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FAQs
 
ATM
 
  What is an Automated Teller Machine (ATM)?

Automated Teller Machine is a computerized machine that provides the customers of banks the facility of accessing their accounts for dispensing cash and to carry out other financial transactions without the need of actually visiting a bank branch.
 
  What type of cards can be used at an ATM?

The ATM cards / debit cards, credit cards and prepaid cards (that permit cash withdrawal) can be used at ATMs for various transactions
 
  What are the services / facilities available at ATMs?

In addition to cash dispensing ATMs may have many services / facilities such as:
  • Account Information
  • Cash Deposit
  • Regular bills payment
  • Purchases of Re-load Vouchers for Mobiles
  • Mini/Short statement
  • Loan account enquiry etc

The services offered may vary from bank to bank, or may depend on the capacity of the machine to provide such services.

 
  How can one transact at an ATM?

For transacting at an ATM, the customer insert (swipe) their card in the ATM and enter their Personal Identification Number (PIN).
 
 Can these cards be used at any bank ATM in the country?

Yes. The cards issued by Banks in India should be enable for use at any bank ATM within India
 
  What is a Personal Identification Number (PIN)?


PIN is the numeric password for use at the ATM. The PIN is separately mailed / handed over to the customer by the Bank while issuing the card. This PIN has to be reset to a new PIN by the customer. Most Banks force the customers to change the PIN on the first use.

The PIN number should not be written on the card, card-holder etc. as in such cases the card can be misused if card is lost / stolen.

 
  What should one do if he forgets PIN or the card is sucked in by the ATM?

The customer may contact the card issuing bank branch and apply for retrieval / issuance of a new card. This procedure is applicable even if the card is sucked in at another bank’s ATM.
 
  What should be done if the card is lost / stolen?

The customer may contact the card issuing bank immediately on noticing the loss so as to enable the bank to block such cards.
 
  Is there any minimum and maximum cash withdrawal limit per day?


Yes. Banks set limit for cash withdrawal by customers. The cash withdrawal limit for use at the ATM of the issuing bank is set by the bank during the issuance of the card. This limit is displayed at the respective ATM locations and also in user guide provided to the customer.

For cash withdrawal at other bank ATMs, banks have decided to maintain a limit of Rs.10000/- per transaction. This information is displayed at the ATM location.

 
  Do Banks levy any service charge for use of other Bank ATMs?

No charges are payable for using other Banks’ ATM for cash withdrawal and balance enquiry, as RBI has made it free under its “Free ATM access policy” since April 01, 2009. But banks can restrict the number of such free transactions to a maximum of five per month. For transactions beyond this minimum number of transaction, banks charge maximum of Rs. 20/- per transaction.
 
  What should be done in case during the cash withdrawal process, cash is not disbursed but the account debited for the amount?

The customer may lodge a complaint with the card issuing bank. This process is applicable even if the transaction was carried out at another bank’s ATM.
 
  How many days maximum would the bank require to re-credit the account for such wrong debits?

As per the RBI instructions, banks may re-credit such wrongly debited amounts within a maximum period of -12- working days.

 
  Are the customers eligible for compensation for delays beyond -12- working days?

Yes. Effective from July 17, 2009, banks shall have to pay customers Rs.100/- per day for delays beyond -12- working days. This shall have to be credited tothe account of the customer without any claim being made by the customer

 
  In case the compensation is not credited as mandated, what recourse does the customer have?

For all such complaints customer may lodge a complaint with the local Banking Ombudsman if the bank does not respond.
 
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News & Events

Waiver of processing charges in Housing Loans, Car Loans, Two wheeler loans, Consumer durables, Clean Loans for the festive season from 25.09.2014 to 31.12.2014

The existing customer grievance redressal mechanism would also cover the complaints relating to outsourcing

Use your Visa Debit Card for shopping in POS/Online within 3 months of card issuance & get 5% Cash back. Offer applicable to cards issued after December 2013,T&C Apply

AS A PART OF RISK MITIGATION MEASURE, DEBIT CARDS ISSUED AFTER 30-11-2013 ARE ENABLED FOR DOMESTIC TXNS ONLY. FOR FURTHER DETAILS PLEASE CONTACT OUR BRANCH.

You can now donate to Shri Saibaba Sansthan Trust, Shirdi through IMPS-Mobile Banking.

Presentation to Analysts

Our Total Income during 12M of FY’12-13 increased to Rs. 13,957 Crore, recording a growth of 14.4%.

Form 15G/15H has to be submitted afresh at the beginning of each financial year to avail exemption/concession in TDS. Quoting of PAN is mandatory for availing such exemptions/concessions.

All our Banks’ cheques are “payable at par henceforth. We request all our customers to surrender their old cheque books at their account branch and obtain CTS 2010 Standard Cheque books immediately.

We request all our customers who have issued postdated cheques for repayment of loan installments for loans availed by them to replace the old PDCs with new CTS 2010 Standard cheques.

Online Grievance Redressal System with Tracking

Online Applications for MSME and Retail Loans

Online Donations to charitable institutions through net banking

Online resetting of Internet Banking Login Password

Interbank transfer of Funds through Mobile Banking using IFSC code

As per RBI mandate, cash retraction facility is discontinued from our ATMs. Do not forget to collect cash before leaving ATM room.

Any customer could walk in to deposit money in any branch of the bank if the account is in any other branch of the bank to which he wants to deposit the money and there will be no charges on this for any amount

Fictitious Offers of Cheap funds from abroad - Awareness Campaign - List of Nodal Agency (Cyber Crime Cell / Economic Offence Wing)

Complain to Local Police/Cyber Crime Authorities against Fictitious Offers of Money from Abroad

PPF and SCSS schemes

Do Not fall Prey to Fictitious Offers of Funds Transfer

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