Indian Bank lets you manage your money anytime through its Net Banking service. Whether you want to check balances, transfer funds, pay bills, or open deposits, here’s how to use it securely and easily in 2025.
1. Key Features
With Indian Bank Net Banking, you can:
- Transfer funds via IMPS, NEFT, RTGS, and UPI
- View account summary, statements, and cheque status
- Open FDs/RDs, set up standing instructions
- Pay utility bills, taxes, LIC premiums, and more
- Book rail/air tickets, invest in mutual funds, trade shares
- Request chequebooks, stop cheques, register beneficiaries
- Manage cards, update KYC, lodge grievances, etc.
2. Registration Process
You can activate Net Banking online via debit card or through the branch/ATM:
Steps to register online:
- Visit Indian Bank’s Net Banking portal → click “New User / Register Online”
- Enter your CIF/account number and registered mobile
- Verify the OTP sent on your phone
- Fill in required details (DOB, email, facility type)
- Create login password and select two security questions
- Activate via ATM card or branch—then you’re set within 24 hours
3. Login & Password Reset
First-time Login:
- Visit Net Banking portal
- Log in with User ID and password
- For personal banking, you’ll log in and create new credentials on first access
Forgot Password:
- Click “Forgot Password”
- Choose reset via ATM card or security questions
- Enter required details and OTP, then set a new login password
4. How to Use It
a. Fund Transfer:
- Go to “Fund Transfer”
- Select NEFT / IMPS / RTGS, add beneficiary, enter amount, and confirm via OTP
b. Cheque & Card Services:
- Under “Cheque Services”, request chequebooks or stop cheques
- Under “Card Services”, block/unblock cards and set limits
c. Bill Payments:
- Navigate to BillPay, register billers, and pay online for utilities, taxes, LIC, etc.
d. Deposits & E-Statements:
- Open or manage FDs/RDs online
- View/download e-statements for up to 6 months or older from archives
5. Integration with Mobile Banking
Complement your web account with the mobile app:
- Download Indian Bank mobile app (e.g. IndSMART)
- Log in using credentials or MPIN
- Access the same features—fund transfers, bills, statements, account services
- mPassbook app updates your transaction history and statement instantly
You can also view account balance and transfer funds through UPI-enabled apps once you’ve added your Indian Bank account .
6. Security & Best Practices
- Use encrypted portal and secure URL:
netbanking.indianbank.in - Change passwords regularly and never share them
- Always verify the https lock icon before login indianbank.net.in
- Regularly update contact details—mobile and email—to receive OTPs and alerts
Summary Table
| Step | Description |
|---|---|
| Register | Use CIF/card online, set login & transaction PIN |
| Login | User ID + password + OTP |
| Fund Transfer | Add beneficiaries, transfer via NEFT/RTGS/IMPS |
| Bill Payments & Services | Chequebook, stop cheque, cards, bill payments |
| Account Management | View balances, statements, e-statements |
| Mobile Integration | Use IndSMART or mPassbook for mobile convenience |
| Security Measures | OTP, secure portal, password hygiene |
💡 FAQs
Q. Can I use one net banking ID for multiple accounts?
A: Yes—if accounts are linked to the same CIF, you can access all under one login.
Q: Are there any charges?
A: No—access is free. Certain services like NEFT may incur nominal transaction fees.
Q: What if I forget both my login and transaction passwords?
A: Use “Forgot Password”—reset online via ATM card or security questions. Or visit your nearest branch.
