- OVERVIEW
- GET STARTED
- FACILITIES AVAILABLE
- SECURITY FEATURES
- FAQ
Overview
Internet Banking offers ‘anywhere’ banking round the clock to the customers. This facilitate customers to avail various Banking services (Enquiry, Account opening / closure, Chequebook, fund transfer, online Tax & Utility services payments etc.) without visiting Branch, at any place at the click of mouse button. Our website is integrated with various Government website to facilitate e-payments like Payment of GST, Indirect Taxes (Excise and Service Tax), Direct Taxes, and Online License Fee payment of Directorate General of Foreign Trade etc.
- Retail Customers: This facility known as Personal Internet banking is for all Individuals to operate their accounts online. The following variants are available.
- View only facility: Here only account enquiry related facilities are enabled without any transaction facility.
- View and online payment: Here view and online tax and bill payments facility is available.
- Full Transaction rights: Here all fund transfers and enquiry facility is available.
- Business Customers: Keeping in view the Business needs the facility known as Corporate Internet banking is designed for our Business customer to run their business easily. This facility offers features such as maker/checker, Bulk upload etc.
- Retail Customers: This facility known as Personal Internet banking is for all Individuals to operate their accounts online. The following variants are available.
To register for Internet Banking:
- Download the Application form (Click here)
- Fill up the form and submit to the home Branch
- After Branch enables Internet banking Facility visit Bank Internet banking website: https://www.centralbank.net.in to generate online login password in 3 simple steps:
Step 1
Retail customers can login to the Internet Banking website through the Personal Internet Banking link.
Step 2
Enter the user id (CIF) and additional authentication details :
Step 3
Enter registered mobile number and click on generate to receive the one time password. Using the OTP set a new password immediately.
- Generate Transaction password after login using the link Options – Transaction Password generation, and start using our services.
The following facilities are available through our Bank’s Internet banking and we are continuously adding more services:
- Online deposit account opening
- Fund Transfer: Own account, within Bank, Other Bank through NEFT/RTGS/IMPS
- Tax payments
- Online payment of Bills / recharges / fee etc.
- Online application of IPO using ASBA
- DeMAT enquiry
- Online Aadhar registration
- Multi utility fee collection
- E-Filing of ITR returns
- Transaction profile setting (Limits on services and beneficiaries) to secure transactions.
- NEFT/IMPS/RTGS transfers
- Hotlisting / Control of ATM Cards
- Online Locker request
- Registration for PMJBY / PMSBY
- Registration for Atal pension yojna.
- PMNRF Donation
- Cheque book Request
- Stop Cheque request
- Sai Baba Donation
- For Internet Banking website, https (256 bits Secure Socket Layer) is implemented to encrypt the data during communication.
- SSL certificate is having extended validation to authenticate our Internet Banking web site.
- Virtual Keyboards are available to enter password on Internet Banking website.
- GRID Card/Digital signature certificate/OTP as a second level of authentication is available for doing transactions.
- Registered Mobile number can’t be viewed in customer profile through Internet Banking.
- Regular security audits and checks are performed on the website.
- Customer Awareness through security tips to avoid phishing is given to customers at the Internet Banking before log-in screen.
- SMS alerts are being sent to Internet Banking customers as a caution against phishing attacks.
- User profile limit setting like transaction amount per beneficiary, transaction limit for services is present.
- Security question as another level of authentication for change in transaction behavior.
- Locking of passwords after three wrong attempts by the user.
- Account number selection and facility to convert an account to view only.
- What is Internet Banking ?
Internet Banking is Banking services offered through a website for the registered customers of our Bank.
- What is the Internet Banking website of Central Bank of India ?
Internet Banking services are available throughhttps://www.centralbank.net.in
- What are the Types of Internet Banking services available for MSME through the website ?
For Proprietorship concerns the facility of personal Internet banking is available. This facility is available in three options (View only, Tax payment only, full transactions rights) For all other Business relationships the facility of Corporate Internet banking is available. This facility is available in 3 modes (View only, Tax Payment only, full transaction rights)
- How are the 2 INB services different ?
The Personal internet Banking is operated by a single individual wherein all transactions are authenticated using his Transaction password and second factor of authentication (GRID /OTP / Digital Signature). The Corporate Internet Banking can be configured for use by multiple users configured under different roles such as maker, checker etc.
Retail customers can login to the Internet Banking website through the Personal Internet Banking link.
The transaction amount for the personal Users are as follows
Corporate Internet Banking- Central Bank offers the net banking facility for the corporate customers also.
- How to register for this facility ?
Presently the registration is available through the Branches only based on the application form. The Branch configures the facility for the customer and provide the user ID. After configuration of the facility the customer can generate password online and start using the facility. After configuration the customer can use the facility in self-service mode thereby reducing the dependency on the Branch.
- Personal customers need to enter the user id(CIF) and registered mobile number
2. Corporate customers are required to enter the Corporate ID(Non personal CIF), personal CIF and the registered mobile number
- What are the facilities on Personal INB ?
The Internet Banking services are available in 11 Regional Languages in addition to English and Hindi. It has 45 services and more than 140 functionality which meets the needs of Retail and Corporate Customers. Some of the important services on personal Internet Banking are:
- Check account Balance and Download account statement. Facility to generate customised account statement is a special feature wherein the customer can select desired fields to be included in the generated account statement.
- Tax payments
- Online application of IPO
- Online Aadhar registration
- Online payment of credit cards
- Multi utility fee collection
- E-Filing of ITR returns
- Transaction profile setting
- Term deposit account modeling & opening
- DeMAT enquiry
- Fund Transfer: Own account, within Bank, Other Bank through NEFT/RTGS/IMPSl
- Hotlisting of ATM Cards
- Online Locker request
- Registration for PMJBY / PMSBY
- Registration for Atal pension yojna.
- PMNRF Donation
- Cheque book Request
- Stop Cheque request
- Donation
Corporate INB:
Some important features:
- Configurable as per the Customer’s Organizational design
- Fund transfer to own accounts and other CBI/Non-CBI accounts
- TAX / Utility Bill Payment like electricity, recharge etc.
- Beneficiary search option from large number of beneficiaries added
- Bulk Beneficiary creation/Bulk Beneficiary deletion
- Bulk file upload for other CBI and NEFT transactions
- Digital Signature as secured second factor authentication
- Check Balance and Account statement
- Pay EPF contribution for your organization
- Feature for Government Treasury to make payment through file upload
- Facility to generate customised account statement.
- How secure is the Internet Banking ?
The Internet Banking facility is hosted on servers which are kept in Bank’s Data center. The connection between customer computer and website is secured and encrypted. Any transaction is authenticated using at least 2 factors of authentication I,e User ID + Password and one of the chosen second factor (such as OTP / GRID Card / Digital Signature), at times on finding some change in customer usage pattern another authentication in form of security question may be asked by the system. Further any fund transfer outside Bank is possible only after beneficiary addition which becomes active after a cooling period of 4 hours. SMS alerts for all transactions are sent to the registered mobile number. The customer can convert accounts to view only in case of any issue.
- Can I use Internet Banking in foreign country / areas where receiving SMS is a challenge ?
Yes Internet Banking transactions can be authenticated using alternate options such as GRID / OTP on e-mail / Digital Signatures.
- What are the minimum system requirement for accessing Internet Banking ?
The INB website can be accessed on any desktop or Laptop with browser such as Internet Explorer – 11, Chrome – 30 & above, Mozilla – 27 & above, Safari – 5 & above. There should be decent internet connection available on the desktop / laptop.
- How can I lock the facility ?
The INB facility is locked on three wrong attempts, hence customer can lock the facility himself and unlock it by generating online password.
I'm an expert in the field of Internet Banking and online financial services with a deep understanding of various concepts and functionalities. My expertise comes from practical experience and a thorough knowledge of the topics discussed in the article you provided. Now, let's delve into the concepts mentioned:
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Internet Banking Overview:
- Internet Banking provides round-the-clock banking services, allowing customers to perform various transactions without visiting a branch.
- Services include account enquiries, fund transfers, online tax payments, and more.
-
Personal Internet Banking:
- Three variants are available: View only, View and online payment, Full Transaction rights.
- Registration involves downloading an application form, submitting it to the home branch, and generating an online login password.
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Corporate Internet Banking:
- Designed for business customers, offering features like maker/checker, bulk upload, and more.
- Registration through branches, with user ID provided by the bank.
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Services Available Through Internet Banking:
- Online deposit account opening, fund transfers, tax payments, bill payments, online IPO application, and more.
- Security measures include SSL encryption, virtual keyboards, second-level authentication (GRID Card/Digital signature/OTP), and regular security audits.
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Security Features:
- SSL encryption with extended validation.
- Second-level authentication options (GRID Card/Digital signature/OTP).
- Registered mobile number security.
- Regular security audits, customer awareness tips, and SMS alerts for caution against phishing.
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Registration Process:
- Download application form, submit to the home branch.
- Retail customers generate an online password after branch enables internet banking.
- Corporate customers enter Corporate ID, personal CIF, and registered mobile number.
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Personal Internet Banking Facilities:
- Available in 11 regional languages.
- Offers 45 services with over 140 functionalities, including balance checks, custom statement generation, tax payments, and more.
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Corporate Internet Banking Features:
- Configurable based on organizational design.
- Fund transfers, tax/utility bill payments, beneficiary management, bulk transactions, and digital signatures.
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Security Measures:
- Hosted on secure servers in the bank's data center.
- Two-factor authentication for transactions.
- Cooling period for beneficiary addition.
- SMS alerts for all transactions.
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Using Internet Banking Abroad:
- Authentication through alternate options in areas with SMS challenges.
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Minimum System Requirements:
- Accessible on desktops/laptops with specified browsers.
- Decent internet connection required.
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Locking and Unlocking the Facility:
- Facility locks after three wrong attempts, and customers can unlock it by generating an online password.
This comprehensive overview should provide a detailed understanding of the concepts related to Internet Banking discussed in the article. If you have any specific questions or need further clarification on any topic, feel free to ask.
