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:
|
|
|
|
|
|
|
|
|
|
My Profile:
|
1. Change
'Sign-on' and Transaction Password.
|
2. Set
Preferences.
|
3. Update
channel id.
|
4. View
personnel details.
|
|
|
|
|
|
|
|
|
|
Accounts:
|
1. Accounts
Summary.
|
2. Savings
accounts details.
|
3. RD account
details.
|
4. PPF accounts
details.
|
5. TD accounts
details.
|
6. NSC Account
details.
|
7. Loan on RD
details.
|
8. Loan on PPF
details.
|
9. Tax deducted
at source details.
|
|
|
|
|
|
|
|
|
|
Transactions:
|
1. Manage Payee.
|
2. Manage
Billers.
|
3. Initiate
funds Transfer with in DOP.
|
4. Funds
transfer outside DOP.
|
5. PPF account
withdrawal.
|
6. View
scheduled transactions.
|
7. Pay PPF
Account/Repay Loan on PPF.
|
8. View
recurring instructions.
|
9. Pay RD
account.
|
10. View All
Transactions.
|
11. Repay Loan
on RD.
|
|
|
|
|
|
|
|
|
|
General Services:
|
1. Mails.
|
2. Inquiry
Facility.
|
3. Service
Requests.
|
|
Terms and Conditions
1.
Definitions:
|
|
|
|
In these Terms of Service (Terms & Conditions), unless the context
indicates otherwise, the following words and phrases shall have the meanings
indicated against them:
|
|
|
|
♦ 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.
|
|
|
|
♦ DoP refers to Department of Posts.
|
|
|
|
|
|
|
|
|
♦ 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.
|
|
|
|
♦ User refers to a customer of Department of Posts who is authorized to
use Internet Banking Services.
|
|
|
|
♦ Confidential Information refers to the information obtained by the
customer through the Department of Posts for availing various services
through e-Banking.
|
|
|
|
♦ Personal Information refers to the information about the User
obtained by the Department of Posts in connection with the Internet Banking
Service.
|
|
|
|
♦ 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.
|
|
|
|
♦ 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.
|
|
|
|
♦ 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.
|
|
|
|
♦ 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.
|
|
|
|
♦ Customer refers to Customer named in the Application Form and shall,
where the context requires, include any authorized representative of the
Customer.
|
|
|
|
♦ 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/
|
|
|
|
♦ 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.
|
|
|
|
♦ Instruction means any request or instruction that is received from
the customer by the Department of Posts through Internet Banking services.
|
|
|
|
|
|
|
|
|
|
2.
Applicability of Terms & Conditions:
|
|
|
|
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.
|
|
|
|
|
|
|
|
|
|
3.
Application of Internet Banking Services:
|
|
|
|
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.
|
|
|
|
|
|
|
|
|
|
4.
Internet Banking:
|
|
|
|
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.
|
|
|
|
|
|
|
|
|
|
5.
Un-authorized Access:
|
|
|
|
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.
|
|
|
|
|
|
|
|
|
|
6.
Internet Banking access and Passwords:
|
|
|
|
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.
|
|
|
|
|
|
|
|
|
|
7. Joint
Accounts:
|
|
|
|
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.
|
|
|
|
|
|
|
|
|
|
8. Service
Charges:
|
|
|
|
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.
|
|
|
|
|
|
|
|
|
|
9. Minimum
Balance maintenance and Charges:
|
|
|
|
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.
|
|
|
|
|
|
|
|
|
|
10.
Transfer of Funds through DoP Internet Banking:
|
|
|
|
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.
|
|
|
|
|
|
|
|
|
|
11.
Personal Information disclosure:
|
|
|
|
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:
|
|
|
|
♦ Participation in any telecommunication or electronic clearing
network.
|
