Beginner's Guide

1.  Is user id and password case sensitive? 2.  Can I change the User-id and Password? 3.  Why two (2) passwords have been provided? 4.  How to change passwords? 5.  How to choose passwords? 6.  What are the good practices for creating a password? 7.  How many attempts do I get to enter my passwords? 8.  I am unable to login with the Password and allotted User-id, communicated to me by the Bank. 9.  I am not able to open Internet Banking Page / I am getting a "Page cannot be displayed" page. 10. Does my passwords expire? 11. What happens if I forget my password? 12. What is IBS Key? 13. What happens if I forget my IBS Key? 14. What happens if I forget my User-id for Internet Banking?

1. Is user id and password case sensitive? User id is not case sensitive whereas password(s) are case sensitive.

2. Can I change the User-id and Password? Your user Id cannot be changed. It is mandatory for you to change passwords with your own convenient passwords at first login. Later on at any time you can change your passwords but not the user-id.

3. Why two (2) passwords have been provided? The Login password will enable you to get access to you accounts (view only). When you are doing any transaction/payment using the Internet Banking services then the same is to be confirmed by using Transaction password.

4. How to change passwords? Passwords can be changed any time and any number of times through change password option under your IBS login. In fact bank recommends frequent change of passwords for securing access through internet.

5. How to choose passwords? While choosing password, please ensure that: - Your Password should be easy for you to remember and difficult to guess by others. - Simple password(s) are not selected. - The passwords which can easily be guessed e.g date of birth, car number wife/mother's name etc should not be used. - The passwords should be combination of alpha, numeric digits and special characters. - Use at least one special character (like @, #, $ etc) in your password otherwise system will not accept your passwords.

6. What are the good practices for creating a password? Please choose a password that is not a dictionary word and not guessable from your personal information known to others such names in the family, vehicle numbers etc. You should change your password frequently. Please try to remember the password and do not write it down or paste it somewhere. Last but not the least, never ever disclose your passwords to anybody be it by any communication i.e. verbal, email, SMS, on paper or any other communication mode. PLEASE NOTE THAT BANK WILL NEVER ASK FOR YOUR PASSWORDS IN ANY CASE. PLEASE DO NOT RESPOND TO ANY MAIL ASKING THIS INFORMATION.

7. How many attempts do I get to enter my passwords? Five (5) attempts are available for login password, whereas for transaction password there are 4 attempts. After the unsuccessful attempts the passwords get disabled and you have to make request at any branch for resetting of the passwords. New passwords would be sent to the same branch after resetting.

8. I am unable to login with the Password and allotted User-id, communicated to me by the Bank. Passwords are case sensitive. Kindly be a little more careful while typing the system-generated passwords for the first time. - The format of the mailer password sent to you by the bank is as under:     First Character Capital Alphabet     Second character Special character     Last 4 characters Digits Keeping the above format in mind please try to login again - It is also possible that your Internet Banking account has not been activated. Please attempt logging in after 24 hours of receiving the password. If    the problem persists please get in touch with the branch.

9. I am not able to open Internet Banking Page / I am getting a "Page cannot be displayed" page. Please check the cipher strength of your system. You may check cipher strength of your computer by clicking "About Internet Explorer" in the "Help" menu option of Internet Explorer. If it does not show cipher strength of 128-bit then please update the same by clicking "Update Information" button.

10. Does my passwords expire? Login password has no expiry period, however transaction password expires after 90 days. Please change the password before expiry of the same.

11. What happens if I forget my password? Nothing to worry, just click on "forgot password" at the login page and submit your request online by entering IBS key Number (Only for retail IBS users). In case, you don't have IBS Key, then please submit request at the Branch for resetting of the passwords. The passwords will be sent to the branch and same may be collected by submitting acknowledgment.

12. What is IBS Key? IBS Key is a 6 digit number introduced for identification and reference. Under this mechanism, Internet Banking Customer would have an option of creating IBS Key Number of his own choice on the Internet Banking , which he can use later to apply for duplicate password.

13. What happens if I forget my IBS Key? If you forget the IBS Key, you need to contact your branch and apply for the duplicate IBS password. Once you start using the service, you can again create a new IBS Key.

14. What happens if I forget my User-id for Internet Banking? If you forget the username/user-id for Internet Banking Services, kindly contact your base branch.

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