In this digital era, it is very rare to find a person who does not use a mobile phone. With this ever-changing world, mobile banking has also become increasingly popular. Banks strive to provide their customers with convenient and efficient banking services. Most of the banks have consider mobile banking as an essential service. With the newly introduced digital banking services, customers can now easily access their bank accounts, check balances, transfer funds, pay bills, and perform various financial transactions using their mobile devices anytime, anywhere. Mobile banking apps enable customers to navigate through their accounts effortlessly. When it comes to the question of security, banks have implemented strict security measures to safeguard customer information and transactions which provides the customers a secure banking experience. With mobile banking, customers no longer need to visit physical bank branches, as they can conveniently manage their finances with just a few taps on their mobile devices. This has brought a significant change in banking experience.
Indian Bank has also made it easier for its customers to access the services they provide by introducing Indian Bank Mobile Banking. Before jumping into the services, it is important to know how to have access to Indian Bank Mobile Banking.
Table of Contents
How to have access to Indian Bank Mobile Banking
To have access to Indian Bank mobile banking, follow these steps:
- Visit your nearest Indian Bank branch and request the mobile banking application form.
- Fill out the application form with accurate details, including your account number, registered mobile number, and other required information.
- Submit the completed application form to the bank branch along with any necessary documents as specified by the bank.
- Once your application is processed and approved, you will receive a welcome kit containing your mobile banking credentials, including a user ID and MPIN (Mobile Personal Identification Number).
- Download the Indian Bank mobile banking application from your respective app store (Google Play Store for Android or Apple App Store for iOS).
- Open the mobile banking app and select the “New User” or “Register” option.
- Enter your user ID and MPIN as provided in the welcome kit.
- Follow the on-screen instructions to complete the registration process, including setting up a new password and confirming your personal details.
- Once registered, you can log in to the Indian Bank mobile banking app using your credentials and access various banking services and features offered by the app.
Benefits of Indian Bank Mobile Banking
With Indian Bank mobile banking, you can enjoy various banking services and features right from your mobile device. Here are some of the key things you can do with Indian Bank mobile banking:
Indian Bank Balance Check
For Indian Bank balance check, you can follow these steps:
- Open the mobile banking app and login using your log in details. (user ID and password) or register for mobile banking if you haven’t done so already.
- Once logged in, navigate to the account balance section or a similar option provided in the app’s main menu.
- Select the account for which you want to check the balance, if you have multiple accounts linked to your mobile banking.
- The app will show you the available account balance along with any pending transactions or holds.
You can also use this mobile banking app to transfer funds between your own accounts within Indian Bank or to other bank accounts. You can easily make payments, send money to friends or family, and manage your financial transactions.
Indian Bank mobile banking provides the convenience of paying your utility bills, credit card bills, and other bills directly through the app. You can set up billers, schedule payments, and avoid late fees.
This is one the most common uses of mobile banking apps. It allows you to top up your prepaid services conveniently and instantly.
Statement Requests: The mobile banking app allows you to request account statements, including mini statements, e-statements, and detailed statements. You can access and download your statements on the go.
Fixed Deposits and Loans:
With Indian Bank Mobile Banking, you can easily manage your fixed deposits and loans. Here’s what you can do:
- Access Account Information: View details of your fixed deposit and loan accounts.
- Fixed Deposit Management: Check deposit details, track status, and calculate maturity value.
- Loan Account Management: Monitor outstanding balance, repayment schedule, and next EMI due date.
- EMI Payments: Make loan EMI payments conveniently.
- Loan Statements and Documents: Request and download loan-related statements and documents.
- Fixed Deposit Renewal or Closure: Renew or close your fixed deposit through the app.
- Loan Repayment Calculators: Estimate EMIs based on loan parameters.
- Notifications and Reminders: Receive alerts for upcoming loan EMI and deposit maturity dates.
Card Management: You can manage your Indian Bank debit and credit cards through mobile banking. This includes card activation, setting card limits, blocking and unblocking cards, and viewing card transactions.
Alerts and Notifications: Stay informed about your account activities through real-time alerts and notifications. You can receive notifications for deposits, withdrawals, bill due dates, and other important updates.
Indian Bank mobile banking provides a secure messaging feature that allows you to communicate with the bank regarding your account queries, requests, and feedback.
Branch and ATM Locator:
The app includes a branch and ATM locator, helping you find the nearest Indian Bank branches and ATMs. This is useful when you need to visit a physical location for any banking needs.
Indian Bank mobile banking provides access to customer support services. You can easily contact customer care, raise queries, or seek assistance from within the app.
Personalisation and Customisation: The app allows you to personalise your mobile banking experience. You can set preferences, customise alerts, and manage your profile settings according to your preferences.
Advantages of Indian Bank Mobile Banking
Indian Bank Mobile Banking offers several advantages over physically going to the bank. With mobile banking, customers enjoy convenience, as they can access their accounts and perform transactions anytime and anywhere using their smartphones. It saves time, eliminating the need to visit the bank branch and wait in long queues. Mobile banking provides accessibility, allowing customers to manage their accounts and conduct various banking activities at their fingertips. It is cost-effective, as there are no travel expenses involved. Mobile banking also offers enhanced security measures to protect user information and transactions. Real-time updates keep customers informed about their account balances, transactions, and other important notifications. It enables efficient fund transfers, bill payments, and account management. Additionally, mobile banking provides a paperless experience, reducing the need for physical documents and promoting environmental sustainability. Overall, Indian Bank Mobile Banking offers a seamless and convenient banking experience with numerous benefits over the traditional method of physically going to the bank.