.com

Customer Care Helpline (Toll-free): 1800-258-8181

Customer Care Number: 033-4409-9090

Tokenisation refers to replacement of actual card details with an alternate code called the “token”, which shall be unique for a combination of card, token requestor (i.e. the entity which accepts request from the customer for tokenisation of a card and passes it on to the card network to issue a corresponding token) and the device (referred hereafter as “identified device”).

Tokenisation is used for payments or in cases where merchants have stored the card details to provide a faster checkout experience. Tokenisation thus adds an extra layer of security to the consumer's card details as they are not saved by the merchant. It is highly recommended as an essential service that every consumer should avail to protect their data which is otherwise exposed while undertaking a card transaction.

Tokenised card transactions offer a safer way to perform transactions as they do not require merchants to share or store the actual card details. Instead, a unique token is used to represent the card information, providing an added layer of security. Tokenisation also offers convenience to customers by eliminating the need to input complete card details repeatedly. This streamlined process can enhance the customer experience and reduce the risk of data breaches, making tokenised transactions a win-win for both merchants and customers.

No, it is not mandatory. If not tokenised, starting October 1, 2022, the customer would need to enter the full card number, CVV and expiry date every time to complete online transactions.

Step 1: Visit the merchant website or app
Step 2: During checkout enter card details
Step 3: Click on the check box “Secure your Card” or “Save Card as per RBI guidelines” to secure the card
Step 4: Complete the transactions with OTP received on the registered mobile number
Step 5: The card details are now secured

Tokenisation is a process in which a unique token is generated for each credit or debit card used by a customer for a specific merchant. This means that if a customer uses the same card for different e-commerce sites, each site will generate a different token to prevent fraud. Additionally, customers can request tokenisation for any number of their cards to perform transactions. This approach helps enhance the security of online transactions by making it more difficult for hackers to gain access to sensitive card information.

Tokenisation is a free of cost service for all cardholders.

For queries call 1800-258-8181 or email at customercare@bandhanbank.com

Neo+ Merchant is an android mobile application that allows you to accept money from your customers using your smartphone.

The following payment modes are available on Neo+ Merchant:

• Tap on Phone
• SMS link using cards, net banking, wallets, UPI, etc.

Additionally, you can record a cash transaction in the app by clicking on the cash option after entering the amount in the collect screen. Further you can track the pending payments by clicking on the Khaata option.

Currently sale, void, partial refund and full refund are supported.

Currently, we support the following card schemes based on the payment mode-

• Tap on Phone: Visa and Mastercard
• SMS link: Visa, Mastercard and Rupay

Tap on Phone is a new way of accepting contactless payments from your customers. Through Tap on Phone, the customer can tap the contactless card on his/her mobile phone to complete the payment.

To accept payments using Tap on Phone, you need to have an android mobile phone with an NFC radio and android OS version 6.0 (Marshmallow) and above.

To accept payments using Tap on Phone, click on the Cards option after entering the amount in the collect screen and follow the instructions on the screen. The customer will be required to tap the card on his/her mobile phone when prompted to initiate the payment. After hearing a beep sound, you can ask the customer to lift the card and wait for the transaction to get processed. Please make sure that the card is in full contact with the back of the phone to ensure maximum probability of detecting the card. Please test this function through a few transactions to identify the exact spot where the phone’s NFC chip is located.

The maximum amount that can be accepted is `5,000 using Tap on Phone.

No. Only contactless transactions are allowed on Tap on Phone, without PIN number.

To accept payments using SMS link, please select the SMS link option after entering the amount in the collect screen. Enter the customer's mobile number to send a unique payment link via SMS. Ask the customer to click on the link and complete the payment.

Please contact the helpline number mentioned in the app to get more information.

To record a cash transaction, please click on Cash option after entering the amount in the collect screen.

First, you need to navigate to the Khaata section and add a new customer by following the instructions. While adding a new customer, you can specify the opening account balance for that customer. Subsequently, after entering the amount in the collect screen, you can add the amount to an existing customer’s Khaata by clicking on the Khaata option and selecting the customer.

Navigate to the Khaata section of the customer. Click on the collect button and modify the amount (if required). After that, you may select the desired payment method and continue as per the steps for collection, using the selected payment method. Alternatively, if you send a reminder to the customer from within the customer’s khaata, the app will include a dynamic SMS link for 100% of the outstanding khaata balance. The customer can click on that link and complete the payment. The khaata balance will get adjusted once the payment has been completed successfully.

For all transactions, a charge slip will be generated at the end of the transaction. Alternatively, you can also view the transaction status in the reports. For SMS link, it is possible that the transaction status will take a few minutes to get updated after the customer has successfully completed the payment. A push notification will be triggered to the app when the SMS link transaction gets completed.

On completing the transaction, a charge slip will be generated on your screen. You can share the charge slip with your customer by clicking the share button on that charge slip. Alternatively, you can share a copy of the charge slip with the customer from the reports
section by navigating into the specific transaction. You can use any commonly available
sharing mechanism between you and the customer, for e.g. WhatsApp, e-mail, and other sharing options.

No. All transactions performed on the app will be auto-settled by our systems.

Please contact the helpline number mentioned in the app for more information.

Yes, with every amount that gets credited into your account, you will receive an accompanying merchant payment statement on your registered e-mail ID which will contain a transaction level breakup of the amount credited into your account.

Once a transaction has been completed successfully, to refund the amount, navigate to the transaction in the reports section. Once you have identified the transaction, click on it to open the page on the transaction details and initiate a refund by clicking the ‘Refund’ button at the bottom of the screen.

If the transaction is settled, the app will allow you to specify the amount you want to refund. You can refund a partial amount multiple times as long as the amount is available to be refunded. You cannot refund more than the original transaction value.

If the transaction is not yet settled, the app will automatically initiate a VOID for 100% of the transaction amount. There is no specific mechanism to initiate a void transaction.

Please contact the helpline number mentioned in the app for more information.

Please contact the helpline number mentioned in the app for more information.

Please contact the helpline number mentioned in the app for more information.

Bandhan Bank's Corporate Internet Banking (CIB) is a one-stop shop for all your online banking needs. With CIB, corporate customers can execute online banking transactions with a plethora of features from the comfort of their desktops or laptops.

The key features of Bandhan Bank’s CIB are:

• View account summary and account details including loans and deposits under a customer ID
• View, download and email account statements in Excel or PDF format
• Transfer funds between the entity’s own accounts
• Transfer to other bank accounts via NEFT, RTGS, and IMPS using screen and bulk payment
• Requests for Fixed Deposit(FD) opening
• Request for FD premature withdrawal
• Cheque book request
• Stop cheque request
• Cheque status inquiry
• Set up Standing instruction
• View, manage users and reset login and authorization password using corporate admin module

No. CIB facility is provided free of charge to all our corporate customers.

Visit Bandhan Bank’s CIB URL: https://bandhanbankonline.com/Corporate/ or https://corporate.bandhanbank.com/Corporatebanking/prelogin in the address bar of the browser. It will direct you to the Bank’s CIB’s login page
On the login page, please enter your Group Id/Company ID,  User ID and password to login to the Bank’s CIB platform

The types of entities which can apply for Bandhan Bank’s CIB access are:

• Private limited company
• Local body
• Public Sector Undertaking (PSU)
• Institutions, viz., universities, etc
• Clubs/Committees
• Partnership firms
• Government bodies
• Proprietorship firms
• Trusts
• Public listed company
• Co-operatives/Societies
• Joint sector
• Limited Liability Partnership
• Associations

The list of documents required are: Corporate Internet Banking "Biz@Bandhan” application form (available at https://www.bandhanbank.com/apply-for-banking-products-and-services.aspx?val=All)
Board Resolution is required for all except Partnership and Limited Liability Partnership
Letter of Mandate is required only for Partnership and Limited Liability Partnership (available at https://www.bandhanbank.com/pdf/Annexure%201-Specimen%20of%20Letter%20of%20Mandate.pdf)
KYC documents of user

To avail CIB facility, all corporates except partnership, LLP and sole proprietors need to submit Board Resolution, clearly stating the names of person(s) designated as Maker and Checker respectively.

No. All users within a corporate must have unique mobile numbers and registered email IDs.

For effective control and monitoring, Bandhan Bank’s CIB facility brings to you the ‘Maker and Checker’ concept of completing a transaction
The Maker has viewing rights and can initiate transactions
The Checker has viewing rights, can initiate transactions, and approves transactions initiated by the maker

For deleting an existing user, you are required to place a request at your base branch. You are required to submit a CIB user deletion form along with a request letter on the Company’s letterhead signed by the authorised signatory.

Once your CIB application has been processed, you will receive an SMS & Email on your registered mobile number with your login credentials.
Both Maker and Checker will individually receive login credentials on their registered email IDs from no-replycrm@bandhanbank.com.

To check the status of your CIB application, please contact your base branch or your Relationship Manager.

Yes, it is mandatory to enter your mobile number and email ID in the CIB form.

No. It is not possible to register an international mobile number, as of now.

You will receive your Corporate Internet Banking credentials containing company ID, User ID and current login password and authorisation password on your registered email ID sent from no-replycrm@bandhanbank.com.
In case you do not receive the credentials in their inbox, please check your spam box for same. Else, please contact your base branch to inquire about your login credentials.

For security purposes, Bandhan Bank’s CIB facility has a two-level login. For each entity, a unique Company ID is issued and for all users under the Corporate, individual User IDs and passwords are issued.

Yes. Company ID and User ID are case sensitive.

When you login into CIB for the first time, the system will automatically prompt for a change of password and to select secure text image and personalised message.

Secure Access is a combination of image and personalised message which lets you know that you are logging into the correct Corporate Internet Banking platform.

For a first-time user, the Secure Access image and personalised message is not shown.  After successful login, the system will automatically prompt for change of password and to set Secure Access image and personalized message.
The Secure Access image and personalised message registration process is:
Type a message which you can easily remember
Select an image category from the dropdown and correspondingly choose the Secure image

The various reasons are:

• You may be entering the wrong Company ID or User ID. Kindly check the details and try again
• The Company ID, User ID are case sensitive. Please ensure the Caps Lock button is off
• You are not entering the correct password. Ensure the Caps Lock button is off
• You may not have checked the Secure Access image and caption checkbox before pressing the submit button
• You may have locked your corporate ID by making three unsuccessful login attempts

However, if you are still unable to login, please mail from your registered email ID to customercare@bandhanbank.com or call toll-free number 1800 258 8181. You may also dial 033 6633 3333 & 033 4409 9090.

• You are not entering the correct password OR
• You have made three unsuccessful login attempts and the User ID has been locked out for security reasons

As a security feature, if you make three wrong login attempts then your Company ID will be locked.
To unlock a Company ID, you are required to send an email from your registered email ID mentioning your customer ID and account number to customercare@bandhanbank.com or you can visit your base branch and request unlocking of the Company ID.

The steps for resetting your password are:
Step.1 On the CIB pre-login screen, select the hyperlink ‘Forgot Password’ which will navigate you to the ‘CIB-Reset Password’ page. Kindly enter your Company ID & User ID
Step.2 User will be prompted to enter OTP which will be sent to the registered mobile of user
Step.3 On successful validation of the OTP, the new password will be set successfully and same will be sent to registered email ID

The rules for setting passwords are:

• Login and transaction password should not be same
• Password should have a minimum of 8 characters and a maximum of 15 characters
• Password should contain at least 1 upper case alphabet
• Password should contain at least 1 lower case alphabet
• Password should contain at least 1 numeric character
• Password should contain at least 1 special character. Allowed characters are @ ,  # ;  * .  ! :
• Last three passwords should not be used

Yes. Passwords are case sensitive.

• Maker & Checker Login password - This is required for logging in to Corporate Internet Banking and to view account details and to initiate transactions
• Authorisation password - This is required for authorising transactions like fund transfers, beneficiary addition, deletion and for booking Fixed Deposit

On the CIB platform, you can transfer funds through various methods such as Internal Fund Transfer, NEFT, RTGS and IMPS to added beneficiaries.

Yes. You can schedule a transaction via CIB. The payment will get executed on the future time, as specified if sufficient fund is available in the account.

By default, the limits on Bandhan Bank’s CIB platform are:
At transaction level the limit is INR 10 lakh
At account level the limit is INR 1 crore per day
However, for enhancing your transaction-wise transfer limit or account level-wise transfer limit, then you are required to submit a change request letter on your company’s letterhead at your nearest branch.

The transactions should be approved till value date or 365 days whichever is earlier, by the authoriser.

No. As of now, international funds transfer facility is not available.

You are requested to call on our customer care number and check if your registered mobile number is correct. If the mobile number is incorrect, please visit your nearest Bandhan Bank branch with a request letter on the letterhead of your company.

Maximum 7000 records can be uploaded in one bulk file. You can upload multiple bulk file in a day as per your requirement.

Yes, you can add multiple accounts under one beneficiary.

Yes, the same is mandatory

The beneficiary will be activated instantly after authorization for making payment.

Offline statement provides the option to send statement on email if number of transactions are more than 500 for selected period as we are only displaying 500 transactions in screen.

Corporate needs to fill the CIB activation form and submit the same to branch for onward submission to Bank Central office.

List of features are as follows
View users
Activate and deactivate users
Reset login and authorization password

The security of your accounts is our top priority. Bandhan Bank uses the latest technology with robust security methods, including 128-bits SSL encryption, firewalls, and access blocking in case of repeated incorrect password entry, to ensure the security and confidentiality of your personal and financial information.
Other features include a separate login ID and password (exclusively owned by you); the Bank cannot access this ID or password. . Back and forward buttons are disabled for enhanced security. If the screen is inactive for 5 minutes, it automatically logs you out from Corporate Internet Banking platform.
Additionally, the Secure Access image and message also adds to security salience while logging in to the Bandhan Bank Corporate Internet Banking platform.

User will be informed using SMS and email on each failed attempt of login.

Always ensure your PC is updated with the latest anti-virus and operating system patches
Install a personal firewall and anti-spyware to protect your PC from internet attacks
Periodically change your online banking passwords, preferably every month
Review credit card and bank statements regularly and report any irregularities to the Bank
You report any suspicious or fraudulent e-mail/sites to the bank immediately
Always read the online security tips provided by the Bank from time to time

In case of unauthorised transaction in your account, please report it to customer care immediately at 1800 258 8181 or call us on 033 6633 3333 & 033 4409 9090.
You can also mail from your registered mail id to customercare@bandhanbank.com or report the incident to your nearest branch.

To view frequently asked questions related to Pension Fund Regulatory And Development Authority (PFRDA), click here

Bank’s existing retail and individual customers will be able to invest in mutual fund platform provided:

• Customer should have an active Bandhan Bank Internet Banking access against their CIF number.
• Customer should be KYC compliant prior to investing in mutual funds through Bandhan Bank Internet Banking.
• Customer account should not fall under the following segment:
  • Minor account
  • US/Canada Resident
  • Non Individual current account
  • Customer should have sufficient account balance, equals to or more than the investment amount to complete the purchase journey
  • Customer should have their registered mobile number active to receive OTP during investment transaction

Once all the above pre-requisites are adhered to, the user will be shown a notification regarding mutual fund platform redirection and will be taken to UCC registration page.

• On the UCC page, users will verify and confirm their profile information fetched from the bank’s database against their customer ID
• User will be asked to choose the bank account and relevant IFSC code that will be registered with BSE for subsequent mutual fund transaction
• Users will be also asked to provide other relevant profile-related details i.e. politically exposed personality, net worth, yearly income etc.

Once submitted, the user will complete the UCC registration with BSE and will be able to purchase and transact in mutual funds via this account.

Note- User will not be able to change the bank account for transactions once UCC registration with BSE is completed. In order to change the same, customer needs to visit their base branch.
 

Customer will be asked to perform a risk profiling once UCC registration is completed. The customer will be asked questions related to their assets, liabilities, and their risk appetite for the system to categories them under one of the following investor categories:

• Aggressive
• Growth
• Moderate
• Balanced
• Low

Basis the same, the user will be shown the minimum amount of investment and fund recommendation. Users can choose to invest in the same and alternatively, browse the investment dashboard to custom pick portfolio.

Only savings and current account (Individuals & Sole Proprietors) active accounts with the following mode of operations will be available for UCC registration process:

• Saving account Savings Account with the mode of operation as self, either or survivor, anyone and anyone singly or survivor should be shown.
• Customer with joint savings account with ownership as former and survivor, the former customer will only be able to do UCC registration.
• For customer with joint savings account with ownership as L/S (Later or Survivor), if the later logs in through his/her internet banking, only then the later will be allowed.
• In any account if a minor is the account holder, they will not be able to access investment module from internet banking.
• In case of current account, only sole proprietor current accounts will be allowed for UCC registration. Moreover, in case of current account if the account is in company’s name but mapped primary holder is the proprietor, then the proprietor's account will be eligible for UCC registration and transact in mutual funds.

Bandhan Bank Mutual Funds platform allows 4 types of funds for individual customers i.e. equity fund, liquid fund, tax savings fund and debt fund. For each type of fund option, we have both lump sum and SIP options of investment. This platform also provides an option for individuals to invest in NFO funds in both categories of investment i.e. lump sum and SIP.

We have introduced one-of-a-kind personal finance goal planning where customers will be able to plan their major financial goals related to retirement, marriage, child education, home, and vacation.

The customer will be able to provide the following details:

• Their financial goal, present income as well as % of increment
• Custom questionnaire to analyse the feasibility of their goals
• Custom goal achievability report with a defined rate of return
• Detailed breakdown of plan and amount to be saved as lump sum as well as SIP
• User can choose to change the amount basis their affordability and on basis of the system will curate the fund recommendation

Customer is allowed to import their consolidated portfolio report from:

• CAMS (https://mycams.camsonline.com/)
• KARVY    (https://mfs.kfintech.com/investor/General/ConsolidatedAccountStatement). The customer will have to follow the following steps :

1. For CAMS: Please follow the below steps:

• Request your CAS statement from Cams by logging in https://mycams.camsonline.com/
• Now Go to “Statements” and then on “Cas-All RTA’s
• Select your PAN
• Select Statement Type as “Detailed (Includes Transaction listing)”
• Select Period as “Specific Period”
• Select from Date as “01-Jan-1960” or your very first Mutual Fund investment date
• Select To Date as today’s date
• Select Folio Listing as “Without Zero Balances Folio’s”

2. For Karvy: Please follow the below steps

• Request your CAS statement from Karvy by going to https://mfs.kfintech.com/investor/General/ConsolidatedAccountStatement
• Select Statement Type as “Detailed”
• Select Period as “Specific Period"
• Select From Date as “01-Jan-1960” or your very first Mutual Fund investment date
• Select To Date as today’s date
• Enter your email ID
• Enter your PAN
• Enter a password to your PDF and provide it to us while uploading the PDF.
• Authenticate Captcha Information
• Click to Submit

Once the same is submitted and success message is shown, user can go to “Portfolio”> “CAS Management” > “External Portfolio” to view their portfolio.

However, they will not be able to withdraw or switch or perform any further activity on the same.

Users can add multiple funds to their cart and perform the transaction at a go or they can opt for “Buy Now” feature to browse and purchase.

• User needs to ensure that sufficient balance is maintained
• User goes through the T&C condition and click on “Confirm and Pay”
• User receives a one-time password (OTP) from Bandhan bank on their registered mobile number
• User submits the OTP and their order number will be visible
• User can alternatively view the order in the order book
• Customer will receive an email from the exchange post their purchase as well as a notification related to account debit transaction on their mobile
• Once the folio is allotted, the customer will receive an email from the respective fund house
• Once the order is accepted by exchange, the folio will be allotted on the value date of transaction within T+2 working days as per exchange folio allocation SLA

The cut-off time for receiving the Mutual Fund and SIP application form at bank’s end is 14:00:00 for non-liquid funds and 12:45:00 for liquid funds. In case any application/request is received by the bank after the cut off time prescribed by the bank or on a non-business day, or if the funds are received/credited in the Mutual Funds bank account post the above mentioned cut off then the NAV for the next business day (subject to the availability of funds for utilization) shall be applicable.

User will also have to switch funds as well as withdrawal options for invested funds from the portal. User can click on ‘Portfolio’ > ‘Portfolio Details’ and select the fund that they wish to switch to another fund or invest more in that.

Alternatively, they can redeem funds by clicking on withdraw and selecting units to be withdrawn. Upon OTP-based confirmation, user will receive funds in their registered bank account within T+2 working days as per exchange folio allocation/ redemption SLA.

When a customer places a SIP withdrawal request, subsequent orders will be triggered by exchange so in case of a SIP withdrawal by the customer, the exchange will not provide a subsequent record for the fund transfer process.
 

The following reports are available within the platform:

You can apply for Bandhan Bank Account through any of the below channels.

Please call on +91 33 6633 3333 OR 1800 258 8181 (Toll Free)

Place request through our website
Please contact  your nearest Bandhan Bank Branch.

You can access your Account through:

• Bandhan Bank branches
• Bandhan Bank ATMs
• Net Banking
• Phone Banking
• Mobile Banking

You can update your address through any of the following options:
Visit any Bandhan Bank branch and submit an application along with the address proof.
Send across a duly- filled & signed application along with address proof to the branch where you opened your account with an authorization letter.

We request you to follow the following procedure mentioned below to update you PAN number:
Step 1 : Submit a written request specifying your updated PAN number in any nearest Branch
Step 2 : Give a self-attested photocopy of your PAN card. (Please carry originals for verification)

Please visit your nearest Bandhan Bank branch and follow the below mentioned steps
Step 1 : Get an application form from the branch or downloaded a form from the website
Step 2 : Fill the application form duly signed by all the holders and submit it to your nearest branch.

Yes, you can set up standing instructions through your Bandhan Bank Account.

Please download Application Form or collect the same from the nearest Bandhan Bank Branch.
The Application Form should be duly filled and signed by the Account Holder/s.
Submit the duly filled Application Form at your nearest Branch.
On receipt of Form and successful verification, the new ATM/Debit Card PIN will be sent to your mailing address.

The account becomes dormant if there are no customer initiated transactions (excludes system generated transactions like credit interest, debit interest etc), in the account for a continuous period of two years. If the account status is 'Dormant', transactions through Direct Banking Channels like ATM, Net-Banking, Phone Banking are not be allowed by the Bank. Please contact your nearest Bandhan Bank Branch for activating your account.
Please visit your nearest Bandhan Bank Branch for further details and information.

Neo+ Digital Savings Account is the new age digital savings account offered by Bandhan Bank. All one needs are details such as Aadhaar card, original PAN card & other basic details. Since this process is done through video verification, kindly use a camera enabled device and stable internet connectivity.

Neo+ Digital Savings Account comes with the following benefits:

• Completely paperless and contactless account opening with video KYC
• Quick access to mBandhan mobile app and Internet Banking for online transactions
• Monthly average balance as low as ₹5,000
• Attractive and exclusive shopping offers
• Get Visa Classic Debit card on request
• Multi-city ‘at par’ cheques on request

The customers need to meet the below eligibility criteria in order to open Neo+ Digital Savings Account:

• Indian citizen with valid Aadhaar number and original PAN card having no existing relationship with Bandhan Bank
• Individual customers of age more than or equal to 18 years
• Account opening should be initiated from India only
• Front camera-enabled mobile device or laptop/desktop with camera and microphone
• Aadhaar should be linked to mobile number which is used for account opening

The following customers cannot open Neo+ Digital Savings Account:

• Non Resident Indian (NRI), Hindu Undivided Family (HUFs) and existing Bandhan Bank customers
• Minors (age less than 18 years)
• Customers not residing in India while opening account
• Non-Aadhaar holders 
• Aadhaar holders with no linked valid mobile number
• Individuals not having a valid PAN card
• Fatca reportable customers
• Politically exposed person
• Certain set of customers like persons operating with thumb impression, sick incapacitated customers or any persons wherein the bank requires additional controls /due diligence for safeguarding bank's/customers interest

Currently, Neo+ Digital Savings Account can only be opened for Single Account Holders.

It is voluntary to share your Aadhaar details to open the Digital Savings Account. In case you do not wish to share your Aadhaar details, you may visit your nearest Bandhan Bank Branch for opening a savings account. 

Your Neo+ Digital Savings Account allows you to access banking services online via Mobile & Internet banking. You may still visit the branch to avail other services.

Only valid email IDs are allowed to continue. Also, a single email ID can be used for maximum two Neo+ Digital Savings Account.

You will receive a Visa Classic Debit card (physical) which will be dispatched to your communication address once your account is activated. 

Debit card issuance fee is Rs 200 + GST. For debit card related charges you may visit the Standard schedule of charges section under Rates and Charges

You can visit the branch and opt for a debit card post opening the account.

It is good to have a nominee for your account. In case of unforeseen circumstances, your account funds can be transferred to the nominee without any hassle. You can, however, skip nominee details while opening the account and add at a later stage by visiting Bank Branch.

You will have an option to opt for a cheque book during the application process of Neo+ Digital Savings Account. If you wish to have a cheque book, please select 'Yes' during the process.

If there is a name mismatch between your Aadhaar and PAN card, then you will not be able to go ahead and complete the process of account opening. For any further assistance you may visit your nearest Bandhan Bank Branch or call toll-free no. 1800-258-8181.

Yes, your permanent and communication/mailing address can be different. The Aadhaar address will be captured as permanent address. And if communication address is different from Aadhaar address then with customer consent different communication address can be added.

You can visit Bandhan Bank branch and request for a passbook.

We request you to contact your nearest Bandhan Bank branch for further assistance or call toll-free no. 1800-258- 8181.

To check if your Aadhaar is linked to your mobile number, follow the steps mentioned below:

• Type GETOTP <SPACE> Last 4 digits Aadhaar-NUMBER-last-4-digits
• Send an SMS from Aadhaar registered mobile number to 1947
• Users can also verify from the UIDAI website - https://resident.uidai.gov.in/verify-email-mobile

You can initiate Neo+ Digital Savings Account opening 24*7.

Yes, video KYC is a completely secure process. The information you provide during a video call is encrypted with advanced technology. Additionally, with OTP verification and thorough video verification, we keep all your information secure.

You require the original PAN card, a mobile number linked Aadhaar number, and signature on white paper with black pen.

You do not need to upload any document. During the video call, you have to show the original PAN card to the bank executive for verification.

In case you were not able to complete your application process, you can click on the Neo+ Digital Savings Account opening link, verify your mobile number and resume your application process. You will also receive a video KYC link via SMS and email to restart or reschedule the video KYC call.

The minimum initial funding is ₹5,000. The required average monthly balance is ₹5,000. There are no penal charges for non-maintenance of the monthly average balance.

Initial funding should be done through the customer's own account with another Bank. The mediums available are:

• Debit card (except of Bandhan Bank)
• Net Banking (except of Bandhan Bank)
• UPI

Usually this happens when the bank does not receive the payment confirmation from the payment gateway. The amount debited will be refunded to the source account within 5-6 working days.

Please check if your debit card is enabled for online/e-commerce transactions. You can use the Internet Banking or Mobile Banking of the Bank to enable the same or alternatively, you can contact the customer care. You can also use net banking or UPI to make the payment for initial funding.

You should have the following things handy before starting with the video call:

• Well-lit and quiet place
• Good and stable internet connection
• Original PAN card
• Signature on white paper with black pen
• Mobile or laptop or desktop with a front camera, microphone and location enabled

You need to complete the video KYC process within 48 hours from the time of making the payment for the initial funding. You can schedule the video call as per the available time slot according to your convenience.

If you do not complete the call within 48 hours, your initial funding amount will be refunded and you can re-initiate the process from the beginning.

No, you need to click on the link of Neo+ home page which is mentioned in the SMS sent to you, verify your mobile number and start the call at the slot which you have booked for video call.

If the video KYC call drops in between because of any technical issue, you will get a link via SMS and email, to again join the call and complete the same. You can also re-schedule the video call as per the available time slot (within 48 hrs from time of payment) according to your convenience.

Post successful completion of the video KYC process, your application for account opening will be verified and processed with T+3 days where T is the successful initial payment date.

Once the Neo+ Digital Savings Account is opened and account details are shown, you can click on the 'Register on Internet Banking' button at the bottom to generate a reference number. You can then visit the Internet Banking login page (https://bandhanbankonline.com/netbanking/#/) and use the reference number shared over SMS during account opening to register for Internet Banking. 

You can use your Bandhan Bank Debit card details or Internet Banking credentials to register on mBandhan, Bandhan Bank’s Mobile Banking application.

To know the detailed list of fees & charges on your Neo+ Digital Savings Account, please click here https://bandhanbank.com/rates-charges#rctabone2

Yes, a customer can open both fixed deposit and recurring deposit accounts using either Internet Banking or mBandhan App or by visiting the branch. 
 

You can transfer funds from your Neo+ Digital Savings Account in several ways. You need to register & log in to Internet Banking or mBandhan mobile app and can transfer funds via NEFT, RTGS, IMPS or within bank transfer. You can also visit branch for funds transfer.

Our video KYC process is completely free. You will not be charged anything for availing the same.
 

The allowed browsers for the video call to be done with latest updated browser version are as follows:

• Windows laptop/desktop – Chrome, Edge, Firefox, Opera
• Android smartphone – Chrome, Edge, Firefox, Opera, Samsung Internet
• iOs Smartphone - Safari only
• iOS Macbook - Chrome only

• Step 1: Mobile verification -  Aadhaar linked mobile number will be verified via mobile OTP.
• Step 2: Email verification - Only 2 accounts will be allowed for opening with one email ID
• Step 3: PAN & Aadhaar Verification - PAN should be valid and Aadhaar needs to be verified via OTP
• Step 4: Personal details to be filled for setting up the account
• Step 5: Income details - Occupation and income details to be filled
• Step 6: Nominee - Nominee Details to be filled
• Step 7: Payment - Initial funding payment can be done from payment options such as internet banking, debit card, or UPI
• Step 8: video KYC - Upon successful funding of the account, you will be directed to the video KYC page, where Bandhan Bank official will initiate a video call for KYC. You will need to confirm availability for this call and also enable location, video & microphone access of the device.
   

Microbanking loans are extended to individual in the group formed by them. The group members shall satisfy the underwriting criteria prescribed by the Bank for being eligible for the loan.

Yes. The loan shall also be disbursed through the Savings Bank account

The loans shall be credited to your SB account. You can withdraw the amount at your convenience at your doorstep. Further, You can also visit the nearby Banking Unit of the Bank to draw cash from your SB account.

Yes, you can open only SB account.

No. A borrower can have any one of Suchana or Srishti outstanding at any given point in time.

Yes, you can set up standing instructions through your Bandhan Bank Account.

Working Capital & Term Loan for Manufacturing, Trading ,Service , Farm Credit and Agri allied activities

Submit your loan application with required documents at our nearest Branch and after complying all terms and conditions loan will be disbursed.We respect your privacy and hence we strictly adhere to our privacy terms .

For SME loans -
Duly filled Loan application form
Incorporation documents and Bank statements for the last 6 months.
KYC documents like ID Proof , address proof etc
Financial statements from the last two years.
Proof of address for office and factory.

For AGRI loans -
Duly Filled loan application forms
KYC documents like ID Proofs and address proof
Financial statements from the last two years if available.
Details of Land ,Equipment Etc

SME loans- Tenure of loan varies with type and quantum of loan, type of business activities etc. However tenure varies from one year to maximum seven years.
AGRI - Tenure of loan varies with type and quantum of loan, type of agricultural activities etc. However tenure varies from one year to maximum five years.

SME - Quantum of loan varies with type of business activities, collateral security structure etc. and based on Bank’s internal assessment
AGRI - Quantum of loan varies with type of agricultural land ,activities etc.

Yes.

Yes. You can take SME/ Agri loan irrespective of distance of residence from our branch/office set-up. Our concerned officials will extend necessary help/assistance for this purpose.

Our help line no is 033-66333333 and 1800-258-8181. On receiving call from you our help desk people will guide you accordingly. Furthermore, our Branch/Office people are always ready to guide you.

After receipt of all relevant documents/papers/information from the prospective customer,Bank will intimate its decision for sanction/rejection of loan proposal within maximum seven working days.

After the completion of all necessary post-sanction formalities by the borrower,we will remit the fund as per terms of sanction to the borrower immediately (within working hours of bank)

Composite loan in the form of Demand / Term loan for Manufacturing, Trading ,Service.

Submit your loan application with required documents at our nearest Branch or with concerned Relationship Officer and after complying all terms and conditions loan will be disbursed.
We respect your privacy and hence we strictly adhere to our privacy terms .

Loan upto Rs. 5 lakh :

• KYC,
• PAN Card,
• Simplified loan application form,
• Stock Statement ( In case of working capital loan)
• Trade license, if available,
• Bandhan Bank A/C,
• Loan above Rs. 5 lakh :
• KYC,
• PAN card
• Loan Application form,
• Stock Statement ( In case of working capital loan)
• Valid Trade License / shop & establishment or any other govt. registration certificate,
• ITR (including Balance Sheet and Profit & Loss statement),  and Estimated (C.Y.) (Self declared financial statement, if not available),
• Bandhan Bank A/C

Tenure of loan varies with type and quantum of loan, type of business activities etc. However tenure varies from one year to maximum three years.

loan ticket size above Rs. 1 – 10 lakh.

Yes.

Yes. You can take loan irrespective of distance of residence from our branch/office set-up. Our concerned officials will extend necessary help/assistance for this purpose.

Our help line no is 033-66333333 and 1800-258-8181 .On receiving call from you our help desk people will guide you accordingly. Furthermore, our Branch/Office people are always ready to guide you.

After receipt of all relevant documents/papers/information from the prospective customer, Bank will intimate its decision for sanction/rejection of loan proposal within maximum seven – ten working days.

After the completion of all necessary post-sanction formalities by the borrower,we will remit the fund as per terms of sanction to the borrower immediately (within working hours of bank).

Up to 60% of the market value of the property can be availed subject to eligibility norms being met.

Loan eligibility is based on your monthly disposable / surplus income and other conditions.

Minimum age of the borrower should be 21 years
Maximum age at loan maturity to be 75 years or retirement age, whichever is earlier.

Self-occupied Residential or Commercial property (Shops and Offices) can be considered as collateral

Loan tenure can be up to 30 years, depending on current age, and profile of the borrower.

Loan eligibility is based on your monthly disposable / surplus income.
 

Minimum age of the borrower should be 21 years.
Maximum age at loan maturity to be 75 years or retirement age, whichever is earlier.

Equated Monthly Instalments (EMIs) comprising both principal and interest.
 

Loan tenure can be up to 30 years, depending on current age, and profile of the borrower.

Yes, the property has to be insured against Fire and Allied perils for the entire tenure of the loan.