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IOB CONNECT MANUAL

INDEX:

1. ACCESSING APP:

IOB Mobile Banking app is dedicated to providing you with a safe, secure, and dependable Mobile Banking Account services.

Download:

IOB CONNECT application can be downloaded from Play store and App store with key word IOB CONNECT. Android version 10 and above are supported and iOS version 17 and above are supported.

Permissions:

App takes permission for notification, contact, camera and location.  This is required for pushing updates, pay to contact, profile photo updation, upload from gallery for QR code and location as a security feature.

2. Onboarding:

2.1 Pre-requisite: Customer should have Mobile number which registered with IOB Account in his/her Mobile device.

2.2 Registration:

• Open downloaded application → select SIM of mobile number registered in IOB account. Upon selecting SIM, SIM verification will happen. Silent SMDemo videoS will be sent from SIM, which is chargeable. So please make sureFAQ SIM is recharged with SMS pack.
• After SIM verification, OTP page will appear and provide OTP received in registered Mobile number.
• Input CIF ID or Account number. Accounts attached your CIF ID will be listed. Primary account to be selected and fund transfer can also be enabled.
• If Fund transfer enabled - MPIN to be set using either on of below mentioned details,

         »  Active debit card - 16 Digit debit card number, Exp details and ATM PIN required.

         »  Aadhar OTP validation - Aadhar to be registered in customer account number, whereas OTP will be delivered to Aadhar registered Mobile number.

• If Fund transfer is not enabled, customer can proceed with registration and login. Later stages customer can enable Fund transfer and MPIN can be set.
• Then customer need to set Passcode and by entering customer need to login to Mobile Banking application.

2.3 Possible Hiccups or Errors during registration:

• SIM Binding failure : Silent SMS during SIM binding is chargeable, hence customer SIM to be recharged with SMS pack.
• Mobile number registered with More than one CIF : For Mobile Banking registration, Mobile number is unique hence it should be registered with only one CIF ID.
• Enter valid CIF ID : Entered CIF ID of customer may not be verified, may be suspended or may not be a retail CIF ID. Mobile Banking registration of corporate CIF ID is not currently available.
• No Eligible account : To get registered in Mobile Banking application, customer need to have atleast one account which is eligible for Mobile Banking (Scheme wise and according to Mode of operation).
• Limits exceeded: As per NPCI norms customer will be allowed to do SIM binding (success or failure) only 3 times per day. If limit exceeds kindly try after 24 hrs.

 

2.4 LOGIN:

• Provide Passcode set and proceed for login. If customer forgot Passcode customer can use "Forgot Login Passcode" option, where customer need to provide CIF ID or Account number and OTP received in customer registered Mobile number.
• If customer enters wrong passcode for 5 times, passcode will be blocked. In case it gets blocked, customer need to set new passcode via "Forgot Login Passcode" option.
• Customer can find below options before login MB application:

         »  Dark or Light Mode - Customer can change mode of application which requires no validation from customers.

         »  Quick Actions - Balance, Transfer, UPI, Recharge, Deposit calculator and SOS → all these Pre-login functionalities requires Passcode/Biometric authentication from customer to proceed further.

• APPLY : Customer can apply various loans via URL redirection from MB application - As it is URL redirection there is no authentication required.
• Get in touch : Contact US details and Locate US (Branch and ATM) → Authentication not required.
• More : Currently Deposit rate and vKYC account opening options provided → Authentication not required
• Scan and Pay → Requires Passcode/Biometric authentication from customer to proceed for scan and pay.

3. HOME PAGE:

3.1 PROFILE:

• Profile Photo : Customer can use camera to take photo or can be uploaded from gallery.
• Content:

         »  Customer ID

         »  Email

         »  Mobile number

         »  Address

         »  CKYC ID

         »  PAN - masked (first and last 3 digits will be visible)

         »  Aadhar - masked (first and last 4 digits will be visible)

         »  FATCA Declaration

         »  To update KYC/Re-KYC - URL redirection.

3.2. SEARCH:

• Allows customer to search functionalities/menu via keyword. Recent searches and Popular topics option available.

3.3 NOTIFICATIONS:

• In application notifications for the customers will be displayed here with read/unread option for distinguishing.

3.4 SETTINGS:

3.4.1 SET PRIMARY ACCOUNT:

• Customer to select account from drop down and select primary account - which will be customer's PAY FROM account (customer can later on change the same).
• Upon giving Proceed & verify, now selected account will be set as primary account.

3.4.2 ENABLE/DISABLE FUND TRANSFER:

• Customer can Enable/Disable fund transfer for selected account in the list.
• If all the accounts are disabled for fund transfer, then upon enabling fund transfer customer need to set MPIN again.

3.4.3 MY LIMITS SETUP:

• Customer can set limits for below mentioned categories

         »  Bill Payments

         »  Credit card Payment

         »  IMPS

         »  NEFT

         »  Own account transfer

         »  RTGS

         »  Within bank transfer

• Limits allowed for all categories via IOB CONNECT application is as follows,

 

Below are the additional validations for during Quick transfer and Beneficiary Payment

 

3.4.5 BIOMETRIC SETTINGS:

• Customer can Enable or Disable biometric option. During enabling customer needs to login once. During subsequent login customer can use biometric option (Face recognition in IOS).
• Anytime customer can disable biometric option after login.

3.4.6 CHANGE LOGIN PASSCODE:

• Customer can change passcode by validation old passcode. Customer have below mentioned restrictions during passcode set.

         »  Passcode and MPIN cannot be same

         »  Last 3 times used passcode cannot be repeated

         »  Sequential or repetitive numbers are not allowed (e.g., 111111,123456,654321)

         »  No digit should be repeated more than twice in sequence (e.g., 222578, 666485)

• Every time customer change Login passcode, application will prompt customer to login again.

3.4.7 CHANGE MPIN:

• Customer can change MPIN by validating old MPIN. Customer have below mentioned restrictions during MPIN set.

         »  Passcode and MPIN cannot be same

         »  Last 3 times used MPIN cannot be repeated

         »  Sequential or repetitive numbers are not allowed (e.g., 111111,123456,654321)

         »  No digit should be repeated more than twice in sequence (e.g., 222578, 666485)

• Every time customer change MPIN, application will prompt customer to login again.

3.4.8 RESET MPIN:

• Customer can reset MPIN using Active debit card details or Aadhaar OTP.
• Debit Card:

         »  Customer needs to provide 16 digit debit card number, Expiry MM/YY details and ATM PIN.

         »  Debit card should be in Active status.

         »  Customer can select account in drop down for which debit card details available with customer.

         »  Upon validating debit card details, customer will be prompt to set new MPIN.

• Aadhar OTP:

         »  Customer Aadhaar number need to be registered with his/her account in IOB.

         »  Upon selecting the option, Aadhar OTP will be delivered to Mobile number registered with customer Aadhaar number.

         »  On validating OTP, customer will be prompted to set new MPIN.

• Every time customer set MPIN, application will prompt customer to login again.

3.4.9 SYNC INTERNET BANKING BENEFICIARY:

• Option provided to sync beneficiaries registered in Internet Banking. Payees registered in IB will be synced in MB only after activation i.e., after cooling period.

3.4.10 DARK MODE:

• Customer can toggle between dark and light mode of application.

3.4.11 DEREGISTER APP:

• Customer can deregister from IOB CONNECT application by providing MPIN as validation.

3.5. TOTAL ASSETS AND LIABILITIES:

• Customers operative/deposit available credit balance will be displayed as customer's assets and loan/CC outstanding negative balance will be displayed as customer's liabilities.
• Refresh Accounts/Balance option available, to refresh customers details. Last synced date and time is displayed under the option.

3.6. QUICK ACTIONS:

3.6.1. FUND TRANSFER:

3.6.1.1. SELF TRANSFER:

• This option is allowed only when customer have more than 1 operative account eligible for fund transfer linked to CIF ID.
• Customer can transfer funds from one account to another account of him/his without any limit.

SCHEDULED TRANSACTIONS:

• Customers all scheduled transactions initiated via Mobile Banking channel will be listed here with details,

         »  Amount

         »  Remarks

         »  Payee name

         »  Debit account number

         »  Payee account number

         »  Transfer type

         »  Frequency

         »  Remaining schedules (remaining schedules/actual schedules)

         »  Creation Date

         »  Start date

         »  End date

         »  Next Schedule date

         »  Transaction History with status and further details as below, Transaction details can be downloaded or shared.

            ¥ Payment message

            ¥ Debit account number

            ¥ Payee account number

            ¥ Reference Number

            ¥ Status

            ¥ Transaction type

            ¥ Reason for status (success or failure reason)

            ¥ Schedule Date

            ¥ Transaction date with time

         »  Stop Payment - Customer can stop scheduled payment initiated from MB at any time with MPIN validation.

• All scheduled transactions will be listed in the application both completed and pending for execution. In completed scheduled transactions - remaining schedules will be zero whereas count will be available in scheduled transactions which are to be executed.
• Customer can sort scheduled transactions with options,

         »  By New to Old

         »  By old to new

         »  From High to Low

         »  From Low to High

3.6.1.3. STANDING INSTRUCTIONS:

• In this menu customer can view standing instructions available in customer's operative account. Standing instructions scheduled by branch will be displayed here. It can only be viewed for customer's information and cannot be modified or stopped.

3.6.1.4. MANAGE MMID:

• Customer can select account number in drop down to view MMID mapped to a particular account number. If MMID is not available customer can generate MMID for selected account number.
• Already available MMID can be deleted and another MMID can be generated again.

3.6.1.5. PAYEE:

• SYNC

         »  Option provided to sync beneficiaries registered in Internet Banking. Payees registered in IB will be synced in MB only after activation i.e., after cooling period.

• ADD

         »  Customer can add payee under below mentioned 3 categories,

            ¥ Within IOB - Customer need to input Payee Nickname (Which is Unique), Payee Account number, Payee Name and Payee Mobile number (Optional). Payee Name will be automatically fetched from CBS as it is within IOB account.

            ¥ Other Bank IFSC - Customer need to input Payee Nickname (Which is unique), Payee Account number, Payee IFSC (which can be searched by providing bank and branch details), Payee account name (verify name option available to fetch beneficiary name if the facility is provided by beneficiary bank), Account type and Payee Mobile number (Optional).

            ¥ Other Bank MMID - Customer need to input Payee Nickname (Unique), Payee Mobile Number, Payee MMID, Payee account name and Account type.

• Favorites

         »  Customer can mark favorite flag in payee list (flag available adjacent to payee name in the list)

         »  Favorite marked payees will be listed separately in this tab for customer ease.

• All Payees

         »  All registered payees will be displayed here. Payees yet to be activated (in cooling period) will also be listed here but will be greyed out.

         »  Payee can be searched with name or nickname

         »  Payees can be sorted alphabetically ascending or descending way.

         »  Payees can be filtered based on category → Within IOB or Other Bank IFSC or Other Bank MMID.

• Added payees will be activated after cooling period of 4 hours and after activation, for first 20 hrs max amount for fund transfer to the payee is 1 Lakh. After 24 hours from payee addition, customer can transfer fund to payee with maximum of his/her IOB CONNECT limit.

3.6.1.6. UPI:

• Customer who have already registered in IOB UPI BHIM application, profile will be automatically fetched in IOB CONNECT application.
• For New users, Upon clicking UPI menu, VPA creation page will be opened where customer have to provide required VPA and set VPA.
• Then customer will be directed to Account fetch page, where customer has to select bank and there accounts opened in selected bank which is registered with customer's mobile number will be fetched. Customer can select the account and proceed.
• Customers home page for UPI will be navigated to, where below details will be available.

         »  UPI ID

         »  ACC number (bank name and last four digits)

         »  UPI number (If not created option to enable is provided)

         »  Balance (masked → customer has to opt for eye option → where UPI PIN will be asked to view account balance)

         »  My QR - QR code for the above account will be displayed

         »  Details, Upon clicking below details will be displayed

                 ⁎  UPI ID

                 ⁎  Linked accounts with settings. In settings,

                 ⁎  Display QR code

                 ⁎  Check Balance

                 ⁎  Change UPI PIN

                 ⁎  Forgot UPI PIN

                 ⁎  UPI Numbers (option to create, delete and reclaim)

FUND TRANSFER LIMIT (UPI)

• Through UPI, a person can transfer maximum of Rs.1,00,000/- in 24 hours where time starts from the time of transaction.
• Per transaction and per day limit of outward transactions from IOB accounts are Rs. 1,00,000/.
• Maximum of 20 outward P2P (person to person) transactions allowed per bank account within 24 hours.
• Person to Person (P2P) collect request maximum limit is Rs. 2000/- per transaction.
• Scan & Pay transaction from gallery maximum limit is Rs. 2000/- per transaction
• No restriction on number of merchant transactions, however maximum cap has been fixed as per MCC allotted to the merchant which may vary from merchant to merchant.
• NPCI has defined the limit for user to receive funds in their bank account via P2P in 24 hours. The limit is:
• 25 successful transactions
• 4 lakhs cumulative credit limit
• After registration, for first 24hrs, maximum transaction limit is Rs. 5000/-.
• Person to Person (P2P) collect request maximum limit is Rs. 2000/- per transaction.

                 ¥ While scanning QR from gallery, limit is 2000/- only.

 After fresh registration or account fetch on UPI using iOS [iPhone] Maximum 15,000/- is allowed for transaction limiting the same up-to 5000/- for each subsequent 24 hrs till 3days. It means customer can do maximum Rs 5,000/- transaction each day for next 3 days and after that usual UPI transaction limit of Rs 1 Lakh will apply.

 

• UPI LITE:

»  Customer can Enable and Top up UPI lite. Limit is upto 5000 where they can use this facility to initiate transaction without UPI PIN.

• PAYEE LIST: Customer added UPI Payee list will be displayed here, which is different from Mobile Banking payee list.

 

• QUICK ACTIONS:

»  SEND MONEY: where customer can perform UPI transactions via below mentioned modes,

             ¥  Via Payee

             ¥  Via UPI ID

             ¥  Mobile/UPI number

             ¥  Account+IFSC

             ¥  Self

             ¥  Scan & Pay

         »  SELF-TRANSFER: where customer can transfer funds between own VPAs if customer is having 2 or more accounts linked in application.

         »  PENDING REQUEST: Collect request sent and received will be available here. Collect request received can be responded (pay or reject) here. Status of collect request sent can be seen here. Refresh option available in the page to refresh for any latest requests.

         »  GENERATE QR: Where customer can generate QR for specified amount and for selected account (among different accounts registered for UPI in his/her application).

         »  SAFETY TIPS: UPI safety video by NPCI is displayed here for customer awareness.

         »  MANAGE UPI NUMBER: where customer can create/delete UPI numbers mapped to VPA. Customer can create up to 3 UPI numbers.

         »  RECENT TRANSACTIONS: Where customer can view recent UPI transactions and upon clicking below details can be viewed,

             ¥  Transaction status

             ¥  Amount

             ¥  Beneficiary name and date & time

             ¥  Download and share option

             ¥  From and to

             ¥  Payment mode

             ¥  UPI transaction ID

             ¥  Remarks

             ¥ TRANSACTION TRACKING

             ¥  Pay again option

         »  For failed transactions, option will be there to raise complaint and complaint status tracking is also available.

         »  UPI Lite Limits:

         »  Maximum per day spend limit -10,000

         »  Upload from gallery - Rs.2000

         »  UPI Lite- Per txn - 1000; Wallet maximum limit - 5000

• PAYMENTS:

         »  Customer can select payee and proceed to pay to make fund transfer to the selected payee.

         »  If selected payee is IOB account then below flow will be followed and the transaction is within bank

»  Pay later is scheduling option which requires below details, on providing details and submitted then transaction will be scheduled accordingly. Details of this scheduled transaction will be available in scheduled transactions option explained above in this manual.

            ¥ When (date of schedule)

            ¥ Frequency - One time or Recurring. If recurring, then

            ¥ Recurring frequency (Weekly, Monthly, Bimonthly, Quarterly, Half yearly and yearly)

            ¥  No of payments. Count differs according to frequency (Weekly - 52, Monthly - 60 , Bimonthly - 30 , Quarterly - 20 , Half yearly - 10 , Yearly - 5)

»  On proceeding confirmation page will appear, by verifying details and on confirming → payment will be completed after MPIN validation.

»  If selected payee is other bank payee then below flow will be followed and the transaction can be IMPS or NEFT or RTGS,

3.6.1.7. QUICK PAY:

• Customer can perform quick pay without adding beneficiary up to Rs.25000 and up to 4 quick pay transaction per day via below mentioned 2 options,

»  Transfer Via Account:

            ¥ Within Bank → customer can initiate within bank quick fund transfer upto 25000 for IOB account, whereas customer need to give payee account number and the name will be automatically fetched from CBS.

            ¥ Other Bank → Customer can initiate quick fund transfer upto 25000 via  IMPS or NEFT transaction to other bank account without registering as beneficiary. Transaction to be initiated with payee account number and IFSC details. Payee name can be verified if the facility is provided by beneficiary bank.

»  Transfer Via Mobile:

            ¥ Customer can initiate quick fund transfer upto 25000 via IMPS to other bank beneficiary without registering as payee. Transaction to be initiated with payee mobile number and MMID details.

RECENT PAYEE TRANSACTION:

• All recent payee transactions will be listed, with the details

        »  Beneficiary name

        »  Payee name

        »  Branch

        »  IFSC Code

        »  Amount

        »  Transaction date with time

        »  Transaction reference no

• Option provided at the bottom of the details page to repeat the same transaction where customer can change payment amount.
• Details can be shared with "Share details" option available at the bottom of details page.
• Option available to delete payee at the top of the details page.
• Recent payee transactions can be sorted as,

        »  By New to Old

        »  By Old to New

        »  From High to Low

        »  From Low to High

• Recent payee transactions can be filtered by providing start and end date.

3.6.2. mPASSBOOK:

• Customer can select account from drop down and transaction details can be viewed month wise (latest first)
• Next to next month transaction details can be viewed by selecting load more.
• Customer can opt for "Classic Passbook view" at the bottom of the page to view ledger details in the form of passbook.

3.6.3. SOS:

• DEBIT CARD TEMPERORY BLOCK: Customer can temporarily Block /Unblock debit card attached to selected account.
• STOP CHEQUE: Customer can mark Cheque status as "STOP" by providing cheque/cheques number pertaining to selected operative account from drop down.
• Customer needs to provide reason to stop cheque and cheque status can be marked as "STOP" with MPIN and OTP validation
• ACCOUNT DEBIT FREEZE: Customer can Debit freeze selected account. On freezing account customer cannot perform any transaction with the account. To Unfreeze customer need to reach out to home branch.
• BLOCK UPI: UPI registration can be blocked and Unblock can only be done through RCC/Branch.
• CONTACT US: Contact details for customer's various requirements are provided.

        »  24*7 Account blocking

        »  Customer service department

        »  Cyber police helpline no

        »  Digital complaints

        »  E-mail

        »  For cyber fraud related complaints (Email id and mobile number)

        »  NRI Helpdesk number

        »  Reach us out (IOB site)

        »  Toll free number

        »  UPI support E-mail id

3.6.4. ASBA IPO:

PROFILE:

• Customer can register ASBA profile under registered PAN. CIF ID and PAN details will be fetched from CBS, customer can add more than 1 profile with different depository ID under registered PAN.
• Inputs required to register profile:

        »  Nick name

        »  Status of bidder (Resident or Non-resident)

        »  Depository name (NSDL or CSDL)

        »  If NSDL → DP id and Client id to be provided. If CSDL → Demat account number to be provided

        »  Customer to take care of providing valid details as the same cannot be validated at application end. If any detail is not valid then ASBA application will be rejected by depository.

        »  On MPIN validation profile will be registered.

        »  All already registered profiles will be listed in Profile page.

OPEN IPO:

• All available open IPO will be listed here. Details available in listing page is,

        »  IPO Name

        »  Start and End date

        »  Price range

        »  Min quantity

        »  Min Investment

• On selecting required IPO, Apply IPO option will be available. Customer need to select investor Profile (Customer profile) and customer category to proceed further.
• Customer can either select Cut-off price (where max bid price will be selected automatically) or customer can enter Bid price within the range. Quantity to be selected. Once quantity and price selected then customer can add the BID.
• In a single application customer can add 3 BID.
• Amount to be blocked for this particular application details including discount value if any will be displayed.
• Customer need to select debit account(in which lien will be marked) to proceed further.
• After pre confirmation page having below details, IPO will be applied with MPIN validation.

        »  Investor name

        »  Investor category

        »  Depository name

        »  DP id, Client id or demat number

        »  PAN (masked)

        »  Bid details

        »  Pay from  (debit account)

• On application, customer will receive SMS with IPO application number and also acknowledgement page with application number.

 

APPLIED IPO:

• All customer applied IPOs will be listed in the page where customer can see applied date and total lien amount details
• Customer can cancel IPO applied before extracting the same to depository, using delete option available in respective IPO in applied IPO list.

3.6.5. START A DEPOSIT:

• MONTHLY:

        »  Special Fixed deposits - Monthly (SFDM) (Minimum Transaction limit - 3000 and tenure - 6months to 120months)

        »  Special Fixed deposit - 444 days (SFDM-444) (Minimum Transaction limit - 3000 and tenure - 444days)

        »  Tax saver -Special Fixed deposits- Monthly (TSSFM) (Minimum Transaction limit -  10000 and tenure - 6months to 120months)

• AT MATURITY:

        »  Short Deposit Receipt:7-14 Days (SDRN) (Minimum Transaction limit - 100000 and tenure - 7 to 14 days)

        »  Saral reinvestment deposit plan (SLRDP) (Minimum Transaction limit - 10000 and tenure - 12months to 120months)

        »  Recurring deposit (RDTAX) (Minimum Transaction limit - 50 and tenure - 6months to 120months)

        »  Tax saver reinvestment deposits (TSRDP) (Minimum Transaction limit - 10000 and tenure - 60months to 120months)

        »  Tax saver fixed deposit receipt (TSFDR) (Minimum Transaction limit - 10000 and tenure - 60months to 120months)

        »  Reinvestment deposit plan-444days (RDP-444) (Minimum Transaction limit - 1000 and tenure - 444days)

        »  Reinvestment deposit plan (RDP) (Minimum Transaction limit - 1000 and tenure - 6months to 120months)

        »  Short deposit receipt:15-179 days (SDR) (Minimum Transaction limit - 1000 and tenure - 15-179 days)

• HALF YEARLY:

»  Fixed Deposit Receipt (FDR) (Minimum Amount - 1000 and tenure - 6 to 120 Months)

• QUARTERLY:

»  Special Fixed Deposit - Quarterly (SFDQ) (Minimum Amount - 3000 and tenure - 6 to 120 months)

»  Tax saver - special fixed deposit - Quarterly (TSSFQ) (Minimum amount - 10000 and tenure - 60 to 120 months)

• To open any of the deposit mentioned above customer need to provide principal amount of deposit and tenure. Then Pay from account to be selected to debit amount.
• Customer can select already available nominee (present in existing operative account) or customer can add new nominee. For nominee date of birth is mandatory, if DOB is not available in already existing nominee application will prompt customer to update DOB in nominee details.
• Any change in nominee detail or newly added nominee will be updated.
• The customer has to select Auto-renewal (except for RD) with Limited or Unlimited option. Renewal is with Principal Only or with Principal+interest should also be selected.
• For RD - Auto pay option can be enabled, where scheduled transaction to deposit account will be automatically created. If customer wants to close RD, then this scheduled transaction to be closed.
• Customer need to select credit pay-out to account, where closure amount will be credited after deposit closure.
• On agreeing Terms and conditions, customer will be taken to pre confirmation page with below mentioned details,

        »  Deposit amount

        »  Deposit type

        »  Interest pay-out frequency

        »  Tenure

        »  Interest rate

        »  Maturity amount

        »  Interest

        »  Maturity Date

        »  Auto Pay enabled or Auto renewal details

        »  Nominee details

        »  Pay from account

        »  Credit pay-out to account

• Upon confirming, Deposit will be opened after MPIN validation.
• Deposit opening acknowledgement page will be displayed with below details which can be downloaded and shared.

        »  Status of deposit opening - success or failure

        »  Amount of deposit

        »  Time and date of deposit opening

        »  Name

        »  Branch

        »  Deposit type

        »  Deposit account number

        »  Interest pay-out frequency

        »  Tenure

        »  Interest Amount

        »  Interest rate

        »  Maturity Amount

        »  Maturity date

        »  Auto renewal

        »  Nominee

        »  Pay from

        »  Credit pay-out to

4. ACCOUNTS:

4.1. ACCOUNTS CARD VIEW:

4.1.1. OPERATIVE:

• Details available in card view are Total available balance, Add Money option, UPI and Details. Eye button is available to view balance which is generally masked.

• Customer upon opting for "UPI" option, page will be redirected to comprehensive UPI functionality page.
• Customer upon opting for "Details", page will be redirected to listing of operative accounts with "Add Other Bank Account" option.

        »  Which is Account aggregator option, where customer can add other bank accounts in our application. On click the option, information will be displayed stating "Added account will be reflected after 5 mins".

        »  It will be redirected to account aggregator page "Anumati" where customer has to proceed by providing OTP received in registered mobile number.

        »  Customers account with other banks will be displayed here (including IOB account). Customer can select required account to be fetched and need to provide consent.

        »  Once consent is processed success pop-up will come.

        »  Then fetched account will be listed in Operative account category of all accounts list.

 

• All operative accounts will be listed as separate boxes. In which account number and available balance will be displayed.
• On clicking the box, it will be navigating to detailing page of respective account, which has below details

      »  Account holder name

      »  Acc. number

      »  Available Balance

      »  Debit card number (Masked)

      »  View Account details (on clicking on this we get below details with share option to share account details)

      ¥ Account number

      ¥ Account type

      ¥ IFSC code

      ¥ Open date

      ¥ Status

      ¥ Mode of operation

      ¥ Lien amount

      ¥ Average Quarterly/Monthly Balance

      ¥ CIF ID

      ¥ Mobile number

      ¥  Email address

      ¥ Nominee

      ¥ Address

      ¥ Nominee details - Nominee name

      ¥ Relationship with nominee

      ¥  Nominee date of birth

      ¥ Nominee address

      »  Mini statement (last 10 transactions detail)

      »  Detailed statement - Can be taken with below mentioned duration options and can be downloaded. Password is "First 4 digits of CIF id and last 4 digits of mobile number"

      ¥ Current month

      ¥ Last One month

      ¥ Las three months

      ¥ Last six months

      ¥  Number of transactions

      ¥  Date wise

      »  Email statement - Detailed statement explained in above point, with same process statement can be sent to email with this option.

      »  Fund transfer - Navigation

      »  Mpassbook - Navigation

      »  Service requests - Navigation

 

4.1.2. DEPOSITS

• Details available in card view are Total available balance, Start a deposit and Details. Eye button is available to view balance which is generally masked.
• Customer Upon opting for Start a Deposit option it will be navigate to "Start a deposit" tab explained above in this manual.
• Customer upon opting for "Details", page will be redirected to listing of deposit accounts with "Add Other Bank Account" option.
• ADD OTHER BANK ACCOUNT:

      »  Which is Account aggregator option, where customer can add other bank accounts in our application. On click the option, information will be displayed stating "Added account will be reflected after 5 mins".

      »  It will be redirected to account aggregator page "Anumati" where customer has to proceed by providing OTP received in registered mobile number.

      »  Customers account with other banks will be displayed here (including IOB account). Customer can select required account to be fetched and need to provide consent.

      »  Once consent is processed success pop-up will come.

      »  Then fetched account will be listed in Operative account category of all accounts list.

• All deposit accounts will be listed as separate boxes. In which Deposit scheme type, account number, Deposit amount, FD or RD and Maturity date will be displayed.
• On clicking the box, it will be navigating to detailing page of respective account, which has below details

      »  Deposit account scheme type, code and FD or RD

      »  Deposit account number

      »  Deposit amount

      »  Maturity Date

      »  Maturity Amount

      »  Clear Balance amount

      »  Interest rate

      »  Tax exemption

      »  Detailed statement - Can be taken with below mentioned duration options and can be downloaded. Password is "First 4 digits of CIF id and last 4 digits of mobile number"

      ¥ Current month

      ¥ Last One month

      ¥ Las three months

      ¥ Last six months

      ¥ Number of transactions

      ¥ Date wise

      »  TDS Certificate - Customer can take TDS certificate for last 3 financial year and can be mailed to registered E-Mail id.

      »  Customer can change existing nominee details for deposit account and can existing nominee itself by providing below required details,

      ¥ Nominee name

      ¥ Relationship with nominee

      ¥ Nominee date of birth

      ¥ Nominee address (can be selected as same as depositor)

      »  Close deposit - Customer can close/pre-close the particular deposit, provided it should be opened via Mobile Banking channel.

      »  Deposit receipt - Customer can view receipt of particular deposit.

 

4.1.3. LOANS

• Details available in card view are Total Outstanding balance, Pay, Apply and Details. Eye button is available to view balance which is generally masked.
• Customer Upon opting for "Pay" option it will navigate to Repay Loan page, where customer can make a payment to the selected loan account. Can make payment immediately or can make schedule to pay later.
• Apply option in card view navigates to various URL redirection of different Loan provided by our bank.
• Customer upon opting for "Details", page will be redirected to listing of Loan accounts, Total outstanding balance with "Add Other Bank Account" option.
• ADD OTHER BANK ACCOUNT:

      »  Which is Account aggregator option, where customer can add other bank accounts in our application. On click the option, information will be displayed stating "Added account will be reflected after 5 mins".

      »  It will be redirected to account aggregator page "Anumati" where customer has to proceed by providing OTP received in registered mobile number.

      »  Customers account with other banks will be displayed here (including IOB account). Customer can select required account to be fetched and need to provide consent.

      »  Once consent is processed success pop-up will come.

      »  Then fetched account will be listed in Operative account category of all accounts list.

• All loan accounts will be listed as separate boxes. In which Loan scheme type, account number and Outstanding Balance will be displayed.
• On clicking the box, it will be navigating to detailing page of respective account, which has below details

      »  Total Outstanding Amount

      »  Total Loan Amount

      »  Loan Tenure

            »  View Loan details - Will navigate to loan details as below with share option,

            ¥ Account number

            ¥ Account scheme

            ¥ IFSC code

            ¥ Open Date

            ¥ Status

            ¥ Mode of operation

            ¥ Loan tenure

            ¥ Interest Rate

            ¥ Account currency

            ¥ Sanctioned amount

            ¥ Disbursed amount

            ¥ Outstanding amount

            ¥ Instalment amount

            ¥ Customer ID

            ¥ Mobile number

            ¥ Email address

            ¥ Address

      »  Detailed statement - Can be taken with below mentioned duration options and can be downloaded. Password is "First 4 digits of CIF id and last 4 digits of mobile number"

            ¥ Current month

            ¥ Last One month

            ¥ Las three months

            ¥ Last six months

            ¥ Number of transactions

            ¥ Date wise

      »  Email statement - Detailed statement explained in above point, with same process statement can be sent to email with this option.

      »  All URL redirection for various loan and other services will be listed in the page.

REFRESH ACCOUNT:

• Refresh Accounts/Balance option is available to refresh account details and balance while customer is already logged in the application.
• When customer is using the application, if any changes occurred in customer account like Debit card status update, Balance update, ASBA details update etc., can be updated by clicking on the refresh button available.
• Below refresh option there is a display of last synced date and time.

 

4.2. QUICK ACTIONS:

4.2.1. TRANSFER: As explained as above

• Comprehensive Recharge and Bill payment option
• MY RECHARGES & BILLS:

      »  Added billers will be listed here as scroll cards with Due amount for the biller if any. If there is no bill due then "No bills due" will be displayed.

      »  On clicking the biller card, if there is any due then payment page will be there and payment can be done with MPIN validation

      »  View All/Manage option available which allows to display list of billers added and with option to add new biller.

      »  Opting for "Add" will navigate to list of Billers categories/Billers available in application. Where customer can select biller required and can be added with consumer details. Autopay can be set for eligible Billers.

• PAYMENT CATEGORIES:

      »  This tag has all billers available to make instant payment without adding billers. In home page selected 6 categories (Mobile, Electricity, DTH, FASTag, Cable TV, Gas)

      »  Upon clicking View all, All billers listed under categories will be displayed. List is as below,

            ¥ RECHARGE:

            ⁎  DTH

            ⁎  FASTag

            ⁎  Mobile Prepaid

            ⁎  NCMC Recharge

            ¥ UTILITIES

            ⁎  Cable TV

            ⁎  Electricity

            ⁎  Gas

            ⁎  Hospital

            ⁎  Landline Post-paid

            ⁎  LPG Cylinder

            ⁎  Water

            ¥ TAX & FINANCES

            ⁎  Tax

            ⁎  Credit card

            ⁎  Insurance

            ⁎  Loan

            ⁎  Municipal Services

            ¥ OTHERS

            ⁎  Clubs and Associations

            ⁎  Donation

            ⁎  Education

            ⁎  Housing Society

            ⁎  Broadband Post-paid

            ⁎  Mobile Post-paid

            ⁎  Subscription

            ⁎  Mutual Fund

      »  Customer can any of the category required and can select biller available in the category to proceed for payment with required details to be provided.

      »  During Bill payment or recharge, there are 2 cases i.e., Success of failure. Upon payment gets success bill/recharge will be paid/Done. If payment is failed, it may be due to various reason hence amount debited will not be reversed immediately.

      »  Hence for failed Bill/Recharge transactions amount debited will be reversed only after reconciliation i.e., T+1 basis.

• RECENT TRANSACTIONS:

      »  Bill/Recharge payments done will be listed here with an option to view all. Whereas customer needs to input date range, only 1 month bill payments details can be fetched here.

      »  If clicked on any transaction, below listed details will be displayed.

            ¥ BBPS reference Number

            ¥ Bill service name

            ¥ Bill category

            ¥ Mobile Number

            ¥ Bank Reference Number

            ¥ Bills Payment Amount

            ¥ Bill payment channel

            ¥ Bill Payment Mode

            ¥ Bill Transaction Date

            ¥ Status

      »  Transaction details can be downloaded or shared.

• COMPLAINTS:

      »  It is a complaint redressal system by BBPS, where customer can raise a complaint with BBPS reference number, Disposition details and Remarks.

      »  In Disposition customer can select among below provided options,

            ¥ Transaction successful, account not updated

            ¥ Amount deducted; biller account credited but transaction ID not received

            ¥ Double payment updated

            ¥ Amount deducted; biller account not credited set define off; ID not received

            ¥ Others, provide details in description

            ¥ Erroneously paid in wrong account

            ¥ Amount deducted multiple times

      »  Complaint can be register and the status of the complaint can be viewed. History option available to see previous history of complaints registered.

4.2.3. RECHARGE:

• It will navigate to Mobile post-paid recharge page, where customer can input Mobile number or can fetch Mobile number from contact.
• Once Mobile number is given, Operator details will be automatically fetched. Customer need to select Recharge plan from available listed plans.
• Debit account has to be selected from drop down is customers having more than one operative account. (Default debit account is Primary account set in application).
• Then Mobile recharge can be completed with MPIN validation.

4.2.4. REPAY LOAN:

• This option is for repay loan accounts which belongs to customer. Loan repayment process involves below flow,

 

4.2.5. PAY DUES:

• Where list of Billers added in Bill payment, will be listed here with Due amount if there is any or with indication "No Bills due".
• Customer can click on any biller ad initiate payment if there is any dues.
• Payment will be completed with MPIN validation.

• Menu exclusively for recharging IOB FASTag. Can be proceeded with any one of the credential - Vehicle registration number or Mobile number or Wallet ID.
• Where customer can recharge IOB FASTag with MPIN validation.
• Redirection option provided in bottom of the page to navigate to other bank FASTag recharge option available in Bill Payments.

RECENT TRANSACTIONS:

• List out all transactions initiated from Mobile Banking application with indicator of transaction status (Success or failure or timeout).
• Customer can click on any transaction to view details which can be downloaded or shared. Transaction details provided are,

      »  Transaction description

      »  Remarks

      »  SRN

      »  Transaction Status

      »  Transaction Amount

      »  Transaction Date

• Repeat transaction option available at the bottom of transaction details page.

 

5. CARDS:

5.1. DEBIT CARD - BOX VIEW:

• Debit card count customer owns with different account will be provided. Each debit card will be displayed in separate box view where customer can select a box of required card.
• In box view details available will be,

      »  Debit card number - Masked

      »  Card type (Rupay / Visa/ Mastro)

      »  Debit card status

      »  Linked acc. number

      »  Block/Unblock option - Which will temporarily block (suspend) debit card selected

      »  Details - On clicking details options with respect to status of card will be listed as given below.

Active Card :

            ¥ Change PIN

            ¥ Temporary Block

            ¥ Permanent Block/Hotlist Card

            ¥ Manage

            ¥ Upgrade

            ¥ Replace

Inactive Card:

            ¥ Activate Debit card

Replaced Card

            ¥ No option

Upgraded Card

            ¥ Change PIN

            ¥ Manage

Suspended Card

            ¥ Unblock card

 

 

5.2. QUICK ACTIONS

5.2.1. APPLY:

• Drop down option to select account will be displayed, If customer has only one account then it will be automatically selected and proceeded further.
• Customer has to select required variant of card and will be applied with MPIN and OTP validation.
• If customer already has Debit card then "Card has been issued already to this account" error will occur.

5.2.2. MANAGE:

• Drop down option to select account will be displayed, If customer has only one account then it will be automatically selected and proceeded further.
• Then customer will be provided with option to select various limits such as ECOM, POS, Withdrawal and can enable disable NCMC and Contactless payment option.
• Customer can set provided limits with MPIN validation.

5.2.3. SET PIN:

• Drop down option to select account will be displayed, If customer has only one account then it will be automatically selected and proceeded further.
• Customer can set Debit card PIN for the card attached to selected account.
• Debit card PIN can be set with Card details and MPIN validation.

5.2.4. CHANGE PIN:

• Drop down option to select account will be displayed, If customer has only one account then it will be automatically selected and proceeded further.
• Debit card PIN for the card attached to selected account can be changed by providing and validating existing PIN.

5.2.5. CREDIT CARD PAYMENT:

• Already added credit card payee will be listed and option to add new credit card payee is in top right corner.
• ADD Card: Details to be provided to add new card beneficiary,

      »  Nick name (Unique)

      »  Card Number

      »  Card Holder Name

• Upon adding the card, payment can be initiated after cooling period of 4 hrs. Cooling period validation is same as that of payee transactions.
• Customer can add any Credit card details of IOB for payment. Card details will be validated while making payment. During Credit card addition card will not be validated, hence customer to be extra vigilant while adding card.

6. OTHERS:

6.1. PPF Account BOX view (OWN PPF account):

• Details provided in Box view of PPF account:

      »  PPF account number

      »  Open Date

      »  Maturity Date

      »  Invest Now : Option provided to make payment to Own PPF account available for customer. Customer needs to enter amount of investment within provided limit and select debit account from drop down to proceed for payment.

      »  Details : Which provide further details of PPF account,

            ¥ PPF account holder name

            ¥ PPF account number

            ¥ Maturity Date

            ¥ View Account details:

            ⁎  Customer Name

            ⁎  Account number

            ⁎  Account open date

            ⁎  Maturity date

            ⁎  Registered address

            ¥ View statement : customer can select From date and end date to view PPF statement

            ¥ View Certificate : Customer can select from date and end date to view PPF certificate

            ¥ Make payment.

 

QUICK ACTIONS:

• Customer can select added PPF payee to make transfer
• Customer can also Add new PPF payee by providing Payee Nickname (Unique), Payee Mobile number (Optional), Payee Account number. Payment can be initiated to added payee after cooling period of 4 hrs. Cooling period conditions applied for PPF payee also like Fund transfer beneficiary.

OPEN PPF:

• Open PPF account option will be available for customer who doesn't have PPF account.

• Customer can select account and required Month from drop down, further customer can view below details for selected account for selected tenure.

      »  DETAILED STATEMENT : where list of all transaction done in selected month will be displayed. Where customer can select transaction and categories the same.

      »  CASH FLOW: Customer's cash for selected account for the selected month will be displayed graphically. X-axis represents weak of the month.

      »  CATEGORY WISE EXPENCES: Customers categorised transactions for selected month and account will be represented here graphically.

      »  MERCHANT WISE EXPENCES: Customers transactions categorised based on merchants will be represented here graphically.

 

8. MORE:

8.1. SERVICE REQUESTS:

8.1.1. AADHAAR SEEDING:

• It will redirect to IOB website, where customer can link Aadhaar number to his/her IOB account number by providing following details,

      »  SB/CDCC account number

      »  Aadhaar Number

      »  Registered Mobile number

      »  Link my Account to NPCI for DBT - Yes or No

      »  If DBT is Yes, select Nam e of the previous bank (select bank if any)

      »  By providing consent customer can link Aadhaar with Account number

• If Aadhaar number is already linked with provided account number, then already seeded prompt will come.

8.1.2. AADHAAR SEEDING VIEW:

• It will redirect to IOB website, where customer can view status of Aadhaar seeding with provided account number by providing following details,

      »  SB/CDCC Account number

      »  Aadhaar Number

      »  Registered Mobile number

8.1.3. AGRI SERVICES:

• Agri Kissan card and Agri Transport Loan: URL redirection to IOB website where customer can apply for mentioned Agri services/loan

8.1.4. DIGI LOCKER:

• URL redirection to Digi locker official government website

8.1.5. FORM 16a PENSIONERS:

• Where customer can download various form 16 and 16a for staff, ex staff and pensioners by providing following details,

      »  PAN Number

      »  Registered Mobile Number

      »  Assessment Year

8.1.6. REQUEST FOR LOCKER:

• URL redirection to IOB website where customer can apply for locker in required branch.

8.2. CHEQUE:

CHEQUE STATUS:

• Customer can select account from drop down and can check status of single or Multiple cheque assigned to selected account.
• For Single cheque - Cheque no to be provided.
• For Multiple cheque - Cheque number and following number of leaves to be provided.

CHEQUE BOOK REQUEST:

• Customer can select account from drop down and select cheque book type, then can be requested with MPIN validation.
• Cheque book will be delivered to registered address in the selected account.

 

STOP CHEQUE:

• Customer can mark Cheque status as "STOP" by providing cheque/cheques number pertaining to selected operative account from drop down.
• Customer needs to provide reason to stop cheque and cheque status can be marked as "STOP" with MPIN and OTP validation.

INWARD CHEQUE CLEARING:

• Customer needs to select account from drop down, from date and to date.
• Cheque submitted for clearing for the selected account if any will be displayed with the status.

OUTWARD CHEQUE CLEARING:

• Customer needs to select account from drop down, from date and to date.
• Cheque presented for clearing for the selected account if any will be displayed with the status.

POSITIVE PAY APPLY:

• Customer should submit cheque details under positive pay option for those cheques issued to payee with value of 50000 and above. Details to be submit positive pay are,

      »  Account (Drop down)

      »  Cheque Number

      »  Paying To (Payee name)

      »  Amount

      »  Cheque date

      »  Transaction type (Savings Account cheques, Current Account Cheques, Bankers Cheque, Cash/CR account cheques, Dividend cheque, At Par current account cheques, At par cash credit account cheques, At par savings bank cheque)

POSITIVE PAY ENQUIRY:

• Customer can select account in drop down, From date and to date, to check any positive pay submitted for selected date range.

LOANS:

• URL redirection to IOB websites to apply various loans,

      »  Loan Against Property

      »  Pension Loan

      »  Policy loan

      »  Agri Transport Loan

      »  Dairy Loan

      »  Education Loan

      »  Dairy Loan

      »  Education Loan

      »  Gold Loan

      »  Home Loan

      »  Jewel Loan

      »  Joint Liability group Loan

      »  KCC Loan

      »  Personal Loan

      »  SHG Loan

      »  Vehicle Loan

8.3. DEPOSITS:

DEPOSIT CALCULATOR and START A DEPOST: Same flow as described already above

DEPOSIT CLOSURE:

• Customer has to select a deposit account to close the same. Deposit opened via Mobile Banking channel can only be closed via MB channel.

DEPOSIT RECEIPT:

• Customer can select a deposit account from drop down to view and download receipt.

DEPOSIT ENQUIRY:

• This page will redirect to account listing of deposit accounts, Where all deposit accounts will be listed. Customer can select required deposit account to view account details.

SUBMIT FORM 15G/H:

• Customer can submit Form 15G/H whereas details will be fetched from CBS. Customer should provide other income details and proceed for submission.

8.4. MISCELLANEOUS:

8.4.1. FORM 15G/H

• Customer can submit Form 15G/H whereas details will be fetched from CBS. Customer should provide other income details and proceed for submission.

8.4.2. FORM 16

• Customer can select financial year (3 financial years option will be provided) and Quarter for which Form 16 required. Then Form 16 can be downloaded.

8.4.3. LOCKER ENQUIRY

• Customer can select required branch for which availability of locker is required and proceed. Then Branch category (Rural/Semi urban/Urban/Metro) will be displayed along with number of locker available in the branch and size of the locker.

• Customer id and customer name detail will be fetched from CBS and displayed. Then customer need to select account type for which balance certificate required - Operative account or Deposit account or Loan account.
• Then customer can download Balance certificate for account type selected. Which is password protected. PW - first 4 digits of CIF and last 4 digits of mobile number.
• Content of balance certificate:

      » Date of generation

      »  Balance confirmation as on date and time

      »  Customer name

      »  Account number

      »  Balance (Dr or Cr)

8.4.5. INTEREST CERTIFICATE:

• Currently customer can download interest certificate of below mentioned loan types,

      »  Education Loan

      »  Housing loan

      »  Staff housing loan

• Upon selecting any one of the loan type, respective type of loan attached with customer's CIF will be fetched and customer need to select financial year for which interest certificate is required. 3 financial year option will be available.
• Interest certificate for selected account and tenure will be sent to registered email.
• Content of Interest certificate:

      »  Customer name

      »  Customer id

      »  Branch

      »  Loan type

      »  Period of certificate

      »  Account number

      »  Amount

8.4.6. TDS CERTIFICATE:

• Customer CIF ID and registered Email address will be fetched and displayed. Customer needs to select required financial year. 3 financial year option will be available.
• TDS certificate for selected tenure will be sent to registered email address.

8.4.7. AADHAAR ENABLED PAYMENT SYSTEM:

• Aadhaar linked account number and Account holder name will be fetched from CBS. Customer will be provided with the option to Enable or disable AEPS from the mentioned account.

• While opting for Atal pension yojana, customer will be asked for "Are you an income tax payer?" - Income tax payer will not be allowed to opt for APY.
• Then age will be validated, customer of age less than or equal to 40 will be allowed to opt, where customer has to provide below required details,

      »  Debit account customer has to select (from which subscription amount will be debited monthly).

      »  DOB (Will be fetched from CBS)

      »  PAN (will be fetched from CBS)

      »  Are you existing swavalamban subscriber

      »  Are you beneficiary of other social security plan

      » Marital status

      »  SMS subscription (yes/No)

      »  Nominee details

      »  Amount of pension to be opted

      »  Subscription amount will be displayed

• On submission of details, APY will be opened with ref number.

8.4.9. IOB SURAKSHA:

• Customer needs to select Debit account number in drop down and details such as Customer ID, Name and Address will be displayed.
• Plan Type to be selected by customer.
• Occupation of the customer to be selected and self-confirmation of Disability (Yes/No) to be provided.
• Nominee to be selected/Added
• Then customer can proceed for IOB Suraksha application with MPIN validation.

8.4.10. PMJJBY:

• Customer Needs to select Debit account number
• Premium amount will be displayed, and option will be available to add Nominee.
• Customer needs to read information and proceed further with MPIN validation.

8.4.11. PMSBY:

• Customer Needs to select Debit account number
• Premium amount will be displayed and Self- confirmation of Disability (Yes/No) to be provided.
• option will be available to add Nominee.
• Customer needs to read information and proceed further with MPIN validation.

8.4.12. COMPLAINTS:

• Customer can lodge complaint by providing account number and OTP sent to registered mobile number.
• Once customer lodges complaint in required category, complaint id will be created and the same will be sent via SMS also.
• Customer can track the complaint with complaint ID.

8.5. CONTACT US:

• Email id and phone number for raising complaints MB complaints, Cyber police helpline, Contact for blocking account, cyber fraud reporting contact and NRI helpdesk number are provided.

8.6. LOCATE US:

• Where customer can get details of nearby branch and ATM. Also customer can locate IOB branches and ATM with,

      »  Branch/ATM name OR

      »  State

      »  City

      »  Locality

      »  Radius

8.7. GIVE FEEDBACK:

• Customer can provide feedback about the application - both "What did you like the most?" and "What could be better?". Customer can select already provided feedback or can select other and input own feedback.

8.8. RATE THE APP:

• Customer can rate our application. Customer will be provided with option to write a review where if 3 or below star is given.

8.9. DEMO VIDEO:

• Customer can view Demo video for various functionalities.

8.10. FAQs:

• Customer can find frequently asked questions about IOB CONNECT Mobile banking application functionalities and limits.