Project on

Project onE-Banking

Index

E-Banking

Net Banking

Credit Cards Online

OneView

InstaAlerts

MobileBanking

ATM

PhoneBanking

Acknowledgement:

HDFC Bank NetBanking internet site

Link: https://netbanking.hdfcbank.com/netbankingE-BANKING

Businesses operating as banks today may be insurance companies, auto manufacturers offering their own loan services, or retailers with branded low-interest credit cards. In a global marketplace characterized by rapid deregulation, mergers and acquisitions, pervasive wireless computing, and a proliferation of companies offering services that once were solely the domain of banks, no bank can afford to stand with its existing business model.

Around the world, banks are facing new challenges in their battle to compete successfully.

As ease of entry increases, competition to provide banking services will constantly grow and change. Business and residential clients will be more independent in their selection of services, especially with the creation of online banking services, where they can easily select the packages best suited to their needs. Customer attraction and loyalty will be increasingly hard-earned, while operational costs and time to market will need to be reduced and closely controlled.

Need for e-commerce banking solutions

On top of these developments, the exploding volume and complexity of transactional data that banks must manage and use effectively is straining the capabilities of many IT infrastructures to operate profitably.

Increasingly, the goal of leading banking institutions is to offer the global market a diversified range of financial products and services via a single e-commerce portal. Broadly defined, e-commerce is all the transactional commerce conducted electronically between businesses and other businesses (B2B), between businesses and their end-customers (B2C) and within an enterprise, over the Internet, extranets and intranets.

Many industry analysts foresee an accelerating growth in e-markets frictionless global networks that link multiple buyers and sellers together to provide high-volume commercial transactions with high security, dynamic pricing and significant cost savings. In the area of pervasive computing, IBM estimates that by 2003, there will be 2.6 billion network access devices worldwide, including cell phones and hand-held computers. Whatever the forecasts, it is clear that e-commerce is coming, and the financial markets will reward those firms that best exploit the power of the Internet.

But in the intensely competitive networked banking marketplace, the demands of e-commerce go far beyond simple interconnection. Competitive demands have made clear the need for banks to stay at the cutting edge of e-commerce technology so they can provide high levels of service all the time, anywhere, over any communications channel. Banks need e-commerce systems that are integrated with the entire chain of back office and business decision processes for optimum flexibility, responsiveness to changing market requirements and profitability. The time for advanced e-commerce is now if you dont want to be left behind by your traditional and new competitors.

To achieve and maintain an edge on its competition, a bank needs an open e-commerce platform that can:

Integrate new e-commerce applications with existing applications to optimize IT investments and save on reprogramming and management costs

Provide the power and scalability to handle multiple workloads, shift resources to match changing workloads, handle unpredictable peaks, and grow with your business

Provide rock-solid security and advanced services availability for transactions all the time, around the world absolute essentials for competitive banking

Exploit the value of your customer and market data by deploying business intelligence (BI) and customer relationship management (CRM) software to help you better anticipate, understand and respond to customer wants and needs

Unify your enterprise management chain with an open server platform that integrates purchase and sales processes with information on customers and product offerings for more timely, targeted and personalized customer service

Integrate future technologies and new ways of doing business with customers

HDFC - Net Banking

NetBanking is HDFC Bank's Internet Banking service. Providing up-to-the-second account information, NetBanking lets you manage your account from the comfort of your mouse - anytime, anywhere.

Introducing a simpler way to register for NetBanking

Say goodbye to long queues and paper work. Presenting one more reason to register for NetBanking, You can call the PhoneBanking numbers in your city to register for NetBanking.

What can I do using NetBanking?

Our industry leading service provides a host of features at your finger-tips:

View Account Balances & Statements

Transfer Funds between accounts

Create Fixed Deposits Online

Request a Demand Draft

Pay Bills

Order a Cheque Book

Request Stop Payment on a Cheque

And lots more

Why should I use NetBanking?

Internet Banking is the most convenient and powerful way to manage your account.

NetBanking is Real Time, giving you up-to-the-second details on your account.

It can be accessed anytime, from anywhere, giving you complete control over your finances

There are no queues to stand in, or turns to wait for. With NetBanking you are in control.

HDFC Bank's NetBanking service is secure. Using industry-standard technologies and infrastructures, our service gives you peace of mind.

So next time you think of visiting your branch, switch on your PC instead.

What do you mean that the transactions are "Real-Time online"?

We have designed the NetBanking service in such a way that it takes your requests and acts on them immediately. All transactions that will affect your balance (except Demand Draft request) are done automatically by the system. For example, Fund Transfer, Stop Payment instruction, Fixed Deposit request. All the balances that are displayed to you are as of that instant and would cover transactions done by you over any of our channels.

How will I know that my transaction has been completed?The NetBanking system does one of the following, depending upon the transaction you have requested:

Displays the information requested

Accepts your instruction and displays an appropriate message to the effect or gives you a transaction reference number which you may use to refer to your transaction in all future communication regarding the same

Displays an appropriate message on why it cannot complete your transaction or asks you to try again

Features & Benefits

How do I transfer money?

HDFC Bank brings to you Visa Money Transfer - a facility through which you can now transfer funds to any Visa Card (debit or credit) within India at your own convenience through HDFC Bank's NetBanking facility.

Key Benefits

Transfer funds from your account to any Visa Card (debit or credit) within India.

Convenience at its best - No queuing up at Bank branches or waiting for your DD to be delivered at your home/office!

Transfer money at "negligible cost'' in much faster, safer & easier way!

Transferring money - a simple and convenient process

Process for doing the transaction if you are registered for Third Party Funds Transfer:

Log on to NetBanking page on hdfcbank.com

Enter your Customer ID and Password

Go to Third Party Funds Transfer and select Visa Money Transfer

Enter Transfer details- Sender and Recipient Information

Confirm transaction

Credit to beneficiary's card

Your account will be debited online, and the funds will be sent to the beneficiary Bank within 2 working days using the Visa system. The Beneficiary Bank will then transfer the funds to the beneficiary's card account.

Your account will also be debited for a transaction fee. Please note that w.e.f. 1st August 2005 a nominal transaction fee of Rs 20/- (plus taxes) will be applicable per Visa Money Transfer transaction.

Features & Benefits

Prepaid Mobile Refill on Internet

Recharge Online

Prepaid Mobile Refill through SMS

Prepaid Mobile Refill on ATM

HDFC Bank offers Prepaid Mobile Refill, which allows you to recharge your prepaid mobile phone anytime from anywhere and pay directly from your Bank account. Avoid hassles of withdrawing cash or searching for a retailer for buying the recharge card..

You can avail of this service in three convenient ways: Prepaid Mobile Refill on Internet Prepaid Mobile Refill through SMS Prepaid Mobile Refill on ATM

Prepaid Mobile Refill on Internet

You can now recharge your Prepaid Mobile phone right here on the HDFC Bank website.

Enjoy Convenience of:

Recharging your prepaid mobile phone from the comfort of your home or office anytime.

Paying directly from your Bank account - avoid the hassle of withdrawing cash from an ATM or Branch.

To avail the facility, customer has to go to the recharge page and do the following steps:

Select Mobile Operator Name, enter Mobile Number, Amount for Top-Up

Confirm payment by logging into NetBanking using your Customer ID and IPIN (NetBanking password).

Depending on the recharge option chosen, your phone will be recharged in a few seconds.

Within seconds you will get an SMS confirming the refill for the asked amount!

What's more, this service is absolutely FREE to you!

Where can I access this service ?

Operator Name

Circle

Airtel

BPL

Hutch

Idea

Reliance India Mobile

Andhra Pradesh, Bihar, Chennai, Delhi, Gujarat, Karnataka, Kerala, Madhya Pradesh, Mumbai,Rajasthan, Tamil Nadu, Uttar Pradesh (East),Uttar Pradesh (West), West Bengal

Mumbai

Andhra Pradesh, Chennai, Delhi, Gujarat, Haryana, Karnataka,Kerala, Kolkata, Mumbai, Punjab, Rajasthan, Uttar Pradesh (East), Uttar Pradesh (West), West Bengal

Andhra Pradesh, Delhi, Goa, Gujarat, Haryana, Himachal Pradesh, Kerala, Madhya Pradesh, Maharashtra, Uttar Pradesh (East), Uttar Pradesh (West)

All India

Prepaid Mobile Refill through SMS

You need to be registered for this service. But don't worry, no long forms to be filled! Just walk in to an HDFC Bank ATM and do the following:

Select 'Prepaid Refill/Bill Pay' option

Select 'SMS refill registration'

Enter your 10 digit mobile number and confirm

Within seconds you will receive an SMS confirming your registration. The SMS will contain a code number, the syntax of the message that you need to send for getting a refill done and the number to which the message needs to be sent.

What's more, this service is absolutely FREE from HDFC Bank! You only have to pay the regular SMS charge for your SMS request.

Simple and convenient, isn't it? So now a refill is just an SMS away. This service is currently available across select regions / ATMs.

Prepaid Mobile Refill on ATM

To avail of Prepaid Mobile Refill at ATM, just walk in to a HDFC Bank ATM and do the following

Select 'Prepaid Refill/Bill Pay'

Then select Pre-paid Refill

Enter the 10 digit mobile number and confirm

Fill the amount you want your card to be re-filled for

Within seconds you will get an SMS confirming the refill for the asked amount!

What's more, this service is absolutely FREE from HDFC Bank! You only have to go to the ATM and use your card.

Where can I access this service ?

Operator Name

Circle

Airtel

BPL

Hutch

Idea

Reliance India Mobile

Andhra Pradesh, Bihar, Chennai, Delhi, Gujarat, Karnataka, Kerala, Madhya Pradesh, Mumbai,Rajasthan, Tamil Nadu, Uttar Pradesh(East), Uttar Pradesh(West), West Bengal

Mumbai

Andhra Pradesh, Chennai, Delhi, Gujarat, Haryana, Karnataka,Kerala, Kolkata, Mumbai , Punjab, Rajasthan, Uttar Pradesh (East), Uttar Pradesh (West), West Bengal

Andhra Pradesh, Delhi, Goa, Gujarat, Haryana, Himachal Pradesh, Kerala, Madhya Pradesh, Maharashtra, Uttar Pradesh (East), Uttar Pradesh (West)

All India

Bill pay

Now, you have the luxury of paying your telephone, electricity and mobile phone bills at your convenience through the Internet, ATMs, your mobile phoneor telephone - using BillPay, a comprehensive bill payments solution.

What's more you can check the bill amount before you make any payments ensuring you always pay the right amount. BillPay has made all your bill payments easy.

Key Benefits

Convenience at its best - No queuing up at collection centres or writing cheques any more!

A variety of payment modes available - ATMs, NetBanking, MobileBanking and PhoneBanking

Payments can be made right up to the due date.

Check your bill amount before you make any payments - ensuring you pay the exact amount you wish to.

Receive discount from specific billers on payments made through BillPay. Discounts will be provided in the next month's bills.

Location

Biller Name

Offer

Mumbai

Reliance Energy

0.5% discount on bill amount, subject to a maximum discount of Rs. 250 per bill

Mahanagar Gas

1% discount

MTNL

1% discount subject to a maximum discount of Rs. 250 per bill

Please note: these discounts are offered by the billers as per their internal scheme.

Which Bills can I pay?

We have tie-up with over 80 Utility Companies across India.

Using BillPay, you can pay your bills for 5 different electricity consumer numbers, 5 different phone (landline + cellular) numbers and 5 different insurance policy numbers - via ATM, NetBanking, MobileBanking and PhoneBanking.

Mobile Phone bills

Electricity & Telephone bills

Insurance Premium

Subscription / Renewal of your VSNL Internet Account

Credit Cards Online

HDFC Bank NetBanking service is now available for Credit Cards also. Now using your HDFC Bank Credit Card has become more convenient and time saving. You can now access your Credit Card account from home or office or even while traveling. With NetBanking you can view your card account information and do much more just at the click of a button. Currently the following Credit Cards Netbanking features are available:-

View

Account Information

Unbilled Transactions

Credit Card Statement

Download Card Statement (upto last 6 months)

Request for

Autopay Register (Only for HDFC Bank account holders)

Autopay Deregister

Statement on E-Mail

Credit Card ATM PIN

Register New Card

Deregister Card

Update Contact Details

Credit Card Payment (Only for HDFC Bank account holders)

The following details are displayed on the screen

Total Credit limit(This the total credit limit assigned to you at the time of card setup)

Available Credit limit(This is the credit limit available to you as of today and is exclusive of total outstanding amount - Billed and Unbilled)

Available Cash limit(This is the cash limit available to you as of today)

Total billed amount(This is the total amount billed on your last statement)

Payment due date(This is the payment due date for your last statement)

Minimum Amount due(This is the minimum amount due as per your last statement)

Total unbilled amount(This is the sum of all retail transactions - both debit and credit, done by you after the last statement date.)

Total outstanding authorizations amount(This is sum of all the retail transactions done by you but not appearing under Total unbilled amount and the non-retail transactions after the last statement date which are authorised by you and are yet to be billed to your account. It includes the Cash-on-Call principal amount, EMI amount, Cash withdrawal, and Balance Transfer amount which is outstanding on your card account.)

Reward Points balance - Last Statement(This shows the total rewards points you had accrued till the last statement date)

Rewards Points balance - Current(This shows the total reward points you currently have in your card account)

What is Autopay facility?Autopay is a facility which takes care of the payment of your Credit Card bills. If you register for Autopay facility, your Credit Card statement outstanding amount will be debited from your HDFC Bank account automatically on the payment due date every month. The payment will get reflected in your Credit Card account on the next day.

What is statement on E-mail? How useful is this?This is a service wherein your monthly Credit Card statement will be sent to your office/residence Email ID in PDF format once you register for this service. You will continue getting the physical statement also. This is very convenient and time saving for you. You need not wait for the physical statement and you can make your Credit Card bill payments basis this E-statement.

Can I change my contact details through NetBanking?Yes, you can change your contact details through NetBanking. Having your latest contact details would help us to serve you more efficiently.

OneView

OneView is a revolutionary service from HDFC Bank that allows you to manage multiple accounts in different banks through one single online interface.

If you are an HDFC Bank customer and have one or more accounts with Citibank, ICICI Bank, HSBC India, Standard Chartered Bank then OneView is just right for you.

Features & Benefits

No need to individually log on to internet banking of every account. Just log on to One View and manage upto FIVE accounts in different banks.

Remember only ONE password.

No charges whatsoever - Enjoy this convenience, absolutely FREE!

How secure is OneView?

OneView gives you the world class banking security and technology sophistication you'd expect of HDFC Bank, with features such as:

Robust firewall protection makes it nearly impossible to break through.

All information is transmitted using advanced 128 bit Secure Socket Layer (SSL) encryption technology.

Automatic time-outs ensure that your account details are not viewed by others.

You can only view your accounts and cannot transact, so your money is absolutely safe.

How do you benefit from OneView?Take a look at the numerous advantages it ensures:

You get a single view of multiple online accounts that you and your family hold with HDFC Bank, Citibank, ICICI Bank, HSBC India, Standard Chartered Bank

You can see all transactions made on your accounts

Get a summary of your fixed deposits at-a-glance

It's easier to decide from which account to make payments and investments

Managing your accounts is simpler; no need to log on to, and get information from, different websites

You pay nothing whatsoever - it's absolutely free!

You can add up to five bank accounts at one time. Currently, these five bank accounts have to be from HDFC Bank, Citibank, ICICI Bank, HSBC India, Standard Chartered Bank. You can add or delete accounts as and when you choose to. Alternately, if you do not enter the password of one of the Banks, the data for that Bank will not be displayed.

InstaAlerts

Now you can get regular updates on your bank account on your mobile phone or email ID.

Just register for our InstaAlert service and receive updates on your account as and when the select transaction happens - all this without visiting the branch or ATM!

You can register for any or all of the following alerts:

Debit transactions greater than Rs. 5,000/ Rs.10, 000/ Rs. 20,000/Rs. 50,000

Credit in account greater than Rs. 5,000/ Rs.10, 000/ Rs. 20,000/Rs. 50,000

Account Balance below Rs. 5,000/ Rs.10, 000/ Rs. 20,000/Rs. 50,000-

Weekly account balance

Salary Credits*

Utility bill payment due Alert**

What is InstaAlert?HDFC Bank InstaAlert is a facility through which you can receive latest information about your banking transactions on your HDFC Bank Account. These could be event or frequency based alerts. Alerts for which you are registered with the bank are sent either via an SMS on your mobile phone or through an email to your mail id or both.

How often will I receive the alerts?Depending on the type of alerts selected, you will receive the alert(s) when the particular event happens. However, in case of the Weekly account balance, the alert is sent once a week.

How do I register for InstaAlert?You can register for InstaAlert online by logging on to NetBanking. Alternatively, you can fill an InstaAlert application form and drop it at the nearest HDFC Bank branch.

MobileBanking

What can I do using MobileBanking?

Our MobileBanking service provides a host of features at your finger-tips through SMS:

Get your balance details

Obtain your last 3 transaction details

Request a cheque book

Stop a cheque payment

Enquire cheque status

Request an account statement

Get Fixed Deposit details

Pay your bills*

How does it work?

MobileBanking works through a set of text messages (SMS). With SMS you can perform a wide range of query-based transactions from your mobile phone, without even making a call.

All you need to do is to type in the specified code for the transaction as a text message and send it to 676712.

You will receive the response in the form of a text message on your mobile phone screen within a few seconds.

What is MobileBanking?MobileBanking is a service that allows you to do banking transactions on your mobile phone without making a call , using the SMS facility.

How do I avail of this service?If you are opening an account with the bank, you can apply for MobileBanking through the account opening document.If you already have an account with the bank, you can apply for MobileBanking through the combined Direct Banking Channels form. You can download the form and call for a sales representative. Alternatively you can fill this form and hand it over to your nearest branch.How does it work?MobileBanking works on the 'Text Messaging Facility' also called the SMS that is available on mobile phones. This facility allows you to send a short text message from your mobile phone instead of making a phone call.

All you need to do is type out a short text message on your mobile phone and send it out to 676712.The response is sent to you as an SMS message, all in the matter of a few seconds.

This message travels from your mobile phone to the SMS Centre of the Cellular Service Provider, and from there it travels to the Bank's systems. The information is retrieved and sent back to your mobile phone via the SMS Centre, all in a matter of a few seconds.

What are the eligibility criteria?HDFC Bank has launched this service in association with various Cellular Service Providers in different cities.

You need to be a subscriber of the Cellular Service Provider with whom the bank has tied up (with SMS facility)

You need to have a Savings/Current/Fixed Deposit Account with HDFC Bank to be able to use this facility

ATM

You can enjoy the following benefits at any of our over 1695 ATM across India:

24-hour access to cash - Withdraw up to Rs.10,000/- per day on your ATM Card and up to Rs. 15,000 on your Debit Card. The fast cash option saves your time by providing the cash in denominations of Rs.500/-.

View Account Balances & Mini-statements - Get details of the last 9 transactions on your account with the mini-statement, along with your balance.

Order a Cheque Book / Account Statement

Transfer Funds between accounts - You can also transfer money from one of your accounts to another. Both accounts must be linked to your ATM Card and Customer ID. A maximum of 5 Saving and 5 Current Accounts can be linked.

Refill your Prepaid card - If you are an HDFC Bank Account holder and a prepaid customer, you can now refill your prepaid card with our Prepaid Refill service. Know more.

Pay your utility bills - Pay your cellular, telephone and electricity bills through the ATM using BillPay, a comprehensive bill payments solution. Know more about BillPay.

Deposit cash or cheques - You can deposit cash or cheques into your account and the ATM will immediately print a receipt for the same.

Change your PIN - You can conveniently change your PIN (given at the time of opening your account) whenever you wish.

Learn about all our other products - Simply select a product and all the information you require will be displayed on the screen.

Global Network HDFC Bank ATMs are a part of the VISA International Plus ATM Network and the MasterCard International Cirrus ATM Network, and can be accessed by all domestic and international MasterCard, Cirrus or Maestro and VISA Electron cardholders for cash withdrawals and balance inquiries.

We have also partnered with American Express to offer their domestic and international cardholders the benefits of cash advances from any of our ATMs. See which cards can be used at our ATMs.

How can I use the "Funds Transfer" option at the ATM? In order to use the Funds Transfer option, you must have more than one Savings (single, either or survivor) or sole proprietorship Current Account with the bank. You need to make a request at any of our branches or on PhoneBanking to link your accounts to your card. Once the accounts are linked to your ATM Card, you can use the Funds Transfer option.

How do I use my ATM?To use the HDFC Bank ATM, just follow these easy steps:

Insert your card into the slot provided.

Select the language in which you want to be led through the transactions. Most ATMs offer you the options of conducting your transactions in English and Hindi. At some locations, you will be able to select between English and the regional language.

At the prompt, enter your PIN. Press the "Enter" key.

Select the transaction you wish to conduct (eg: withdrawal/ balance inquiry).

Select the account type. If you are using a Credit Card, select the "Credit" option.

If you are making a withdrawal, enter the amount you wish to receive.

Confirm that the amount is correct.

Collect your cash, card and receipt.

PhoneBanking

Your phone is now your bank!

When you dial in to PhoneBanking, a voice prompt will guide you through the various transactions. You may also talk to a Phone Banker, who will provide you with the required assistance.

Avail of the following services via PhoneBanking:

Check your account balance - Get up-to-the-second details of your Savings or Current Accounts and your Fixed Deposits. You can also get the details of the last 5 transactions on your account, or have a mini statement of last 9 transactions faxed across to you.

Enquire on the cheque status - You can use PhoneBanking to check on the status of cheques issued or deposited from anywhere in India.

Order a Cheque Book / Account Statement - Just call PhoneBanking and get your Cheque Book or latest Account Statement delivered at your doorstep.

Stop Payment - Stop payment of a single cheque or a series of cheques, 24 hours a day.

Loan Related queries - Get details of the outstanding loan amount, enquire about your loan account, request for an interest certificate and repayment schedule, etc. Just call PhoneBanking in your city and dial 4 to speak to our PhoneBanker

Open a Fixed deposit or Enquire on your Fixed deposits / TDS*# - Talk to our PhoneBanker to easily open a Fixed Deposit over the phone, by simply authorising a transfer of funds from your Savings Account.

Transfer Funds between accounts*# - You can also transfer money from one of your accounts to another. Both accounts must be linked to your Customer ID. You can transfer amounts upto Rs 1 Lac in a single day.

Pay your bills - Pay your cellular, telephone, electricity and HDFC Bank Credit Card bills through PhoneBanking using BillPay, a comprehensive bill payments solution. Know more about BillPay.

Report loss of your ATM / Debit Card / ForexPlus Card - If your ATM / Debit / ForexPlus Card is lost, call any PhoneBanking number to deactivate your card(s).

Learn about all our other products - Get details on HDFC Bank products & services by talking to our Phone Banker.

Enquire about latest Interest / Exchange rates - Get latest Interest rates on Deposits and Foreign Exchange rates by talking to our Phone Banker.

Request a Demand Draft / Manager's Cheque #** - Call PhoneBanking and get a Demand Draft / Manager's Cheque delivered to your doorstep.

What is the difference between a Customer ID Number and a Telephone Identification Number (TIN)?The Customer ID Number and the Telephone Identification Number (TIN), are two separate unique numbers. The Customer ID is a unique number given while Account opening. This is communicated to you in the Welcome Letter.

The Telephone Identification Number (TIN), is a four-digit number also called as a Phonebanking password. You need to use the TIN along with the Customer ID Number in order to access A/c information through PhoneBanking. The Telephone Identification Number is sent to you in the welcome kit.

We suggest that you keep both the numbers confidential._1246040968.bin