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Date : Place: Shimoga From, Shyam S Bhat, P.G Dept of Management Studies & Research Centre, PESITM, Shimoga.

To, The Assistant General Manager, Karnataka Bank Regional Office, Savalanga Road, Shimoga .

Respected Sir, Subject: [ Changing the Topic Name ] As I am student of PESITM college. I was done my academic project in your bank for 10 weeks. Now I want to change my topic name as CREDIT APPRISAL SYSTEM to RETAIL LENDING SYSTEM . Because my project focuses more on RETAIL LENDING SYSTEM. So please accept my request and issue project certificate on retail lending system. I hope you will oblique my request.

Thanking You,

Yours Faithfully,

Internal Guide

(Shyam S Bhat)

(Ananda M B) Assistant Prof.

Features

Account Details: View your bank Account Details, Account Balance, Download Statements and more. Fund Transfer: Transfer fund to your Own Accounts, Other Axis Bank Accounts or Other Bank Accounts seamlessly. Tax Payments: Make all your tax payments by logging into Internet Banking and store your challans online. Salary Upload: Pay salaries as a bulk payment to all employees and you dont have to make individual payments. Dealer Debit: Get payments from all your vendors at bulk. Request Services: Give a request for Cheque book, Stop Cheque Payment etc. Investment Services: View your complete Portfolio with the bank, Apply for IPO etc.

Register now for Axis Bank Corporate Internet Banking service to avail all these services. New to online banking? View our Online Banking Demo to get acquainted with our platform. Net Secure - Our Internet Banking Security System We at Axis bank follow best-in-class online security practices in order to safeguard your information while you are banking online. We are constantly at task for preventing fraud and thereby making all your net banking transactions completely safe. NETSECURE is second factor authentication used by Axis Bank to provide a safe and secure net banking platform to all its transacting customers. All users who have the mandate from their organization to complete financial transactions online, need to register for NETSECURE 2-Factor Authentication (Netsecure) for Corporate Internet Banking It is mandatory to use 2-Factor authentication (NetSecure) for all financial transactions through Corporate Internet Banking. This will provide an additional security for all online transactions. To avail NETSECURE services, the mobile number and email id of all corporate internet banking users (including all enterers and approvers) needs to be registered with the bank. Please click here to download the registration form. This form needs to be filled and signed by the authorized signatories of your company and submitted to your home branch either in person or through your representative. NETSECURE

2 Factor Authentication is implemented in Axis Bank Corporate Internet Banking through one of the NETSECURE modes. NETSECURE is a secured system, wherein two different parameters (one that you already know, like login id and password and second, a single usage password that you will receive while conducting the transaction) are used together to verify your identity on the Internet. Using two factors as opposed to one factor (just the login id and password) ensures heightened security for your online transactions. It is mandatory to register for NETSECURE to transfer funds online. Once you are registered for NETSECURE, you will receive your NETSECURE Code - a single usage password, that will ensure double security for your online fund transfers. You can choose between three types of NETSECURE: NETSECURE with SMS (using your mobile phone), NETSECURE with WebPin (registration of a computer) or NETSECURE with 1-Touch (a small hardware device). This choice needs to be made when you register for NETSECURE online. How to Register & Use NETSECURE We at Axis bank follow best-in-class online security practices in order to safeguard your information while you are banking online. We are constantly at task for preventing fraud and thereby making all your net banking transactions completely safe.
NETSECURE with SMS

In NETSECURE with SMS, the NETSECURE Code (a single usage password) is sent to your mobile phone through SMS. Every time you do an online financial transaction you need to enter the NETSECURE Code to complete the transaction, after which the Code will expire. The SMS will also carry information such as the sender's account number; the recipient's account number and the transaction amount, so that you can verify the transaction details. The NETSECURE Code needs to be entered along with your transaction password to complete the transaction which is now doubly secure. How to Register: To register for NETSECURE with SMS, you must first ensure that your mobile number is registered with the Bank. If your mobile number is not yet registered for this mode, please Click here to download the registration form. Please fill the form along with the signatures of authorized signatories and visit your Axis Bank Branch to register your mobile number. Once you have ensured that your mobile number is registered with us, log in to Axis Bank Internet Banking after 15th January 2012 and choose "NETSECURE with SMS" option on the registration page and complete your registration by entering mobile number. To View demo for NETSECURE with SMS Click Here

NETSECURE with Webpin

To login using NETSECURE with WebPin, you need to register one or more of your frequently used computers. You can then use Axis Bank Internet Banking only from these registered computers. In addition, during registration, you will be prompted to set a WebPin. This WebPin will be used to generate the NETSECURE Code (a single usage password), which will be required to login to Axis Bank Internet Banking. With the WebPin authenticated login, your online transactions are safe and doubly secure. How to Register: To register for NETSECURE with Webpin, you must first ensure that your mobile number is registered with the Bank. If your mobile number is not yet registered for this mode, please Click here to download the registration form. Please fill the form along with the signatures of authorized signatories and visit your Axis Bank Branch to register your mobile number. Once you have ensured that your mobile number is registered with us, log in to Axis Bank Internet Banking after 15th January 2012 and choose "NETSECURE with WebPin" option on the registration page. How to activate: Once you are registered for "NETSECURE with WebPin", you are required to register your computer(s) for Axis Bank Internet Banking usage. To register your computer(s), login through the particular computer. On login, you will be prompted to activate NETSECURE and a 6-digit activation code would be sent through SMS to your registered mobile number. Enter the activation code and follow two simple steps to set a WebPin (Please remember this WebPin to login from this computer in future). This WebPin would be used to generate the NETSECURE Code on the virtual keyboard. Your computer registration is now complete. To View demo for NETSECURE with Webpin Click Here
NETSECURE with One Touch

NETSECURE 1-Touch is a small device that generates a unique NETSECURE Code (a single usage password) every time a button on it is pressed and held. This NETSECURE Code will have to be entered in addition to your login ID and password to login to Axis Bank Internet Banking. Every NETSECURE Code expires after 50 seconds and you have to generate a new code to login. How to Register: Login to Axis Bank Internet Banking and choose "NETSECURE with 1-Touch" option on the registration page. Your NETSECURE registration is now complete. 1-Touch device will be delivered at your home branch within 10 working days.

How to activate: When you login to Axis Bank Internet Banking for the first time after receiving the NETSECURE 1-touch device, you will be prompted to enter the serial number (printed on the back of the device) and the NETSECURE Code (generated by you, using the 1-Touch device) to activate it. This process needs to be done only once. Charges applicable for I- Touch device Rs 800 plus taxes per 1-Touch device Replacement charges - Rs 500 plus taxes per 1-Touch device internet Banking FAQs
Getting Started with Internet Banking Who is eligible for Axis Bank Internet Banking?

Axis Bank Internet Banking service is available to all Savings and Current account holders. In all cases, the customer/mandate holder should have the authority to operate the account with full permission. Please refer to the T&C while registering for Internet Banking.
What are the benefits of using Axis Bank Internet Banking?

Axis Bank Internet Banking provides you a host of benefits like:


View your Banking, Investments, Credit Card and Loan account details online Download bank account statements. View and book Fixed Deposit. Make online payments for utility bills and insurance premiums. Make payments at merchant websites for their products and services using Direct Debit service. Transfer money to your own accounts and to other third party bank accounts. Track status of issued cheques and of cheques that are in clearing. Issue stop payment instructions on issued cheques. Request for Cheque Book, Demand Draft and more. Update your profile and contact details

How does it help to register for Internet Banking? / Why should I register for Internet banking?

Axis Bank Internet Banking is a convenient & faster way to access your account & manage your day to day banking transactions anytime, anywhere, 24X7 at your own comfort. Now you don't have to visit the branch all the time & wait in long queues. Axis Bank's Internet Banking service is secure; our service gives you peace of mind. Internet Banking is Real Time, giving you up-to-the-second details on your account.

Can I have only one User ID for all Axis Bank relationships?

Yes, you can use the same login id for all Axis Bank relationships. You can view all your account details including loan account, fixed deposits and Demat account. You can also view your credit card details and mutual fund investments. For a detailed list of services please click here.
What all services can I use on Internet Banking?

Axis Bank Internet Banking gives you the convenience to access your account - anytime, anywhere, 24X7 - at your own comfort. You can manage your entire daily to day transactions online like view statements, order cheque book, do fund transfers, make a DD, pay your bills & even shop online. Services:

Account Details: View your bank account details, account balance, download statements and more. Also view your Demat, Loan & Credit Card Account Details too all in one place. Fund Transfer: Transfer fund to your own accounts, other Axis Bank accounts or Other Bank account seamlessly. Request Services: Give a request for Cheque book, Demand Draft, Stop Cheque Payment, Debit Card Loyalty point Redemption etc. Investment Services: View your complete Portfolio with the bank, Create Fixed Deposit, Apply for IPO etc. Value Added Services: Pay Utility bills for more than 160 billers, Recharge Mobile, Create Virtual Cards, Pay any Visa Credit Card bills, Register for estatement and sms banking, View your Tax Credit Details etc.

What are the different type of modes available to access Axis Bank Internet Banking?

You can opt for one of the following modes to access internet banking:

Inquiry Only (View only) - In this mode, you get access to check your account details & view you statements Fund Transfer with Net Secure - You get the facility to transact online & transfer funds.

For detailed services and facilities available under each mode please refer the table below:
Sr. No. 1 2 3 4 5 6 7 8 Internet Banking Services Availability View Account Details/Balance Edit Personal Profile Details Download Account Statement Stop Cheque Payment Request for a Cheque book View Credit Card Details Redeem Debit Card loyalty points View Demat Account Details View your Portfolio Summary/Snapshot View your Loan A/C Details Mail Facility Register for e-statement Register for SMS Banking Transfer Fund to Own Axis Bank Account Transfer Fund to Other Axis Bank Account Inquiry only with Passwords Yes Yes Yes Yes Yes Yes Yes Yes Fund Transfer with Netsecure (2nd factor authentication) Yes Yes Yes Yes Yes Yes Yes Yes

Yes

Yes

10 11 12 13

Yes Yes Yes Yes

Yes Yes Yes Yes

14

No

Yes

15

No

Yes

16

Transfer Fund to Other Bank Account Transfer Fund to Visa Credit Card Recharge Mobile Request for Demand Draft Create Fixed Deposit Apply for IPO Online Pay Credit Card Bills Pay utility Bills

No

Yes

17 18 19 20 21 22 23

No No No No No No No

Yes Yes Yes Yes Yes Yes Yes

24

Shop online and pay using Axis Bank No Internet Banking

Yes

Registration Process for Internet Banking How do I register for Internet Banking?

The steps involved in registering for Internet Banking are described below:

If you do not have username and password (Not registered for Internet banking): o Download the 'Axis Bank Internet Banking' form (Its also available at your nearest branch). o Fill your account details. o Read the instructions overleaf before signing. o The form must be signed by all account holders. o Submit the form to any of our branch offices o While submitting the form at the branch, register your mobile number for Internet Banking (Netsecure, which is a 2nd factor authentication and ensures that you enjoy an additional security layer for all your important online transactions like fund transfer, bill payment, mobile recharge etc). o You can also register your mobile number for Internet Banking by visiting your nearest Axis Bank ATM. Click here to view further details. o Axis Bank shall send you the passwords by mail. o Post receiving the passwords log in to Internet Banking. o You will see a message asking you to register for Netsecure (2nd factor authentication). Click there to register for Netsecure. (View Demo)

Choose the mode of Netsecure you want to opt for. Enter your mobile number and Submit. (Please enter the same mobile number that you have registered earlier for Internet Banking). o Your registration is now complete. o Start transacting and enjoy all services of Axis Bank Internet Banking. If you have username and password but you do not enjoy all the services like fund transfer, mobile recharge, bill payment etc. Log on to Internet Banking.

o o

If you see a message stating that your access to Internet Banking is currently a View Only access and asking you to register for fund transfer then follow the steps below:
Visit your nearest Axis Bank ATM and register your mobile number for Axis Bank Internet Banking (Netsecure). Click here to view further details. o Re-login to Internet Banking. o You will see a message asking you to register for Netsecure (2nd factor authentication). Click there to register for Netsecure. (View Demo) o Choose the mode of Netsecure you want to opt for. o Enter your mobile number and Submit. (Please enter the same mobile number that you have registered earlier). o Your registration is now complete. o Start transacting and enjoy all services of Axis Bank Internet Banking. If you see a message asking you to register for Netsecure (2nd factor authentication) then follow the steps below: o Click on register for Netsecure on the post login page. (View Demo) o Choose the mode you want to opt. o Enter your mobile number and Submit. o Your registration is now complete. o In case while entering the mobile no. you get the message "Mobile no. not registered or does not match" then register your mobile number for Internet Banking by visiting your nearest Axis Bank ATM. Click here to view further details. o Your registration is now complete. o Start transacting and enjoy all services of Axis Bank Internet Banking.
o

How do I register my Mobile Number for Internet Banking at an ATM?


Visit your nearest Axis Bank ATM Select Registrations Select Netsecure Enter your mobile number and confirm it. You will get a sms confirming your registration. Alternatively you can also visit our nearest branch and register your mobile number for Internet Banking (Netsecure)

What do I do if I forget my password?

You can generate both your login and transaction password online in case you have forgotten it. You will need your 16 digit ATM/Debit Card Number and ATM PIN. Also you should have activated your ATM / Debit Card by using it at an Axis Bank ATM at least once. Click here to generate your password online.
Login Related What is required for accessing the account on the internet?

To login, you need the log-in id which is usually the 9-digit Customer ID (mentioned on the welcome letter and printed on your cheque book), along with the login password sent by Axis Bank. Some of you might have a personlized login id.
What is a Customer ID?

A Customer ID is a 9-digit number which uniquely identifies your relationship with Axis Bank. Your customer id is also usually your login id for Internet Banking. Please mention this ID in all your communication with Axis Bank.
How do I get my Customer ID?

Your Customer ID is mentioned on the welcome letter & cheque book that is mailed to you post your account opening.
Why are the different passwords and validations to login and transact?

There are three kinds of details used to login and validate transactions on Internet Banking:

Login password - The "Login Password" is used for logging in and allows you to view your account details. Your login id is your customer id. Transaction Password - "Transaction Password" is required for carrying out financial transactions like bill payment, fund transfers, mobile recharge etc. Netsecure code - Netsecure is an additional security feature added to have a 2nd factor authentication. Once you register for Netsecure, you can generate a one-time password through SMS, Web-pin or 1-touch Device. This makes your banking transactions safer & free from frauds.

What is Netsecure & How to register for Net Secure?

Netsecure is an additional security feature added to have a 2nd factor authentication. Once you register for Netsecure, while transacting you will receive/generate a one-time password through SMS, Web Pin or One touch Device. This makes your banking transaction safer & free from frauds.

Registration for Netsecure


Post logging to internet banking, click on register for Netsecure link. You can choose from three options- SMS, Web Pin or One touch Device. (One touch Device is chargeable at Rs. 800) Choose the mode you want to opt. You will receive the password through that mode. Click here to View demo. Enter your mobile number and Submit. (Please enter the same mobile number that you have registered earlier for Internet Banking). In case your mobile number does not match with the one in records, you will get a message "mobile number not as per records". To register your mobile number, please visit your nearest ATM / Branch. Click here to know more.

What is the policy on creating passwords?


The password cannot consist of all the characters as are in your Username. For e.g.If your Username is "Bob", then your password cannot be "Bobby". Password should mandatorily contain both digits and letters . Spaces are not allowed in between Password. The Password should contain a minimum of 6 characters and a maximum of 28 characters Your new password cannot be the same as any of your previous 5 password(s)

Why do my passwords get locked and what should I do?

Five consecutive unsuccessful attempts at providing your password will lock the password. This is applicable for both your Login id and Transaction passwords. After locking your password, in case you remember it, you can logon to your account the next day.
What if I forget my Internet Banking password? How do I obtain it?

To generate a new password online, you will need your 16 digit ATM/Debit Card Number and ATM PIN. (New account holders should have activated their ATM / Debit Card by using it at an Axis Bank ATM at least once.) Click here to generate your password online. You can also give a request for duplicate password by visiting your nearest Axis bank branch.
If I do not use my account for a long period of time, will it work if I try to login?

As a security measure & risk assement of your Axis Bank account, we might sometimes deactivate your access to Internet Banking. This is to deter any fraudulent attempts to access your Axis Bank Internet Banking account. Please visit our nearest branch to reactivate the same. To get branch details click here

I am unable to login into Internet Banking? What do I do?

It might be due to one of the following reasons:

Incorrect login ID or password: Recheck your login ID and password. Please note that passwords are case sensitive. In case you have forgotten your password click on "Forgot Password" link on the login page to generate your password online. If you want to generate your password now, please click here. Disabled login ID: In case of 5 incorrect password entries, the system disables your Internet Banking ID for the calendar day. It will be enabled the next calendar day. First time user: Visit your nearest Axis Bank branch to register for internet banking Browser Issues: Axis Bank Internet Banking is best accessed using Internet Explorer 6 and above, with a screen resolution 1024 by 768 pixels.

Why do I get the "Application Security Error"?


If you get an "Application Security Error" it could have been caused due to the following reasons: You used the Back / Forward / Refresh button of your browser. You clicked twice on any options/buttons. There was no activity in the browser window for a long time. You logged in from another browser window.

You tried to access the online banking page from a saved or static page.
Service Requests Which service requests can I make through Axis Bank Internet Banking?

The following service requests can be made online:

Request for a cheque book: The cheque book will be mailed to your mailing address registered with Axis Bank. Charges as indicated in respective Schedule of Charges will be recovered from your account. Order a demand draft: The demand draft will be dispatched to your mailing address within 2 working days. Book fixed deposits: You create fixed deposits online upto a maximum limit of Rs 5,00,000. The fixed deposit account will be visible on Internet Banking after 4 working days. The FD certifcate will be mailed to your address for communication Stop Payment Request:You can make stop payment for a cheque / multiple cheques. The process is real time and instant.

Security & Safe Banking

Is it safe to use Internet Banking? What is the level of security provided by Axis Bank Internet Banking?

We provide multiple layers of protection to secure your online banking experience:


128-bit encryption to keep your transaction safe. Two levels of passwords (Login and Transaction) to provide enhanced security to all your transactions. Second factor authentication in the form of Netsecure code for all financial transactions.

What is encryption and why is it used?

Encryption is a method of scrambling information for transmission to prevent unauthorized parties from reading the information. Secure Sockets Layer (SSL) is the industry standard for encrypted communication and ensures that customer's interaction with Axis Bank over the Internet is secure. At Axis Bank we use 128-bit digital certificate from VeriSign for encryption of the SSL session.This encryption of data provides a strong degree of protection against tampering while data is moving through the Internet
What are Phishing attacks? How do I report such attacks?

'Phishing attacks'are attempts to acquire sensitive customer information such as usernames, passwords and credit card details by via e-mail using forged company e-mail sender addresses. These attacks use forged e-mail addresses of companies known to and trusted by the customer. The customer is asked to provide confidential account access information either by e-mail reply or through a link leading to a forged website. The information then may be misused without the customer's knowledge. Please note Axis Bank will never ask for your personal details or sensitive/confidential information (such as your account number, debit card number, ATM PIN or Online Banking passwords) through an email. Nor would the Bank ask for your password through any other means, phone, fax or in-persons. If any of our bank personnel asks you for your password, do not disclose it and report him or her immediately to us. In case you suspect an email claiming to be from Axis Bank is fraudulent, please report it to the Bank immediately at customer.service@axisbank.com
What general precautions should I take to protect my account on the internet?

To protect your account from fraud please take care of the following:

Keep your password top secret and change them often - Changing passwords often helps in protecting your account even if inadvertently you may have disclosed it to someone. Make your password difficult to crack - When you create your password, make it at least 6 characters long. Include at least one capital letter, one numerals (0-9) and one special character (like @, #, $, etc). This makes the password very difficult to crack.

Avoid using cyber cafes to access your internet banking accounts - PCs at cyber cafes may be infested with viruses and Trojans that can capture and transmit your personal data to fraudsters. The easiest way to grab information is key logging software, which record all the keystrokes you typed, to be retrieved later for fraudulent usage. Beware of typing passwords on unknown PCs. Keep your computer secure - Some phishing emails or other spam may contain software that can record information on your Internet activities (spyware) or open a 'backdoor' to allow hackers access to your computer (Trojans). Installing anti-virus software and keeping it up to date will help detect and disable malicious software, while using anti-spam software will stop phishing emails from reaching you. It is also important, particularly for users with a broadband connection, to install a firewall. This will help keep the information on your computer secure while blocking communication from unwanted sources. Make sure you keep up- to-date and download the latest security patches for your browser. If you don't have any patches installed, visit your browser's website, for example users of Internet Explorer should go to the Microsoft website. Check the website you are visiting is secure - Before submitting your bank details or other sensitive information there are a couple of checks you can do to help ensure the site uses encryption to protect your personal data: o If the address bar is visible, the URL should start with 'https://' ('s' for secured) rather that the usual 'http://'. o If the address bar is not visible as in our Internet Banking website, look for a lock icon on the browser's status bar. You can check the level of encryption, expressed in bits, by hovering over the icon with your cursor. Validate the SSL Certificate - If you are in any doubt, click on the lock icon at the bottom of the secured page. This opens up a new window, displaying the SSL certificate information. Ensure that there is no red cross mark preceding the title 'Certificate Information'. It should also be 'Issues to:https://www.axisbank.co.in You can get more information by clicking on the other tabs in the certificate window. Following the above steps would help you in protect yourself. However, please remember, fraudsters are always trying to stay a step ahead. To ensure that you remain protected at all times o Never let anyone know your PINS or passwords o Do not write them down o Do not use the same password for all your online accounts o Avoid opening or replying to spam emails, as this will give the sender confirmation they have reached a live address. Never respond to emails that request personal information - At Axis Bank, we would never ask for your personal details through an email. Nor would we ask for your password through any means, phone, fax or in-persons. If any of our bank personnel asks you for your password, do not disclose it and report him or her immediately to us. If you do not recognize an amount charged to you, please report the same in writing to Axis Bank immediately. . In case you suspect an email claiming to be from Axis Bank is fraudulent, please report it to the Bank immediately at ibrm@axisbank.com

Note that the fact that the website is using encryption doesn't necessarily mean that the website is legitimate. It only tells you that data is being sent in encrypted form.

What should I do if I suspect an unauthorized transaction in my account?

If you suspect that there has been an unauthorised transaction in your account, please report it to the Bank immediately at customer.service@axisbank.com

nternet Banking Terms & Conditions Definitions:


In this document the following words and phrases have the meaning set opposite them unless the context indicates otherwise Bank refers to Axis Bank Limited, a banking company incorporated in India under the Companies Act, 1956 and having its Registered Office at "TRISHUL", Third Floor, Opp. Samartheshwar Temple, Nr. Law Garden, Ellisbridge, Ahmedabad - 380 006, Gujarat, India, including any branch / office thereof. The term includes the successors and assigns of the Axis Bank Limited. Axis Bank Internet Banking is the Bank's Internet Service, offering the following facilities to the User: Balance enquiry, statement of account, request for issue of cheque book, view personal account information, details of holding / statement of demat accounts and other facilities as the Bank may decide to provide from time to time like transfer of funds between accounts. User refers to any person who has an account with the Bank and who has been authorised by the Bank to avail of Axis Bank Internet Banking. Account refers to the User's Savings and / or Current Account and / or Fixed Deposit and / or Cash Credit Account and / or Depository Account and / or any other type of account so designated by the Bank to be covered under the Axis Bank Internet Banking facility. Terms refer to terms and conditions for use of Axis Bank Internet Banking as detailed in this document.

Applicability of terms

These terms form the contract between the User and the Bank. By applying for Axis Bank Internet Banking and accessing the service the User acknowledges and accepts these terms. These terms will be in addition and not in derogation of the terms and conditions relating to any account of the User.

a) Application for Axis Bank Internet Banking:

Axis Bank Internet Banking will be available to the customers upon opening of savings account with the bank, without requiring completion of any formalities for activation of such service, provided the Primary Applicant's mobile no. is shared in section D (Address Details). The User would need to be a current legal Internet user or have access to the Internet and knowledge of how the Internet works. However, at any point of time the Bank may restrict Axis Bank Internet Banking facility to certain customers at its

discretion. An existing bank customer who is not registered for Internet Banking may fill up the registration form for Axis Bank Internet Banking and submit it at any of the Banks branches.Upon receipt of request in the Bank's prescribed form and subject to the satisfaction of the eligibility criteria notified by the Bank, from time to time, access shall be provided by the Bank at its discretion through Axis Bank Internet Banking. The User shall not attempt or permit others to attempt accessing the account information stored in the Bank's computers through any means other than Axis Bank Internet Banking. The User shall not attempt or permit others to attempt accessing the account information stored in the Bank?s computers which does not relate to his or its account and / or for illegal and improper purposes which, if done and proved so, will be liable for action under the appropriate law and withdrawal of the facility enjoyed. b) Instructions:

All instructions for operating the Axis Bank Internet Banking facility shall be given to the User by Internet in the manner indicated by the Bank. The User is also responsible for the accuracy and authenticity of the instructions so provided to the Bank and the same shall be considered to be sufficient to operate the Axis Bank Internet Banking facility. The Bank shall not be required to independently verify the instructions and the instruction once given is effective unless countermanded by further instructions, within a short span of time. The Bank shall have no liability if it does not or is unable to stop or prevent the implementation of the initial instructions. Where the Bank considers the instructions to be inconsistent or contradictory, it may seek clarification from the User or may act upon any instructions as it may think fit.

Software

The Bank will advise from time to time the Internet software such as browsers, which are required for using Axis Bank Internet Banking. There will be no obligation on the Bank to support all the versions of these Internet softwares. The User shall upgrade his software, hardware and the operating systems at his cost from time to time and the Bank shall be under no obligation to support the software, hardware, operating systems of the User and that the same shall be the sole responsibility of the User.

Joint Accounts

The User desirous of availing Axis Bank Internet Banking should either be the account holder and sole signatory or authorised to act independently in case of a joint account. For such joint accounts, 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 for. All correspondence will be addressed to the mailing address. All transactions arising from the use of Axis Bank Internet Banking in the joint accounts shall be binding on all the joint account holders, jointly and severally. The Bank shall in no way be liable for any loss / damage whatsoever that may be incurred or alleged to be incurred by the other joint holder in such an event.

Accounts in the names of minors

In case of accounts opened for and on behalf of minors, 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 the Bank shall not be liable for any loss on that account in case if the account is operated by the minor. In such an event the transaction will be deemed to have been undertaken by the guardian.

Security

The Bank shall take reasonable care to ensure the security of and prevent unauthorised access to the Axis Bank Internet Banking service using technology reasonably available to the Bank.

Password: The User accepts and unconditionally agrees to the following:


Upon approval of the accountholder's application, the customer will be allotted a Login ID and Password to access the Axis Bank Internet Banking facility. If the pin mailer reaches the customer in a tampered / damaged condition, the Bank will be forthwith contacted. On accessing Axis Bank Internet Banking for the first time, the User shall change the Password assigned by the Bank through the relevant option. The User is at liberty to change the Password as many number of times as possible at his risk and consequences. The User will be solely responsible for maintaining secrecy of the Password, so changed, and the Bank in no way shall be responsible for the misuse of the said Password by any person other than the authorised User. The Bank does not assume any responsibility in this behalf including against loss incurred by the User as a result of misuse / unauthorised use of User ID / Password. In case the User forgets the Password, a new Password may be obtained from the Bank against a written request. Such replacements shall not be construed / deemed as the commencement of new contract. In such an event the Bank shall provide the new Password within a reasonable period. However, till such time no transactions could be effected.

Charges

The Bank reserves the right to charge and recover from the User, charges, if any, fixed for providing any service under Axis Bank Internet Banking facility. The User hereby authorises the Bank to recover the service charges by debiting one of the accounts of the User or by sending a bill to the User who will be liable to make the payment within a specified period. Failure to do so shall result in recovery of the service charges by the Bank in a manner deemed fit along with interest, if any, and / or withdrawal of Axis Bank Internet Banking facility without any liability to the Bank.

Mailing Address

All correspondence / delivery by the Bank of any instructions or their communication shall only be made at the normal postal address and / or e-mail address as registered with the Bank. The Bank shall in no way be held responsible for any non-receipt of the same.

Services Available on Internet Banking

Internet banking will be provided to users with certain default facilities that do not require second factor authentication (Netsecure) as detailed out in Annexure ?I. To avail all the facilities of Internet Banking a user has to register for Netsecure (second factor authentication) online by logging into internet banking. The facilities available with and without Netsecure are detailed out in Annexure ?I

Cheque Book Issue


A customer can request for issue of a cheque book. The courier charges will be borne by the customer. Transaction Processing (As and when introduced by the Bank) All the requests for instantaneous financial transactions will be given effect instantaneously. The User shall not hold the Bank responsible for not processing/effecting any transactions in case the Bank does not receive instruction to this effect even though the customer has forwarded the same.

Issue of Demand Drafts*

Demand Draft will be issued on the locations where the Bank either has a branch or has an arrangement with its correspondent bank at that location.

Funds Transfer*

The User shall not use or attempt to use Axis Bank Internet Banking for funds transfer without sufficient funds in the relative account or without a pre-existing arrangement with the Bank for the grant of an overdraft. The Bank will endeavor to effect such funds transfer transactions received through Axis Bank Internet Banking provided there are sufficient funds available in the User?s account. The Bank shall not be liable for any omission to make all or any of the payments or, for late payments due to circumstances beyond the reasonable control of the Bank.

Bill Payments*

The User shall maintain sufficient funds for payment of bills on the scheduled date. The Bank shall not be liable for non-payment due to insufficient balance or circumstances beyond the reasonable control of the Bank, including technical problems of connectivity, computer breakdown, non-availability of communication links, etc.

The Bank shall in no way be responsible for the non-payment of the User's bills within the time stipulated and the User alone shall be bound to pay or discharge interest, penalty or any such charges. Further, the Bank shall not be called upon to indemnify the User. All disputes such as excess billing, disconnection of service or facility, wrong credit or debit by the Bank, shall be resolved by the User only, and the Bank shall in no way be responsible for the same. * Applicable as and when these facilities are introduced by the Bank.

Authority to the Bank

Axis Bank Internet Banking transactions in the User's Account(s) are permitted only after authentication of the User ID and Password of the User. The User (along with the joint account holder, if any,) grants express authority to the Bank for carrying out the banking transactions performed by him through Axis Bank Internet Banking. The Bank shall have no obligation to verify the authenticity of any transaction received from the User through Axis Bank Internet Banking or purporting to have been sent by the User via Axis Bank Internet Banking other than by means of verification of the User-ID and the Password. Illegal or improper use of the Axis Bank Internet Banking facility shall render the User liable for payment of financial charges as decided by the Bank or will result in the suspension of the operations through Axis Bank Internet Banking. The display or printed output that is produced by the User at the time of operation of Axis Bank Internet Banking is a record of the operation of the Internet and shall not be construed as the Bank?s record of relative transactions. The Bank's own record of transactions maintained through computer systems or otherwise shall be accepted as conclusive and binding for all purposes unless any discrepancy is pointed out within one week from the date of access of his / her / their / its account by the User or from the date of sending the periodical statement to the User, whichever is earlier.

Accuracy of Information

The User is responsible for the correctness of information supplied to the Bank through the use of Axis Bank Internet Banking or through any other means such as electronic mail or written communication. The Bank accepts no liability for the consequence arising out of erroneous information supplied by the User. The User shall at periodic intervals check the correctness of the statement and shall notify the Bank about any discrepancies that may occur. All outputs of statements are duplicate statements of account and will be prepared by electronic means and the information contained therein will be extracted from a computerized Back up system maintained by the Bank. While the Bank will take all reasonable steps to ensure the accuracy of the statement, the Bank is not liable for any error. The User shall hold the Bank harmless against any loss, damages, etc. that may be incurred / suffered by the User if the information contained in the above said outputs turns out to be inaccurate / incorrect.

Liability of the User

The User alone shall be liable for any loss from unauthorized transactions in the Axis Bank Internet Banking accounts if he has breached the terms or contributed or caused the loss by negligent actions such as the following: Keeping a written or electronic record of Axis Bank Internet Banking Password Disclosing or failing to take all reasonable steps to prevent disclosure of the Axis Bank Internet Banking Password to anyone including any minor, Bank staff and/or failing to advise the Bank of such disclosure within reasonable time. Not advising the Bank in a reasonable time about unauthorized access to or erroneous transactions in the Axis Bank Internet Banking accounts. The Bank shall in no circumstances be held liable by the User if Axis Bank Internet Banking access is not available in the desired manner for reasons including but not limited to natural calamity, floods, fire and other natural disasters of any kind, legal restraints, faults in the telecommunication network or Internet or network failure, power breakdown or UPS breakdown, software or hardware failure and or error or any other reason beyond the reasonable control of the Bank. The Bank shall in no way be liable for any loss or damage that may occur due to hacking of the account by any persons other than the User, which fits in the definitions of a 'Cyber Related Crime' as accepted internationally. The Bank shall under no circumstances shall be liable for any damages whatsoever whether such damages are direct, indirect, incidental, consequential and irrespective of whether any claim is based on loss of revenue, investment, production, goodwill, profit, interruption of business or any other loss of any character or nature whatsoever and whether sustained by the User or any other person.

Indemnity

The User shall indemnify and hold the Bank harmless against all actions, claims, demands, proceedings, losses, damages, costs, charges and expenses whatsoever which the Bank may at any time incur, sustain, suffer or be put to as a consequence of or by reason of arising out of providing Axis Bank Internet Banking facility or by reason of the Bank in good faith taking or refusing to take or omitting to take action on any instruction given by the User.

Disclosure of Personal Information

The User agrees that the Bank or its contractors may hold and process his Personal Information on computer or otherwise in connection with Axis Bank Internet Banking services as well as for statistical analysis and credit scoring. The User also agrees that the Bank 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: For participation in any telecommunication or electronic clearing network. In compliance with a legal directive. For credit rating by recognized credit rating / scoring agencies. For fraud prevention purposes.

Bank's Lien

The Bank shall have the right of set-off and lien, irrespective of any other lien or charge, present as well as future on the deposits held in the User's accounts whether in single name or joint name(s), to the extent of all outstanding dues, whatsoever, arising as a result of the Axis Bank Internet Banking service extended to and/or used by the User.

Proprietary Rights

The User acknowledges that the software underlying the Axis Bank Internet Banking service as well as other Internet related software which are required for accessing Axis Bank Internet Banking are the legal property of the respective vendors. The permission given by the Bank to access Axis Bank Internet Banking will not convey or confer any proprietary or ownership rights in the above software. The User shall in no way try to alter / tamper or experiment with the said programme. Any breach on the part of the User will be dealt under the appropriate law and User shall be liable for damages that may be incurred by the Bank. The User shall not attempt to modify, translate, disassemble, decompile or reverse engineer the software underlying Axis Bank Internet Banking or create any derivative product based on the software.

Change of Terms and conditions

The Bank has the absolute discretion to amend or supplement any of the terms at any time The Bank may introduce new services within Axis Bank Internet Banking from time to time. The existence and availability of the new functions will be notified to the User as and when they become available.. By using these new services, the User agrees to be bound by the terms and conditions as applicable and set forth from time to time on the website www.axisbank.com

Non-Transferability

The grant of facility of Axis Bank Internet Banking to a User is not transferable under any circumstance and shall be used only by the User.

Notices

The Bank and the User may give notices under these Terms and Conditions: Electronically to the mailbox of either party. Such notices will be regarded as being in writing. In writing by delivering them by hand or by sending them by post to the last address given by the User and in the case of the Bank to the address mentioned below: Axis Bank Ltd., Central Office, Maker Towers 'F', 13th Floor, Cuffe Parade, Colaba, Mumbai - 400 005 In addition, the Bank may also publish notices of general nature, which are applicable to all Users of Axis Bank Internet Banking on its web site. Such notices will have the same effect as a notice served individually to each User and or that of a notice published in a newspaper of print media.

Governing Law
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The User may request for termination of the Axis Bank Internet Banking facility anytime by giving a written notice of at least 15 days to the Bank. The User will remain responsible for any transactions made on his Axis Bank Internet Banking account(s) through Axis Bank Internet Banking prior to the time of such cancellation of Axis Bank Internet Banking facility. Any dispute or difference arising between the User and the Bank shall be settled by mutual consultation / discussion failing which, the same shall be referred to Arbitration. The Arbitration proceedings shall be governed and conducted in accordance with the Indian Arbitration and Conciliation Act, 1998 and that the Arbitration proceedings shall take place in Mumbai. The Bank accepts no liability whatsoever, direct or indirect, for non-compliance or breach of the laws of any country other than the Republic of India. The mere fact that the Axis Bank Internet Banking service can be accessed through Internet by a User in a country other than India shall not be interpreted to imply that the laws of the said country shall govern these terms and conditions and/or the operations in the Axis Bank Internet Banking accounts of the User and/or the use of Axis Bank Internet Banking. The User of the Axis Bank Internet Banking facility by a person from any place other than India will not alter the situation and the said User shall be deemed to have submitted himself to the laws of the Republic of India

Termination of Axis Bank Internet Banking facility


o

o o o

The User may request for termination of the Axis Bank Internet Banking facility anytime by giving a written notice of at least 15 days to the Bank. The User will remain responsible for any transactions made on his Axis Bank Internet Banking account(s) through Axis Bank Internet Banking prior to the time of such cancellation of Axis Bank Internet Banking facility. The Bank may withdraw Axis Bank Internet Banking facility anytime provided the User is given reasonable notice under the circumstances The closure of all Axis Bank Internet Banking accounts by the User will automatically terminate the facility The Bank may suspend or terminate Axis Bank Internet Banking facilities without prior notice if the User has committed breach of these terms and conditions or the Bank learns of the death, bankruptcy or legal incapacity of the User.

General
o

The clause headings in this agreement are only for convenience and do not effect the meaning of the relative clause. The User shall not assign this agreement to anybody else. The Bank may subcontract and employ agents to carry out any of its obligations under this contract.

E-Statement
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Corporate Internet Banking E-Statement SMS Banking Phone Banking Find your Nearest ATM / Branch Axis Bank ATM Facilities How to Bank Safely

E-Statement Axis Bank offers the facility of E-Statement. E-Statement are secure and electronic way to receive statement of accounts from the Bank. Advantages

Prompt delivery Person specific delivery No hassle of physical record maintenance Monthly statements on email id within a week of the following month Password protected for security

Registration To register for E-Statement download the registration form and submit it at your nearest Axis Bank branch. Download the registration form Alternatively, you can also register for eStatement by logging into Internet Banking.
E-Statement : Terms and Conditions

The E statement provided is an optional facility provided to the account holders and not a compulsion by the Bank for availing such a facility. On agreeing to subscribe through the E statement, Account Holder(s) agree to be bound by all the Terms and Conditions that may be specified by the Bank at the time availing such facility and such other conditions as specified by the Bank from time to time. On agreeing to avail the facility of E statement, Account Holder(s) agree, and understand that the Bank shall discontinue the physical statements being sent to the Account Holder(s). Axis Bank shall not be liable or responsible for any breach of secrecy caused as a result of the E Statements being sent to the registered email with the Bank. Axis Bank is not liable to verify the any authenticity of the emails.

The facility being a optional one the Account Holder (s) shall not hold the Bank liable if any problem arises with the Account holder(s) computer network as result of receiving Statements from the Bank. In case of Joint Account Holders the Joint Account Holders shall not hold liable the Bank for receiving the E statement to the Designated email address of one of the Account Holder. The Account Holder(s) shall at all times be responsible for updating the details with the Bank from time to time to receive this service uninterrupted of the Bank. Account Holder shall not hold Axis Bank responsible if they do not receive Statements due to incorrect Email address and technical reasons beyond the control of the Bank. The Account Holder confirm to have read and understood the Terms & Conditions pertaining to usage of this Channel Facility. The Bank shall at its own discretion at any time may discontinue/alter/modify the facility at the terms and conditions as specified therein at the sole discretion of the Bank. Home Speed Banking SMS Banking

SMS Banking
SMS Banking

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Get SMS Banking


Register for SMS Banking

SMS Banking numbers: +919717000002 or 5676782*


Leave your number

Details Print Features Instructions & Keywords How to Register Fees & Charges How to De-register Terms and Conditions

In today's fast business environment with unending deadlines to fulfill and lot of appointments to meet, there is need for an account 'that travels with you'. Axis Bank provides you a robust SMS banking facility to access your account conveniently from anywhere and at anytime. Our SMS Banking facility would benefit you by adding safety and convenience to transactions leading to saving of time and keeping you updated round the clock. Our SMS Banking service helps you to keep a check on your account and prevent misuse of your account. Added Convenience

We send you the instant alerts on Transaction, Minimum monthly average balance, Inward and Outward Cheque return instances You can request information on your account from anywhere and anytime of the day or night. Just send the specified keyword as an SMS to +919717000002 or 5676782* to receive the information on your account

Features Axis Bank's SMS Banking service provides you information in two ways: Automatic alerts and Enquiries Automatic Alerts: (Push alerts) Messages initiated by the Bank

Day End Balance Alerts: At the end of each day a SMS showing Day end balance is sent to your registered Mobile Number to keep you updated about balances Debit and Credit Alert: Messages are sent for each Credit and Debit to your account above a specified threshold limit. Inward Cheque Return Alerts: Whenever cheque issued is returned a message intimating about the same will be sent to your registered mobile number. Outward Cheque Return Alerts: Whenever cheque deposited is returned a message will be sent to your registered mobile number.

Minimum Average Balance Alert: A message is sent to your registered mobile number to fund the account sufficiently if it is below required levels so as to avoid non maintenance charges.

Enquiries: (Pull alerts) Following information can be sought by sending SMS to the Mentioned SMS Banking number

Balance Inquiry Statement - Last 5 Transactions Cheque Status Suspend SMS Banking

You can check your Account balance, go through the last five transactions, and find out the status of your cheques as and when required by just sending an SMS with the specified keyword to the SMS Banking number +919717000002 or 5676782* Benefits

Safety: Every debit and credit to your account above a certain value is intimated to you. Stay updated on your account transactions anywhere and at anytime. Convenience: No more queues at Branches or at ATMs for transaction queries. Time Saving: No traveling to branches or ATMs to keep track of your account. Updates: Get automatic updates on your balance and also cheques status on your cell. Accessibility: Avail of this service from anywhere, even on the move.

To give a feel of our Offerings a free trial period of 30 days is provided to all the new customers registering for SMS Banking Facility

Phone Banking Services


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To access Phone Banking services from anywhere in India, from a Landline or Cell phone please dial any of our following 3 Toll Free Phone Banking Numbers:

1-800-233-5577 1-800-209-5577 1-800-103-5577 NRI / other customers can access Phone Banking services from outside India by dialing +91 22 27648000 (This number is not toll free) For blocking of Debit / Pre-paid cards, you can also call our 24-hour Emergency Helpline Number +91 22 67987700 (This number is not toll free)

Information / Services available through Phone Banking


Information about Products and Services Information about Account Balance and Transactions Information about status of Cheque Issued or Deposited Information about Deposit Interest Rates Information about ATM and Branch locations Information / Issues on usage of - ATM, Internet Banking or Mobile Banking Request for Cheque Book Request for Statement by E-mail or Fax Request for Duplicate Statement Regeneration of ATM PIN for Debit Card Regeneration of Internet Banking password Blocking of Internet Banking User ID Hot listing of Cards

Please Note :

Telebanking service (IVR - Interactive Voice Response) is available 24 hours a day, 7 days a week You can speak to a Phone Banking Officer from 9 am to 9 pm, from Monday to Saturday (except on National Holidays)

ATM
At Axis Bank ATMs, a host of your needs are met, ensuring ease of conducting both banking and non-banking transactions, without having to visit the branch. Use our wide network of over 7591 ATMs (as on 30th of Sep'11) providing 24 hrs a day banking convenience to its customers. This is one of the largest ATM networks in the country. Facilities offered
Balance inquiry

Check available balance, with the option of printing a receipt as well.

Cash withdrawal

Withdraw cash quickly and conveniently at any one of our ATMs with MasterCard and VISA cards.
PIN change

Change your ATM/Debit Card PIN number, ensuring the continued safety of your account.
Mini Statement

Check the last 7 transactions carried out on your card. You can avail of a printed copy as well.
VISA money transfer

Select Special Services from the menu, mention your beneficiary's VISA number and just tell us the amount of money you wish to transfer. To know more about VISA money transfer, please click here
Money transfer between linked accounts

You can also transfer money between your linked accounts.


Request for a new chequebook

You don't need to visit any of our branches just to place a request for a new cheque book, just walk into the nearest Axis Bank ATM. Your new cheque book will be delivered at your doorstep.
Mutual Fund payment

Purchase or redeem units of any UTI MF scheme without filling any forms or writing cheques. To know more about this service please visit your nearest Axis Bank branch or call Customer Care.
Insurance Premium payments

Make your premium payments easy. Pay premiums on policies through our ATMs.
Register for SMS Banking/NETSECURE

If you wish to avail of SMS Banking or NETSECURE, you don't need to visit the branch. Just visit your nearest ATM and register your mobile number. You can also update your Mobile Number for above services. To know more about NETSECURE, please click here

How to Bank Safely


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Stay safe while banking online Here's a list of Must Do's to keep your online banking a safe and secure experience.
Precautions while logging in

Avoid using Internet Banking on shared computers and public places like Cafs, Libraries. Always remember to Log off on Internet Banking and close your browser when you have finished your online banking. Disable the 'AutoComplete' function within your browser

Your Account Information safety


Change your Internet Banking password regularly and never disclose it to anyone Always use alphanumeric passwords and for multiple accounts, use different passwords Ensure that your system anti-virus is updated regularly Do not give your account information to telemarketers or to callers claiming to confirm or verify your account information

Axis Bank will not send any requests for your Passwords, Credit/Debit Card numbers, Bank account numbers, or other financial information. If you receive any message as such that appears to be from Axis Bank, please do not respond and notify us on IT.Helpdesk@axisbank.com Protect Your Account If you are using Internet banking or any other online account, please read below on how to protect your account.
Never respond to emails that request personal information

At Axis Bank, we would never ask for your personal details through an email. Nor would we ask for your password through any means, phone, fax or in-persons. If any of our bank personnel asks you for your password, do not disclose it and report him or her immediately to us. Please write to ibrm@axisbank.com

Keep your password top secret and change them often

Changing passwords often helps in protecting your account even if inadvertently you may have disclosed it to someone.
Make your password difficult to crack

When you create your password, make it at least 6 characters long. Include at least one capital letter, one numerals (0-9) and one special character (like @, #, $, etc). This makes the password very difficult to crack.
Never use cyber cafes to access your online accounts

PCs at cyber cafes may be infested with viruses and Trojans that can capture and transmit your personal data to fraudsters. The easiest way to grab information is key logging software, which record all the keystrokes you typed, to be retrieved later for fraudulent usage. Beware of typing passwords on unknown PCs.
Keep your computer secure

Some phishing emails or other spam may contain software that can record information on your Internet activities (spyware) or open a 'backdoor' to allow hackers access to your computer (Trojans). Installing anti-virus software and keeping it up to date will help detect and disable malicious software, while using anti-spam software will stop phishing emails from reaching you. It is also important, particularly for users with a broadband connection, to install a firewall. This will help keep the information on your computer secure while blocking communication from unwanted sources. Make sure you keep up- to-date and download the latest security patches for your browser. If you don't have any patches installed, visit your browser's website, for example users of Internet Explorer should go to the Microsoft website.
Check the website you are visiting is secure

Before submitting your bank details or other sensitive information there are a couple of checks you can do to help ensure the site uses encryption to protect your personal data:

If the address bar is visible, the URL should start with 'https://' ('s' for secured) rather that the usual 'http://'. If the address bar is not visible as in our Internet Banking website, look for a lock icon on the browser's status bar. You can check the level of encryption, expressed in bits, by hovering over the icon with your cursor.

Note that the fact that the website is using encryption doesn't necessarily mean that the website is legitimate. It only tells you that data is being sent in encrypted form.

Validate the SSL Certificate

If you are in any doubt, click on the lock icon at the bottom of the secured page. This opens up a new window, displaying the SSL certificate information. Ensure that there is no red cross mark preceding the title 'Certificate Information'. It should also be 'Issues to: https://www.axisbank.co.in You can get more information by clicking on the other tabs in the certificate window. Following the above steps would help you in protect yourself. However, please remember, fraudsters are always trying to stay a step ahead. To ensure that you remain protected at all times

Never let anyone know your PINS or passwords Do not write them down Do not use the same password for all your online accounts Avoid opening or replying to spam emails, as this will give the sender confirmation they have reached a live address.

Above all, use common sense when it concerns your personal information. It you feel something is out of place, then it probably is. Safe Online Shopping Now have a safe shopping experience every time you buy something online:
Shop only with brands you recognize

Shop only with reputable and reliable brands. That way, you not only ensure good quality products, but also high amount of safety when you are transacting online.
Check the validity of the site

You should see "https://" and a padlock in the address bar. If these are missing, it means your personal data is not being encrypted prior to transmission; it could be stolen by other parties.
Use only secure payment gateways

While shopping online ensure the payment gateway is secure and verified by a third party. This way you can make your payments safely and easily
Passwords can work wonders too

Our password is the most important tool that can protect you from identity theft. Use upper and lower case and numbers in your password, and change them frequently. Here's a list of quick tips that can help you stay safe while shopping online:

Keep your anti-virus, anti-spyware spam filters, and secure firewall up-to-date. If an online retailer is requesting private data, avoid shopping with them. Beware of emails phishing for financial data. Check the online retailer's reputation. Understand privacy policies, so that you know how they process and store your information.

Vishing / Phishing A method of illegally capturing personal security data. IMPORTANT: Axis Bank does not ask for personal security details like your Internet banking or phone banking passwords on the email, phone or otherwise. Never disclose your passwords to anyone, even to the bank's staff. In case you get an email or a phone call asking your personal security details or a Bank staff approaches you to disclose your password, please report to us. You can send an email to ibrm@axisbank.com.
What is vishing?

Vishing is a combination of the words voice and phishing. Vishing is very similar to phishing the only difference is the technology. Phishing involves the use of emails to trick you into providing your personal details whereas vishing involves voice or telephone services. If you use a Voice over Internet Protocol (VoIP) phone service, you are particularly vulnerable to a vishing scam. A typical vishing call involves a scammer, posing as an employee from your bank or another organisation, claiming to need your personal details. Scammers are very creative and they could tell you many different reasons why they need this information from you. Do not assume you won't be a target of a vishing scam. Regardless of the story you are told, the scammer will be aiming to convince you to divulge confidential personal and banking information, such as your PIN or password. Even if you use your telephone keypad or keyboard to type in your details, if you are on the line to a scammer, the scammer can record them.
What is phishing?

Phishing is a technique employed by scamsters to illegally procure personal information like account numbers, Internet banking user ids and passwords, etc. The most frequently used method is to send a spam email to a large database of email ids say, all gmail ids or all yahoo ids. The spam email is designed in such a way as to look exactly like an email sent by the targeted company / bank.

The email simply asks the recipient to click on a link and enter their user id and password. Different techniques are used to lure the recipient to click on the link: validation of account information, threat of account suspension, etc. If you look carefully, the link will not lead you to our websites: http://www.axisbank.com or https://www.axisbank.co.in Never click on any such link and never enter your login id and password without verifying the authenticity of the web page. Stay Safe Against False Offer of Funds Fraudsters making claims of remitting funds from abroad to help you in your venture/business may ask you for your personal/bank details.
How to safeguard the safety of your account

You may receive letters/emails from foreign entities/Individuals claiming to offer huge amounts of money in foreign currency, on the pretext of helping you in your business/ venture. These may request for your bank account details and ask you to remit an initial deposit/commission so that they can transfer the money offered. They may also claim that huge sums of money for disbursal of loans at cheap rates are kept in an account with the Reserve Bank of India (RBI), and may show copies of certificate/deposit receipts purported to have been issued by the Reserve Bank. The RBI does not maintain any account in the name of individuals / companies / trusts in India to hold funds for disbursal and it cautions you against such offers. Also, the RBI have received approvals/clarification requests from individuals/entities for effecting remittances in foreign currency towards commission/fees for receiving prizes won in overseas lottery schemes etc. Do not participate in lottery-like schemes functioning under different names, such as, money circulation scheme or remittances for the purpose of securing prize money/awards, etc. These are prohibited under the Foreign Exchange Management Act, 1999. List of nodal agencies (Cyber Crime Cell / Economic Offence Wing)

Caution against fictitious offers of remitting cheap funds from abroad

RBI Press Release : 2007-2008/770, Dated - December 7, 2007 The Reserve Bank of India has advised members of public not to fall prey to fictitious offers for release of cheap funds claimed to have been remitted by overseas entities to banks in India / Reserve Bank of India. Members of public should also not make any remittance towards participation in such schemes/offers from unknown entities. Describing the typical modality of such offers, the Reserve Bank of India stated that certain foreign entities/individuals, including Indian residents acting as representatives of such entities/individuals, make offers through letters / emails, etc., of huge money in foreign currency to resident individuals/entities (including schools/hospitals), on the pretext of helping them in

their business/ventures in India. Once the contact is established, the offer is followed by a request seeking details of bank account of the Individuals/Indian entity and asking some amount to be remitted to them as initial deposit/commission so that the offer money could be transferred. Likewise, references have been also received in the Reserve Bank in the recent past from individuals/authorised dealers seeking approvals/clarifications for effecting remittances in foreign currency towards commission/fees for receiving prizes won in overseas lottery schemes etc. It has also come to the notice of the Reserve Bank that certain overseas organisations have been advising individuals/companies/trusts in India that huge sums of money for disbursal of loans in India at cheap rates has been kept in an account with the Reserve Bank and the funds would be released after approval from the Reserve Bank. To substantiate their claims, even copies of certificate/deposit receipts purported to have been issued by the Reserve Bank are produced by such operators. The Reserve Bank of India has today clarified that remittance in any form towards participation in lottery schemes is prohibited under Foreign Exchange Management Act, 1999. Further, these restrictions are also applicable to remittances for participation in lottery-like schemes functioning under different names, such as, money circulation scheme or remittances for the purpose of securing prize money/awards, etc. The Reserve Bank of India has further clarified that it does not maintain any account in the name of individuals/companies / trusts in India to hold funds for disbursal.