Net Banking

For our business clients, Bharat Bank offers a specialized Multi-User environment:

• Maker-Checker Workflow: Ensure security with a dual-authorization process for all high-value transactions.

• Bulk Payments: Upload files for automated salary disbursements or vendor payments.

• Trade Finance Integration: View the status of your Letters of Credit (LC) and Bank Guarantees (BG) directly within the dashboard.

1. Application: Download the Netbanking Registration Form from our 'Downloads' section or collect it from your base branch.

2. Submission: Submit the duly signed form at any Bharat Bank branch.

3. Activation: Once processed, your User ID and Sign-on Password will be sent to your registered mobile number and email.

4. First Login: Visit the official portal, enter your credentials, and you will be prompted to set a new, secure password and select security questions.

• Two-Factor Authentication (2FA): Every transaction is secured with a mandatory One-Time Password (OTP) sent to your registered mobile.

• Virtual Keyboard: Use the on-screen keyboard to protect your credentials from keyloggers.

• Session Timeout: Automatic logout after 5 minutes of inactivity to prevent unauthorized access.

• Nexus TruID: Integrated support for high-security digital tokens for corporate users.

Our Netbanking facility is available to a wide range of customers to ensure digital empowerment for everyone:

• Individuals: Single or Joint account holders (Resident and NRI).

• Minors: Above 10 years of age who can sign uniformly (operated singly or by a guardian).

• Non-Individuals: Sole Proprietorships, Partnership Firms, LLPs, Private/Public Ltd Companies.

• Other Entities: Societies, Trusts, and Associations of Persons (AOPs).

Note: Corporate and Retail CIFs (Customer IDs) cannot be linked to a single Netbanking user ID.

To activate your digital access, please submit the following at your home branch:

1. Netbanking Registration Form: Duly filled and signed by all account holders.

2. Identity Proof: Self-attested copy of PAN Card (Mandatory for fund transfers).

3. Entity Documents (For Corporates): Board Resolution or Partnership Authorization letter specifying the authorized "Makers" and "Checkers."

4. Mobile Number/Email: Ensure these are updated in the bank's records, as they are used for OTP and login credentials.

Bharat Bank promotes a "Digital First" approach by offering zero-fee transfers on most electronic channels.

• How do I get my User ID and Password?
  Once your application is processed at the branch, your User ID and a temporary Sign-on Password will be sent to your registered mobile number/email. You must change these upon your first login.
• I forgot my Password. How can I reset it?
  You can use the "Forgot Password" link on the login page. You will need your Customer ID, Debit Card details, and the OTP sent to your registered mobile.
• What is my "Customer ID"?
  Your Customer ID is a unique number printed on the first page of your Passbook and on your Cheque Book leaves.
• What are the daily transaction limits?
  • IMPS: Up to ₹5,00,000 per day.
  • NEFT/RTGS: Up to ₹10,00,000 per day (Default limit).
  • Overall Daily Limit: ₹10,00,000 (Can be increased upon request at the branch).
• How long does "Payee Approval" take?
  Payees created between 8:00 AM and 7:45 PM are usually approved within 45 minutes. Those created after 7:45 PM are approved by 8:30 AM the next working day.

• Verify the URL: Always ensure the address starts with https://connect.bharatbank.bank.in.

• Don't Share OTP: Bharat Bank staff will never ask for your OTP, Password, or PIN over the phone or email.

• Logout Properly: Do not just close the browser; always click the "Logout" button to end your session securely.

• Use Virtual Keyboard: Use the on-screen keyboard at public or shared terminals to prevent key-logging.