RETAIL & CORPORATE

INTERNET BANKING
INTERNET BANKING

Internet banking, e-banking or

virtual banking , is an electronic payment
system that enables customers of a bank or
other financial institution to conduct a range
of financial transactions through the financial
institution's website.
https://www.onlinesbi.com
INTERNET BANKING – Offerings

 Retail Internet Banking – Personal

 Corporate Internet Banking

State Bank Secure OTP

Bharath Billpay

Bharath QR & SB Collect

Yono – Desktop Version

Yono Lite & Anywhere Corporate/ Samadhan

Security Features

› Safe and secure Online Banking, with Virtual key board

› ISO 27001 Online site certified by VeriSign
› Encrypted data interchange with 256 bit EVSSL
› Dual authorization permitted, Triple password security
› Option for masking / hiding of accounts
› SMS ALERT / State Bank Secure OTP
INTERNET BANKING – TYPES
RETAIL INTERNET BANKING
 How to get Started ?
With ATM Card
No Need To Visit Branch
User Driven Registration
Onlinesbi.com  New User Registration
CIF , Account No , Registered Mobile Number
Choose Desired Username & Login Password
Complete Procedure using ATM Card & PIN
OTP Will be Sent to Mobile No
 Confirmation Message will be sent
After registration use the credentials to login
Set up the Profile and also set Profile Password
Can Use the same Credentials for Yono also
Without ATM Card
User can start the registration Procedure
Onlinesbi.com  New User Registration
Branch Intervention is required
After regisration user can submit the form to
home branch
Branch can provide either online SMS Kit /
Pre Printed INB kit
Default Username sent to Mobile No
Change the Username and Password
Set Up The Profile and also set Profile Password
Can Use the same Credentials for Yono also
Go to the homepage of SBI net banking, www.onlinesbi.com
Click on “New User Registration/Activation” link.
Enter Account number, CIF number, branch code, country, registered mobile number, the
facility required and click on the “Submit” button.
Enter OTP (One Time Password) received on your registered mobile number
Select ATM card to proceed for activation of the services.
If you don’t have an ATM card, your branch will complete the registration process for you.
Note temporary username and create login password (The password should be eight
characters long, a combination of upper and lower case letters, at least one number and one
special character) and re-enter the password and click submit to complete the registration
process.

Login with temporary username and newly created password.

Create a username of your choice that will be your permanent username.
Accept terms and conditions and set the login password and profile password and select hint
questions and create answers for hint questions.
Enter the date of birth, country of birth and registered mobile number.
Click on “Account Summary” link to view all account mapped with your account.
If you are registered with “View Only Rights”, contact your branch to activate your “transaction rights”
with a printout of your online registration process.
 RINB – Features
Viewing / Hiding of accounts.
Airline, Rail, Bus and hotel ticket booking ,Online Shopping and instant recharge features
Viewing / Printing / Download of statement of accounts in PDF and Excel formats.
Options for Cheque book request / Stop payment request / SMS alert request
Facility to view Annual Income tax credit statements (Form 26AS)
A suite of completely online deposit products (Fixed, Recurring, Flexi, Tax Saving etc.)
Funds transfer - to own ,third party and other bank accounts via RTGS / NEFT / IMPS.
Options available for scheduling transactions and to set standing instructions.
Public Provident Fund (PPF) Account through OnlineSBI
Apply New ATM Card , Make your Card usage More Secure , Block Your ATM / Debit Card Online
Change Mobile Number Online Without Visiting Branch
E- Tax for online tax payment
E - Pay for automatic bill payments
Avail DEMAT and IPO services
Pay bill of Visa Credit Card issued by any Bank.
Other Value added Services like Thomas Cook Travel Planner ,CIBIL etc
Pocket Passbook-mPassbook
ANDROID & iPHONE PROJECT’s

Most of the internet banking applications got

there own App versions to access the same
from mobile devices.

YONO Lite - Advantages :

Any Time Banking & Account Summary

Transfer, e-Fixed Deposit & RD
Bill payments ; Customised MIS reports,
Various mode of payments (NEFT, RTGS,IMPS)
Re-imagining Internet Banking - YONO Lite
State Bank Secure OTP is an OTP generation App for verifying transactions done through State
Bank Internet Banking and State Bank Anywhere App. It is a service provider independent, hassle
free OTP service which replaces the need for receiving the OTP for INB transactions via SMS.

Features :
OTP can be generated in two modes:
1. Online OTP: Internet connection (via SIM or Wi-fi) is required for generating OTP.
2. Offline OTP: OTP is generated in the absence of Wi-fi, Mobile network or SIM card.

How to install and use :

One time registration with INB credentials is required for using the App.
Enter your Internet Banking(INB) credentials to register for the application.
Enter the OTP received in your INB registered mobile number and set your mPIN to complete registration for the App
https://bbps.onlinesbi.com/

BHARAT BILLPAY is the simple way to manage bills!

The first of its kind bill payment ecosystem in India is here to change the way bills are
being paid. Bringing a revolution in India's bill payment market, Bharat BillPay enables
every citizen to pay their different bills under the same window. This unified ecosystem
brings banks, non-banks and online payment platforms under one roof as its official
authorised units for bill collections
 CORPORATE
INTERNET BANKING
WHO'S CORPORATE CUSTOMER IN-TERMS OF SBI CINB?

Corporate Customer is an entity who is doing business

activities as Proprietorship, Partnership, Trusts, Institution,
Societies, Companies, Govt. organization, etc. needed to
perform banking activities without limitation of location and
time. Usually all business accounts are considered to be
current accounts hence, CINB accounts are the same.

SBI CINB - Variants :

Online SBI has 7 type CINB accounts capable to handle any

classes of business needs in terms of transaction, rights,
reports and volumes. They are Saral, Vyapaar, Vistaar,
Khata, Khata Plus, Supply Chain Finance, and GINB (Govt.
INB).
 CINB – Features
Online Payments of EMD and Tender cost to Govt. of Kerala e-Tender / e-Procurement
Income Tax, Wealth tax, Gift tax, Service Tax , Excise & Customs Duty Commercial Taxes
Licencse fees, Duty & Import fees, Vending fees etc. to Excise Department
GST , Central Sales Tax, Professional Taxes, WPS - Nodal Bank
AICTE , SB Collect Facility
Single debit - Multiple credit facility
Bulk transaction file upload facility for corporate to facilitate salary payments etc.
In-built authority structure with Supervisory / User management options for Regulator and
Administrator levels.
Options to create / restrict / deactivate users as per requirement.
Multi-level passwords for login, profile and transaction, for each user.
Different access rights to different users as per the organizational structure, viz. Enquiry, Maker and
Authoriser.
Maker-Checker concept with assignable financial rights and second level authorization to assure
authenticity of transactions.
Approver / Super enquirer / Auditor options
Customised, tailor-made Corporate Internet Banking facility for eligible Corporate.
CINB Registration Procedure
www.onlinesbi.com | Select from Corporate Banking | New User Registration
CINB Registration Procedure
Click on The Proceed Button
CINB Registration Procedure
Accept The Terms & Conditions
CINB Registration Procedure
Proceed to a New Form | Provide Details such as Account Number
CINB Registration Procedure
Proceed to a New Form | Provide Details | Select Corporate Admin Mode & Submit
CINB Registration Procedure
On Submission a Reference Number generated | Click on the Proceed Button
CINB Registration Procedure
Now Create the Administrator Details
CINB Registration Procedure
Administrator Details - Contd ...
CINB Registration Procedure
On Submission reference number and Form CINB C1 generated
FORM - CINB C1
Submit same to branch to activate | Administrator will be Activated with INB Kit
CINB – Understanding Various Forms

Form CINB C1 CINB C2 CINB C3

With which customer applies Unique to Vistaar facility. For Common for all multiuser
for CINB -Common for all Registering the Regulator CINB. This form is used for
CINB Variants Registering the Administrator.

CINB C4 CINB C5 CINB C6

This contains the Terms and
Conditions for both vyapaar and
Vistaar.
CINB C7
Format of Board resolution
for availing CINB
Format of Board resolution This is an optional role in
for availing CINB Vistaar. He takes a second
look at the transactions
and audits them post
facto
CINB C8 & C9
Deliver the PP Kit so mapped, to SARAL
the user and obtain In CINB Saral – All forms
acknowledgement on Form C8 . are Annexure which ranges
C9 is used for Approving from 1 to 5
Corporate Mobile Registration .
User Roles – In Khata Plus,Vyapaar & Vistaar

Administrator Regulator Authorizer

He exercises management
control. He creates the other
users and provides them
access rights to the corporate
accounts. He also defines their
financial powers to transact
on these accounts.
Uploader
This is an optional role in
Vyapaar and Vistaar. He uploads
files containing bulk transaction
is a pre-defined file structure
Unique to Vistaar facility. He
is the executive controller of
the Corporate. He defines the
overall profile of the
corporate in CINB. He cannot
view or transact on any
account in CINB.
Maker
He is the creator of the
transaction. Role applicable
to Vyapaar and Vistaar
He authorizes transactions
created by the maker. His
authorisation rights are
defined by the Administrator.
This role is again applicable to
Vyapaar and Vistaar .
Auditor
This is an optional role in
Vistaar. He takes a second
look at the transactions
and audits them post
facto

Enquirer Super Enquirer

He can only view and
download statements of
the accounts mapped to
him by the Administrator
He has rights to enquire any account of
the corporate maintained at any branch.
This role is also optional.He is the creator
of the transaction. Role applicable to
Vyapaar and Vistaar
SARAL User On Boarding
After login using PPK Credentials – Create all Passwords (Login,Profile,Transaction) & Setup the Profile
CINB SARAL – Small & Simple

Saral is limited to single user, simple and intuitive interface

ideally made for proprietorship business entities. It features
transaction rights, view and download account statements,
schedule transactions, standing instructions, define limits for
beneficiaries, merchant transactions etc..
Features :
Single user operated and easy to use
Facility to view account information and download account statement
Transaction rights on the accounts
Facility to schedule transactions for a later date
Facility to set beneficiary level limits
Facility to set separate limits for DD issue request and tax transactions
SMS based OTP for Beneficiary Additions, Fund Transfers, Merchant
Transactions etc
CINB SARAL – Other Features

Fund transfer to accounts in SBI (Intra bank payments) upto Rs. 5 lakhs per day
Funds transfer to accounts in banks other than SBI (Interbank payments) up to Rs. 5.0 lakhs per day
Request for DD issue up to Rs. 5.0 lakhs per day
Payment of Taxes- direct (CBDT), Indirect (CBEC, CUSTOMS etc) and State Government taxes
Payment of EPF subscription
Merchant transactions
Bill payments
Payment to registered suppliers (For instance, petrol/LPG dealers can pay to the oil majors)
Application to IPOs through ASBA
Participation in e-auction
CINB VYAPAR – Go Further ...

Corporate Business model that provides discrete transaction rights,

access to multiple users and from multiple locations may feasible SBI CINB
Vyapaar account. It is designed for small user group with filtered access
and delegated rights. Admin user can create / modify / control other users
from the organization in order to accomplish various levels of corporate
financial transactions setting access rights. Besides, Vyapaar account
allows up to Rs. 50,00,000/- (50 lakhs) in a single transaction and any
number of transactions can be made in a day. Apart from these, Vyapaar
facilitate MIS reporting and Bulk upload
Features :
Fund transfer to own or third party accounts in SBI & Other Banks
Request for draft issue | Payment to registered suppliers
Statutory payments | Facility to schedule transactions | Draft issue
Top up of Pre-paid cards
View and download of DEMAT holding statement
File mode transaction like Single Debit Multiple Credit enabled for
salary payments, vendor payments etc
CINB VISTAAR – Bigger ... Biggest
SBI CINB Vistaar Account committed all the power of internet banking aiming
to cater any type of financial transactions demanded by Govt. Organizations and
Large Corporate. It offers a complete internet banking suite that facilitate access
to multiple users from more than one branch with discretionary financial rights.
It has well defined hierarchical access control and transaction rights that falls
under roles of Regulator, Administrator and Users. Corporate can set its own
rules or operating instructions for financial transactions such as single or joint
authorization, limits for authorizing transactions by various users
Features :
Single transaction limit of Rs. 500 crores for third party, fund transfer and e-tax
transaction. No limit on number of transactions per day (Corporate sets its own
limits within the maximum allowed).
DD issue request up to Rs. 1 crore in a single transaction. Again no limit on
number of transactions per day
Fund transfer to own or third party accounts in SBI & Other Banks
File mode transactions enabled. Bulk upload facility for payments of salary, tax,
pre paid cards, bills, remittances to intra and interbank beneficiaries etc.
Payments to registered suppliers.
Receive payments over the internet e.g., sales receivables, bills due.
Statutory payments | Top up of Pre paid cards.
CINB VISTAAR – Other Features

Provision for optional roles such as Uploader, Auditor and Approver.

Direct debit facility for e-collection.
Integration with Corporate systems for end to end automation.
Customized MIS Reports generation.
Provision for online trading in currency futures.
Provision to apply to IPO through ASBA.
Facility to schedule transactions.
View and download of DEMAT holding statement.
Freedom to operate your business at any geographical location from wherever you desire.
Freedom to take urgent financial decisions from any situation.
Freedom from branch dependency.
Access to accounts across SBI branches with a single sign on.
System to system Integration to minimize manual intervention.
Elaborate user hierarchy with filtered access and delegated rights.
Regulator will set up business rules to facilitate financial transactions over Internet.
Administrator module for setting up control and security features.
Provision for "Auditor" role to facilitate audit of accounts and transactions post facto.
SBI CINB Khata

CINB Khata is no transaction, single user account limited to one branch; means view and download
account information and statements of transactions that done offline. SBI Khata won't have facility for
any type of CINB financial transactions.

SBI CINB KHATA PLUS

SBI CINB Khata Plus is no transaction, multi user account with multiple branches; means view and
download account information and statements of transactions that done offline. SBI Khata Plus won't
have facility for any type of CINB financial transactions.

Features :
Multiple users can be given enquiry rights to accounts maintained in various branches.
User's access to accounts can be restricted by the Administrator of the Corporate.
The authorized users can view and generate statements of the accounts mapped to them.
No financial transactions permitted.
Let’s review The CINB
FEATURES KHATA KHATA PLUS SARAL VYAPAAR VISTAR
Transaction Right No No Yes Yes Yes
Transaction Limit No No 2 Cr. For own a/c No limit for own a/c No limit for own a/c
2 Cr. For Tax 50 Lac for 3rd Party 2000 Cr for 3rd Party
10 Lac for 3rd Party 2 Cr. For Govt Tax 10000 Cr for Govt Tax
10 Lac for Merchant
2 Lacs for IMPS
Bulk Upload Txn No No No Yes Yes
Issued From CBS (CIF Based) Branch Interface CBS (CIF Based) Branch Interface Branch Interface
Access Channel-9 Access Channel-10
Number of CIFs One Multiple One Multiple Multiple
No : of A/c Holding One Multiple One One Multiple
Branches
Upgradable No Yes No Yes No
RTGS Transaction No No Min- Rs. 2 Lacs Min- Rs. 2 Lacs Min- Rs. 2 Lacs
Max-Rs. 10 Lacs Max-Rs. 50 Lacs Max-Rs. 2000 Cr.
NEFT Transaction No No Min- No Min. Min- No Min. Min- No Min.
Max-Rs. 10 Lacs Max-Rs. 50 Lacs Max-Rs. 2000 Cr.
Supplier payment No No 25 Lacs Per day 50 Lacs per Txn, 2000 Cr. Per Txn,
No limit in no. of Txn No limit in no. of Txn
Draft Issue No No 5 Lacs 50 Lacs per Txn, 1.00 Cr. Per Txn,
No limit in no. of Txn No limit in no. of Txn
Eligibility of Customer Single (Prop.) All Other Customer Single (Prop.) All Other Customer All Other Customer
User Type Single Multiple Single Multiple Multiple
Minimum Number of Users 1 2 Admin & Enquirer 1 3 - Admin, Maker & Checker 4 - Regulator, Admin,
Request Maker & Checker

Number of Forms 2 - (INB Request Form C1, C3, C4, C5, C6 2 - (INB Request Form C1, C3, C4, C5, C6 C1, C2, C3, C4, C5, C6
& PPK Acknowledgement) & PPK Acknowledgement)

Role holders will be User Administrator User Administrator Administrator &

created by the branch Regulator
SBI Anywhere Corporate
SBI Anywhere Corporate - Transaction
'State Bank Collect' facilitates Corporate Internet Banking (CINB) customers to receive online payments
from receivers of their goods & services. CINB customers need not maintain a website. Payer of the
Corporate has to just click on 'State Bank Collect' and choose the Corporate for which payment has to be
made, fill up particulars of goods/services towards which payment has to be made and make the payment
through one of the several options displayed to him on a Multiple Option Payment System (MOPS) page.
The corporate customer will get MIS Report of the account.

How to avail this facility :

The Corporate customers desirous of availing the 'State Bank Collect' facility should be registered for CINB
with Khata plus/ Vyapaar/ Vistaar facility. In post-login, the CINB administrator has to go to State Bank Collect
page and configure page for State Bank Collect for their Corporate/Institution which will be subsequently
approved by the Bank.
THANKS!
Any questions?
Presentation design
This presentation uses the following typographies:
› Titles: Hind
› Body copy: Hind

Presentation Design By : Anand V S

State Bank Of India ,
RBO II , Kollam

References :
https://www.onlinesbi.com/ | https://corp.onlinesbi.com/corporate
All Images are taken from: http://itunes.org/SBI- apple Inc
https://www.lopol.org/article/
Web Page Screenshots grabbed from YouTube Videos by State bank Of India official
https://transformingindia.mygov.in/wp-content/uploads/2016/11/Cashless-Transaction-English.pdf
and NPCI official