Frequently Asked Questions (FAQs)

Freedom

  • Home Loans
  • Loan Against Property
  • Microbanking
  • Small Enterprise Loans
  • SME & Agri Loans
  • Two Wheeler Loan

Growth

  • Accounts & Deposits
  • Mutual Funds
  • Neo+ Digital Savings Account
  • Atal Pension Yojana

Convenience

  • Corporate Internet Banking
  • mBandhan & Internet Banking
  • Neo+ Merchant
  • UPI
  • Cash Management Services
  • Debit Cards
  • TIN 2.0

Convenience

  • Corporate Internet Banking
  • mBandhan & Internet Banking
  • Neo+ Merchant
  • UPI
  • Cash Management Services
  • Debit Cards
  • TIN 2.0

  • Click on the ‘Register now’ button on the Internet Banking login page.
  • Enter your registered mobile number and click on 'Submit'.
    1. If you have only one customer ID linked with your registered mobile number, proceed to the next step.
    2. If you have multiple customer IDs linked to your registered mobile number, enter the customer ID that you are registering for, and click on 'Submit'.
  • Enter your debit card number, Expiry (MM/YYYY), and ATM PIN.
  • The OTP authentication screen will appear. Input the OTP (One-Time Password) that you received on your registered mobile number using text message, and click on 'Submit'.
  • You will then be redirected to the create login details page where you need to set a user ID and password for login.
  • After setting up your login details and clicking on 'Submit', your registration process will be complete.

  • Download mBandhan app from Play Store or App Store. Launch the app, approve the mandatory permissions, and click on 'Get started'.
  • The app will ask for permission to bind your SIM. Please select the SIM registered with the Bank and approve to proceed with SIM authentication. (If you have multiple customer IDs attached to your registered mobile number, you will need to enter the customer ID you are registering for.)
  • Confirm the mobile number and proceed.
  • Enter your debit card number, Expiry date (MM/YYYY), and ATM PIN.
  • The next screen will prompt for OTP authentication. Input the OTP (One Time Password) received on your registered mobile number using text message and click on 'Submit'.
  • You will be redirected to the 'Create Login Details' page. Set your User ID and Password for log in and click on 'Submit'.
  • Next, you will be redirected to the 'Set mPIN' page. Enter and re-enter the mPIN to confirm.
  • After setting up your login details and clicking on 'Submit', you will be redirected to the 'Set Alternate Login Option' page. The app will offer you three other ways to log in to mBandhan app: fingerprint, pattern, and face recognition.
  • You can select any of the above options for alternate login or skip the setup for now and set your alternate login later from within the app.
  • If you choose to set up an alternate login option, the app will ask for permission to store the pattern, fingerprint, or face ID on the device.
  • After granting the necessary permissions, set up the pattern, fingerprint, or face ID. Once confirmation is complete, you will be successfully registered in the system to access the mBandhan app.
     

  • Click on the ‘Register now’ button on the Internet Banking login page.
  • Enter your registered mobile number and click on 'Submit'.
    1. If you have only one customer ID linked with your registered mobile number, proceed to the next step.
    2. If you have multiple customer IDs attached to your registered mobile number, enter the customer ID you are registering for and click on 'Submit'.
  • Enter your date of birth, PAN, and mother’s maiden name.
  • The OTP authentication screen will appear. Input the OTP (One Time Password) that you received on your registered mobile number using text message and click on 'Submit'.
  • You will then be redirected to the create login details page, where you need to set your user ID and password for login.
  • After setting up your login details and clicking on 'Submit', your registration process will be complete.
     

  • Download the mBandhan app from the Playstore or Appstore. Launch the app, approve the mandatory permissions, and click on ‘Get started’.
  • The app will ask for permission to bind your SIM. Please select the SIM registered with the Bank and provide approval to proceed with SIM authentication. (If you have multiple customer IDs attached to your registered mobile number, you need to enter the customer ID that you are registering for.)
  • Confirm the mobile number and proceed.
  • Enter your date of birth, PAN, and mother’s maiden name.
  • The next screen will be for OTP authentication. Input the OTP (One-Time Password) that you received on your registered mobile number via text message and click on ‘Submit’.
  • You will be redirected to the "Create Login Details" page where you need to set a User ID and Password for login, and then click on ‘Submit’.
  • After that, you will be redirected to the "Set mPIN" page. Enter and confirm the mPIN.
  • After setting up your login details and clicking on submit, you will be redirected to the "Set Alternate Login Option" page where the app will give you three other ways to log in to mBandhan app using fingerprint, pattern, or face recognition.
  • You will have to select any of the above options for alternate login, or you can skip the setup for now and set your alternate login later from the app itself.
  • If you choose any of the options to set up alternate login, the app will ask for access permission to store the pattern, fingerprint, or face ID on the device.
  • After granting the necessary permissions, set up the pattern, fingerprint, or face ID. Once the confirmation is done, you will be successfully registered in the system for accessing mBandhan app.

  • Login with User ID and Password
    1. Input your User ID and Password on the Login screen, then click on 'Get OTP.'
    2. If you have entered incorrect details, re-enter the User ID and Password along with the Captcha, then click on 'Get OTP.'
    3. In the next step, the OTP authentication screen will appear. Input the OTP that you have received via text message on your registered mobile number and click on 'Submit.'
  • Login with mPIN
    1. Input your registered mobile number and mPIN on the Login screen, then click on 'Get OTP.'
    2. In the next step, the OTP authentication screen will appear. Input the OTP that you have received via text message on your registered mobile number and click on 'Submit.'
       

  • Login using User ID and password - Input your User ID and password on the login screen, then click on ‘LOGIN’.
  • Login using mPIN - Input your correct mPIN. You will be redirected to the dashboard.
  • Login using Touch ID - Click on the touch icon and provide your fingerprint to the device. You will be redirected to the dashboard.
  • Login using Face ID - Click on the face icon and provide your Face ID to the device. You will be redirected to the dashboard.
  • Login using pattern - Click on the pattern icon and provide the set pattern. You will be redirected to the dashboard.

  • Click on the hamburger menu (three lines near the Bandhan Bank logo) at the top left corner of the dashboard. Then, go to ‘Cards’ and click on ‘Debit Cards’. Alternatively, you can go to ‘Debit Cards’ from the ‘Quick Links’ option on the dashboard.
  • You will see all your debit cards on the screen. Click on the three-dot option at the top right corner of the screen, where you will find the option called "Apply for new debit card." Click on it.
  • You will be directed to the Apply Debit Card screen. Select the card you want to apply for from the drop-down list, tick the T&C checkbox, and click on ‘Submit’.
  • You will be redirected to the confirmation screen. Validate the details and click on ‘Confirm’.
  • In the next step, the OTP authentication screen will appear. Enter the OTP that you received via text message on your registered mobile number and click on ‘Submit’.
  • Your request for a new debit card will be submitted successfully.

  • Click on the hamburger menu (3 lines near the Bandhan Bank logo) at the top left corner of the dashboard and go to ‘Cards’, then click on ‘Debit Cards’. Alternatively, go to ‘Debit Cards’ from the ‘Quick Links’ option on the dashboard.
  • You will see all your debit cards on the screen. Click on the three dots at the top right corner of the debit card widget for the card for which you want to set or reset the PIN. You will find an option called ‘Generate PIN’; click on it.
  • Enter the ‘Card expiry’, ‘CVV number’, and either ‘Date of Birth’ or ‘PAN’, then click on the ‘Validate’ button.
  • Enter the new debit card PIN and click on ‘Submit’.
  • In the next step, the OTP authentication screen will appear. Input the OTP that you have received via text message on your registered mobile number and click on ‘Submit’.
  • Your request for a new debit card PIN generation will be successful.

  • Click on the hamburger menu (three lines near the Bandhan Bank logo) at the top left corner of the dashboard and go to ‘Cards’, then click on ‘Debit Cards’. Alternatively, go to ‘Debit Cards’ from the ‘Quick Links’ option on the dashboard.
  • You will see all your debit cards on the screen. Click on the three-dot option at the top right corner of the debit card widget for the card whose limit you want to modify. You will find an option called ‘Manage limits and preferences’. Click on it.
  • Set your limits and preferences, and then click on ‘Submit’.
  • You will be redirected to the confirmation screen where you need to validate the details you have changed and click on ‘Confirm’.
  • In the next step, the OTP authentication screen will appear. Input the OTP that you have received via text message on your registered mobile number and click on ‘Submit’.
  • Your request to change the debit card limit will be successful.

  • Click on the hamburger menu (3 lines near the Bandhan Bank logo) at the top left corner of the dashboard, go to ‘Cards,’ and then click on ‘Debit Cards.’ Alternatively, go to ‘Debit Cards’ from the ‘Quick Links’ option on the dashboard.
  • You will see all your debit cards on the screen. Click on the three-dot option at the top right corner of the debit card widget for the card you want to upgrade. You will find an option called ‘Upgrade card.’ Click on it.
  • On the upgrade card screen, choose the card preferences available to you, tick the T&C checkbox, and then click ‘Submit.’
  • You will be redirected to the confirmation screen where you need to validate the details you have selected and then click on ‘Confirm.’
  • In the next step, the OTP authentication screen will appear. Input the OTP that you have received via text message on your registered mobile number and click on ‘Submit.’
  • Your request for upgrading the debit card will be successful. You will receive the new card at your communication address.
     

  • Beneficiary NEFT Transfer - Navigation from hamburger menu:

Click on the three lines near the Bandhan Bank logo on the dashboard and follow the path below:
Fund Transfer → Beneficiary Transfer → Select Other Bank Beneficiary from the drop-down menu.

  • Beneficiary NEFT Transfer - Navigation from the dashboard:

Click on 'Transfer money' from the 'Fund Transfer' widget on the dashboard → Select Other Bank Beneficiary from the drop-down menu.
OR
Write 'Beneficiary Transfer' in the search bar → Click on the Beneficiary Transfer option → Select Other Bank Beneficiary from the drop-down menu.

Beneficiary NEFT Transfer - Steps to perform NEFT fund transfer:

  • Navigate to ‘Beneficiary Transfer’ -> Select ‘Other Bank Beneficiary’ from the drop-down menu.
  • Select the ‘Transfer From’ account if you have multiple accounts with Bandhan Bank.
  • Provide the ‘Amount’.
  • Select ‘NEFT’ as the ‘Transaction Type’ from the drop-down menu.
  • Select ‘Now’ in the ‘Transfer When’ field.
  • Provide some remarks in the ‘Note’.
  • Click on ‘Submit’.
  • A review screen will appear with a pop-up of a ‘Suggestive Transfer Date’.
  • Click ‘OK’ on the pop-up.
  • Click on ‘Confirm’.
  • Enter the 6-digit OTP sent to you via SMS for Internet Banking or the 6-digit mPIN for mBandhan app.
  • A successful screen will appear.
     

  • Adhoc NEFT Transfer - Navigation from hamburger menu:

Click on the three lines near the Bandhan Bank logo in dashboard and follow the below path
Fund Transfer  > Adhoc Transfer > Other Bank.

  • Adhoc NEFT Transfer - Navigation from the dashboard:

Write ‘Adhoc Transfer’ in the search > Click on the Adhoc Transfer option > Select Other Bank.
 

Adhoc NEFT Transfer - Steps to perform an NEFT fund transfer:

  • Navigate to 'Ad-hoc Transfer' -> Select 'Other Bank'.
  • Select 'NEFT' as the 'Transaction Type' from the drop-down menu.
  • Choose the beneficiary's 'Account Type' from the drop-down menu.
  • Enter the beneficiary's 'Account Number'.
  • Confirm the beneficiary's account number in the 'Confirm Account Number' field.
  • Provide the beneficiary's 'Account Name'.
  • Enter the beneficiary's account 'IFSC Code'.
  • Verify the entered 'IFSC Code'.
  • Select 'Now' as the option in the 'Transfer When' field.
  • Choose the 'Transfer From' account, if you have multiple accounts with Bandhan Bank.
  • Input the 'Amount'.
  • Include remarks in the 'Note' section.
  • Click on 'Submit'.
  • A review screen will appear with a pop-up of the 'Suggestive Transfer Date'.
  • Click 'OK' on the pop-up.
  • Click on 'Confirm'.
  • An OTP will be requested as two-factor authentication.
  • Provide a valid OTP and click on 'Submit'.
  • A successful screen will appear.
     

  • Beneficiary IFT Transfer - Navigation from hamburger menu:

Click on the three lines near the Bandhan Bank logo in dashboard and follow the path below:
Fund Transfer > Beneficiary Transfer > Select ‘Within Bank Beneficiary’ from the drop down menu.

  • Beneficiary IFT Transfer - Navigation from the dashboard:

Click on ‘Transfer money’ from the ‘Fund Transfer’ widget in the dashboard > select ‘Within Bank Beneficiary’ from drop down menu.
OR
Write ‘Beneficiary Transfer’ in the search bar > Click on the ‘Beneficiary Transfer’ option > Select ‘Within Bank Beneficiary’ from the drop down menu.

  • Beneficiary IFT Transfer - Steps to perform an IFT fund transfer:
  • Navigate to ‘Beneficiary Transfer’ and select ‘Within Bank Beneficiary’ from the drop-down menu.
  • Choose the ‘Transfer From’ account if you have multiple accounts with Bandhan Bank.
  • Enter the ‘Amount’.
  • Select ‘Now’ in the ‘Transfer When’ field.
  • Add some remarks in the ‘Note’ section.
  • Click on ‘Submit’.
  • A review screen will appear with a pop-up of a ‘Suggestive Transfer Date’.
  • Click ‘OK’ on the pop-up.
  • Click on ‘Confirm’.
  • Enter the 6-digit OTP sent to you via SMS for Internet Banking or the 6-digit mPIN for mBandhan app, then click on ‘Submit’.
  • A successful screen will appear.

  • Adhoc IFT Transfer - Navigation from the hamburger menu:

Click on the three lines near the Bandhan Bank logo on the dashboard and follow the path below:
Fund Transfer → Adhoc Transfer → Within Bank.

  • Adhoc IFT Transfer - Navigation from the dashboard:

Type 'Adhoc Transfer' in the search bar → Click on the Adhoc Transfer option → Select Within Bank.

  • Adhoc IFT Transfer - Steps to perform an IFT funds transfer:
  • Navigate to 'Adhoc Transfer' -> Select 'Within Bank'
  • Provide the beneficiary's account number.
  • Confirm the beneficiary's account number in 'Confirm Account Number.'
  • Provide the beneficiary's account name.
  • Select 'Now' in the 'Transfer When' field.
  • Choose the 'Transfer From' account, if you have multiple accounts with Bandhan Bank.
  • Provide the amount.
  • Add some remarks in the 'Note' section.
  • Click on 'Submit.'
  • A review screen will appear, showing a pop-up of the 'Suggestive Transfer Date.'
  • Click 'OK' on the pop-up.
  • Click on 'Confirm.'
  • OTP will be requested as two-factor authentication.
  • Provide a valid OTP and click on 'Submit.'
  • A success screen will appear.
     

  •  Beneficiary IMPS Transfer - Navigation from hamburger menu:

Click on the three lines near the Bandhan Bank logo in the dashboard and follow the below path:
Fund Transfer -> Beneficiary Transfer -> Select Other Bank Beneficiary from the dropdown.

  •  Beneficiary IMPS Transfer - Navigation from the dashboard:

Click on 'Transfer money' from the 'Fund Transfer' widget in the dashboard -> select 'Other Bank Beneficiary' from the dropdown.
OR
Write 'Beneficiary Transfer' in the search -> Click on the 'Beneficiary Transfer' option -> Select 'Other Bank Beneficiary' from the dropdown.

Beneficiary IMPS Transfer - Steps to perform IMPS fund transfer:

  • Navigate to ‘Beneficiary Transfer’ and select 'Other Bank Beneficiary' from the drop-down menu.
  • Choose the ‘Transfer From’ account if you have multiple accounts with Bandhan Bank.
  • Enter the ‘Amount’.
  • Select ‘IMPS’ as the ‘Transaction Type’ from the drop-down menu.
  • Choose ‘Now’ under ‘Transfer When’.
  • Add some remarks in the ‘Note’ field.
  • Click ‘Submit’.
  • A review screen will appear with a pop-up showing a ‘Suggestive Transfer Date’.
  • Click ‘OK’ on the pop-up.
  • Click on ‘Confirm’.
  • Enter the 6-digit OTP sent to you via SMS for Internet Banking or the 6-digit mPIN for mBandhan app, then click on ‘Submit’.
  • A successful screen will appear.

  • Adhoc IMPS Transfer - Navigation from hamburger menu:

Click on the three lines near the Bandhan Bank logo on the dashboard and follow the below path: Fund Transfer > Adhoc Transfer > Other Bank.

  • Adhoc IMPS Transfer - Navigation from dashboard:

Enter 'Adhoc Transfer' in the search bar > Click on the Adhoc Transfer option > Select Other Bank.
 

Adhoc IMPS Transfer - Steps to Perform IMPS Fund Transfer:

  • Navigate to ‘Adhoc Transfer’ → Select ‘Other Bank’.
  • Choose ‘IMPS’ as the ‘Transaction Type’ from the drop-down menu.
  • Select the beneficiary's ‘Account Type’ from the drop-down menu.
  • Enter the beneficiary's ‘Account Number’.
  • Confirm the beneficiary's account number in the ‘Confirm Account Number’ field.
  • Provide the beneficiary's ‘Account Name’.
  • Enter the beneficiary's account ‘IFSC Code’.
  • Verify the entered ‘IFSC Code’.
  • Select ‘Now’ as the option in the ‘Transfer When’ field.
  • Choose the ‘Transfer From’ account if you have multiple accounts with Bandhan Bank.
  • Enter the ‘Amount’ to be transferred.
  • Add some remarks in the ‘Note’ section.
  • Click on ‘Submit’.
  • A review screen will appear with a pop-up of the ‘Suggestive Transfer Date’.
  • Click ‘OK’ on the pop-up.
  • Click on ‘Confirm’.
  • OTP will be required as two-factor authentication.
  • Enter the valid OTP and click on ‘Submit’.
  • A successful screen will appear.

  • Beneficiary RTGS Transfer - Navigation from hamburger menu:

Click on the three lines near the Bandhan Bank logo on the dashboard and follow the below path:
Fund Transfer -> Beneficiary Transfer -> Select "Other Bank Beneficiary" from the drop-down menu.

  • Beneficiary RTGS Transfer - Navigation from dashboard:

Click on "Transfer money" from the "Fund Transfer" widget on the dashboard -> Select "Other Bank Beneficiary" from the drop-down menu.
OR
Type "Beneficiary Transfer" in the search bar -> Click on the "Beneficiary Transfer" option -> Select "Other Bank Beneficiary" from the drop-down menu.

Beneficiary RTGS Transfer - Steps to Perform RTGS Fund Transfer:

  • Navigate to ‘Beneficiary Transfer’ → Select 'Other Bank Beneficiary' from the drop-down.
  • Select the ‘Transfer From’ account if you have multiple accounts with Bandhan Bank.
  • Provide the ‘Amount’.
  • Select ‘RTGS’ as the ‘Transaction Type’ from the drop-down.
  • Choose 'Now' in the 'Transfer When' field.
  • Provide some remarks in the ‘Note’.
  • Click on ‘Submit’.
  • A review screen will appear with a pop-up of ‘Suggestive Transfer Date’.
  • Click ‘OK’ on the pop-up.
  • Click on ‘Confirm’.
  • Enter the 6-digit OTP sent to you via SMS for Internet Banking or the 6-digit mPIN for mBandhan app, then click on ‘Submit’.
  • A successful screen will appear.

  • Beneficiary Addition - Navigation from hamburger menu:

Click on the three lines near the Bandhan Bank logo on the dashboard and follow the below path:
Fund Transfer ➔ Beneficiary ➔ Add Beneficiary ➔ Add Bank Account Beneficiary
Select ‘Within Bank’ if the beneficiary account belongs to Bandhan Bank or select ‘Other Bank if the beneficiary account belongs to another bank.

  • Sub-Beneficiary Addition - Navigation from hamburger menu:

If a beneficiary has 2-3 accounts, you can add all the accounts under the same beneficiary name as ‘Sub Beneficiary’.
Click on the three lines near the Bandhan Bank logo on the dashboard and follow the below path:
Fund Transfer ➔ Beneficiary ➔ Manage Beneficiary ➔ Click the ‘>’ symbol against the Beneficiary Name under which you want to add another account ➔ Click ‘Add New Account’.
Select ‘Within Bank’ if the beneficiary account belongs to Bandhan Bank or select ‘Other Bank if the beneficiary account belongs to another bank.

  • Sub Beneficiary Addition - Navigation from dashboard:

Click on ‘Manage Beneficiaries’ from the ‘Fund Transfer’ widget on the dashboard.
Click the ‘>’ symbol against the Beneficiary Name under which you want to add another account ➔ Click ‘Add New Account’.
Select ‘Within Bank’ if the beneficiary account belongs to Bandhan Bank or select ‘Other Bank if the beneficiary account belongs to another bank.

  • Beneficiary Addition - Navigation from dashboard:

Type ‘Add Beneficiary’ in the search ➔ Click on the ‘Add Beneficiary’ option.
Select ‘Within Bank’ if the beneficiary account belongs to Bandhan Bank or select ‘Other Bank if the beneficiary account belongs to another bank.
 

  • Navigate to the Beneficiary Addition screen and select the ‘Within Bank’ option.
  • Provide the ‘Beneficiary Name’.
  • Enter the ‘Account Number’ of the beneficiary.
  • Confirm the account number of the beneficiary in the ‘Confirm Account Number’ field.
  • Provide the ‘Account Name’ of the beneficiary.
  • Enter the ‘Nickname’ of the Beneficiary.
  • Click on ‘Submit’.
  • The review screen will appear.
  • Click on ‘Confirm’.
  • OTP will be requested as two-factor authentication.
  • Provide a valid OTP then click on ‘Submit’.
  • The successful screen will appear.

OR

  • Navigate to the Sub-Beneficiary Addition screen and select the ‘Within Bank’ option.
  • Enter the ‘Account Number’ of the beneficiary.
  • Confirm the account number of the beneficiary in the ‘Confirm Account Number’ field.
  • Provide the ‘Account Name’ of the beneficiary.
  • Enter the ‘Nickname’ of the Beneficiary.
  • Click on ‘Submit’.
  • The review screen will appear.
  • Click on ‘Confirm’.
  • OTP will be requested as two-factor authentication.
  • Provide a valid OTP and click on ‘Submit’.
  • The successful screen will appear.
     

  • Navigate to the Beneficiary Addition screen and select the ‘Other Bank’ option.
  • Provide the ‘Beneficiary Name’.
  • Select the ‘Transaction Type’ from the dropdown menu.
  • Select the beneficiary’s ‘Account Type’ from the dropdown menu.
  • Enter the ‘Account Number’ of the beneficiary.
  • Confirm the account number of the beneficiary in the ‘Confirm Account Number’ field.
  • Provide the ‘Account Name’ of the beneficiary.
  • Enter the beneficiary's account ‘IFSC Code’.
  • Verify the ‘IFSC Code’.
  • Enter the ‘Nickname’ of the Beneficiary.
  • Click on ‘Submit’.
  • The review screen will appear.
  • Click on ‘Confirm’.
  • OTP will be requested as two-factor authentication.
  • Provide a valid OTP and click on ‘Submit’.
  • The successful screen will appear.

OR

  • Navigate to the Sub-Beneficiary Addition screen and select the ‘Other Bank’ option.
  • Select the ‘Transaction Type’ from the dropdown menu.
  • Select the beneficiary’s ‘Account Type’ from the dropdown menu.
  • Enter the ‘Account Number’ of the beneficiary.
  • Confirm the account number of the beneficiary in the ‘Confirm Account Number’ field.
  • Provide the ‘Account Name’ of the beneficiary.
  • Enter the beneficiary's account ‘IFSC Code’.
  • Verify the ‘IFSC Code’.
  • Enter the ‘Nickname’ of the Beneficiary.
  • Click on ‘Submit’.
  • The review screen will appear.
  • Click on ‘Confirm’.
  • OTP will be requested as two-factor authentication.
  • Provide a valid OTP and click on ‘Submit’.
  • The successful screen will appear.
     

  • Navigate to the Edit beneficiary section.
    1. Click on the three lines near the Bandhan Bank logo on the dashboard.
    2. Follow the path: Fund Transfer ➔ Beneficiary ➔ Manage Beneficiary.
    3. Click the ‘>’ symbol next to the Beneficiary Name.
    4. Click on the ‘three dots’ next to each beneficiary account.
    5. Choose ‘View/edit’ and click on the ‘Pen’ symbol.

OR

  1. Click on ‘Manage Beneficiaries’ from the ‘Fund Transfer’ widget on the dashboard.
  2. Click the ‘>’ symbol next to the Beneficiary Name.
  3. Click on the ‘three dots’ next to each beneficiary account.
  4. Choose ‘View/edit’ and click on the ‘Pen’ symbol.

OR

  1. Write ‘Manage Beneficiary’ in the search bar.
  2. Click on ‘Manage Beneficiary’ option.
  3. Click the ‘>’ symbol next to the Beneficiary Name.
  4. Click on the ‘three dots’ next to each beneficiary account.
  5. Choose ‘View/edit’ and click on the ‘Pen’ symbol.
  6. Edit the Transaction type, Account Type, Account Name, IFSC Code, and Account Nickname for Other bank beneficiaries. 

OR

  • Edit the Nickname for within Bank beneficiaries.
  • Click on ‘Submit’. 
  • Review screen will appear. 
  • Click on ‘Confirm’. 
  • OTP will be asked for two-factor authentication. 
  • Provide a valid OTP , then click on ‘Submit’. 
  • A successful screen will appear.

  • Setup Standing Instruction - Navigation from the hamburger menu:

Click on the three lines near the Bandhan Bank logo on the dashboard and follow the path below:
Fund Transfer -> Standing Instruction -> Set Standing Instruction

  • Setup Standing Instruction - Navigation from the dashboard:

Click on 'View Standing Instruction' in the 'Fund Transfer' widget on the dashboard -> Set Standing Instruction
OR
Type 'Standing Instruction' in the search bar -> Click on the 'Standing Instruction' option -> Set Standing Instruction"

  • Navigate to the ‘Set Standing Instruction’ screen.
  • Select ‘Transfer Type’ as ‘Existing Beneficiary’.
  • Choose the beneficiary from the dropdown menu.
  • If you have multiple accounts with Bandhan Bank, select the ‘Transfer From’ account.
  • Choose the ‘Transfer Frequency’ from the dropdown menu.
  • Select the desired start date from the calendar.
  • Select the desired end date from the calendar.
  • Provide any necessary remarks in the ‘Note’ section.
  • Click on ‘Submit’.
  • A review screen will appear.
  • Click on ‘Confirm’
  • Enter the 6-digit OTP sent to you via SMS for Internet Banking or the 6-digit mPIN for mBandhan app, then click on ‘Submit’.
  • A success screen will appear.
     

  • Click on the Hamburger Menu OR Click on “Update Email ID” under the Service Request tab on the Dashboard.
  • Click on Service Requests.
  • Click on the Update Email ID option.
  • Edit the displayed email ID to update it, or enter the new email ID if it's not already present.
  • Click the Submit button to proceed, or Cancel to cancel the update.
  • Review the details on the Review screen.
  • Click to Confirm to proceed, Cancel to cancel the update, or Back to return to the previous page.
  • Enter the 6-digit OTP sent to you via SMS for Internet Banking or the 6-digit mPIN for mBandhan app, then click on ‘Submit’.
  • Upon successful submission, the Success screen will display an onscreen message confirming the update.

  • Click on the Hamburger Menu.
  • Select 'Service Requests.'
  • Choose the 'Update PAN' option.
  • Enter your PAN.
  • Click the 'Submit' button to proceed, the 'Cancel' button to abort the update, or the 'Back' button to return to the previous page.
  • Review the details displayed on the Review screen.
  • Click the 'Confirm' button to proceed, the 'Cancel' button to abort the update, or the 'Back' button to return to the previous page.
  • Enter the 6-digit OTP sent to you via SMS for Internet Banking or the 6-digit mPIN for mBandhan app, then click on ‘Submit’. r the 'Cancel' button to abort.
  • Upon successful submission, the Success screen will appear, displaying an on-screen success message confirming the update.
     

  • Click on the Hamburger Menu.
  • Click on Service Requests.
  • Click on the "Update Communication Address" option.
  • Click on the "Update" button to proceed, and click the "Cancel" button to cancel the update.
  • Read all the disclaimer points on this page before proceeding.
  • Choose the "Offline Update" radio button.
  • Click the "Proceed to Update" button to proceed, or click the "Cancel" button to cancel the update.
  • Enter your new address to be updated. The first two address lines are compulsory.
  • Choose the country from the dropdown list.
  • Choose the state from the dropdown list.
  • Either enter the name of the city, or click on the magnifying glass search symbol to enter the city name and search.
  • You need to enter a minimum of three letters of the city name to search it from the dropdown list.
  • Select the city name from the dropdown list, and it will populate in the "City" field automatically.
  • You can click the "Clear" button to clear the city name if typed wrongly and search again.
  • Close the pop-up box.
  • Enter the six-digit PIN Code.
  • Click on the "Update" button to proceed, and click the "Cancel" button to cancel the update.
  • Select the document to be uploaded from the dropdown.
  • Enter the KYC Document number of the selected document. If Aadhaar is selected as the document, enter only the last four digits of your Aadhaar number.
  • Click on the upload document arrow symbol to choose your saved document from your system’s files/folders.
  • Click on the document to select it.
  • The document will get attached to your request. Wait until the file gets attached to your request and shows up on the screen.
  • Read the disclaimers on the screen before clicking "Submit" to proceed, and click "Back" to go back to the previous screen.
  • Check the details on the Review screen.
  • Enter the 6-digit OTP sent to you via SMS for Internet Banking or the 6-digit mPIN for mBandhan app. 
  • Click the "Submit" button to submit, or click the "Cancel" button to cancel the update.
  • Upon successful submission, the Success screen will appear with the on-screen success message for your updation request being submitted successfully.
  • Please go to Account Settings on the Hamburger Menu, click on Profile to check if your new communication address has been updated after a minimum of 48 working hours from the time of submission of your request.
     

  • Click on the Hamburger Menu, or click on “Cheque Book Request” under the Service Request tab on the Dashboard.
  • Click on Service Requests.
  • Click on the Cheque Book Request option.
  • Choose the Current or Savings account from the dropdown for which you want to order a Cheque Book.
  • Select the number of Cheque books that you want to order for that account.
  • Click on the Submit button to submit your request and the Cancel button to cancel your request.
  • Check the details on the Review page.
  • Click the Confirm button to proceed, the Cancel button to cancel the update, or the Back button to return to the previous page.
  • Enter the 6-digit OTP sent to you via SMS for Internet Banking or the 6-digit mPIN for mBandhan app, then click on ‘Submit’. or the Cancel button to cancel the request.
  • Upon successful submission, the Success screen will appear with the on-screen success message for your Cheque Book request being placed successfully with the Bank.
  • You will receive the Cheque Book at your Delivery Location within the prescribed TAT of the Bank.
     

  • Click on the Hamburger Menu or Click on “Stop/Revoke Stop cheque” under the Service Request tab on the Dashboard.
  • Click on Service Requests.
  • Click on the Stop/Revoke Stop cheque option.
  • Choose the Current or Savings account from the dropdown for which you want to Stop the cheque.
  • Select the “Stop” radio button.
  • Choose the reason for stopping the cheque from the dropdown.
  • Enter the 6-digit cheque number that you want to Stop. You can enter a minimum of 1 digit, which is the last digit of the cheque number. In that case, the rest of the 5 digits will automatically get padded with zeroes.
  • Click the Submit button to proceed or the Cancel button to cancel the cheque Stop request.
  • Check the details on the Review page.
  • Click the Confirm button to proceed, the Cancel button to cancel the update, or the Back button to return to the previous page.
  • Enter the 6-digit OTP sent to you via SMS for Internet Banking or the 6-digit mPIN for mBandhan app, then click on ‘Submit’. or the Cancel button to cancel the request.
  • Upon successful submission, the Success screen will appear with the onscreen success message confirming that your Cheque has been successfully Stopped.
     

  • Click on the Hamburger Menu, OR Click on the “View details” on the “Current & Savings” card on the Dashboard. It will take you to the CASA account details page. Click the 3-dot menu on the top right-hand corner & click on the Current & Savings Account Statement.
  • Click on Accounts and Loans.
  • Click on Current and Savings.
  • Click on Current and Savings Account Statement.
  • Choose the Current or Savings account from the dropdown for which you want to generate the Statement.
  • Select the Statement period from the dropdown. Choose the “From” & “To” dates if you select the “Date Range” option. The period selected should not exceed 366 days.
  • Select the Transaction Type.
  • Amount & Reference Number fields are purely optional.
  • Click the Apply button to proceed, & Reset button to clear your previous selections and re-select them again.
  • If the transactions for the selected statement period <500 in count, then the transactions will display on the screen.
  • You will find “Download” written below the “Opening & Closing Balance”.
  • Click on download.
  • Select the Statement format that you wish to download – CSV or PDF.
  • If you click on CSV, it will open the CSV format of your downloaded Statement. You can choose to save this file in your system.
  • If you select PDF, then a Password combination pop-up will appear on the screen. Read it carefully.
  • The PDF copy of the CASA Statement is a password-protected file for an extra layer of security.
  • Enter the correct password combination as stated in the Password combination pop-up.
  • Click on Open to open the PDF or Cancel to cancel the PDF opening.
  • You can choose to save this file in your system.
  • None of your downloaded statements will be sent to your registered e-mail ID automatically.
  • If the transactions for the selected statement period >500 in count, then a pop-up will appear asking you to go to the CASA Statement Request Tracker.
  • As soon as you click on the “OK” button in this pop-up box, you will be redirected to the CASA Statement Request Tracker.
  • You can download your Statement by clicking on “Download” when it appears under the Status.
  • This Statement shall get fetched & downloaded in the same format (CSV/PDF) that you had selected in the previous screen.
  • The PDF downloaded from this screen is not password-protected.
  • If the transactions for the selected statement period >5000 in count, then you will be asked to visit the branch.
     

  • Click on the Hamburger menu.
  • Select the Certificates option.
  • Choose Download TDS Report.
  • Select the Financial Year from the dropdown menu.
  • Click on the Apply button to proceed or the Reset button to select another Financial Year.
  • The TDS Report for all your Fixed Deposits for the selected Financial Year will appear on the next screen.
  • Click on Download.
  • A Password combination pop-up will appear on the screen. Read it carefully.
  • The PDF copy of the TDS Report is a password-protected file for an extra layer of security.
  • Enter the correct password combination as stated in the Password combination pop-up.
  • Click on Open to view the PDF or Cancel to abort.
  • You can choose to save this file on your system.
     

  • Click on the Hamburger menu.
  • Select the Certificates option.
  • Click on Download Balance Certificate.
  • Choose the month from the dropdown menu.
  • Click on the Apply button to proceed or the Reset button to select another month.
  • The Balance Certificate for your CASA & Fixed Deposits for the selected month will appear on the next screen.
  • Click on Download.
  • A password combination pop-up will appear on the screen. Read it carefully.
  • The PDF copy of the Balance Certificate is a password-protected file for an extra layer of security.
  • Enter the correct password combination as stated in the Password combination pop-up.
  • Click on Open to open the PDF or Cancel to cancel the PDF opening.
  • You can choose to save this file on your system.
     

  • Click on the hamburger menu or click on the “Deposits” tab on the Dashboard, and then click on the “Open Fixed Deposit” option.
  • Click on Accounts and Loans.
  • Click on Deposits.
  • Click on Open Fixed Deposit.
  • Select the type of deposit to be booked – Regular FD or Tax Saver FD by clicking on the tabs.
  • Select the CASA account to be debited to book the FD.
  • Select the product from the dropdown.
  • Enter the FD booking amount.
  • Select the Tenure in Years, Months, and Days, or the Maturity Date by clicking on the radio button.
  • You can choose a Holding Pattern if both the radio buttons are active on your screen.
  • Select the Maturity Instructions from the dropdown.
  • You can choose to add a nominee to this deposit or not.
  • If you choose not to add a nominee, then click on the “OK” button in the pop-up box and give your consent.
  • If you choose to add a nominee, then select whether you want to add a new nominee or an existing nominee.
  • If you choose to add a new nominee, then you need to add the nominee name, nominee DOB, Relationship of the nominee with the customer. If “Others” is selected as the relationship, then you also need to mention the relationship in the designated field.
  • You need to add the nominee's address, choose the country from the dropdown, enter the State, City, and 6-digit PIN Code.
  • In case of a Minor nominee, you also need to add the Guardian details of this minor nominee.
  • Select whether to Print this nominee or not.
  • In case you want to select an Existing nominee for this FD, as soon as you click on the Existing Nominee radio button, a pop-up box will open up with all your nominees registered under all your CASA, FD, and RD accounts.
  • Click the radio button beside the nominee name that you want to add to this deposit and click on the “OK” button to add it.
  • This nominee’s details will get auto-populated on the screen under the Nominee details section.
  • Tick the Terms & Conditions box to Submit the transaction and proceed.
  • You can Cancel the booking by clicking on Cancel, or click on Back to go back to the previous page.
  • As soon as you click on Submit, the Calculate Maturity pop-up box shall appear showing you the approximate Maturity value for this FD along with the Rate of Interest per annum.
  • Click on the “OK” button to move to the Review page.
  • Check the details on this review page and click on the Confirm button to proceed.
  • While using Internet Banking you will receive an OTP on your registered mobile number. In mBandhan app, however, you have to enter the mPIN as two-factor authentication..
  • Provide a valid OTP or mPIN, then click on ‘Submit’.
  • You will be taken to the FD Booking success page. 
     

  • Click on the hamburger menu or click on the "Deposits" tab on the Dashboard and click on the "Open Recurring Deposit" option.
  • Click on "Accounts and Loans".
  • Click on "Deposits".
  • Click on "Open Recurring Deposit".
  • Select the CASA account to be debited to book the RD.
  • Select the product from the dropdown.
  • Either select the Installment Amount or Maturity Amount and enter it.
  • Select the Tenure in Years and Months.
  • You can choose a Holding Pattern if both the radio buttons are active on your screen.
  • You can choose to add a nominee to this deposit or not.
  • If you choose not to add a nominee, then you need to click on the "OK" button in the pop-up box and give your consent.
  • If you choose to add a nominee, then you need to select whether to add a new nominee or an existing nominee.
  • If you choose to add a new nominee, then you need to add the nominee's name, nominee DOB, Relationship of the nominee with the customer. If "Others" is selected as the relationship, then you need to mention the relationship in the designated field.
  • You need to add the nominee's address, choose the country from the dropdown, and enter the State, City, and 6-digit PIN Code.
  • In case of a Minor nominee, you also need to add the Guardian details of this minor nominee.
  • You need to select whether to Print this nominee or not.
  • In case you want to select an Existing nominee for this RD, as soon as you click on the Existing Nominee radio button, a pop-up box will open up with all your nominees registered under all your CASA, FD, and RD accounts.
  • You need to click the radio button beside the nominee's name that you want to add and click on OK to add it.
  • This selected nominee’s details will get auto-populated on the screen under the Nominee details section.
  • You need to tick the Terms & Conditions box to Submit and proceed.
  • You can cancel the booking by clicking on Cancel or click on Back to go back to the previous page.
  • As soon as you click on Submit, the Calculate Maturity pop-up box shall appear showing you the approximate Maturity value for this RD along with the Rate of Interest per annum.
  • You need to click on the "OK" button to move to the Review page.
  • Check the details on this Review page and Confirm to proceed.
  • Enter the 6-digit OTP sent to you via SMS for Internet Banking or the 6-digit mPIN for  mBandhan app, then click on ‘Submit’.
  • You will be taken to the RD booking success page.
     

  • Click on the hamburger menu, or click on the “Deposits” tab on the Dashboard and select “FD Redemption.”
  • Click on "Accounts and Loans."
  • Click on "Deposits."
  • Click on "Manage Fixed Deposit."
  • Click on "FD Redemption."
  • Select the FD Account number from the dropdown that you want to redeem.
  • Select the Redemption Type – Partial or Full.
  • Enter the Redemption Amount if “Partial” is selected.
  • Select the Transfer Account number from the dropdown.
  • Click the "Submit" button to proceed, or the "Cancel" button to cancel the transaction.
  • Check the details on the Review page.
  • Click on the "Confirm" button to proceed, the "Cancel" button to cancel the transaction, and the "Back" button to return to the previous page.
  • Enter the 6-digit OTP sent to you via SMS for Internet Banking or the 6-digit mPIN for mBandhan app. Click on “Submit” to submit the transaction. or "Cancel" to cancel the transaction.
  • You will be redirected to the FD Redemption success page. 
     

  • Click on the hamburger menu, or click on “Deposits” tab on the Dashboard & click on “RD Redemption” option.
  • Click on Accounts and Loans.
  • Click on Deposits.
  • Click on Manage Recurring Deposit.
  • Click on RD Redemption.
  • Select the RD Account number from the dropdown that you want to redeem.
  • Select the Transfer Account number from the dropdown.
  • Click the Submit button to proceed, or Cancel button to cancel the transaction.
  • Check the details on the Review page.
  • Click on the Confirm button to proceed, Cancel button to cancel the transaction, & Back button to go back to the previous page.
  • Enter the 6-digit OTP sent to you via SMS for Internet Banking or the 6-digit mPIN for mBandhan app. Click on “Submit” to submit the transaction or "Cancel" to cancel the transaction. 
  • You will be taken to the RD Redemption success page.

You may find the option in the Service Request section available in the menu list. Click on Service Request > Positive Pay or search for 'Positive Pay' in the dashboard search panel in Internet Banking.

Positive Pay is a process to validate/confirm the key details of cheques to deter cheque fraud (applicable to high-value cheques amounting to Rs.50,000 and above).


You only need to submit Positive Pay for cheques of value of Rs.50,000 and above. But it is mandatory if the cheque amount is Rs.5,00,000 and above. 

Yes, you may use the Positive Pay facility in both channels.

You can enable Positive Pay online from the Enable/Disable Positive Pay section.

You may add Positive Pay if your account is enabled for Positive Pay and the cheque is in an unpaid status and it has been issued by you to anyone. You need to have the cheque and beneficiary details to add Positive Pay.

Any valid and unpaid cheques that have been issued by you to anyone can be declared in Positive Pay.

Yes, both edit and delete is possible but as per the below status of Positive Pay. You can avail this functionality from the Manage Positive Pay section. 

Status

View

Edit

Delete

Un-Paid

Enable

Disable

Disable

Paid

Enable

Disable

Enable

Returned

Enable

Enable

Enable

Stopped

Enable

Disable

Enable

Yes, you may view all the added Positive Pay in the Manage Positive Pay section.

No, you are only allowed to submit Positive Pay if the cheque was issued less than or equal to 3 months before the current date.
 

You may use this facility to authorise mandates for any third-party transactions from your Bandhan Bank account. You will receive a link from the third party for authorisation, which will redirect you to our Internet Banking platform. To authorise the transaction, you need to log in to your Internet Banking account using valid credentials and approve the request.

You may authorise the mandate using Internet Banking by clicking on the link provided from the third party. 

Yes, you can also reject the request as you will have both options in Internet Banking.

To cancel or stop any registered and active mandate on your Bandhan Bank account, you can use this option.

The option is available in the Service Request section of the menu in both Internet Banking and mBandhan app.

Yes, you can view all registered mandates online, based on the selected Bandhan Bank account in the e-mandate cancellation section. 

No, you can only cancel mandates that are in active status.

You can find the Bill Payments option in the menu list and dashboard of the Internet Banking and mBandhan app.

All BBPS biller categories are available. Some of the major categories are - electricity, mobile pre-paid/ post-paid, DTH, gas, insurance, credit card and mutual fund. 

Yes, you can pay the bill without adding the biller. You can select the biller from the categories and click on 'Pay' directly.

You may find your added biller in the 'My Billers' section of the bill pay platform.

You can schedule bills by selecting the 'Pay Later/Schedule Bill' option when initiating any bill payment on the bill payment platform. Details for each scheduled bill will be available under the 'Scheduled Bills' menu on the platform.

You can raise a complaint using the 'Complaints' option in the menu of the Bill Pay platform. You can also view or select the transaction from the transaction history screen and raise a complaint for the selected transaction.

You may find the last 5 transactions in the Payments section of the bill pay platform menu.

You may add a biller from the Dashboard of the bill pay platform. 

It depends on the biller for which you are paying bills. If the biller supports bill fetch and pay, then you will receive the bill by providing your unique Biller Identification.

Yes, you can edit or delete a biller from the 'My Billers' section of the bill pay platform.

The Overview widget on your Dashboard will only include a summary of your active Fixed/Recurring Deposit accounts along with basic details. It does not include closed deposits.

You can click on the ‘View All’ option at the bottom of any specific card. This will take you to the Deposit Summary Screen, where all your FDs/RDs will be available. 

The ‘Count of FDs/RDs’ seen on the Overview widget is the count of only active FDs/RDs. 

You can open an FD/RD through the Overview widget: 

  • Dashboard > Overview Widget > Fixed/Recurring Deposit Cards > View All > Fixed/Recurring Deposit Summary > Kebab Menu (3 dots menu) > Open FD/Open RD.  

  • Alternatively, open FD/RD through the Hamburger Menu: Accounts and Loans > Deposits > Open FD/Open RD. 

You can book Regular FD, Tax Saver FD, and NRE-NRO FDs based on your customer type. 
 

A ‘Source Account’ is your Current and Savings account with the bank that gets debited when you book a deposit (FD/RD). 
The FD/RD will have a relationship/MOP similar to the chosen ‘Source Account’ 

Yes, you can choose your joint account as the ‘Source Account’ (with MOP either or Survivor) to open a deposit in your name or jointly with all account holders. The Mode of Operation will be the same as that of the Source Account.  

The minimum amount for booking an FD is ₹1,000 and the maximum amount is ₹1,99,99,999. 

You can book a  FD for a minimum of 7 days, and the maximum tenure is 10 years. 

Yes, you can select a particular Date of Maturity for your FD. 

Yes, you need to select values for all the dropdowns while choosing the Tenure. 

For Regular FDs, there are three Maturity Instructions: 

  • Reinvest Principal on Maturity 

  • Reinvest Interest & Principal on Maturity 

  • Close on Maturity 

For Tax Saver FDs, the Maturity Instruction by default will be is ‘Close on Maturity.’ 
 

No, it is not mandatory, but nominating a person is a good practice as per RBI guidelines. 

You can either add a new nominee or you can select an existing nominee from your other Current/Savings/Deposit accounts as the nominee for the deposit account you open. 
 

You can only appoint a nominee for a Single FD account. Nomination is not allowed in Joint FD accounts. 

Select ‘Yes’ or ‘No’ to choose whether your nominee's name should be printed on your FD statement. 
 

Your deposit will be held in INR only. 

On the product selection page, click on the ‘View Interest Rate Info’ hyperlink. It will take you to the Bank's website, where you can see the interest rates. 

Yes, you can change the Maturity Pay out account for an FD booking. 
But, for an RD booking, it is by default the Source Account and it cannot be edited. 

To add a nominee, provide their name, relationship with the account holder, date of birth, full address and guardian details (if the nominee is a minor). 

When adding a nominee, you need to provide their name, relationship with the account holder, date of birth, full address and guardian details (if the nominee is a minor). 

Yes, PAN is mandatory for booking FD/RD of amounts greater than equal to ₹50,000 at a time, and for booking FDs/RDs totalling ₹5,00,000 in a single Financial Year. 
 

There are no restrictions on the maximum number of FDs/RDs that can be booked if your PAN is updated with the Bank. 

Joint FD/RD redemption is not available through Internet Banking/mBandhan App. 

Tax saver FD booking is not allowed for minors and non-individuals. 

No, a Tax Saver FD cannot be redeemed online through Internet Banking or mBandhan App. 

The minimum tenure for a Tax Saver FD is 5 years (60 months), and the maximum tenure is 5 years (60 months). 

Yes, it is mandatory to accept the Terms & Conditions before booking any deposit. 

The Instalment amount is the monthly investment you choose to make in your Recurring Deposit on a specific date.

The minimum tenure for booking an RD is 6 months and the maximum tenure is 10 years (120 months). 

Yes, you can choose an account other than your Source account to receive the Maturity amount for an RD. 

The minimum amount for RD Booking is ₹100, and the maximum amount is ₹1,99,99,999. 

The only option available for Maturity Instructions in an RD is ‘Close on Maturity.’ 

In ‘Manage Deposits,’ you can perform various actions related to your deposits, such as editing Maturity Instructions, viewing/downloading FD/RD statements, accessing FD/RD summaries and details, redeeming FD/RD.

Yes, you can view the details of your closed Fixed/Recurring Deposits in read-only format. The status of the Closed FD/RD will be shown as ‘Closed’. 

Account nicknames are displayed alongside the Fixed/Recurring Deposit account numbers wherever they appear on the screen. 

‘P’ stands for Primary Account Holder in the Holder Names' section. 

You can download the FD/RD Statement in PDF and CSV formats. 

Yes, all statements downloaded from the online channels of Internet Banking and mBandhan App are password protected, including the FD/RD statements. 

To optimise your search, select the desired account number from the dropdown, choose the tenure/period for the statement from the ‘View Options,’ select the transaction type from the ‘Transactions’ dropdown, and click the ‘Apply’ button. You can reset the options by clicking the ‘Reset’ button to generate a new statement for a different account/tenure/transaction type. 

The tenure/period options for generating FD/RD statements include current month, current day, previous day, previous month, current month & previous month, Previous Quarter, Date Range, and Last 10 Transactions. 

The transaction types available for generating FD/RD statements are debit transactions, and credit transactions. 

Yes, you can search and generate an FD/RD statement by amount and transaction reference number. 

In an FD/RD statement, you can view information such as date, description, reference number, transaction type, and amount. 

You can download the FD/RD Statement by clicking the ‘Download’ button on the FD/RD Statement screen. 

With ‘Edit Maturity Instructions,’ you can change the Maturity Instructions for any FD. 

Yes, you can change the Maturity Pay out account for an FD, provided you have multiple self-accounts with the Bank. It can also be changed if the field was initially blank for offline branch bookings.

To reach FD/RD Redemption, follow these steps: 

  • Click on the Hamburger Menu (three horizontal lines) on the screen. 

  • Go to ‘Accounts and Loans.’ 

  • Select ‘Deposits.’ 

  • Choose ‘Manage Deposits.’ 

  • Click on ‘Fixed/Recurring Deposits.’ 

  • Finally, select ‘FD/RD Redemption.’ 

No, joint FD/RD Redemption is not allowed online. If you attempt to redeem joint FDs/RDs online, a message will prompt you to visit your nearby Bank branch. 

No, Tax Saver FDs cannot be redeemed online. 

For Deposit Redemption, you need to fill and view the following details: 

  • Deposit Account Number: Select the Fixed deposit you want to redeem. 

  • Balance: Displays the current balance of the deposit account. 

  • Redeemable Amount: Shows the total amount available for redemption. 

  • Redemption Type: Choose between partial or full redemption. 

  • Redemption Amount: Specify the amount you wish to redeem (only for partial redemption). 

  • Charges/Penalty: Any applicable charges or penalties are displayed. 

  • Final Redemption Amount: Shows the amount being redeemed after deductions. 

  • Pay-out Account details: Displays the designated account for pay-out. 

 

You can edit the Maturity Pay out account of an RD if you have multiple self-accounts with the Bank. 

The all-new Internet Banking & mBandhan app of Bandhan Bank comes with enhanced security features. It offers extensive range of new features for all your banking and payment needs. Our 200 plus features include:

  • Intuitive first-time single registration for both Internet Banking and mBandhan

  • Biometric, face ID & multiple alternative ways (Pattern, Face ID, Biometric) of login  

  • 360-degree Dashboard Showcase 

  • Multiple Service Requests

  • Debit Card Lifecycle Management

  • Seamless Fund Transfers

  • Purchase Insurance and Mutual Funds online

  • Quick Statement downloads for Deposits and Loans

  • Financial Planning

  • Enhanced User Interface/User experience for  convenient Digital Banking experience

All Bandhan Bank customers who have a Savings account or an Individual Current account, Sole proprietorship, HUF accounts with their mobile number linked with their Bank account(s), can access Bandhan Bank’s Internet Banking and mBandhan app.

To access the new mBandhan app, you need to download it from either Google Play Store for the Android or from the app Store for the iOS.

Banking has become even simpler with the all-new Internet Banking and mBandhan app. With over 200 plus features you can easily access services like Statements for your savings account /current account / loan account. You can request for new cheque books, download your Balance/Interest/TDS certificates. You can also buy Insurance or invest in a Mutual Fund and more. You can access all these services from the comfort of your home 24/7, without having to visit a branch. 

No, the older versions of both the Internet Banking and mBandhan app have been discontinued. 

No, as soon as you register on one of these platforms, you automatically get registered onto the other, i.e. if you register on the mBandhan app, you will automatically get registered onto Bandhan Bank’s Internet Banking and vice versa.

There are two ways to register to the Internet Banking & mBandhan app as a new Bandhan Bank customer: 

  • Using your Debit Card details or 

  • Using your Personal Information such as your Date of Birth, Mother’s maiden name and PAN

To know the steps, click on    

  • Enter your mobile number linked to your Bank account

  • You may enter your Customer ID in case your mobile number is linked with multiple accounts (Customer ID is available in your account statement, alternatively you can retrieve your Customer ID from the pre-login page)

  • Enter your Debit Card number, Date of Expiry (MM/YYYY) and Debit Card PIN

  • Enter the 6-digit OTP received on your e-mail ID & mobile number linked with your Bank

  • Set up your Internet Banking User ID and password 

  • You are now successfully registered on the new Internet Banking & mBandhan app of Bandhan Bank.

  • You can use your newly set credentials to login to your Internet Banking & mBandhan app.

No, however you can use your Personal Information such as the DOB, PAN and Mother’s Maiden name for the registration.

  • Enter your mobile number linked to your Bank account

  • You may enter your Customer ID in case your mobile number is linked with multiple accounts (Customer ID is available in your account statement, alternatively you can retrieve your Customer ID from the pre-login page)

  • Enter your Date of Birth, PAN and Mother’s Maiden name

  • Enter the 6 digit OTP received on your email ID & mobile number linked with the Bank

  • Set up User ID and password

  • Registration is successful

  • Download mBandhan app from either Google Play Store for the Android version or App Store for the IOS version

  • Launch the app & allow all the required permissions

  • Confirm your mobile number linked with the Bank and Accept the T&C

  • You may enter your Customer ID in case your mobile number is linked with multiple accounts (Customer ID is available in your account statement, alternatively you can retrieve your Customer ID from the pre-login page)

    In Android: SIM binding will be done automatically
    In IOS: The user will manually need to send an SMS for SIM binding 

  • Once SIM binding is successful, enter your Debit Card details

  • Enter the 6 digit OTP received on your e-mail ID & mobile number linked with the Bank

  • Set a password, mPIN, and an alternate login option

  • Use the newly set credential to login

  • Download mBandhan app from either Google Play Store for the Android version or App Store for the IOS version

  • Launch the app & allow all the required permissions 

  • Confirm your mobile number linked with the Bank and Accept the T&C

  • You may enter your Customer ID in case your mobile number is linked with multiple accounts (Customer ID is available in your account statement, alternatively you can retrieve your Customer ID from the pre-login page)

    In Android: SIM binding will be automatically done in background
    In IOS: User will manually need to send SMS for SIM binding

  • Once SIM binding is successful, enter your Date of Birth, PAN & Mother’s Maiden name

  • Enter the 6 digit OTP received on your e-mail ID & mobile number linked with the Bank 

  • Set your password, mPIN, and an alternate login option

  • Use the newly set credential to login

Yes, on the login screen click on 'Know your Customer ID', enter your mobile number linked with the Bank, enter your Date of Birth or PAN and submit. Enter the OTP received on your mobile number. The Customer ID will then be sent to your mobile number and email ID linked with the Bank.

Yes, you can reset your password through both the Internet Banking and mBandhan App. To know the steps, click on

You can only reset your mPIN from the mBandhan App. To know the steps, click on https://bandhanbank.com/mb-forgot-mPIN

Yes, the existing Retail Internet Banking users will - be able to access/login to both the new Internet Banking and mBandhan App. To know the steps, click on https://bandhanbank.com/new-internet-banking

Yes, the existing mBandhan App users will -be able to access/login to both the new Internet Banking and mBandhan App. To know the steps, click on https://bandhanbank.com/new-mbandhan

Yes, the existing mBandhan and Internet Banking users of the Bank can login to/access the new Internet Banking and mBandhan App of Bandhan. To know the steps, click on https://bandhanbank.com/new-mb-rib

Entering invalid credentials three times in a row will result in your account getting locked. On every incorrect login attempt an SMS is sent to the customer notifying him about the incorrect login attempt.

To unlock your account immediately, click on 'Unlock User ID', enter your Customer ID, then either provide your Debit Card details or your Personal Information or enter the OTP. Your account will get unlocked.

No, launching the mBandhan app from a jail broken/rooted device is not allowed as per extant guidelines. You will see a message stating that ‘your device is not secure for login.’ in case you try launching the app from such a device.

If you open the mBandhan app in an unsecured network, a pop-up message will appear warning you about the unsecured connection. If you still want to proceed, then you can give your consent and continue using the application in the unsecured network, however we always recommend using our App in a secured connection only.

Regenerating forgotten Customer ID, User ID, password, and mPIN all are possible through  Internet Banking and mBandhan App. It can be done with the links available on the login screen for all of these options. To know the steps, click on:

The new Internet Banking and mBandhan App offers a range of Debit Cards features. These include applying for a new card, managing card limits & preferences, blocking or unblocking of a card, creating a new ATM PIN, requesting for card re-issuance, hot listing a Debit Card and even initiating Card Upgrades.

To apply for a new Debit Card, you can login and go to the hamburger menu, select the 'Debit Card' section, click on the three dots kebab menu icon located at the upper right hand side corner of the screen to apply for a new Debit Card.

To manage your Debit Card Limit, follow these steps: 

  • After logging in go to the hamburger menu 

  • Choose the 'Debit Card' section

  • Select 'Active Cards' from the dropdown menu

  • Click on the three dots kebab menu icon beside the card you wish to manage

  • Select the 'Limit and Preference Management' option

  • Enter the Limit and Preference which you want to set and confirm

  • Authorise the request using OTP/mPIN

  • Limit & Preference Change is successful

To Block/Unblock a Card, follow these steps: 

  • After logging in go to the hamburger menu

  • Choose the 'Debit Card' section

  • Select either 'Active Cards' or 'Inactive Cards' from the dropdown menu depending on whether you want to Block or Unblock a card

  • Click on the three dots kebab menu icon beside the specific card you want to Block or Unblock

  • This action will prompt you to either Block or Unblock the card

  • In case you select the Full Block option, then you also need to enter your reason for blocking the Card

  • Confirm & Authorise the request using OTP/mPIN

To generate your ATM PIN, follow these steps:

  • After logging in go to the hamburger menu

  • Choose the 'Debit Card' section

  • Select 'Active Cards' from the dropdown menu

  • Click on the three dots kebab menu icon beside the card for which you wish to generate your ATM PIN 

  • Upon clicking this, you will see the option to generate a PIN

  • Enter your desired PIN and confirm the same

  • Authorise via OTP/mPIN

  • Transaction is successful

To get your card re-issued, follow these steps: 

  • After logging in go to the hamburger menu 

  • Choose the 'Debit Card' section

  • Select 'Inactive Cards' from the dropdown menu

  • Click on the three dots kebab menu icon next to the card that has been hot listed and you want re-issued 

  • Upon clicking the option, you can initiate the re-issuance of your Card

To upgrade your card, follow these steps:

  • After logging in go to the hamburger menu

  • Choose the 'Debit Card' section

  • Click on the three-dot kebab menu icon beside the card that you intend to upgrade

  • Upon clicking you will see the “Upgrade Card” option 

  • Select the card variant to which you want to upgrade 

  • Confirm the transaction and authorise via OTP/mPIN

  • Transaction is successful

Internet Banking and mBandhan App provides an extensive Dashboard offering: The dashboard is divided into multiple widgets:


Widget 1: Customer Overview: 
This provides a comprehensive overview of all customer details, including facilities such as details related to Current Account, Savings Account, Fixed Deposit, Recurring Deposit and Loans. All these details are consolidated and available at one place. 


Widget 2:

  • Payments: This provides options such as Fund Transfers and Manage Beneficiaries

  • Deposits:  This provides options to Open Fixed Deposit or Recurring Deposit, Edit Maturity Instruction and FD/RD Redemption

  • Quick Links: This provides options to invest in Mutual Funds, buy Insurance and make Bill Payments

Widget 3:

Service Request – This helps with options such as Cheque Book request, Update e-mail ID, Stop Cheque.

Widget 4: 

Banners will be visible highlighting key product offerings & offers.

Widget 5: 

Recent Transactions - This shows recent transactions of your account

Widget 6: 

Spend Analysis - This shows your spending pattern for the last 30 days


 
Footers will also have the option for Apply Now, UPI (only for mBandhan) & Offers.
 

No, post successful beneficiary addition there is a cooling period of 2 hours. During the cooling period, you cannot transfer any amount. After completion of 2 hours, for the next 22 hours, you can transfer up to ₹50,000 only or as may be decided by the Bank from time to time

No.

Sub-beneficiary can be added to any existing beneficiary. You can add an additional account of the existing beneficiary by using this feature. 

You can add a Beneficiary following the path: 
Menu > Fund Transfer > Beneficiary > Add Beneficiary

You can find Standing Instruction following the path: 
Menu > Fund Transfer > Standing Instructions.

You can download your CASA statement or can go to the Payment Status Inquiry. Here, you can view all your Fund Transfers including Scheduled Transfers for later dates. 

You can find all your Fund Transfers like NEFT/IMPS/RTGS and Within Bank transactions and its current statuses in this section. 

Yes, you can mark any transaction as “Favourite” from the Transaction Confirmation screen. Once the transaction is marked as favourite, you do not have to fill in the entire details again for the same transaction. You can find the favourite transactions in the “Favourite” section. 

No, you cannot edit a newly added beneficiary immediately. You can edit the beneficiary details after 2 hours of adding the beneficiary, after beneficiary is activated.

Yes. You can schedule transactions like NEFT/RTGS/Within Bank transactions, and own account transactions for later dates as well.

You can schedule recurring payments from the Standing Instruction section. In this section, you can set up Standing Instruction on any account and can specify the start and end date along with the frequency of the transfer.

You can navigate to Fund Transfer > Transfer Money > select Existing Beneficiary. You will get a drop-down of all the added beneficiaries. You can choose from any of the beneficiaries and initiate the transactions.

You can navigate to Fund Transfer > Ad hoc Transfer. You will get options of both ‘Within Bank’ and ‘Other Bank Transfers’. If the beneficiary account belongs to Bandhan Bank, then choose Within Bank transfer. If the beneficiary account belongs to any other bank, then choose the Other Bank option.

You can find this option in the Service Request section available in the hamburger menu.

Positive Pay is a process to validate/confirm the key details of cheques to avoid cheque fraud (applicable on high value cheques amounting to ₹50,000 and above). 

No, you only need to submit Positive Pay for cheques amounting to ₹50,000 and above, at his sole discretion

Yes, you can avail the facility of Positive Pay from both the channels.

You can enable Positive Pay online from the “Enable/Disable” Positive Pay section.

You can add a Positive Pay if your account is enabled on Positive Pay and the cheque issued by you is in the unpaid status. You need to have the cheque and beneficiary details to add a Positive Pay. 

Any valid and unpaid cheques that have been issued by you to anyone can be declared in Positive Pay.

Yes, you can view all the added Positive Pay in the ‘Manage Positive Pay’ section. 
 

No, you are only allowed to submit a Positive Pay for a cheque that has been issued less than or equal to 3 months from the current date. 

By using the “My Limit” feature, the user can change their User Limit to their desired limit, but the limit should always be less than the Bank’s cumulative assigned limit i.e. of ₹20,00,000.
 

Yes. You can only reduce your User Limit from Bank’s provided limit i.e. ₹20,00,000 by using the “My Limit” feature provided in your Internet Banking and Mobile Banking app. Increasing the limit from the Internet Banking or Mobile Banking app is not possible. To increase the User Limit, you have to contact the Bank.

Please go to the “My Limit” section in your Internet Banking Platform or Mobile Banking App and reset the limit to Bank Limit by selecting ‘Reset to Bank Limit’ option. 

You can use this facility to authorise the mandates given to any third party from Bandhan Bank Account. First, you will receive a link from the third party for authorisation, where you will be re-directed to our Internet Banking. For authorisation, you have to login into the Internet Banking and approve the request. 

You can authorise the mandate using Internet Banking by clicking on the link provided by the third party. 

Yes, you can reject the request from Internet Banking.

You can use this option to cancel/stop any registered and active mandate on the Bandhan Bank account.

The option is available in the ‘Service Request’ section of the hamburger menu of Internet Banking and mBandhan App. 

Yes, you can view all your registered mandates online on the Bandhan Bank Account based on the account selection in the e-mandate cancellation section.

You can cancel those mandates which are in active status.

You can find the Bill Payments option in the menu list and dashboard of Internet Banking and mBandhan App.

All BBPS Biller categories are available. Some of the major categories are - Electricity, Mobile Prepaid/ Post-paid, DTH, Gas, Insurance, Credit Card and Mutual Fund. 

Yes, you can pay the bill without adding the Biller. You can select the Biller from the categories and click on ‘Pay’ directly. 

You can find your added biller in the ‘My Biller’ section of Bill Pay platform.

You can schedule bills from the ‘Schedule Bill’ menu of the Bill Pay platform. 

You can raise a complaint using the ‘Complaints’ option in the menu list of Bill Pay platform.

You can find the last 5 transactions in the ‘Payments’ section of the Bill Pay platform menu. 

You can add a biller from the Dashboard of the Bill Pay platform. 

It depends on the Biller for which you are paying the Bills. If the Biller supports Bill fetch and pay, then you will receive the bill by providing your unique Biller Identification.

Yes, you can edit or delete a Biller from the 'My Biller' section of the Bill Pay platform. 

Bandhan Bank Insurance journey provides hassle-free Insurance buying, just by logging into the Insurer's platform.

Anyone with an access to Bandhan Bank's Internet Banking or mBandhan App can buy Insurance, including the Savings and Current account holders.

Log in to Internet Banking or mBandhan App, select ‘Insurance’ from the hamburger menu or Quick Links, you will then be re-directed to the Insurance page. Click on ‘Health’ insurance, answer the prompted questions and choose the Insurance policy to buy. 

Available Insurance plans include Niva Bupa Reassure, Niva Bupa Smart Health & Niva Bupa Xpress Health.

  • Live & active savings account  

  • Live & active Individual Current account or Sole Proprietor Current account 

  • Former & Survivor MOP - Only Former is allowed 

  • Latter or Survivor MOP - Only Latter is allowed 

  • Dormant Account

  • Customer with Joint MOP

  • Debit Freeze account

To access Bandhan Bank Mutual Fund Investment, firstly you have to be an existing Savings account holder (either an Individual or a Sole Proprietor). You will then be able to invest in Mutual Funds through this Investment platform provided: 
  

  • You should have an active Internet Banking or mBandhan access against your CIF number. 

  • You should be KYC compliant prior to investing in Mutual Funds through Bandhan Bank Internet Banking. 

  • Your account should not fall under the following segment :-

    • Minor account 

    • Non-Resident Indian (NRI)/Person of Indian Origin (PIO)/Overseas Citizen of India (OCI) 

    • Non-individual current account 

  • You should have sufficient account balance. To complete the purchase, your balance should be equal to or more than the investment amount. 

  • You should have your mobile number linked with the Bank in an active condition in order to receive OTP during investment transactions. 

  • Email ID and mobile number captured for Mutual Fund transactions will be as per your bank account records. 

  • Mandatory to have PAN for any Mutual Fund Investments

 UCC Registration is a one-time process to create a unique ID using below steps:

  • On the UCC page, you will verify and confirm your profile information fetched from the Bank’s database against your Customer ID. 

  • You will be asked to choose the bank account and relevant IFSC that will be registered with BSE for subsequent Mutual Fund transactions. 

  • You will be also asked to provide other relevant profile related details i.e. politically Exposed Persons, Net worth, Yearly Income, etc. 

  • Once submitted, you will have to complete the UCC registration with BSE and will be able to purchase and transact in Mutual Funds via this account. 

 
Note - You will not be able to change the bank account for transactions once UCC registration with BSE is completed. In order to change the same, you need to visit your home branch. 

As per the prevailing regulatory instructions a customer needs to provide nomination details or opt out of nomination through specified format.
 

You can add a minimum of one & a maximum of three nominees in your Mutual Fund investments.

If you do not wish to nominate anyone, then you need to tick on the in-built consent declaration as per the Regulatory guidelines available on the nomination page and authenticate with an OTP for opting out of a nominee. 

You will be asked to perform Risk Profiling once UCC registration is completed. You will be asked questions related to your assets, liabilities, and risk appetite for the system to categorise them under one of the following investor categories-

  • Aggressive 

  • Growth 

  • Moderate 

  • Balanced 

  • Low 

Based on the same, you will be shown the minimum amount of investment and a fund recommendation. You can choose to invest in the same or alternatively browse the Investment Dashboard to pick a custom portfolio. 

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

Savings Account with mode of operation as self, either or survivor, any one, and anyone singly or survivor 
If you have a joint Savings account with ownership as former and survivor, you will only be able to do UCC registration with former.
In any account, if a minor is the account holder, you will not be able to access the Investment module from Internet Banking.

You can invest in equity, liquid, tax savings, and debt funds through Bandhan Bank Mutual Funds platform, with both lump sum and SIP options. This platform also provides the option for individuals to invest in NFO funds in both categories of investment, i.e. lump sum and SIP.

Bandhan Picks is a list of researched Mutual Fund schemes.

You can plan major financial goals like retirement, marriage, education, home, and vacation. You will be able to provide the following details: 
 

  • Your financial goal, present income, as well as percentage 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 lumpsum as well as SIP 

  • You can choose to change the amount based on their affordability, and on that basis, the system will curate the fund recommendation 

You can import a consolidated portfolio report from CAMS or KARVY. Follow the platform's steps to request and upload your CAS statement. 
View your portfolio under ‘Portfolio’ > ‘CAS Management’ > ‘External Portfolio.’ However, you will not be able to withdraw or switch or perform any further activity on the same. 

Add funds to your cart and confirm the transaction, or use the ‘Buy Now’ feature. Ensure sufficient balance, review T&C, confirm, and pay. You will receive an email update and notification. Folio allotment occurs within T+2 working days. 

The cut-off time for receiving the Mutual Fund lump sum and SIP application form at the 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 Fund Bank account post the above mentioned cut off time, then the NAV (Net Asset Value) for the next business day (subject to the availability of funds for utilisation) shall be applicable. 

You can switch funds or invest more by accessing ‘Portfolio’ > ‘Portfolio Details.’ Redeem funds by clicking ‘Withdraw’ and selecting units or an amount. Two-factor authentication is required for redemption. 

Go to the Reports section, select the SIP report, and cancel orders within a specified date range. 
When you place a SIP withdrawal request, subsequent orders will be triggered by exchange, so in case of an SIP withdrawal by you, the exchange will not provide a subsequent record for the fund transfer process.

For additional purchases, 2FA or second factor authentication is done through an OTP sent to your registered email/mobile number with the AMC/RTA, as per the regulations. 
 

You can access Financial Planning through Bandhan Bank's Internet/Mobile Banking. You can click on the Hamburger menu and select Financial Planning. Choose from the Spend, Goal, or Budget options. 

With Financial Planning, you can track expenses, create budgets, and set financial goals linked to your FD/RD. 

Anyone with access to Bandhan Bank's Internet Banking or mBandhan App can use Financial Planning. 

My Goals is where you can plan, modify, and track your financial goals. You can calculate goal amounts, link goals to an FD/RD and monitor its progress. 
 

The Goal Calculator helps you determine the required savings amount to achieve a specific goal within a defined period. 

Budgets allow you to set, view, and track your budget progress. You can create, edit, or delete budgets for specific categories with a monthly frequency.

Widgets for Spend Analysis, Budgets and Goals provide a snapshot of your financial standing. They display spending patterns, goal progress, and budget details.

Log in to Internet Banking or mBandhan App, click the Hamburger menu, and select Financial Planning. Choose from the Spend, Goal, or Budget options.

You can access Quick Services on the login page of Bandhan Bank mobile app mBandhan. It provides an option to view Account Balance and the last 5 transactions of your Savings and Current Accounts. 

You can access Quick Services if you have a valid Bandhan Bank account with online banking services enabled for it. It is available for displaying the account balances and last five transactions of your Current and Savings accounts.

To use Quick Services: 

  • Open the mBandhan App. 

  • Click on the Quick Services on the pre-login screen. 

  • Enable Quick Services by authenticating using your username and password. 

  • Login and access the Quick Services section

You can view your existing loan details in the new Internet Banking/Mobile Banking: 

  • After logging in, basic loan details will be displayed on the Home screen under the 'Loans' card. 

  • Click on ‘View Details’ to further see the loan details. 

Alternatively, navigate to Menu > Accounts and Loans > Loans > Loan Details.

The new Internet Banking/Mobile Banking provides the following loan functionalities: 

  • Loan Summary: It provides you with a snapshot of all your active loans. 

  • Track Your Repayment Schedules: You can view and download Loan Amortisation schedules and track your past EMI repayments. 

  • Loan Details: You can check detailed information about your active loans, including sanctioned amount, interest rate, principal overdue, etc. 

  • Download Interest Certificate: Obtain and download interest certificates for your active Bandhan Bank Housing Loan. 

  • Download Loan Statement: You can view and download account statements for your active Bandhan Bank loan accounts. 

Yes, you can view the amount repaid till date under the Loan Details section. You can also check the status of your past EMI repayments under Track Your Loan Repayment Schedules. 

You can download your Bandhan Bank Housing Loan Interest Certificate from the Download Interest Certificate option: 

  • Type 'Download Interest Certificate' in the search bar or Navigate to Menu > Accounts and Loans > Loans > Download Interest Certificate. 

  • Choose to download the Interest Certificate as a PDF or CSV. 

No, you can only view details of your active Bandhan Bank loans in the new Internet Banking/Mobile Banking. 

Currently, you cannot make loan repayments using the new Internet Banking/Mobile Banking.

You can apply for a Bandhan Bank personal loan from Internet Banking/Mobile Banking: 

  • Login to Bandhan Bank Internet Banking/Mobile Banking. 

  • Click on the 'Apply Now' option on the top border. 

  • Choose 'Personal Loan' and fill in the necessary details. 

  • Our bank representative will contact you to proceed with your application. 

A CASA Statement is the statement of a customer's current account and savings account.

Yes, you can view and download a CASA Statement using Internet Banking or mBandhan App. 

A CASA Statement contains transactions details related to a current account and savings account. It includes credit and debit entries, transaction amounts, and the ability to view and download statements for a specified period.

To optimise your search on the CASA screen: 

  • Select the desired account number from the dropdown. 

  • Choose the tenure/period for the CASA statement from the ‘View Options’ section. 

  • Select the type of transaction from the ‘Transactions’ drop-down. 

  • Press the ‘Apply’ button. You can reset the options by pressing the ‘Reset’ button. 

You can download a CASA Statement by clicking the ‘Download’ button on the CASA Statement screen. 

You can download a CASA Statement in PDF and CSV formats.

The following period options are available for generating a CASA Statement: 

  • Current Month 

  • Current Day 

  • Previous Day 

  • Previous Month 

  • Current Month & Previous Month 

  • Previous Quarter 

  • Date Range 

  • Last 10 Transactions 

  • Current Financial Year 

  • Previous Financial Year 

You can generate a CASA Statement based on debit transactions, credit transactions, or all transactions. 

You can view/download up to 500 transaction records from the CASA Statement screen. 
 

On the Current and Savings Account Statement Request screen, you can download your CASA Statement by clicking the ‘Download’ hyperlink in the ‘Status’ column against the Request ID that was generated for your CASA Statement on the Current and Savings Account Statement Request screen.

Your generated CASA statement will remain on the CASA Statement Request screen for a maximum of 7 days from the Date of Request before it automatically disappears from the tracker.

You can only see accounts with active status under the account status dropdown. 

You can find up to 5,000 transactions in the CASA Statement generated from the CASA Statement Request screen. 

If your number of transactions for the given tenure/period exceeds the count of 5,000, you cannot view/download the statement on the CASA Statement screen or from the CASA Statement Request screen. You will need to visit the nearest Bank branch to fetch the statement containing transactions with a count greater than 5,000.

‘In Progress’ means the record is under process, & ‘Error’ means error in processing the record.

Yes, you can re-initiate the same or another request for your CASA statement.

You cannot download a CASA statement for a Closed or Dormant account.

You can download a CASA statement without entering any OTP or mPIN.

The transactions are in ascending order, i.e. the oldest transaction appears first & the most recent transaction appears last.

 

You can access account details for your CC-OD accounts through the Hamburger Menu > Accounts and Loans > Current and Savings Account Details
Or 
Accounts and Loans > Cash Credit or Overdraft.

 

You can click on the Kebab Menu (3 dots menu) on the right-hand side of the Current & Savings Account Details screen to add a nickname. A nickname can be alphanumeric & can be of a maximum of 20 characters. After adding/editing the nickname, you get the option to save it.
 

You can download Interest Certificate, Balance Certificate, TDS Report & TDS Certificate (Form 16A).

You can access Certificates through the Hamburger Menu > Accounts & Loans > Certificates > Interest Certificate / Balance Certificate/ TDS Report / TDS Certificate (Form 16 A). 

You can click on the Bandhan Bank logo to go back to the Dashboard at any time.

You can download these certificates in PDF format. 

An Interest Certificate provides you with a summary of interest credited or debited for any specific or all CASA, Deposit and Loan accounts of the customer for a Financial Year. By default, all Interest certificates will be fetched for Active account statuses only. 

An Interest Certificate is applicable for CASA, Deposits & Loans. 

You can download the Interest Certificate for the Current Financial Year & last 2 Financial Years, so a maximum of 3 years. You can also generate an Interest Certificate for a specified period by choosing a ‘Date Range’. 

You can download the Balance Certificates of your Current Account and Savings Account and Term Deposit accounts for a specific month.

You can download the TDS report for all the Deposit accounts mapped to you. 

You can download the TDS Report for the current financial year and the last two financial years, so three years in total. 

You can select the ‘Specific Account’ from the Account dropdown. If you want the certificate for all accounts of the selected Account Type, you can choose ‘All accounts.’ 

You can know that interest is credited for CASA and Deposit account types and debited/paid for Loans account types. 

-Interest Certificates and Account Statements  downloaded through Internet Banking and mBandhan App are enabled with password protection.

You can click on ‘Home’ on the Kebab menu (3 dots icon) to go back to the Dashboard. 

You can download a Balance Certificate for all of your Current, Savings, and Deposit accounts held with the bank. The certificate is available on a monthly basis.

The ‘Deposit No.’ indicates the number of times an amount has been invested/deposited into that account. 

The Balance is calculated as per the balance maintained in the account on the last day of the month. For the Balance Certificate of the current month, the Balance is calculated until the last working day of that month for the Bank. 

You can generate a Balance Certificate for the previous 24 months and the current month. 

You can view/download the Balance Certificate not only for your active accounts but also your dormant/closed accounts. 

The TDS Certificate (Form 16 A) is generated in PDF format. 

The TDS Certificate (Form 16 A) is available for the current and previous financial years. For the previous financial year, you can view the certificate for all four quarters. For the current financial year, you can select only the previous quarter. 

You can click on the reference number, which is a hyperlink, to download the TDS Certificate (Form 16 A) document. 

You can click on the Kebab menu (3 dots menu) on the top right-hand corner to access other Certificate options at any time. 

mBandhan app is intended to be used only on physical or real mobile devices that have built-in security permissions. Therefore, for security reasons, in accordance with RBI Guidelines and the Bank’s Policy, our app does not function in such cases, and we recommend users to use only physical mobile devices to access the application.

How to resolve the issue: Install mBandhan app on a physical mobile device.

Root detection serves as an indicator of unsafe devices. According to RBI Guidelines and the Bank’s Policy, our app does not function on rooted devices.

How to resolve the issue: You can use our app only on non-rooted devices. You have two options: either use it on another phone or rectify the current phone's rooting status. You can rectify the rooting status by visiting a sales and service station.

The BusyBox Binary is an indicator of unsafe devices. As per RBI guidelines and the Bank’s Policy, our app does not work on compromised devices.

How to resolve the issue: You can only use our app on non-compromised devices. You have two options: either use it on another phone or correct the issue on the current phone.
To correct the issue on your current phone, please visit a sales and service station.

SuBinary Detection is an indicator of unsafe devices, and as per RBI Guidelines & the Bank’s Policy, our app does not work on rooted devices.

How to resolve the issue: You can use our app only on uncompromised devices. You can either use it on another phone or get the current phone corrected.
You can get the current phone corrected by visiting a sales & service station.

Your device has a code injection tool installed. mBandhan app may face unauthorised or deliberate alterations/modifications resulting in unauthorised access to the device, increasing the risk of financial theft. Therefore, for security reasons, in accordance with RBI Guidelines and the Bank’s Policy, our app does not work in such cases.

How to resolve the issue: Uninstall the Code Injection Tool installed on the device or use another safe mobile device.

Runtime hooking detection is an indication that the application is being tampered with or modified at the launch. For security reasons, in accordance with RBI Guidelines and in accordance with our policy, our app does not function under such circumstances.

How to resolve the issue: Please refrain from attempting to launch the application with any runtime hooking applications, or alternatively, use it on a secure device.

A proxy network detected on a mobile device is an indication of malicious activity. For security reasons, we prevent the user from using mBandhan to safeguard your important banking information from potential leaks. As per RBI Guidelines & the Bank’s Policy, our app does not operate when a proxy network is detected.

How to resolve the issue: To resolve the issue, simply disconnect from the proxy network and continue using the app.

The installation of a malicious or invalid certificate does not comply with safe banking standards. Therefore, for security reasons, in accordance with RBI Guidelines and in accordance with the Bank’s Policy, we alert users in such cases.

How to resolve the issue: For a safe and secure banking experience, please make the following changes in your settings,

  • Remove the user certificate installed on the device.
  • Navigate to Settings -> Encryption & Credentials -> User Credentials, then select and remove the user credentials.

SSL pinning is an important technique for ensuring safe and secure financial transactions. Therefore, due to security reasons, in accordance with RBI Guidelines and the Bank’s Policy, we alert users in such cases.

How to resolve the issue: Turn off the proxy. Additionally, delete any user certificates installed on the system.
Navigate to Settings -> Encryption & Credentials -> User Credentials -> Select and Remove user credentials.

SSL pinning can also be performed using VPNs, which allow the user to set the proxy within the app, thereby enabling traffic flow to MiTM tool. Clients connecting to that server will treat all other certificates as invalid and refuse to establish an HTTPS connection. Therefore, due to security reasons, in accordance with RBI Guidelines and the Bank’s Policy, we alert users in such cases.


How to resolve the issue: Turn off the proxy. Additionally, delete any user certificates installed on the system. Navigate to Settings -> Encryption & Credentials -> User Credentials -> Select and Remove user credentials.

Application tampering or invalidation checksum can cause unauthorised or improper alterations to the app. This could compromise banking security standards and increase the risk of financial fraud in your account. Therefore, for security reasons, as per RBI guidelines and the Bank’s Policy, our app does not function in such cases.

How to resolve the issue: Uninstall the app and reinstall it from the Play Store.

Blacklisted applications are often flagged because they are known to contain malware or other security threats. If you install and use these applications, you could be putting your personal information and data at risk. Using these applications will break banking security standards and increase the risk of financial fraud in your account. Therefore, in accordance with RBI Guidelines and the Bank’s Policy, our app does not work in such instances.

Below are the list of harmful apps for Android
 

Screen Mirroring Apps

AirDroid Cast

ApowerMirror

Mirroring360

TeamViewer

MirrorTo

MirrorGo

AnyDesk

LetsView

VNC Viewer

SMS Forwarder Apps

SMS Forwarder

Phone Leash

Easy SMS Texts Forwarder & Manager

MightyText

Forward2Me

SMS forwarder auto to PC/phone

Auto forward SMS to PC / Phone

SMS Forwarder: Messages + More

Keylogger Apps

TypeKeeper

mSpy

iKeyMonitor

XNSPY

ClevGuard

eyeZy

FlexiSPY

Spyera

 

Below are the list of harmful apps for iOS

Application Name

TeamViewer Remote Control

GoToMyPC

AnyDesk Remote Control

Remote Desktop & Remote Access - Zoho Assist

VNC Viewer - Remote Desktop

VNC Viewer for Android

Cisco Webex Meetings

ZOOM Cloud Meetings

GoToAssist (Remote Support)

ISL Light Remote Desktop

Splashtop Personal - Remote Desktop

chrome remote desktop

remotetogo rdp/vnc for android

trudesktop remote desktop all

my remote desktop

jump desktop (rdp & vnc)

aRDP: Secure RDP Client

RemotePC ScreenShare

akRDCPro VNC viewer

InfiniMote - PC remote control and mouse

Lazy Mouse Pro

GPP remote viewer

AirDroid: Remote access & File

AirDroid Remote Support

AirDroid Cast

AirDroid Business - Kiosk Lockdown & MDM Agent

spacedesk (multi monitor display extension screen)

bVNC : Secure VNC viewer

KDE connect

Sunlogin remotecontrol

RemotePC remote desktop

Ericom AccessToGo

Ericom blaze Client

Mocha VNC Lite

Unified Remote

FullControl

MSP360 Remote Desktop

Mobile Mouse Remote

Screens

Remotix VNC, RDP and Near

Phone Leash

Mighty Text

Auto Forward Text

Chomp SMS

Pulse SMS

Handcent Next SMS

Text Now

Forward SMS texting W/2 Phone

AutoSender Pro Automatic Texting

AutoText  Scheduled Message

 

How to resolve the issue: Uninstall the harmful application installed on the device and continue using the application.

This means the app may be modified or altered, posing a security threat that could result in financial fraud. Therefore, for security reasons, in accordance with RBI Guidelines & the Bank’s Policy, our app does not function in such cases.

How to resolve the issue: We highly recommend users uninstall the app and reinstall it from the Play Store.

The app is not compatible with the version of Android currently installed on your device. This poses a risk to banking security standards and increases the likelihood of financial fraud occurring in your account. Therefore, for security reasons, in accordance with RBI Guidelines and the Bank’s Policy, our app does not function under these circumstances.

How to resolve the issue: Please check for available software updates in the settings of your Android device and proceed to update the software. Alternatively, consider using another device with an updated or the latest Android version.

 An untrusted VPN can leak sensitive banking information, potentially leading to financial loss. Always use mBandhan app from a trusted and secured network to protect your banking privacy. Therefore, for security reasons, in accordance with RBI Guidelines & the Bank’s Policy, our app does not function under such circumstances.

How to resolve the issue: Turn off the VPN network and continue using the app.

This pop-up message appears when you are connected to public Wi-Fi that may be unsecured, and security patches are not fully updated. Using banking applications on an unsafe network may lead to the loss of confidential information and monetary theft. Therefore, for security reasons, in accordance with RBI Guidelines in accordance with the Bank's Policy, we alert users in such cases.

How to resolve the issue: Disconnect from unsecured public Wi-Fi/networks and connect to a trusted network.

You have used mBandhan app while sharing your phone screen (e.g., Google Meet, AnyDesk, etc.). This increases the risk of unauthorised access by third parties to your confidential banking information such as passwords, OTPs, and other sensitive data while the screen is shared. This may result in financial fraud.

How to resolve the issue: For security reasons, we recommend that you stop screen sharing and continue to use the app.

If the application is not installed from trusted sources like Google Play Store, your confidential and critical information is at risk. Therefore, in accordance with RBI Guidelines & the Bank’s Policy, for security reasons, our app does not work in such cases. We recommend installing the application only from the Play Store.

How to resolve the issue: Uninstall the existing application and reinstall it from the Play Store.

Enabling the Developer option may result in unintended consequences such as application inconsistency, a poor app experience, and the potential theft of sensitive data, consequently increasing the risk of banking fraud. For security purposes, we advise users to disable the Developer option when conducting secure transactions. Therefore, for security reasons, in accordance with RBI Guidelines & the Bank’s Policy, our app does not function under such circumstances.

How to resolve the issue: Disable the Developer option in Settings.

Many people use a secondary profile on their mobile devices as this offers the advantage of isolating different users and profiles on the same device. Each user can have their own apps installed and their app storage space is completely isolated unless permissions are granted through content providers. Therefore, for security reasons, in accordance with RBI Guidelines & the Bank’s Policy, our app does not function under such circumstances.

How to resolve the issue: For a safe and secure experience, please make the following changes in your settings. Go to Settings -> Users and Accounts -> Multiple Users -> Switch to Administrator/ Owner Profile or use the app from the Primary Profile on the device.

Android OS utilises Linux's UID-based mandatory access control. App sandboxing allows each app to run based on the permissions assigned to the user, and the app has restrictions on making system calls and accessing the file system. Therefore, for security reasons, in accordance with RBI Guidelines & the Bank’s Policy, our app does not function under such circumstances.

How to resolve the issue: Uninstall the third-party app used for Sandbox Environment or use the app from the Primary Environment on the device.

USB debugging is an open port, which increases the risk of unauthorised access to your device when your device is connected to a PC. With this, an unauthorised user may get access to critical information, such as confidential bank account details, which can lead to monetary theft or irreversible loss. So for security reasons, as per RBI Guidelines & Bank’s Policy, our app does not work in such cases.

How to resolve the issue: For security purposes, turn off USB Debugging under Developer option or turn off the Developer option and disconnect from USB.

USB debugging is an open port that does not adhere to safe banking standards.  Therefore, for security reasons, in accordance with RBI Guidelines & the Bank’s Policy, our app does not function under such circumstances.

How to resolve the issue: For safe and secure banking experience, please make the following changes to your settings. 
Turn off Wireless ADB debugging:
Go to Settings -> Developer Options -> Scroll down to search Debugging -> Wireless USB debugging.

Screen overlay increases the chances of cyber-criminal activities, which may result in cyber theft from account holders using the same phone. Therefore, for security reasons, in accordance with RBI Guidelines & the Bank’s Policy, our app does not function under such circumstances.

How to resolve the issue: Disable overlay permission in your phone and restart mBandhan app again.

You have used mBandhan app while actively on the voice/ internet call. This increases the risk of gaining unauthorised access by third party to your confidential banking information, such as passwords, OTP, and other sensitive data, while on the call. This may result in financial fraud. Therefore, for security reasons, in accordance with RBI Guidelines & the Bank’s Policy, our app does not function under such circumstances.

How to resolve the issue: For security reasons, we recommend that you disconnect the call and continue to using the app.

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

Type of Tax Location Type of taxes that can be paid
Direct Tax
(Click here to pay tax via TIN 2.0 portal)
https://eportal.incometax.gov.in/iec/foservices/#/login
Bandhan Bank Branches as available on https://bandhanbank.com/banking-outlet-locator Tax Deducted at Source (TDS), Tax Collected at Source (TCS), Income tax, Corporation Tax, Wealth Tax, Dividend Distribution tax, Hotel Receipts Tax, Estate Duty, Interest Tax, Expenditure Tax/ Other Direct taxes and Gift Tax, Fringe Benefit Tax, Banking Cash Transaction Tax

 

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://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.

UPI (Unified Payments Interface) is an immediate real-time payment system that helps in instantly transferring funds between two bank accounts through a mobile platform using VPA, MMID along with Mobile Number or A/C No & IFSC Code. UPI can also be used to pay merchant who accept UPI as payment mode.

Virtual Payment address (VPA) is an identifier that can be uniquely mapped to an individual account using a transaction service. It can be xyz@bandhan where in “XYZ” is unique name or number or alphanumeric that you can choose for yourself. Bandhan Bank UPI services offer customers the option to create three virtual addresses so that they can use the virtual address for “Send” and “Collect” transactions. The beneficiary need not show account details as only virtual address is required for the transactions.

After successful addition of bank account and creation of virtual address, click on set PIN for setting up UPI PIN for transaction. The PIN would be required for authorizing transaction. An OTP would be delivered on the register mobile number. you also need to enter the last 6 digits of your debit card and its expiry date. You can use change PIN option to change the PIN required for transactions.

There are various reasons for a UPI transaction failure:
The system would be down
Wrong UPI PIN
Incorrect beneficiary UPI ID
If the receiver is not on Bharat Interface for Money

You will get an SMS on your registered mobile number on successful completion of the UPI transaction.

On entering the wrong UPI PIN the transaction will fail and show an error 'Wrong / Incorrect UPIN entered'.

This is a feature of the UPI payment platform (built by NPCI- an RBI regulated entity). The UPI platform retrieves the accounts details linked with your mobile number in a masked manner. This exchange is done over secure banking networks and we don't store or ever use it.

The service is instant and available 24X7, even on public/bank holidays. Customers can transfer funds in simple steps by providing the virtual payment address of the beneficiary. Also, there is no pre - registration required for the beneficiary.

UPI services are available 24 hours of the day, all days of the week, throughout the year. There are no holiday restrictions on UPI transactions.

UPI can be accessed by any type of individual savings and current accounts, sole-proprietorship accounts, OD accounts and savings/current joint accounts where the user is one of the holders and holds a valid debit card in his/her name and the mobile number is registered with bank.

Our existing BHIM Bandhan UPI app has been discontinued. UPI features will be made available in the mobile banking app of the bank soon.

Our existing BHIM Bandhan UPI app has been discontinued. UPI features will be made available in the mobile banking app of the bank soon.

Growth

  • Accounts & Deposits
  • Mutual Funds
  • Neo+ Digital Savings Account
  • Atal Pension Yojana

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:

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:

Order Name Order Description
Order Book Client/Branch can view his order status in the Order book. It provides the latest transaction update of an order placed by a client or sub-broker on behalf of the client.
Holding Report Client/Branch can view holdings. The holding file is uploaded during BOD process. The client can redeem, switch, STP & SWP transactions through a holding report.
SIP Report Client/Branch can view the report by filtering the data based on transaction type (X-SIP), status (Accepted, Cancelled, Ordered, In-process and Rejected), date range, client code and transaction ID.
Order Status Report The branch can view the client’s order status by filtering the data based on client code, date range and Order type of the transaction.
Provisional Report The branch can view the provisional order of a client and can also generate invalid and valid order.
Redemption Report Branch/Client can view client’s redemption details from ‘Redemption Report’ menu. User can view this report by filtering the data based on date range and client code.
Allotment Report ranch/Client can view the allotment file received from exchange. The Allotment file will show the units allocated to the investor by the AMC. User can view this report by filtering the data on the basis of client code.
SIP Due Report Branch/Client can view the due X-SIP reports of clients by providing the Client Code. This report provides the no. of instalments paid along with the Previous Paid Date. This report is uploaded in Bandhan Bank mutual funds platform after downloading from BSE portal
SIP Cancellation Report Client/Branch can view the SIP cancellation report of clients by providing the Client Code and the date range. This report is uploaded in Bandhan Bank mutual funds platform after downloading from BSE portal. (Auto SFTP process).

 

 

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.

A tax saver fixed deposit (FD) allows one to save taxes while earning interest. It offers a tax deduction on investment of up to ₹1,50,000 per year under Section 80C of the Income Tax Act, 1961. In case of joint holders, the tax benefit is available to only the first holder.

You may check the rate of interest Bandhan Bank on tax saver FD here: https://bandhanbank.com/rates-charges

A tax saver FD can be opened for a fixed tenure of 5 years

You may open a tax saver FD with minimum ₹1,000 and maximum ₹1,50,000

Interest pay-out frequency depends on FD plan.

  • For cumulative plan, interest is paid at maturity along with the principal
  • For traditional FD, interest pay-out is done monthly or quarterly basis your choice

When an FD term ends, the maturity amount is credited to your linked savings account.

Renewal is not allowed in case of a tax saver FD. A fresh tax saver FD has to be booked.

Tax is deducted at source, from the interest on tax saver FD, as applicable, as per the Income Tax Act, 1961.

Yes, they do get extra benefits in the form of higher interest rates. For interest rate, you may visit: https://bandhanbank.com/rates-charges

As per extant guidelines, you cannot apply for a loan against your tax saver FD.

As per extant guidelines, no premature withdrawal is allowed for a tax saver FD before its tenure (5 years).

Yes, nomination facility is available for tax saver FD.

Yes, PAN is mandatory for opening a tax saver FD.

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:

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://retail.bandhanbank.com/) 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.
     

Freedom

  • Home Loans
  • Loan Against Property
  • Microbanking
  • Small Enterprise Loans
  • SME & Agri Loans
  • Two Wheeler Loan

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.
 

Minimum age of the borrower should be 21 years
Maximum age at loan maturity to be 57 years or retirement age, whichever is earlier.

Minimum and Maximum loan amount are ₹ 10,000 and ₹ 150,000 respectively.

A customer needs to have a savings/ current account relationship with us to avail of this loan.

Bandhan Bank's Two wheeler loan is available in 12, 18, 24 and as long as 36 months.

Funding available up to 85% of the on road price of the Two Wheeler