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KNOW YOUR CUSTOMER (KYC GUIDELINES)

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Features of SMS Banking

AADHAAR<space> 12-Digit Aadhaar Number<space>Account Number
E.g. If Aadhaar Number to be seeded is 526525365253 and 15 digit account number is SB\01\016253 then
Message should be – AADHAAR 526525365253 016253
(Leave only one space after each input)

ACTIVATE PIN Primary A/c
For PIN actual 4-digit PIN No should be entered. PIN word shouldn’t be written. For Account No, last 6-digit Account Number should be entered. For Example – If a customer has received PIN as 4576 and his account number is 0133/SB/01/034589, he should enter as follows
ACTIVATE 4576 034589
Pl Note: Whatever might be the account type customer should type only last six digit of his account No. Following are some examples which will illustrate
Assuming 4576 is PIN for all the cases
E.g 1. If account No is SB/01/002456 then he should send message as ACTIVATE 4576 002456
E.g 2. If account No is CBCA/01/125450 then he should send message as ACTIVATE 4576 125450
E.g 3. If account No is CLUCC/01/005123 then he should send message as ACTIVATE 4576 005123
IMP : Below mentioned are some of the common error cases which customer is doing due to which service is not getting activated.
1. Message will be sent without space as below ACTIVATE45762456
2. Message will be sent by typing entire account No as below ACTIVATE 4576 SB/01/002456.
3. Message will be sent by typing A/C after typing 4- digit PIN No like below ACTIVATE 4576 A/C 002456
4. Message will sent typing PIN NO along with 4-digit PIN no as below ACTIVATE PIN NO 4576 A/C 002456
5. Message will be sent by typing Alphabet 'O' instead of Zero '0' as below ACTIVATE 4576 OO2456

CBAL - For Primary Account CBAL A/c Number - For Other Accounts E.g : If Account No(Primary) is SB/01/002323 format is as below: CBAL
If Account No(Non primart account) is SB/01/001234 format is as below: CBAL 001234.
Note: For primary account No need to mention Account No

CTRN - For Primary Account CTRN A/c Number - For Other Accounts E.g : If Account No(Primary) is SB/01/002323 format is as below: CTRN
If Account No(Non primart account) is SB/01/001234 format is as below: CTRN 001234
Note: For primary account No need to mention Account No.

CFTRDebit A/cCredit A/cAmountPIN
E.g :IF debit Account No is SB/01/001234 and credit account No is SB/01/005678 amount to be transferred is 1000 and PIN is 6666 format will be CFTR 1234 5678 1000 6666.
Note: Per attempt(single transaction) max amount that can be transferred is Rs5000/- and per day limit is Rs5000/-.

CTRFDebit A/cCredit Alias AmountPIN
E.g :IF debit Account No is SB/01/001234 and credit Alias name is ABHI amount to be transferred is 1000 and PIN is 6666 format will be CTRF 1234 ABHI 1000 6666
Note: Credit Alias is short name which customer need to specify while giving beneficiary details for registration in branch.Only for pre registered beneficiary only amount can be transferred and for that customer need to give details to branch for registration.one time registration is required then after any No of time customer can use the beneficiary for transferring his funds.Below is the example of beneficiary details to be provided by customer.
Per Attempt(single transaction) max amount that can be transferred is Rs5000/- and per day limit is Rs5000/-.
1.Credit Alias : ABHI(This is short name or nick name of beneficiary to be specified by customer and it should be minimum of 4 character)
2.Branch Code: 003 (Customer may specify name of branch if he is not aware of Br code)
3.Account Number :SB/02/20292

CNEFTDebit A/cCredit Alias Amount PIN
E.g :IF debit Account No is SB/01/001234 and credit Alias name is ABHI amount to be transferred is 1000 and PIN is 6666 format will be CNEFT 1234 ABHI 1000 6666 
Note: Credit Alias is short name which customer need to specify while giving beneficiary details for registration in branch.Only for pre registered beneficiary only amount can be transferred and for that customer need to give details to branch for registration.one time registration is required then after any No of time customer can use the beneficiary for transferring his funds.Below is the example of beneficiary details to be provided by customer.
Per Attempt(single transaction) max amount that can be transferred is Rs5000/- and per day limit is Rs5000/-.
1.Credit Alias : ABHI(This is short name or nick name of beneficiary to be specified by customer and it should be minimum of 4 character)
2.IFSC Code : SBIN0000123 (11- digit IFSC code of beneficiary bank)
3.Account Number :604512541512
4.Name of beneficiary: Abinay K.N.

Syntax for doing IMPS through SMS is as below: IMPSDebit A/c NoBeneficiary Mobile No Benf MMIDAmountPIN
Example: If
1. Debit a/c no is SB/01/001234
2. Beneficiary Mobile No.: 9902888888
3. Beneficiary MMID: 9229864
4. Amount: Rs.200/-
5. PIN: 4444
Then - Syntax will be as below 
IMPS 001234 9902781818 9229864 200 4444

Syntax for doing IMPS through SMS is as below:
IMPS DebitA/cNo Beneficiary IFSC BenfAccount Number Amount PIN Remark
Example: If
1. Debit a/c no is 0133/SB/01/001234
2. Beneficiary IFSC.: SBIN0000123
3. Beneficiary Account Number: 6253568975214
4. Amount: Rs.200/-
5. PIN: 4444
6. Remark – 50 character Length – Alpha Numeric

Then - 
Syntax will be as below 
IMPS 001234 SBIN0000123 6253568975214 200 4444 Test

CCBRP/CPINFor Primary Account
CCBRP/CPINA/c NoFor Other Accounts E.g : If Chq book is required for primary account and Pin is 6666 format is CCBR P 6666 (Where P-Personally , C-Courier)

CCSRChequeNoFor Primary Account
CCBRP/CPINA/c NoFor Other Accounts E.g : For primary A/c if Chq No is 256345 then format will be CCSR 256345 
For Non primary A/c SB/01/001234 format will be CCSR 256345 1234

CRENA/c No
E.g : If deposit account number is FD/01/012345 CREN 012345 
Note – Deposit A/c to be renewed should be entered

CCPAA/c No
Note - A/c to be marked as new Primary A/c should be entered
E.g : If customer is having two accounts (which is linked to his mobile No) SB/01/001234 and CA/01/004321 presently he is having SB/01/001234 as primary and he wants to make CA/01/004321 as primary he should send message as CCPA 4321

CCPNOldPINNewPIN
E.g : If present SMS banking PIN is 4444 and he wants it change to 6666 then format should be CCPN 4444 6666

CCANA/c No
E.g: If account No of customer is SB/01/001234 then customer should send message as CCAN 1234

Genmmid
Customer has to send the message as genmmid to generate MMID for all his linked accounts. Once the request is processed MMID will be sent to the customers mobile during End of the day i.e around 9.30 – 10.30 PM via SMS.

MMIDlast 6-digit of the account number
E.g : If the account Number is SB/01/001234 then customer should send the message as MMID 001234
On sending this message customer will get the corresponding MMID which is present for that account.

Getting Mobile Banking Link for downloading the Application by sending SMS:
CMOB4-Digit SMS Banking PIN
e.g : If the 4-digit SMS banking PIN is 1234 then message is as below CMOB 1234

OTP4-Digit PIN. If Pin number is 1234
OTP 1234

All requests need to be sent to either of the following numbers

5667716

Or

9243717778

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