IndusInd Bank Mobile Banking

Last Updated : April 28, 2025, 5:18 p.m.

IndusInd Bank Mobile Banking offers a convenient, secure, and feature-rich platform for customers to manage their finances anytime, anywhere. Primarily delivered through the INDIE Mobile Banking App, with supplementary services like WhatsApp Banking, SMS Banking, Missed Call Banking, and USSD Banking, it caters to retail and corporate customers, including NRIs. Below is a comprehensive overview of IndusInd Bank Mobile Banking, covering its features, access methods, transaction limits, and more, based on available information.

IndusInd Bank Mobile Banking Services

Below are the services provided by IndusInd bank mobile banking and how they can be used.

IndusMobile App

The IndusMobile App is IndusInd Bank's official mobile banking application, offering a wide range of features:

• Account Management: Check account balances, view transaction history, and download mini statements.
  
• Fund Transfers: Initiate NEFT, IMPS, and UPI transactions; set transaction limits for added security.
  
• Bill Payments & Recharges: Pay utility bills, recharge mobile/DTH services, and manage billers.
  
• Deposits & Loans: Open fixed or recurring deposits, apply for loans, and manage existing loan accounts.
  
• Card Services: Manage debit and credit cards, including setting limits and enabling/disabling international usage.
  
• Cash-on-Mobile: Withdraw cash from IndusInd Bank ATMs without a debit card.

SMS Banking

IndusInd Bank's SMS Banking service allows you to access account information and perform certain transactions via SMS:​

• Balance Enquiry: Send a predefined keyword to a designated number to receive your account balance.
  
• Mini Statement: Request recent transaction details.
  
• Mobile/DTH Recharge: Recharge your mobile or DTH services.

​​Missed Call Banking

Quickly check your account balance by giving a missed call from your registered mobile number:​

• Balance Enquiry: Dial the designated number; the call will disconnect automatically, and you'll receive an SMS with your account balance.

USSD Banking

For customers without internet access, IndusInd Bank offers USSD-based banking:​

• Access Account Information: Dial a specific USSD code to check balances, transfer funds, and more.
  
• No Internet Required: Ideal for basic phones and areas with limited connectivity.

Types of IndusInd Bank Mobile Banking

The different types of IndusInd Bank mobile banking and if they need internet or not is displayed below -

IndusInd Bank Mobile Banking Registration

This is the most convenient method and can be completed entirely online:​

1. Download the IndusMobile App:

1. Launch the App:
   
   • Open the app and enter your registered mobile number.
     
   • Verify your number using the OTP sent to your mobile.​
     
2. Authenticate Your Account:
   
   • Provide your PAN details as registered with the bank.
     
   • Choose an authentication method:
     
     • Net Banking credentials
       
     • Debit/Credit Card details
       
     • Vehicle Loan credentials
       
     • Aadhaar-based authentication
       
3. Set Up Security Features:
   
   • Create a secure MPIN for app login.
     
   • Optionally, enable biometric authentication (fingerprint/face ID) for added security.​

Once registered, you can access a wide range of banking services through the app.

2. Register via IndusInd Bank ATM

If you prefer an offline method:

Visit an IndusInd Bank ATM:

• Insert your debit card and enter your ATM PIN.​

1. Select Mobile Banking Registration:
   
   • Choose the 'Mobile Banking Registration' option from the menu.​
     
2. Enter Your Mobile Number:
   
   • Input your registered mobile number.​
     
3. Confirmation:
   
   • Upon successful registration, you'll receive an SMS confirmation.

3. Register via Customer Care

For assistance over the phone:​

1. Call IndusInd Bank Customer Care:
   
   • Dial 1860 267 7777 from your registered mobile number.​
     
2. Request Mobile Banking Activation:
   
   • Speak to a customer care representative and request activation of mobile banking services.​
3. Verification:
   
   • Provide necessary details for verification.​
     
4. Confirmation:
   
   • After successful verification, you'll receive an SMS confirmation.

4. Register by Visiting a Branch

For in-person assistance:​

1. Visit Your Nearest IndusInd Bank Branch:
   
   • Locate your nearest branch and visit during working hours.​
     
2. Fill Out the Application Form:
   
   • Request and complete the Mobile Banking Registration Form.​
     
3. Submit the Form:
   
   • Provide necessary identification and submit the form to the bank representative.​
     
4. Confirmation:
   
   • Upon processing, you'll receive an SMS confirmation.

Process to Login IndusInd Bank Mobile Banking App

To login to IndusInd Bank mobile banking application, follow these steps-

• Launch the IndusInd Bank Mobile Banking App - INDIE on your smartphone.
• Ensure the SIM with your registered mobile number is inserted for device binding.
• For existing users, tap Login or Already Registered.
• If not registered, complete registration first (see below).

Choose Authentication Method :

• Option 1: MPIN:
  • Enter your 4-digit MPIN set during registration.
  • Tap Login.
• Option 2: Swipe Pattern (if enabled):
  • Draw the swipe pattern set during registration.
  • Confirm to log in.
• Option 3: Biometric Authentication (if enabled):
  • Use fingerprint or Touch ID on the device’s biometric sensor (must be set up in app settings post-registration).
  • Authenticate to log in.
• Option 4: Net Banking Credentials (alternate method):
  • Enter your Net Banking User ID (Customer ID from statements, chequebook, or welcome letter).
  • Input your Net Banking Password.
  • Tap Sign In.
  • You may receive a notification to authorize login via MPIN, Swipe Pattern, or biometric authentication.

• The app verifies the device and SIM linked to your registered mobile number.
• For first-time login on a new device or security checks, an OTP is sent to your registered number. Enter the OTP to proceed.
• If using Net Banking credentials, you may need to authenticate with debit/credit card details or answer security questions.

IndusInd Bank Whatsapp Mobile Banking

IndusInd Bank WhatsApp Banking is a free, secure, and convenient service that allows existing customers to access key banking services, vehicle loan details, and credit card management through WhatsApp. Available 24/7, it provides instant responses to queries via text, complementing the INDIE Mobile Banking App for quick, chat-based banking. Below is a detailed overview, including registration, login, features, and limitations, based on available information.

Key Features

• Account Services:
  • Check your account balance by typing “Account Balance.”
  • View the mini-statement (last few transactions) by typing “Mini Statement.”
  • Request chequebook or other basic services.
• Credit Card Services:
  • Apply for an instant credit card, check outstanding balances, reward points, and pay bills.
  • Receive usage notifications and manage card settings.
• Vehicle Loan Services:
  • Check loan balance, EMI details, and repayment status.

Benefits of IndusInd Bank Mobile Banking

Some of the benefits of IndusInd bank mobile banking are -

1. Convenience and 24/7 Access

• Anytime, Anywhere Banking : Access over 120+ services (INDIE app) or key services (WhatsApp) 24/7, even on holidays, without visiting a branch.
• Multiple Platforms : Use the INDIE app for comprehensive banking, WhatsApp for quick queries, or SMS/USSD for basic tasks, catering to varied user preferences and device capabilities.
• User-Friendly Interface : The INDIE app features a sleek, intuitive design with quick access to services like UPI, bill payments, and account management. WhatsApp Banking offers a simple chat-based interface.

2. Comprehensive Banking Services

• Account Management :
  • Check account balances, view mini-statements, and track transaction history in real time.
  • Monitor savings, current, loan or credit card accounts via a single dashboard (INDIE app).
• Fund Transfers :
  • Supports UPI, IMPS, NEFT, and RTGS for instant or scheduled transfers (INDIE app only, not WhatsApp).
  • Features like Scan and Pay (UPI QR code scanning) simplify payments.
• Bill Payments & Recharges :
  • Pay utility bills (electricity, gas, water), mobile/DTH recharges, and FASTag top-ups instantly.
  • Schedule payments to avoid missed dues.
• Investments :
  • Open and manage Fixed Deposits (FDs) and Recurring Deposits (RDs).
  • Invest in mutual funds and track portfolios (INDIE app).
• Loan & Credit Card Services :
  • Apply for loans (personal, vehicle) and manage EMIs.
  • Check credit card balance, pay bills, redeem reward points, and apply for instant credit cards (both INDIE and WhatsApp).
• Additional Services :
  • Request chequebooks, block cards, update Aadhaar, and manage forex cards.
  • Access insurance, IPO applications, and lifestyle services (e.g., dining offers, travel bookings).

3. Enhanced Security

• Robust Authentication:

4. Time and Cost Efficiency

• No Branch Visits : Perform most banking tasks (e.g., fund transfers, bill payments, loan applications) digitally, saving time and travel costs.
• Free Services :
  • INDIE app and WhatsApp Banking are free to use (only standard data/SMS charges apply).
  • SMS Banking (e.g., send “Bal” to 9212299955) and Missed Call Banking (18002741000 for balance) incur no bank fees.
• Quick Transactions :
  • UPI and IMPS enable instant transfers.
  • WhatsApp Banking provides near-instant responses for balance checks or credit card queries.

5. Personalization and Flexibility

• Multiple Login Options (INDIE App):
  • Choose 4-digit MPIN, Swipe Pattern, or biometric authentication (fingerprint/Touch ID) for login.
  • Set a profile picture or select a primary account for a personalized experience.
• Customizable Dashboard :
  • Prioritize frequently used services (e.g., UPI, bill payments) on the INDIE app’s home screen.
• Account Switching (WhatsApp):
  • Easily switch between multiple accounts (savings, credit card, loan) under the same Customer ID by typing “I want to switch to another account.”
• Multi-Platform Access :
  • Use INDIE app for full banking, WhatsApp for quick queries, or SMS/USSD ( 99 69#) for basic tasks, suiting different devices and connectivity levels.

6. Accessibility for Diverse Users

• Smartphone and Non-Smartphone Support :
  • INDIE app caters to smartphone users with Android, iOS, or Windows devices.
  • SMS Banking, Missed Call Banking, and USSD Banking ( 99 69#) support feature phone users or those in low-connectivity areas.

Uses of IndusInd Bank Mobile Banking App

You can use the IndusInd Bank mobile banking app for the following -

• View real-time balances for savings, current, or other linked accounts.
• Access a summary of recent transactions (e.g., last 5-10 transactions).
• Review detailed transaction records for accounts, loans, or credit cards.
• Check account status, interest rates, and linked services (e.g., overdraft limits).
• Manage multiple accounts under the same Customer ID with easy switching.
• Make instant payments using Unified Payments Interface (UPI) via:
• Scan QR codes for quick transactions at merchants or individuals.
• Send money to phone contacts or VPA (Virtual Payment Address).
• Transfer funds instantly using a Mobile Money Identifier (MMID) or account number/IFSC (up to INR 10,000/day for MMID-based transfers).
• Schedule or execute inter-bank transfers for larger amounts, subject to RBI guidelines.
• Send cash (up to INR 10,000/day) to any mobile number for ATM withdrawal without a card.
• Pay electricity, water, gas, and broadband bills instantly or schedule payments.
• Recharge prepaid mobile phones or DTH services for any provider.
• Top up FASTag accounts for toll payments.
• Pay IndusInd or other bank credit card bills directly.

How to Reset the Password of IndusInd Bank Mobile Banking?

To reset the password for the IndusInd Bank Mobile Banking App (INDIE), specifically the MPIN (4-digit Mobile Banking Personal Identification Number) or Swipe Pattern used for login, you can follow a straightforward process through the app, Net Banking, or customer support. Below is a concise guide on how to reset the MPIN or Swipe Pattern, including prerequisites, steps, and troubleshooting tips, based on available information.

Steps to Reset MPIN or Swipe Pattern

Option 1: Reset via the INDIE Mobile Banking App

1. Open the App :
   • Launch the IndusInd Bank Mobile Banking App - INDIE on your smartphone.
   • Ensure the SIM with your registered mobile number is inserted.
2. Select Forgot MPIN/Pattern :
   • On the login screen, tap Forgot MPIN or Forgot Pattern (depending on your login method).
   • Alternatively, look for Trouble Logging In? or Reset MPIN/Pattern.
3. Enter Identification Details :
   • Input your registered mobile number and one of:
     • Customer ID (from statements, chequebook, or welcome letter).
     • Account Number.
     • Debit/Credit Card Number and PIN.
   • If prompted, select the relationship type (e.g., Savings/Current Account, Credit Card).
4. Verify Identity :
   • An OTP will be sent to your registered mobile number.
   • Enter the OTP to authenticate your identity.
   • In some cases, you may need to answer security questions or provide additional card details.
5. Set New MPIN or Swipe Pattern :
   • For MPIN :
     • Enter a new 4-digit MPIN (numeric password).
     • Confirm the MPIN by re-entering it.
   • For Swipe Pattern :
     • Draw a new Swipe Pattern (similar to Android lock patterns).
     • Redraw to confirm the pattern.
   • Optionally, enable biometric authentication (fingerprint/Touch ID) if supported.
6. Confirm Reset :
   • Submit the new MPIN or Swipe Pattern.
   • You’ll receive a confirmation message, and you can now log in with the new credentials.

Option 2: Reset via IndusInd Net Banking

1. Log in to Net Banking :
   • Visit www.indusind.com and click Login > Personal Banking.
   • Enter your Net Banking User ID and Password.
2. Navigate to MPIN Reset :
   • Go to Service Requests or Mobile Banking Settings.
   • Select Reset Mobile Banking MPIN or Reset Swipe Pattern.
3. Verify Identity :
   • Enter your registered mobile number or Customer ID.
   • An OTP will be sent to your registered number. Enter the OTP.
   • You may need to provide debit/credit card details or answer security questions.
4. Set New MPIN or Swipe Pattern :
   • Follow prompts to set a new 4-digit MPIN or Swipe Pattern.
   • Confirm the new credentials.
5. Save Changes :
   • Submit the request and receive confirmation.
   • Use the new MPIN or Swipe Pattern to log in to the INDIE app.

Option 3: Contact Customer Support

If you cannot reset via the app or Net Banking (e.g., no access to registered number, card, or Net Banking):

1. Call Customer Care :
   • Dial 1860 267 7777 (India, 24/7) or +91 22 4406 6666 (overseas).
   • Select the appropriate IVR option for mobile banking support.
2. Verify Identity :
   • Provide your Customer ID, account number, or registered mobile number.
   • Answer security questions (e.g., DOB, mother’s maiden name) or provide card details.
3. Request MPIN Reset :
   • Request a reset for your MPIN or Swipe Pattern.
   • The representative may send a temporary OTP or reset link to your registered number/email.
4. Set New Credentials :
   • Follow instructions to set a new MPIN or Swipe Pattern via the app or a provided link.
5. Visit a Branch (if needed):
   • If phone-based reset fails, visit an IndusInd Bank branch with:
     • Valid ID proof (Aadhaar, PAN, Passport).
     • Account details (passbook, chequebook).
   • Submit a written request to reset mobile banking credentials.

Option 4: Reset via WhatsApp Banking

• Note : WhatsApp Banking (+91 22 4406 6666) primarily supports balance checks and mini-statements, but you can initiate a reset query.

1. Send “Hi” to +91 22 4406 6666 from your registered mobile number.
2. Type “Reset MPIN” or “Help with Mobile Banking”.
3. Follow prompts to verify identity (e.g., OTP, last 4 digits of account/card).
4. You may be redirected to the INDIE app, Net Banking, or customer care for the reset.

IndusInd Bank Mobile Banking Transaction Limit

The transaction limits for IndusInd Bank mobile banking are -