Frequently Asked Questions (FAQs)

To create an e-mandate, contact the merchant site or sponsor bank. Access the designated webpage provided by the merchant and enter the required mandate details. Next, select Bandhan Bank and choose an authentication mode (Net Banking, Debit Card or Aadhaar Card). If you select the Aadhaar option, enter the Aadhaar credentials followed by the OTP (received on the registered mobile number) and approve the e-mandate creation request.

Banks in India that are members of any Payment System/Channel approved by the Reserve Bank of India, and that intend to enter into a mutual Service Level Agreement (SLA) with NPCI, will be permitted to originate transactions in the NACH system.

As per the current NPCI directive, NACH mandates can be issued for a maximum duration of 40 years from the date of issuance. Therefore, if any NACH mandate is presented by the corporate, merchant or sponsor Bank for a duration exceeding 40 years, it will be automatically rejected by NPCI. 

You can amend or modify certain fields of an existing mandate using the amend functionality. The request will be initiated by the merchant or sponsor bank.

You can amend the following fields only:

• Start Date 

• End Date

• Debit type (i.e. Fixed / Maximum)

• Amount

• Frequency

Only existing mandates that are in active status can be amended. Transaction will be processed according to the modified fields.

To cancel an existing e-mandate, contact the merchant or sponsor bank where the mandate was initially created. Access the merchant’s website, enter the mandate details, and select Bandhan Bank with Aadhaar as the authentication mode. If you select the Aadhaar option, enter your Aadhaar credentials, followed by the OTP (received on the registered mobile number) and approve the e-mandate cancellation request.
Cancellation of mandates is permanent, and no future debit transactions against the cancelled mandate will be allowed.

Only existing mandates that are in active or suspended status can be cancelled. 
Loan mandates cannot be cancelled. 
To cancel a loan mandate, you need to reach out to the merchant or sponsor Bank.

Cancellation of a mandate is permanent in nature and cannot be revoked.

With the suspend functionality, you can suspend or pause an existing mandate. No debit transaction against that mandate will be allowed. The request must be initiated by the merchant or sponsor bank.

Only existing mandates that are in active status can be suspended. 
Loan mandates cannot be suspended. To suspend a loan mandate, you need to reach out to the merchant or sponsor bank. 

Through the mandate revoke functionality, you can remove the suspension applied on the existing mandates. The request will be initiated by the merchant or sponsor bank. 
On revocation, the mandate will become active and future debit transaction will be allowed for that mandate.

Only mandates which are in suspended or inactive active status can be revoked.

If the suspension is not revoked by the end date, it will automatically expire. 

Two factor authentication will be performed to authenticate the request. The first factor is the verification of card details and the second factor is the OTP validation.

The following types of accounts are restricted from using the e-mandate create, amend, cancel, suspend and revoke facilities:

• Account blocked

• Account closed

• Account frozen

• Account inoperative

• Account not in regular status

• Minor account

• NRE account

• CC account

• PF account

• PPF account

• KYC not completed

• Joint account

• Wallet account

• Accounts where payments have been stopped by attachment order, court order

Currently, the mandate amount limit for both for security mandates and transaction mandates is ₹1 crore.
 

You can contact your home branch or raise a complaint with customer care by emailing to customercare@bandhanbank.com or calling 18002588181 / 03366333333 / 03344099090 / 03340903333.
 

Yes, the request can be re-initiated by the merchant or sponsor bank. 
 

The authentication request needs to be completed within 3 minutes. 
 

You can re-initiate the request through the merchant or sponsor bank.

Yes, you can still process the request successfully, provided the other mandatory validations are met.

Create, amend, suspend, cancel and revoke are real time services. After customer authorisation, the status (success/failure) of the activity will be displayed to the customer in real-time.
 

Yes, you will receive notifications (via SMS or email) for both successful and failed requests.

Please click here for the user guide manual on the online mandate creation, cancellation, amendment and revocation process.

To create an e-mandate, contact the merchant site or sponsor bank. Access the designated web page provided by the merchant site and enter the required mandate details. You will then need to select Bandhan Bank and choose an authentication mode (Net Banking, Debit Card or Aadhaar Card). Upon selecting Net Banking, you will be redirected to Bandhan Bank’s Internet Banking portal to log in and approve the e-mandate creation request.

For the detailed process, click here.

Banks in India that are members of any Payment System/Channel approved by the Reserve Bank of India, and that intend to enter into a mutual Service Level Agreement (SLA) with NPCI, will be permitted to originate transactions in the NACH system.

As per the current NPCI directive, NACH mandates can be issued for a maximum duration of 40 years from the date of issuance. Therefore, if any NACH mandate is presented by the corporate, merchant or sponsor Bank for a duration exceeding 40 years, it will be automatically rejected by NPCI. 

Yes, you can reject an e-mandate authentication request.

To amend an existing e-mandate, contact the merchant or corporate or sponsor bank where the mandate was initially created. Access the merchant’s website, enter the mandate details, and select Bandhan Bank with Net Banking as the authentication mode. You will then be redirected to Bandhan Bank’s Internet Banking portal to log in and approve the mandate amendment request.

The following fields can be amended:

• Start date

• End date

• Debit type (Fixed/Maximum)

• Amount

• Frequency

Only existing mandates in active status can be amended.

To cancel an existing e-mandate, contact the merchant or sponsor bank where the mandate was initially created. Access the merchant’s website, enter the mandate details, and select Bandhan Bank with Net Banking as the authentication mode. You will then be redirected to Bandhan Bank’s Internet Banking portal to log in and approve the mandate cancellation request. Alternatively, you can use the 'Service Request' section in the hamburger menu of Internet Banking or mBandhan app.

Mandate cancellation allows you to stop any registered active or suspended mandate on your Bandhan Bank account.

Only mandates that are active or suspended can be cancelled. Loan mandates cannot be cancelled.

The cancellation of a mandate is permanent and cannot be revoked.
 

To suspend an existing e-mandate, contact the merchant or sponsor bank where the mandate was initially created. Visit the merchant’s website, enter the mandate details, and select Bandhan Bank with Net Banking as the authentication mode. You will then be redirected to Bandhan Bank’s Internet Banking portal to log in and approve the suspension request.

Only existing mandates that are in active status can be suspended. Loan mandates cannot be suspended.

The suspension of a mandate is temporary and can be revoked by contacting the merchant site or the sponsor bank where the mandate was initially created.

If a suspension is not revoked by the due date, the mandate will automatically expire.

No, transactions will not be processed during the suspension period.

To revoke a mandate, contact the merchant or sponsor bank where the mandate was initially created. Access the merchant’s website, enter the mandate details, and select Bandhan Bank with Net Banking as the authentication mode. You will then be redirected to Bandhan Bank’s Internet Banking portal to log in and approve the mandate revocation request.
 

Only mandates in suspended or inactive status can be revoked.

Online mandate requests are authenticated through two-factor authentication, which involves logging into the Internet Banking portal and validating an OTP as the second factor.

The following account types do not allow mandate creation, amendment, cancellation, suspension, or revocation:

• Account blocked

• Account closed

• Account frozen

• Account inoperative

• Account not in regular status

• Minor account

• NRE Account - Non-Resident (External) Account

• CC account - Cash credit Account

• PF account - Provident Fund account

• PPF account - Public Provident Fund account

• KYC not completed

• Joint account

• Wallet account

• Accounts with view-only access in Internet Banking

• Accounts where payments are stopped by court order

• Accounts with withdrawal restrictions due to insolvency or lunacy

• Any other account status as determined by the Bank or regulator from time to time

No, online mandate requests cannot be authenticated through Internet Banking if you are not registered.
 

The mandate amount limit for both security and transaction mandates is ₹1 crore.

You can contact your home branch or raise a complaint with customer care by emailing to ‘customercare@bandhanbank.com’ or calling 18002588181 / 03366333333 / 03344099090 / 03340903333.

Yes, you can re-initiate a request through the merchant or the sponsor bank.

The authentication request must be completed within three minutes.

You can re-initiate the request through the merchant or the sponsor bank.

Contact the merchant or sponsor bank and follow the appropriate procedure to cancel or suspend a loan mandate.

Yes, you can still process the request if all other mandatory validations are met.

Create, amend, suspend, cancel and revoke are real time services. After customer authorisation, the status (success/failure) of the activity will be displayed to the customer in real-time.

Yes, you will receive notifications (via SMS or email) for both successful and failed requests.

Yes, you can view all your registered mandates on the Bandhan Bank account by navigating to Internet Banking or mBandhan app > Login > Dashboard > Toggle Menu > Service Requests > Mandate Management.

Please click here for the user guide manual on the online mandate creation, amendment, cancellation, suspension and revocation process.

To create an e-mandate, contact the merchant site or sponsor bank. Access the designated webpage provided by the merchant and enter the required mandate details. Next, select Bandhan Bank and choose an authentication mode (Net Banking, Debit Card or Aadhaar Card). If you select the Debit Card option, enter the debit card credentials followed by the OTP (received on the registered mobile number) and approve the e-mandate creation request.

Banks in India that are members of any Payment System/Channel approved by the Reserve Bank of India, and that intend to enter into a mutual Service Level Agreement (SLA) with NPCI, will be permitted to originate transactions in the NACH system.

As per the current NPCI directive, NACH mandates can be issued for a maximum duration of 40 years from the date of issuance. Therefore, if any NACH mandate is presented by the corporate, merchant or sponsor Bank for a duration exceeding 40 years, it will be automatically rejected by NPCI. 
 

You can amend or modify certain fields of an existing mandate using the amend functionality. The request will be initiated by the merchant or sponsor bank.

You can amend the following fields only:

• Start Date 
• End Date
• Debit type (i.e., Fixed / Maximum)
• Amount
• Frequency

Only existing mandates that are in active status can be amended. Transaction will be processed according to the modified fields.

To cancel an existing e-mandate, contact the merchant or sponsor bank where the mandate was initially created. Access the merchant’s website, enter the mandate details, and select Bandhan Bank with Debit Card as the authentication mode. If you select the Debit Card option, enter the debit card credentials, followed by the OTP (received on the registered mobile number) and approve the e-mandate cancellation request.
Cancellation of mandates is permanent, and no future debit transactions against the cancelled mandate will be allowed.

Only existing mandates that are in active or suspended status can be cancelled. 
Loan mandates cannot be cancelled. 
To cancel a loan mandate, you need to reach out to the merchant or sponsor Bank.

Cancellation of a mandate is permanent in nature and cannot be revoked.

With the suspend functionality, you can suspend or pause an existing mandate. No debit transaction against that mandate will be allowed. The request must be initiated by the merchant or sponsor bank.

Only existing mandates that are in active status can be suspended. 
Loan mandates cannot be suspended.
To suspend a loan mandate, you need to reach out to the merchant or sponsor bank. 

Through the mandate revoke functionality, you can remove the suspension applied on the existing mandates. The request will be initiated by the merchant or sponsor bank. 
On revocation, the mandate will become active and future debit transaction will be allowed for that mandate.

Only mandates which are in suspended or inactive active status can be revoked.

If the suspension is not revoked by the end date, it will automatically expire. 

Two factor authentication will be performed to authenticate the request. The first factor is the verification of card details and the second factor is the OTP validation.

The following types of accounts are restricted from using the e-mandate create, amend, cancel, suspend and revoke facilities:

• Account blocked

• Account closed

• Account frozen

• Account inoperative

• Account not in regular status

• Minor account

• NRE account

• CC account

• PF account

• PPF account

• KYC not completed

• Joint account

• Wallet account

• Accounts where payments have been stopped by attachment order, court order

Currently, the mandate amount limit for both for security mandates and transaction mandates is ₹1 crore.

You can contact your home branch or raise a complaint with customer care by emailing to ‘customercare@bandhanbank.com’ or calling 18002588181 /03366333333 /03344099090 /03340903333.
 

Yes, the request can be re-initiated by the merchant or sponsor bank. 

The authentication request needs to be completed within 3 minutes. 

You can re-initiate the request through the merchant or sponsor bank.

Yes, you can still process the request successfully, provided the other mandatory validations are met.

Create, amend, suspend, cancel and revoke are real time services. After customer authorisation, the status (success/failure) of the activity will be displayed to the customer in real-time.

Yes, you will receive notifications (via SMS or email) for both successful and failed requests.

Please click here for the user guide manual on the online mandate creation, cancellation, amendment and revocation process.

• Seamless, quick and efficient
• Available 24/7, 365 days a year
• Instant payment acknowledgment and challan receipt
• Multiple payment modes
• Secured transaction
   

GST payments can be done through:

Offline mode:

• Over the counter (through Bank branches)

Online modes:

• Internet Banking 
• Corporate Internet Banking 
   

Yes, a tax payer can initiate a payment by logging in to the GST portal here: https://services.gst.gov.in/services/login   

First time users to register for GST payments here: https://reg.gst.gov.in/registration/ and complete the process 
Upon completion of registration, user can log in with their username and password and initiate GST transactions by clicking here: https://services.gst.gov.in/services/login

A tax payer can make payments at all Bandhan Bank branches listed here: https://bandhanbank.com/banking-outlet-locator through cash (amount up to ₹10,000), cheque or DD 
 

While generating a GST challan a tax payer can select any of the below options:

For offline mode: 

• “Over the counter” from the list of payment options available on the portal and submit the generated challan at any Bandhan Bank branch location https://bandhanbank.com/banking-outlet-locator

For online modes: 
Select e-Payment mode > Net banking > Bandhan Bank from the list of banks.
Upon selecting Bandhan Bank the tax payer will be directed to choose either of the following:

• Internet Banking
• Corporate Internet Banking
   

If a maker has initiated the tax payment, the checker needs to log in and check under “dateline page of payments” module to view the pending transaction. If the transaction date is older than 15 days, then as per GST, the challan stands expired and the status of the pending transaction will become ‘expired'. In this scenario, a new challan would have to be generated from the e-filing portal here: https://services.gst.gov.in/services/login

Yes, the two-factor authentication (2FA) will be required to process Goods and Services Tax payment.

There is no limit on the number of transactions however the value of tax transactions depends on the transaction limit assigned to the particular corporate for the day through the online mode. 

Limit for the tax payment is provided on the basis of request submitted by the customer. If no limit is mentioned for the tax module, then limit of ₹25 lakh per transaction is provided to the corporate. 
 

No. The tax payment cannot be done over and above the transaction limit set at customer level.

In case a payment transaction has been cancelled, you will need to re-initiate a new transaction from the GST portal (https://services.gst.gov.in/services/login) and select Bandhan Bank and choose your preferred payment mode. A new Common Portal Identification Number (CPIN) (Unique Challan Number) will be generated and tracked for transaction.

A tax payer will have to log in to the GST portal to download challans for the tax payments processed successfully. Follow the below process:

• Login to (https://www.gst.gov.in/) with valid credentials 
• Click on Services > Payments > Challan History > Enter CPIN or GSTIN > View Challan > Download

Yes, a tax payer can view the transaction preview page with the Common Portal Identification Number (CPIN) (Unique Challan Number) generated prior making the payment.

Yes. Bandhan Bank will be providing the acknowledgement slip for all GST transactions which will include the Goods and Services Tax Identification Number (GSTIN) and Common Portal Identification Number (CPIN) generated through the GST portal.

• Yes, cheques and demand drafts of other banks will be accepted.
• Cheque/DD must be in favour of “Bandhan Bank Limited GST 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 turn-around time, Cheque Truncation System (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. A tax payer can pay by submitting the generated challan at any Bandhan Bank branch. https://bandhanbank.com/banking-outlet-locator “Over the counter” by selecting ‘cheque’ or ‘demand draft’ as the mode of payment.

Tax payers can process GST payments through all Bandhan Bank branches available at  https://bandhanbank.com/banking-outlet-locator

GST challans will expire 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 or rectifications, whatsoever, cannot be done after the payment has been successfully processed and a Challan Identification Number has been generated (CIN).

Bandhan Bank will not be able to undertake any refund or reverse the funds once the payment for GST transaction is successfully processed. Tax payer will have to contact the Central Board of Indirect Taxes for such requests and follow their prescribed guidelines.

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

The tax payer can raise the grievance on GST portal if the amount is debited from the account but not reflected in the electronic cash ledger (ECL). 

To check the status of transaction, grievances can be raised either before or after logging into the GST portal. 

• Log in to the GST portal with your credentials 
• Click on Services > Payments > Grievance against Payment (GST PMT-07)
• Enter the details of the grievance to be raised

Note: State is auto-populated, in case, you have logged in to the GST Portal. Or else, in case of pre-login, select the State from the drop-down list.
 

Users can view the status of a GST payment through Challan history. Challan history is available only after logging in to the GST Portal.

To track the status of your GST payment, follow these steps:

• Login to the GST portal (https://www.gst.gov.in/) with valid credentials. 
• Click Services > Payments > Challan History option

• 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. 

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    

• Register on Internet Banking - https://bandhanbank.com/rib-register

• Register on mBandhan app - https://bandhanbank.com/mb-register

• 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

• Internet Banking - https://bandhanbank.com/rib-forgot-password

• mBandhan App - https://bandhanbank.com/mb-forgot-password 

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:

• Forgot Password (Internet Banking) - https://bandhanbank.com/rib-forgot-password

• Forgot Password (mBandhan) -  https://bandhanbank.com/mb-forgot-password

• Forgot mPIN - https://bandhanbank.com/mb-forgot-mpin

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.