Finance Support

Banking Knowledge Base

Q1. How do I open a new savings account?

Visit our website or nearest branch with a valid ID, PAN card, and address proof. Complete KYC and make the minimum deposit. Digital account opening via the app is also available.

Q2. What documents are required for a loan application?

ID proof, PAN card, salary slips or ITR, bank statements, and address proof are required. Additional documents depend on loan type.

Q3. Why is my net banking account locked?

Accounts are locked after multiple incorrect login attempts. Reset via 'Forgot Password' or visit a branch.

Q4. How do I dispute a transaction?

Go to 'Transactions', select the transaction, and raise a dispute. Resolution takes up to 45 days.

Q5. What is the current interest rate for fixed deposits?

Rates vary by tenure. Senior citizens get extra interest. Check the latest rates online.

Q6. How do I set up auto-pay for my credit card?

Go to 'Cards' > 'Auto Pay', select account and payment option, and confirm.

Q7. What should I do if my card is lost or stolen?

Block your card immediately via app or helpline. Apply for a replacement card.

Q8. How do I increase my credit card limit?

Request via net banking under 'Credit Limit Enhancement'. Approval depends on credit profile.

Q9. What is KYC and how do I complete it?

KYC verifies identity. Submit Aadhaar, PAN, and photo via app or branch.

Q10. How do I check my loan EMI details?

Go to 'Loans' > 'EMI Schedule' to view EMI and outstanding details.

Q11. Why was my account debited without my knowledge?

Check transactions for EMIs or charges. Raise a dispute if unauthorized.

Q12. How do I close a fixed deposit prematurely?

Go to 'Deposits' > 'Premature Closure'. A penalty may apply.

Q13. How do I update my mobile number?

Visit a branch with ID proof or update via app if available.

Q14. What is the process for credit card balance transfer?

Use 'Balance Transfer' option and select tenure. Charges may apply.

Q15. How long do NEFT/RTGS transfers take?

NEFT: batch-based. RTGS: real-time. IMPS: instant.

Q16. What happens if I miss a loan EMI?

Penalty applies and credit score is affected. Contact bank immediately.

Q17. How do I add a beneficiary?

Go to 'Fund Transfer' > 'Add Beneficiary'. Activation takes 30 minutes.

Q18. Can I get a credit card with low credit score?

Yes, via secured card against FD.

Q19. What is grievance redressal process?

Raise complaint via bank. Escalate to RBI Ombudsman if unresolved.

Q20. How do I enable UPI?

Download UPI app, link account, verify, and set PIN.

Q21. How is credit score calculated?

Based on payment history, utilization, credit mix, and inquiries.

Q22. What are international ATM charges?

₹150–300 per withdrawal plus forex markup.

Q23. How do I convert a transaction to EMI?

Use 'Convert to EMI' option in app or net banking.

Q24. What if UPI fails but money is debited?

Auto-reversal within 48–72 hours or raise complaint.

Q25. How do I get a tax certificate for FD?

Download from 'Deposits' > 'Interest Certificate'.

Q26. What is minimum balance requirement?

Varies by account type. Charges apply if not maintained.

Q27. How do I activate debit card?

Activate via ATM, net banking, or IVR.

Q28. What is home loan prepayment process?

Use 'Prepayment' option in net banking. Charges depend on loan type.

Q29. How do I change net banking password?

Go to 'Settings' > 'Change Password'.

Q30. What is FEMA compliance for remittances?

Submit Form A2 and documents for foreign transfers.