India
Post started Internet Banking in selected locations in continuation of
migration to the CBS FINACLE, Core Banking Solution from Infosys. In
Tamil Nadu Circle Greams Road Post Office of Chennai City Central
Division has been rolled out for CBS on 16.12.2013 for the first time
and all other identified offices in pilot Circles will be migrated in
coming days. The India Post Internet banking site can be accessed
through URL https://ebanking.indiapost.gov.in/
Following facilities are available for DOP e banking portal user:
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My Profile:
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1. Change 'Sign-on' and Transaction Password.
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2. Set Preferences.
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3. Update channel id.
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4. View personnel details.
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Accounts:
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1. Accounts Summary.
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2. Savings accounts details.
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3. RD account details.
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4. PPF accounts details.
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5. TD accounts details.
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6. NSC Account details.
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7. Loan on RD details.
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8. Loan on PPF details.
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9. Tax deducted at source details.
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Transactions:
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1. Manage Payee.
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2. Manage Billers.
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3. Initiate funds Transfer with in DOP.
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4. Funds transfer outside DOP.
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5. PPF account withdrawal.
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6. View scheduled transactions.
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7. Pay PPF Account/Repay Loan on PPF.
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8. View recurring instructions.
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9. Pay RD account.
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10. View All Transactions.
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11. Repay Loan on RD.
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General Services:
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1. Mails.
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2. Inquiry Facility.
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3. Service Requests.
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Terms and Conditions
1. Definitions:
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In these Terms of Service (Terms & Conditions), unless the context
indicates otherwise, the following words and phrases shall have the
meanings indicated against them:
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♦ The
Department of Posts comes under the Ministry of Communications and
Information Technology. The Postal Service Board, the apex management
body of the Department, comprises the Chairman and six Members. The six
members of the Board hold portfolios of Personnel, Operations, Technology, Postal Life Insurance, Human Resources Development, Planning respectively.
The Joint Secretary and Financial Advisor to the Department is a
permanent invitee to the Board. The Board is assisted by a senior staff
officer of the Directorate as Secretary to the Board. Deputy Directors
General, Directors and Assistant Directors General provide the necessary
functional support for the Board at the Headquarters.
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♦ DoP refers to Department of Posts.
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♦ Internet
Banking Services are one of the services offered by Department of Posts
which provide access to account information, products and other
services (including Transaction of financial and non-financial in
nature) as advised by the Department from time to time to the customers
through the internet banking website.
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♦ User refers to a customer of Department of Posts who is authorized to use Internet Banking Services.
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♦ Confidential
Information refers to the information obtained by the customer through
the Department of Posts for availing various services through e-Banking.
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♦ Personal
Information refers to the information about the User obtained by the
Department of Posts in connection with the Internet Banking Service.
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♦ Account
refers to the User's Savings and/or RD and/or or any other type of
account so designated by the Department of Posts to be eligible
account(s) for the operations through the use of Internet Banking.
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♦ In
the event of new accounts opened by the User under the same CIF in
future, then the Terms of Service (Terms & Conditions) shall
automatically apply to such further use of the Internet Banking by the
User.
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♦ In
case of accounts opened for and on behalf of minors, the Internet
Banking facility shall not be made available to the minor. The natural
guardian of the minor shall be permitted to use Internet banking with
only 'Limited Transaction'rights. The natural guardian shall
undertake to give all instructions relating to the operation of the
account and further undertake not to reveal the User ID and Password to
the minor, which if done so, will be at the risk and consequences of the
guardian and Department of Posts shall not be liable for any loss on
that account in case the account is operated by the minor. In such an
event the transaction will be deemed to have been undertaken by the
guardian.
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♦ Third
party product refers to any product and/or service of third party which
is offered by or through the intermediary of Department of Posts.
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♦ Customer
refers to Customer named in the Application Form and shall, where the
context requires, include any authorized representative of the Customer.
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♦ Internet
Banking Services refers to a service offered by Department of Posts
through which a registered Customer may conduct enquiries or perform
transactions on the Internet banking website https://ebanking.indiapost.gov.in/
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♦ SMS
Password refers to one time 8 digit pass code that would be sent to a
customer's mobile number registered on the record of Department of
Posts.
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♦ Instruction
means any request or instruction that is received from the customer by
the Department of Posts through Internet Banking services.
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2. Applicability of Terms & Conditions:
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These Terms mentioned herein form the contract between the User using
the Internet Banking services and Department of Posts. By applying for
Internet Banking Services and accessing the service, the User
acknowledges and accepts these Terms of Service (Terms &
Conditions). Any conditions relating to the accounts of customer other
than these Terms will continue to apply except that in the event of any
conflict between these Terms and the account conditions, these Terms
will continue to prevail. The agreement shall remain valid until it is
replaced by another agreement or terminated by either party or account
is closed, whichever is earlier.
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3. Application of Internet Banking Services:
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Department of Posts may offer Internet Banking services to selected
customers at its discretion and has the right to accept or reject such
application as may be submitted by the users. The Customer acknowledges
that he/she possesses knowledge of the Internet usage and will have
legal access to the Internet. Customers willing to utilize the e-Banking
services may approach the Post Office, where their account is
maintained or willing to open their account, in person for registering
themselves. Department of Posts will advise from time to time regarding
the Internet software such as Browsers, which are required for using
Internet Banking services. There will be no obligation on the part of
the DoP to support all the versions of this Internet software.
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4. Internet Banking:
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The information provided to the user through the Internet Banking is
not updated continuously but at regular intervals. Consequently, any
information supplied to the user through Internet Banking will pertain
to the date and time when it was last updated and not as the date and
time when it is supplied to the user. Department of Posts shall not be
liable for any loss that the user may suffer by relying on or acting on
such information. Department of Posts may keep its records of the
transactions in any form it wishes. In the event of any dispute, the DoP
records shall be binding as the conclusive evidence of the transactions
carried out through Internet Banking in the absence of clear proof that
the DoP's records are erroneous or incomplete. Any request for any
service, which is offered as a part of Internet Banking, shall be
binding on the user as and when the DoP receives such a request. If any
request for a service is such that it cannot be given effect to unless
it is followed up by requisite documentation on part of the user, the
Department of Posts shall not be required to act on the request until it
receives such documentation from the user. The USER understands that
the DoP shall be bound by any circulars and directives issued by the
Ministry of Finance/Reserve Bank of India with regard to the maintenance
and operation of deposit accounts from time to time. The USER
acknowledges and undertakes to be equally bound to comply therewith. The
USER also hereby absolves and holds blameless the Department of Posts
from any claim or damages in respect of any delay on the part of the DoP
in carrying out any instructions given by the USER over the internet,
where such delay is on account of technological failure, or other
reasons beyond the control of the Department of Posts. In cases of
technological failure, DoP shall endeavour to keep the downtime to the
minimum.
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5. Un-authorized Access:
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The user shall take all necessary precautions to prevent unauthorized
and illegal use of Internet Banking and unauthorized access to the
Accounts provided by Department of Posts e-Banking services. DoP shall
take all commercially reasonable care to, ensure the security of and to
prevent unauthorised access to the Internet Banking using commercially
reasonable technology available in India to the Department of Posts. The
USER shall also be responsible for maintenance of the secrecy of the
personal details of the ACCOUNTS at all times. If the USER fails to keep
secret such personal details of the ACCOUNT, then, the Department of
Posts shall stand absolved of all obligations under this AGREEMENT. The
user shall ensure that e-Banking service offered by DoP or any related
service is not used for any purpose which is illegal, improper or which
is not authorised under these Terms. If any USER has any reason to
believe that there is any unauthorized access of his or her ACCOUNT, the
USER shall immediately intimate the DoP at the Post Office branch. The
USER understands and recognizes that in matters of unauthorized access,
time is of the essence, for speedy detection and prevention. Therefore,
any failure on the part of the USER to speedily notify DoP, shall
absolve the DoP of any further responsibility with respect to such
unauthorized access.
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6. Internet Banking access and Passwords:
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The user would be allotted an Internet Banking user-id and user
password & transaction password by Department of Posts in the first
instance. The user will be required to change the password assigned on
accessing Internet Banking for the first time. As a safety measure, the
user shall change the password as frequently thereafter. In addition to
user-id and password DoP may, the user may setup PAM (Personal Access
Message) during the first time login. This message will be displayed
during the user password entry screen to show the authenticity of the
Internet banking site.
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7. Joint Accounts:
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The user desirous of using the POSB account should be either the
account holder Or sole signatory or authorized to act independently in
case of a joint account. For such joint account, one user-ID and
password will be issued to each of the joint account holders when
requested. The other joint account holders shall expressly agree with
the arrangement and give their consent on the application form for use
of the account. In case of joint accounts operated by more than one
user, Department of Posts shall act on the instruction received first
and any subsequent instruction shall be neglected. All correspondence
will be addressed to the first named person only. All transactions
arising from the use of the Internet Banking services in the joint
account shall be binding on all the joint account holders, jointly and
severally.
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8. Service Charges:
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Department of Posts reserves the right to charge and recover from the
user service charges for providing the e-Banking services. Services
charges may be changed periodically by the department. The user hereby
authorizes Department of Posts to recover the service charges by
debiting one of the Savings accounts of the user or by sending a bill to
the user who will be liable to make the payment within the specified
period. Failure to do so shall result in recovery of the service charges
by department in a manner as the DoP may deem fit along with such
interest, if any, and/or suspension of the facility of e-Banking
services without any liability to the department.
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9. Minimum Balance maintenance and Charges:
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The USER shall maintain, at all times such minimum balance in
account(s) as the Department of Posts may stipulate from time to time.
DoP may, at its discretion, levy penal charges for non-maintenance of
the minimum balance. In addition to the minimum balance stipulation, DoP
may levy service charges for use of Internet Banking, which will be
advised to the USER at the time of opening the account. Any further
change in the fees shall be notified on the DoP Web site. The USER
authorises DoP to recover all charges related to Internet Banking as
determined by DOp from time to time by debiting one of the USER's
accounts. However at present there are no charges levied. DoP may
withdraw the Internet banking facility, if at any time the amount of
deposit falls short of the required minimum as aforesaid and/or if the
service charges remain unpaid, without giving any further notice to the
USER and/or without incurring any liability or responsibility whatsoever
by reason of such withdrawal. DoP shall not be obligated to intimate
the withdrawal of such facility over the internet.
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10. Transfer of Funds through DoP Internet Banking:
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The User accepts that he will be responsible for keying in the correct
account number for the fund transfer request. In no case, DoP will be
held liable for any erroneous transactions incurred arising out of or
relating to the customer entering wrong account numbers. The User shall
not attempt to transfer funds without sufficient funds in the related
Account. In case of insufficient funds, DoP is not responsible for
non-execution /non-payment/breakage of Time deposit accounts of the
Accounts linked to the subject Account or of any consequences thereof.
DoP shall not be liable for any omission to make all or any of the
payments or for late payments due to circumstances beyond its reasonable
control. If the funds transfer is made available to the User, it may be
used for transfer of funds from the subject Account to other accounts
belonging to third parties maintained at DoP and/or at any other Bank
which falls under the network of the Reserve Bank of India's Electronic
Funds Transfer System. However RTGS/NEFT and other bank payments are not
available with DoP Internet banking as of now and it will be
established in the near future.
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11. Personal Information disclosure:
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The USER agrees that the Department of Posts or its vendors may hold
and process his PERSONAL INFORMATION on system or otherwise in
connection with Internet Banking services as well as for statistical
analysis and credit scoring. The USER also agrees that DoP may disclose,
in strict confidence, to other institutions, such "PERSONAL
INFORMATION" as may be reasonably necessary for reasons inclusive of,
but not limited to, the following:
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♦ Participation in any telecommunication or electronic clearing network.
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