Frequently Asked Questions on One Page Internet Banking

1. What is Saraswat Bank One Page Internet Banking?

Saraswat Bank One Page Internet Banking is the easiest way of online
banking anytime, anywhere, at your convenience; from your personal
computer / laptop / mobile.

2. I do not have any Personal Computer / Laptop?

You can access Saraswat Bank One Page Internet banking facility from
any computer/laptop with secured internet connectivity and anti-spam
software.

3. Who is eligible for Saraswat Bank One Page Internet

Banking?
Saraswat Bank One Page Internet Banking facility is available to all the
customers/mandate holders having a debit card and with the authority to
operate the accounts with full permission.

4. What are the features/benefits of Saraswat Bank One Page

Internet Banking?
Features of Saraswat Bank One Page Internet banking:
a. Bank 24X7 - anywhere, anytime

b. Safe and secured Online Banking

c. User Registration:
i. User on-boarding with your debit card credentials
ii. Reset password instantly with your debit card credentials

d. Linked Accounts:
i. You can view your Savings/Current/Overdraft bank account
details, account balance, and also download statements.

e. Loans:
i. You can view your Loan Account details at a glance
(Principal, Outstanding Balance etc.), download statements.

f. Deposits:
i. You can view your Term Deposit Accounts details at a
glance (Principal, Maturity amount etc.), download
statements.
 g. Fund Transfer:
i. Own accounts – Transfer funds to your own linked accounts.
ii. Intra Bank – Transfer funds to any other accounts of
Saraswat Bank
iii. Inter Bank Funds Transfer (RTGS/NEFT/IMPS) – Transfer
funds to Other bank accounts.

h. Fixed Deposit:
i. Open Instant Term Deposit and Recurring Deposit receipts.

i. E-Services:
i. Update your Email ID
ii. Register for Mobile Banking Registration.
iii. View tax credit details (Form 26AS).
iv. For a detailed list of services please visit the Internet
banking site

j. Cheques:
i. Give stop payment instructions on issued cheques.
ii. Request for Cheque Book, Cardless cash withdrawals.

5. Why should I register for One Page Internet banking?

Saraswat Bank One Page Internet banking is the easiest way of
managing the operations and transactions in your accounts 24X7
without a visit to your branch.

6. Are there any charge / cost for registration of One Page

Internet Banking?
No. Internet Banking registration is absolutely free of cost. There is no
prescribed fee or AMC charge.

7. How safe & secured is the One Page Internet banking?

Saraswat Bank One Page Internet banking is absolutely safe & secured
with VAPT (Vulnerability Assessment and Penetration Testing)
certificate from the authorities along with the certificate by RBI’s ethical
hackers. The servers are protected with strong firewalls against
malwares.
We provide multiple layers of protection to secure your online banking
experience. A high secured Login Id and Password is one layer of
security to access your account. Second factor authentication is in the
form of One Time Password (OTP) for all financial transactions.

If an unknown user tries to access your account by using various

passwords, your account will automatically get locked. Every time you
log into Internet Banking, your last login date and time will be displayed
so that you can keep a track of access to your accounts.

8. How to register for One Page Internet Banking?

To register for internet banking, all you need is the login ID and login
password. The login ID is your customer number.

Existing users can use the customer number and existing login
password.

New users can register based on the debit card credentials by using
‘New User Registration’ option. Enter the customer number, 16-digit
debit card number, expiry date and CVV. Accept the terms & conditions
and click on Submit. An OTP will be received on your registered mobile
number following which you can set your login password. Your
registration is now complete. Enjoy all the services of Saraswat One
Page Internet Banking.

In case of users with no debit card, kindly visit the nearest branch and
apply for a new Insta Debit card, post which one can on-board for
Internet banking instantly.

9. How to get the login ID?

Your login ID is your unique customer number, printed on your
passbook.

Else, kindly give a missed call on 9029050017 to get the customer

number.

If you are unable to locate the same, contact your nearest branch or
enquire on Help Desk.

10. What to do if I forget my Login password?

Now, no need to remember the answers of the registration questions.
In case you forget your login password, click on ‘Reset Password’ link on
the login page and generate your password using the 16-digit debit card
number, expiry date and CVV.

11. Can I change the Login ID and password later?

The login ID cannot be changed ever as it is the unique customer
number assigned to you.

The login password can be changed any time. It is advisable to change

your login password periodically for your safety.

12. How many passwords do I have for One Page Internet

banking?
There are only two passwords precisely Login Password &One Time
Password (OTP).

No transaction password any more.

13. What is the policy on creating passwords?

Login password complexity should be in the form of at least 8
alphanumeric characters consisting of 1 upper case alphabet, 1 lower
case alphabet, 1 number and a special character.

Your new password cannot be the same as your last one login
password.

Your login password would be expired in 90 days after which you have
to change your password.

14. What is an OTP?

OTP is the One Time Password which is sent to your registered mobile
number while performing any transaction. The transaction will not be
complete unless you enter the OTP in the valid option.

15. I am not receiving OTP on my mobile?

If you are unable to receive the OTP on your registered mobile number,
check whether your mobile handset is within the network area. If you still
encounter the problem, contact your Mobile service operator or your
nearest branch or enquire on Help Desk.

16. What are the general precautions to be taken to protect

my account on the internet?
 To protect your account from any fraud please take care of the
following points:

a. Do not disclose your passwords to anyone. Do not write it

down. Avoid using the same passwords for all your online
transactions.
b. Change your password quite often to protect your account
even if inadvertently you may have disclosed it to someone.
c. Avoid opening or replying to spam emails, as this will give
the sender a confirmation that they have reached a live
address.
d. Never respond to emails that request personal information.
e. Create a complex password which will be difficult to crack.
f. Avoid using cyber cafes to access your internet banking
accounts.
g. At cyber cafes PCs may be infested with viruses and Trojans
that can capture and transmit your personal data to
fraudsters.
h. Beware of typing passwords on unknown PCs.
i. Installing anti-virus software and keeping it up to date will
help detect and disable malicious attacks.
j. Before submitting your bank details or other sensitive
information there are a couple of checks you can do to help
ensure the site uses encryption to protect your personal
data:
k. If the address bar is visible, the URL should start with 'https:
//' ('s' for secured) rather than the usual 'http: //'.
l. At Saraswat Bank, we would never ask for your personal
details through an email or through phone, fax or in-person.
If any of our bank personnel asks you for your password, do
not disclose it and report him or her immediately to us.

17. What is Registered Mobile number?

Your mobile number registered with Saraswat bank is known as
Registered Mobile number. All information and updates, all OTP,
transaction confirmation messages will be received on the same mobile
number.
 18. Is it mandatory to register my Mobile number & Email Id
with Saraswat Bank?
You must register with Saraswat bank; your mobile number for SMS
facility & Email Id for notification purpose.

19. I am a Joint holder in the account; can I use the separate

Username & Password?
Being a joint holder you would be assigned a unique customer number
which would be different than your 1st account holder. With this unique
customer number and your login password you can access One Page
Internet Banking.

20. I am still unable to login with the Username and Login

password?
It might be due to:

Verify your login ID and password. Please note the passwords are case
sensitive. You can also use the Virtual Keyboard to avoid errors in
typing.

After three incorrect login attempts, your Login ID gets locked. In such a
case, you need to reset your password using debit card credentials.

If you still encounter the problems, contact your nearest branch or

enquire on Help Desk.

21. What is Session time Out? I am getting error of ‘Session

Time Out’?
Once you are logged into Saraswat One Page Internet banking, your
session will be automatically expired after 180 seconds of idle time. It is
one of the security features.

22. How to open a new Fixed Deposit receipt?

Following are the steps for opening your Fixed Deposit online:

i. Login to Saraswat Bank One Page Internet banking with your

Customer number and Login password.
ii. Go to the Fixed Deposit widget at the top. You will be able to
see the existing latest rate of interest for all the products and
tenures.
iii. Click on "Open" option.
 iv. Select one of your debit accounts through which the funds
are to be utilized for opening a receipt.
v. In case if you already have a Term Deposit account in the
branch same as your debit account, you can create the new
receipt under the same term deposit account.
vi. In case if you don’t have any Term Deposit account, no need
to visit the branch. You can still create the new receipt by
selecting the product and tenure.
vii. You can validate and check the maturity amount for the
principal, rate of interest and tenure selected by you.
viii. Post the validation, click on "Submit"

On clicking Submit, your request for the new Term Deposit

account/receipt will be placed. A confirmation message will be sent to
you on your registered mobile number.

Please note: In cases where there are any exceptions in your account
viz. (Customer not authorized, KYC not complied etc.) your request for
new Term Deposit account/receipt will not be processed. In such case,
you will have to contact the nearest branch for further process.

23. Can I close my existing Fixed Deposit Receipt?

You will not be able to close the Fixed deposit accounts/receipts online
though you have created the same online. For any premature closure or
closure on maturity of any of your fixed deposit receipts, you will have to
contact the nearest branch for the further process.

24. What is the Fund Transfer?

Fund transfer is the facility that allows you to transfer funds from your
accounts to any of your linked accounts or any other Saraswat Bank
account or any other Bank account through RTGS/NEFT/IMPS.

The funds transferred to your linked accounts or any other Saraswat

Bank accounts are credited instantly.

Funds transferred through IMPS are credited instantly.

Funds transferred to any other bank account through RTGS and/or

NEFT before cut-off time will be credited on the same day and post cut-
off time would be credited on the next working day.
 25. What is the cut off time for RTGS/NEFT/IMPS?

a. RTGS - From Monday to Saturday (except 2nd& 4th Saturday)

timings are:
8:00 am to 4:30 pm
b. NEFT - From Monday to Saturday (except 2nd& 4th Saturday)
timings are:
8:00 am to 6:30 pm

c. IMPS - 24*7 (anytime)

26. What is the daily transaction limit?

The daily transaction limits for the existing users are the same as the
user may have defined previously.

For a new User registration, the daily transaction limit per day would be
by default as:

I. For Other accounts of Saraswat Bank - Rs.20 lakhs

II. For RTGS - Rs.20 lakhs
III. For NEFT – Rs.20 lakhs
IV. For IMPS- Rs.5 lakhs

Existing or New users can enhance or reduce the daily limits through
‘Manage limits’ option provided under ‘E-services’.

27. Are there any charges for fund transfers?

Presently, there are no charges for using the funds transfer facility.

28. Can I make RTGS/NEFT transactions on holidays?

Requests for RTGS/NEFT transactions are accepted on Holidays &

Sundays (Holidays and Sundays as defined by RBI) but the actual debit
from your account and corresponding credit is processed only on the
next working day.
 29. What details do I need to provide in order to utilize fund
transfer facility to Other Bank Accounts (RTGS/NEFT/IMPS)?

To carry out any fund transfer (RTGS/NEFT/IMPS) you need to first

register the payee either through Saraswat Bank mobile application or
Saraswat Bank One Page Internet banking. For registering the payee,
the following information is required:

a. Beneficiary name and nick name

b. Beneficiary account number
c. IFSC code of the receiving bank &branch

To register the payees through internet banking please follow the steps:

i. Login to One Page Internet banking

ii. Under Funds Transfer option, go to Add Payee
iii. Enter the Beneficiary Name, Nick Name, Beneficiary Account
Number and IFSC code.
iv. Enter the OTP received on your registered mobile number.
v. Once completed, your payee is registered.

Please note:

For the safety of your account, the fund transfer facility through Internet
Banking will be available only after the cooling period of 2 hours for the
new payees added either through Saraswat bank mobile application or
Saraswat Bank One Page Internet banking.

Also, funds transfer to a specific beneficiary is allowed only twice per

day. i.e. Only two transactions can be executed for one beneficiary in a
day.

30. How do I update my Email ID?

Under E-services, there is an option of ‘Update Email ID’. You will be
prompted with your existing email ID registered with the Bank. The new
email ID can be entered and click on ‘Submit’. Your new email ID will be
registered with the Bank.

31. What is Manage limits?

In manage limits option, at the discretion of the user, one can enhance
or reduce the daily transaction limit per day as follows:

 For Other accounts of Saraswat Bank – upto Rs.20 lakhs

 For RTGS – upto Rs.20 lakhs
 For NEFT - upto Rs.20 lakhs
 For IMPS- upto Rs.5 lakhs

32. What is Link Aadhar number?

If your aadhar number is registered with the Bank, you can link your
account to the Aadhar number to receive the Govt. /gas subsidy directly
in your account.

In case where Aadhar number is not registered with the Bank, contact
the nearest branch for the further process.

33. What is activity log report?

Activity log report displays all the activities executed by you from login till
logout.

34. What is Cardless cash withdrawal?

Cardless cash withdrawal is the innovative withdrawal service. In case if
you forget your debit card and you are out of cash, you can instantly
place a request through internet banking cardless cash withdrawal
option. Once the request is placed, you can withdraw cash from any of
Saraswat Bank ATM.

Please note: This request can be used only once a day i.e. Only one
request per day can be placed.

35. What is Mobile Banking Registration?

In case if you are not using the Saraswat Bank mobile application, you
can start using it instantly. Download the app from Play store. Login to
One Page Internet Banking.

In mobile banking registration option, you have to enter the mobile

number and set your login and transaction pin (4-digit numerical pin for
both). Once completed, you are registered for mobile banking. Start
using and enjoy the Saraswat Bank mobile application with many new
features to explore.

36. What is view 26AS statement?

Form 26AS consists of the following information:
I. Details of tax deducted on behalf of tax payer by deductors
II. Details of tax deducted on behalf of tax payer by collectors
III. Advance tax/self-assessment tax/regular assessment tax
deposited etc. by tax payers (PAN holders)
You will be redirected to the TRACES website.

37. What is stop payment of cheque?

Stop payment of a particular cheque can be done before the
encashment of the cheque. Enter the cheque number you wish to stop
and click on ‘Submit’. The request will be processed instantly and the
charges of Rs.25/- plus service tax will be debited from your account.

Please note: Request once submitted cannot be withdrawn

38. What is Inward Clearing Cheque?

You can view the details of the issued cheque presented in the clearing
for the day.

39. What is request new cheque book?

A request can be placed for a new cheque book. Steps to follow:
1. Go to the widget of Cheques
2. Select the account for which a cheque book is required.
3. Select the address type and delivery type
4. Enter the number of cheque books required
5. Click on Submit

On clicking submit, a request for new cheque book will be placed and
the physical cheque book will be delivered to your selected address in 7-
10 working days.

40. What is cheque status request?

Cheque status request displays the status of any of your cheque
whether issued/paid/stopped.