Axis Analysis 2w3q5t

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       

Details: View your bank Details, Balance, Statements and more. Fund Transfer: Transfer fund to your Own s, Other Axis Bank s or Other Bank s seamlessly. Tax Payments: Make all your tax payments by logging into Internet Banking and store your challans online. Salary : Pay salaries as a bulk payment to all employees and you don’t 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.

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 s who have the mandate from their organization to complete financial transactions online, need to 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 s (including all enterers and approvers) needs to be ed with the bank. Please click here to 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 id and and second, a single usage that you will receive while conducting the transaction) are used together to your identity on the Internet. Using two factors as opposed to one factor (just the id and ) ensures heightened security for your online transactions. It is mandatory to for NETSECURE to transfer funds online. Once you are ed for NETSECURE, you will receive your NETSECURE Code - a single usage , 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 for NETSECURE online. How to & 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 ) 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 number; the recipient's number and the transaction amount, so that you can the transaction details. The NETSECURE Code needs to be entered along with your transaction to complete the transaction which is now doubly secure. How to : To for NETSECURE with SMS, you must first ensure that your mobile number is ed with the Bank. If your mobile number is not yet ed for this mode, please Click here to the registration form. Please fill the form along with the signatures of authorized signatories and visit your Axis Bank Branch to your mobile number. Once you have ensured that your mobile number is ed with us, 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 using NETSECURE with WebPin, you need to one or more of your frequently used computers. You can then use Axis Bank Internet Banking only from these ed 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 ), which will be required to to Axis Bank Internet Banking. With the WebPin authenticated , your online transactions are safe and doubly secure. How to : To for NETSECURE with Webpin, you must first ensure that your mobile number is ed with the Bank. If your mobile number is not yet ed for this mode, please Click here to the registration form. Please fill the form along with the signatures of authorized signatories and visit your Axis Bank Branch to your mobile number. Once you have ensured that your mobile number is ed with us, 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 ed for "NETSECURE with WebPin", you are required to your computer(s) for Axis Bank Internet Banking usage. To your computer(s), through the particular computer. On , you will be prompted to activate NETSECURE and a 6-digit activation code would be sent through SMS to your ed mobile number. Enter the activation code and follow two simple steps to set a WebPin (Please this WebPin to 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 ) every time a button on it is pressed and held. This NETSECURE Code will have to be entered in addition to your ID and to to Axis Bank Internet Banking. Every NETSECURE Code expires after 50 seconds and you have to generate a new code to . How to : 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 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 holders. In all cases, the customer/mandate holder should have the authority to operate the with full permission. Please refer to the T&C while ing 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 details online bank statements. View and book Fixed Deposit. Make online payments for utility bills and insurance s. Make payments at merchant websites for their products and services using Direct Debit service. Transfer money to your own s and to other third party bank s. 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 details

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

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Axis Bank Internet Banking is a convenient & faster way to access your & 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 .

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

Yes, you can use the same id for all Axis Bank relationships. You can view all your details including loan , fixed deposits and Demat . 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 - 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: 

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Details: View your bank details, balance, statements and more. Also view your Demat, Loan & Credit Card Details too all in one place. Fund Transfer: Transfer fund to your own s, other Axis Bank s or Other Bank 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, 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 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.

Internet Banking Services Availability

Inquiry only with s

Fund Transfer with Netsecure (2nd factor authentication)

1

View Details/Balance

Yes

Yes

2

Edit Personal Profile Details

Yes

Yes

3

Statement

Yes

Yes

4

Stop Cheque Payment

Yes

Yes

5

Request for a Cheque book

Yes

Yes

6

View Credit Card Details

Yes

Yes

7

Redeem Debit Card loyalty points

Yes

Yes

8

View Demat Details

Yes

Yes

9

View your Portfolio Summary/Snapshot

Yes

Yes

10

View your Loan A/C Details

Yes

Yes

11

Mail Facility

Yes

Yes

12

for e-statement

Yes

Yes

13

for SMS Banking

Yes

Yes

14

Transfer Fund to Own Axis Bank

No

Yes

15

Transfer Fund to Other Axis Bank

No

Yes

16

Transfer Fund to Other Bank

No

Yes

17

Transfer Fund to Visa Credit Card

No

Yes

18

Recharge Mobile

No

Yes

19

Request for Demand Draft

No

Yes

20

Create Fixed Deposit

No

Yes

21

Apply for IPO Online

No

Yes

22

Pay Credit Card Bills

No

Yes

23

Pay utility Bills

No

Yes

24

Shop online and pay using Axis Bank No Internet Banking

Yes

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

The steps involved in ing for Internet Banking are described below: 

If you do not have name and (Not ed for Internet banking): o the 'Axis Bank Internet Banking' form (Its also available at your nearest branch). o Fill your details. o Read the instructions overleaf before g. o The form must be signed by all holders. o Submit the form to any of our branch offices o While submitting the form at the branch, 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 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 s by mail. o Post receiving the s to Internet Banking. o You will see a message asking you to for Netsecure (2nd factor authentication). Click there to for Netsecure. (View Demo)

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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 ed 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 name and but you do not enjoy all the services like fund transfer, mobile recharge, bill payment etc. Log on to Internet Banking.

If you see a message stating that your access to Internet Banking is currently a View Only access and asking you to for fund transfer then follow the steps below: o

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Visit your nearest Axis Bank ATM and your mobile number for Axis Bank Internet Banking (Netsecure). Click here to view further details. o Re- to Internet Banking. o You will see a message asking you to for Netsecure (2nd factor authentication). Click there to 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 ed 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 for Netsecure (2nd factor authentication) then follow the steps below: o Click on for Netsecure on the post 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 ed or does not match" then 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.

How do I 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 your mobile number for Internet Banking (Netsecure)

What do I do if I forget my ?

You can generate both your and transaction 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 online. Related What is required for accessing the on the internet?

To , 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 sent by Axis Bank. Some of you might have a personlized 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 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 opening. Why are the different s and validations to and transact?

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

- The " " is used for logging in and allows you to view your details. Your id is your customer id. Transaction - "Transaction " 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 for Netsecure, you can generate a one-time through SMS, Web-pin or 1-touch Device. This makes your banking transactions safer & free from frauds.

What is Netsecure & How to for Net Secure?

Netsecure is an additional security feature added to have a 2nd factor authentication. Once you for Netsecure, while transacting you will receive/generate a one-time 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 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 through that mode. Click here to View demo. Enter your mobile number and Submit. (Please enter the same mobile number that you have ed 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 your mobile number, please visit your nearest ATM / Branch. Click here to know more.

What is the policy on creating s?     

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

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

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

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

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

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

It might be due to one of the following reasons: 

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Incorrect ID or : Recheck your ID and . Please note that s are case sensitive. In case you have forgotten your click on "" link on the page to generate your online. If you want to generate your now, please click here. Disabled ID: In case of 5 incorrect entries, the system disables your Internet Banking ID for the calendar day. It will be enabled the next calendar day. First time : Visit your nearest Axis Bank branch to 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: 

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Request for a cheque book: The cheque book will be mailed to your mailing address ed with Axis Bank. Charges as indicated in respective Schedule of Charges will be recovered from your . 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 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 s ( 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 names, s 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 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 number, debit card number, ATM PIN or Online Banking s) through an email. Nor would the Bank ask for your through any other means, phone, fax or in-persons. If any of our bank personnel asks you for your , 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 [email protected] What general precautions should I take to protect my on the internet?

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

Keep your top secret and change them often - Changing s often helps in protecting your even if inadvertently you may have disclosed it to someone. Make your difficult to crack - When you create your , 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 very difficult to crack.

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Avoid using cyber cafes to access your internet banking s - 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 s 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 s 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 the latest security patches for your browser. If you don't have any patches installed, visit your browser's website, for example s 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://idoc-pub.sitiosdesbloqueados.org/cdn-cgi/l/email-protection" class="__cf_email__" data-cfemail="cea7acbca38eafb6a7bdacafa0a5e0ada1a3">[email protected]

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 ?

If you suspect that there has been an unauthorised transaction in your , please report it to the Bank immediately at [email protected]

nternet Banking & Conditions Definitions:  

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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 ed 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 : Balance enquiry, statement of , request for issue of cheque book, view personal information, details of holding / statement of demat s and other facilities as the Bank may decide to provide from time to time like transfer of funds between s. refers to any person who has an with the Bank and who has been authorised by the Bank to avail of Axis Bank Internet Banking. refers to the 's Savings and / or Current and / or Fixed Deposit and / or Cash Credit and / or Depository and / or any other type of so designated by the Bank to be covered under the Axis Bank Internet Banking facility. refer to and conditions for use of Axis Bank Internet Banking as detailed in this document.

Applicability of 

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

a) Application for Axis Bank Internet Banking: 

Axis Bank Internet Banking will be available to the customers upon opening of savings 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 would need to be a current legal Internet 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 ed 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 shall not attempt or permit others to attempt accessing the information stored in the Bank's computers through any means other than Axis Bank Internet Banking. The shall not attempt or permit others to attempt accessing the information stored in the Bank?s computers which does not relate to his or its 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 by Internet in the manner indicated by the Bank. The 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 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 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 all the versions of these Internet softwares. The 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 the software, hardware, operating systems of the and that the same shall be the sole responsibility of the .

t s 

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The desirous of availing Axis Bank Internet Banking should either be the holder and sole signatory or authorised to act independently in case of a t . For such t s, one ID and will be issued to each of the t holders when requested. The other t 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 t s shall be binding on all the t holders, tly 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 t holder in such an event.

s in the names of minors 

In case of s opened for and on behalf of minors, the natural guardian shall undertake to give all instructions relating to the operation of the and further undertake not to reveal the ID and 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 in case if the 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.

: The accepts and unconditionally agrees to the following:   

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Upon approval of the holder's application, the customer will be allotted a ID and 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 ed. On accessing Axis Bank Internet Banking for the first time, the shall change the assigned by the Bank through the relevant option. The is at liberty to change the as many number of times as possible at his risk and consequences. The will be solely responsible for maintaining secrecy of the , so changed, and the Bank in no way shall be responsible for the misuse of the said by any person other than the authorised . The Bank does not assume any responsibility in this behalf including against loss incurred by the as a result of misuse / unauthorised use of ID / . In case the forgets the , a new 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 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 , charges, if any, fixed for providing any service under Axis Bank Internet Banking facility. The hereby authorises the Bank to recover the service charges by debiting one of the s of the or by sending a bill to the 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 ed 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 s 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 has to 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 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 shall not use or attempt to use Axis Bank Internet Banking for funds transfer without sufficient funds in the relative 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 ?s . 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 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.

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The Bank shall in no way be responsible for the non-payment of the 's bills within the time stipulated and the 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 . All disputes such as excess billing, disconnection of service or facility, wrong credit or debit by the Bank, shall be resolved by the 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 's (s) are permitted only after authentication of the ID and of the . The (along with the t 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 the authenticity of any transaction received from the through Axis Bank Internet Banking or purporting to have been sent by the via Axis Bank Internet Banking other than by means of verification of the -ID and the . Illegal or improper use of the Axis Bank Internet Banking facility shall render the 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 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 by the or from the date of sending the periodical statement to the , whichever is earlier.

Accuracy of Information 



The 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 . The 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 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 shall hold the Bank harmless against any loss, damages, etc. that may be incurred / suffered by the if the information contained in the above said outputs turns out to be inaccurate / incorrect.

Liability of the

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The alone shall be liable for any loss from unauthorized transactions in the Axis Bank Internet Banking s if he has breached the or contributed or caused the loss by negligent actions such as the following: Keeping a written or electronic record of Axis Bank Internet Banking Disclosing or failing to take all reasonable steps to prevent disclosure of the Axis Bank Internet Banking 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 s. The Bank shall in no circumstances be held liable by the 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 by any persons other than the , 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 or any other person.

Indemnity 

The 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 .

Disclosure of Personal Information 

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The 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 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

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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 's s whether in single name or t 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 .

Proprietary Rights 

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The 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 shall in no way try to alter / tamper or experiment with the said programme. Any breach on the part of the will be dealt under the appropriate law and shall be liable for damages that may be incurred by the Bank. The 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 and conditions 

The Bank has the absolute discretion to amend or supplement any of the 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 as and when they become available.. By using these new services, the agrees to be bound by the 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 is not transferable under any circumstance and shall be used only by the .

Notices   

The Bank and the may give notices under these 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 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 s of Axis Bank Internet Banking on its web site. Such notices will have the same effect as a notice served individually to each and or that of a notice published in a newspaper of print media.

Governing Law o

o

o

The 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 will remain responsible for any transactions made on his Axis Bank Internet Banking (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 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 in a country other than India shall not be interpreted to imply that the laws of the said country shall govern these and conditions and/or the operations in the Axis Bank Internet Banking s of the and/or the use of Axis Bank Internet Banking. The of the Axis Bank Internet Banking facility by a person from any place other than India will not alter the situation and the said 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 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 will remain responsible for any transactions made on his Axis Bank Internet Banking (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 is given reasonable notice under the circumstances The closure of all Axis Bank Internet Banking s by the will automatically terminate the facility The Bank may suspend or terminate Axis Bank Internet Banking facilities without prior notice if the has committed breach of these and conditions or the Bank learns of the death, bankruptcy or legal incapacity of the .

General o

The clause headings in this agreement are only for convenience and do not effect the meaning of the relative clause. The 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 Speed Banking       

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 s 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 protected for security

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

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The E statement provided is an optional facility provided to the holders and not a compulsion by the Bank for availing such a facility. On agreeing to subscribe through the E statement, Holder(s) agree to be bound by all the 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, Holder(s) agree, and understand that the Bank shall discontinue the physical statements being sent to the 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 ed email with the Bank. Axis Bank is not liable to the any authenticity of the emails.

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The facility being a optional one the Holder (s) shall not hold the Bank liable if any problem arises with the holder(s) computer network as result of receiving Statements from the Bank. In case of t Holders the t Holders shall not hold liable the Bank for receiving the E statement to the Designated email address of one of the Holder. The 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. 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 Holder confirm to have read and understood the & 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 and conditions as specified therein at the sole discretion of the Bank. Home Speed Banking SMS Banking

SMS Banking SMS Banking

Speed Banking       

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

Get SMS Banking 

for SMS Banking

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SMS Banking numbers: +919717000002 or 5676782*

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Leave your number

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Details Print

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Features Instructions & Keywords How to Fees & Charges How to De- and Conditions

In today's fast business environment with unending deadlines to fulfill and lot of appointments to meet, there is need for an 'that travels with you'. Axis Bank provides you a robust SMS banking facility to access your 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 and prevent misuse of your . 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 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

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 

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

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Minimum Average Balance Alert: A message is sent to your ed mobile number to fund the 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 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 

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Safety: Every debit and credit to your above a certain value is intimated to you. Stay updated on your 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 . 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 ing for SMS Banking Facility

Phone Banking Services Speed Banking       

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

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

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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)

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Information / Services available through Phone Banking             

Information about Products and Services Information about 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 Blocking of Internet Banking 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)

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ATM

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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

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Balance inquiry

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

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Cash withdrawal

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

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PIN change

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

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Mini Statement

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

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VISA money transfer

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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

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Money transfer between linked s

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You can also transfer money between your linked s.

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Request for a new chequebook

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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.

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Mutual Fund payment

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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.

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Insurance payments

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Make your payments easy. Pay s on policies through our ATMs.

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for SMS Banking/NETSECURE

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

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How to Bank Safely Speed Banking       

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

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 Cafés, Libraries. Always 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 Information safety    

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

Axis Bank will not send any requests for your s, Credit/Debit Card numbers, Bank 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 [email protected] Protect Your If you are using Internet banking or any other online , please read below on how to protect your . 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 through any means, phone, fax or in-persons. If any of our bank personnel asks you for your , do not disclose it and report him or her immediately to us. Please write to [email protected]

Keep your top secret and change them often

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

When you create your , 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 very difficult to crack. Never use cyber cafes to access your online s

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 s 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 s 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 the latest security patches for your browser. If you don't have any patches installed, visit your browser's website, for example s 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 , 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 s Do not write them down Do not use the same for all your online s 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 s can work wonders too

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

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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 s on the email, phone or otherwise. Never disclose your s 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 , please report to us. You can send an email to [email protected]. 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 . 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 numbers, Internet banking ids and s, 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 id and . Different techniques are used to lure the recipient to click on the link: validation of information, threat of 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 id and without ing 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   

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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 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 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 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 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. 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 is established, the offer is followed by a request seeking details of bank 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 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 in the name of individuals/companies / trusts in India to hold funds for disbursal.