Indian Bank Net Banking

Last Updated : April 15, 2025, 6:37 p.m.

Indian Bank’s Net Banking, known as IndSMART, is a secure and user-friendly online platform that allows customers to manage their banking needs anytime, anywhere. Accessible via the official website or the IndOASIS mobile app (available on iOS and Android), it caters to both retail and corporate customers, offering a wide range of financial services 24/7.

In this article, we will delve deeper into the net banking facilities and how they are beneficial to savings accounts holders and other customers.

Indian Bank Net Banking Benefits

Below are the benefits of net banking -

1. Anytime, Anywhere Banking
   
   • Access your account 24/7 without visiting the branch — from the comfort of your home, office, or on the go. Use Indian Bank balance check number.
     
2. Easy Fund Transfers
   
   • Transfer money securely through NEFT, RTGS, IMPS, UPI, and intra-bank transfers to any bank in India.
     
3. Hassle-Free Bill Payments
   
   • Pay electricity, water, mobile, DTH, insurance premiums, and credit card bills directly from your account.
     
4. Open Fixed & Recurring Deposits Online
   
   • No need to visit the branch — create and manage FDs or RDs digitally.
     
5. High-End Security
   
   • Protected with advanced encryption, two-factor authentication, and OTP verification for secure transactions.
     
6. Real-Time Account Monitoring
   
   • View account balance, download statements, and track transaction history in real-time.
     
7. Loan & Credit Card Management
   
   • Apply for loans, repay EMIs, and check credit card dues online.
     
8. Debit Card Control
   
   • Block, unblock, or request new debit cards and manage transaction limits directly from your net banking dashboard.
     
9. E-Tax & Government Payments
   
   • Pay income tax, GST, TDS, and other statutory dues without standing in queues.
     
10. Environment-Friendly & Paperless
    
    • Digital banking reduces paperwork and helps promote eco-friendly banking habits.

Indian Bank Net Banking Features

Some of the features are -

Account Management

• View savings account balance, mini statements, and detailed transaction history.
  
• Download account statements in multiple formats (PDF, Excel, CSV).
  
• Monitor loan accounts and check EMI schedules.

Fund Transfers

• Transfer funds easily via:
  
  • NEFT (National Electronic Funds Transfer)
    
  • RTGS (Real-Time Gross Settlement)
    
  • IMPS (Immediate Payment Service)
    
  • Intra-bank transfers (within Indian Bank).

Bill Payment Services

• Pay utility bills like electricity, water, gas, broadband, mobile recharge, DTH, and more.
  
• Manage automatic bill payment schedules for recurring payments.

Card Services

• Apply for new Debit or Credit Cards.
  
• Block or hotlist a lost/stolen card online.
  
• Modify transaction limits and view card statements.

Deposits and Investments

• Open or renew Fixed Deposits (FDs) and Recurring Deposits (RDs).
  
• View deposit maturity details and manage investments online.

Self-Service Options

• Change login and transaction passwords.
  
• Update personal details like mobile number or email ID.
  
• Generate and download account-related certificates (Interest, TDS).

Tax & Government Payments

• Pay Income Tax, TDS, GST, and other statutory dues directly.
  
• Generate and download tax challans and receipts.

Advanced Security

• Two-factor authentication (2FA) for login and transactions.
  
• OTP (One Time Password) for every sensitive action.
  
• End-to-end encrypted secure session for safe banking.

Registration Process of Indian Bank Net Banking

To register for Indian Bank Net Banking (IndSMART), you can use either the online or offline method. Below are the detailed steps for each:

• Online Registration :
  1. Visit the official net banking portal: or go to → “Internet Banking” → “Retail Login.”
  2. Click “Register Online” or “New User Registration.”
  3. Enter your account number and registered mobile number (prefixed with country code, e.g., +91 for India).
  4. Click “Submit” to receive an OTP on your registered mobile number.
  5. Enter the OTP and provide additional details:
     • Date of birth.
     • Email address.
     • CIF number (optional, found in passbook/statement; if unknown, proceed without it).
  6. Select facility type: View only or View and Transact (recommended for full access).
  7. Create a login password (minimum 8 characters, including letters, numbers, and special characters).
  8. Set two security questions and answers for password recovery.
  9. Submit the form to complete registration.
  10. Note your User ID (CIF number or assigned ID displayed on-screen or sent via SMS/email).
• Offline Registration :
  1. Visit any Indian Bank branch and request the Net Banking Application Form
  2. Fill out the form with:
     • Account number.
     • Name, mobile number, and email address.
     • Preferred facility type (View only or View and Transact).
  3. Attach KYC documents (e.g., Aadhaar, PAN) if requested.
  4. Submit the form to the branch official.
  5. After processing (typically 2-3 working days), receive your User ID and temporary password via:
     • SMS or email to registered contact details.
     • Physical mail to your registered address.

How to Activate Indian Bank Net Banking?

To activate Indian Bank Net Banking (IndSMART) after registration, follow these steps:

• Online Activation (Using Debit Card) :
  1. Visit the net banking portal:
  2. Click on “Activate Account” or “First Time User Activation.”
  3. Select activation mode as “ATM Card.”
  4. Enter the following details:
     • Debit card number (16 digits).
     • ATM PIN.
     • Card expiry date (MM/YYYY).
  5. Agree to the Terms and Conditions.
  6. Click “Submit” to verify your details.
  7. Receive a confirmation message indicating successful activation (takes up to 24 hours).
  8. During your first login, you’ll be prompted to set a transaction password:
     • Enter and confirm a new transaction password (8+ characters, per bank guidelines).
     • Click “Exit” to finalize the setup.
• Offline Activation (Through Branch) :
  1. Download the net banking activation form from the official website or collect it from any Indian Bank branch.
  2. Fill out the form with your:
     • Account number.
     • User ID (received during registration).
     • Registered mobile number.
  3. Submit the form along with KYC documents (e.g., Aadhaar, PAN, if required) at the branch.
  4. The bank will process the request, and your net banking will be activated within 24 hours.
  5. You’ll receive a confirmation via SMS or email.
• First-Time Login (Post-Activation) :
  1. Go to official website
  2. Enter your User ID (CIF number or assigned ID) and login password (set during registration).
  3. Complete OTP verification (sent to your registered mobile number) if prompted.
  4. Set the transaction password as described above to fully activate all features.

Indian Bank Net Banking Login Process

To log in to Indian Bank Net Banking (IndSMART), follow these steps:

1. Visit the official net banking portal:
2. Select “Individual Banking” (or “Corporate Banking” if applicable).
3. Enter your User ID (CIF number or assigned ID provided during registration).
4. Enter your login password (created during registration or reset).
5. Input the captcha code displayed on the screen.
6. Click “Login” or “Sign In.”
7. For first-time logins or new devices, verify your identity:
   • Enter the OTP sent to your registered mobile number.
   • Alternatively, answer a security question (if set up during registration).
8. Access the dashboard to manage accounts, transfer funds, or use other services.

• Mobile App Login :
  • Download the IndOASIS app from Google Play Store or Apple App Store.
  • Log in using the same User ID and login password.
  • Optionally, set a 4-digit MPIN for faster access to the app.

How to Reset the Password of Indian Bank Net Banking?

If you forget your Indian Bank Net Banking (IndSMART) password, you can reset it using the online method or by visiting a branch. Below are the detailed steps:

• Online Password Reset :
  • Go to the net banking portal
  • On the login page, click “Forgot Password” or “Reset Password.”
  • Choose one of the reset options:
    • Using ATM Card :
      • Enter your User ID, registered mobile number, and the captcha code.
      • Provide your CIF number (optional, found in passbook/statement).
      • Verify your identity by entering:
        • Debit card number (16 digits).
        • ATM PIN.
        • Card expiry date (MM/YYYY).
      • Receive an OTP on your registered mobile number.
    • Using Secret Questions :
      • Enter your User ID.
      • Answer the two security questions you set during registration.
      • Verify with an OTP sent to your registered mobile number.
  • Enter the OTP to proceed.
  • Set a new login password (minimum 8 characters, including letters, numbers, and special characters).
  • If prompted, set a new transaction password for authorizing transfers.
  • Click “Submit” to confirm. A confirmation message will appear.
  • Use the new password to log in.
• Offline Password Reset :
  • Visit any Indian Bank branch.
  • Request a net banking password reset form
  • Fill out the form with details like:
    • Account number.
    • User ID.
    • Registered mobile number.
  • Submit the form along with KYC documents (e.g., Aadhaar, PAN, if required).
  • After verification (typically 5-10 days), the bank will send a temporary password via:
    • SMS or email to your registered contact details.
    • Physical mail to your registered address.
  • Log in with the temporary password and reset it to a permanent one online.
• Customer Care Assistance :
  • If online reset fails, call Indian Bank’s toll-free numbers: 1800 425 00 000 or 1800 425 4422.
  • Verify your identity with details like account number, date of birth, or registered mobile number.
  • Follow instructions to receive a temporary password or reset guidance.

Indian Bank Net Banking Transaction Limit

The transaction limits for Indian Bank Net Banking (IndSMART) vary depending on the type of transfer and account settings. Below are the details based on available information:

• NEFT (National Electronic Funds Transfer) :
  • Minimum : ₹1 per transaction.
  • Maximum : Up to ₹10,00,000 per day for retail customers.
  • No cap on the total daily/monthly amount, but individual transactions are limited.
• RTGS (Real-Time Gross Settlement) :
  • Minimum : ₹2,00,000 per transaction.
  • Maximum : Up to ₹10,00,000 per day for retail customers (subject to account type).
• IMPS (Immediate Payment Service) :
  • Maximum : Up to ₹5,00,000 per transaction.
  • Daily Limit : Included in the overall ₹10,00,000 daily cap for retail customers.
• Intra-Bank Transfers (within Indian Bank accounts):
  • No specific upper limit per transaction, but subject to the daily cap of ₹10,00,000 for retail customers.
• UPI (Unified Payments Interface) (via IndOASIS app or third-party apps):
  • Maximum : Up to ₹1,00,000 per transaction.
  • Daily Limit : Up to ₹1,00,000 or 10 transactions (whichever is lower).
• Corporate Customers :
  • Limits are customized based on the application submitted to the bank.
  • Higher limits can be approved with branch authorization and enhanced KYC.