DISCLAIMER: NEVER respond to any popup, email, SMS or phone call, no matter how appealing or official looking, seeking your personal information such as Username, MPIN/ MTPIN/ UPI PIN, Password(s), OTP, ATM Card details, etc. Such communications are sent or created by fraudsters to trick you into parting with your credentials. Indian Bank never asks you for such details.
IndSMART is Indian Bank’s mobile banking application available in Google Play Store 
and iOS App Store 
for retail users.
Financial and Non-Financial Services
| Financial Services |
Non-financial Services |
| Fund Transfer / Payment services |
Services |
- Own/Within Account Transfer
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- Manage Payee (Add / Edit / Delete)
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- Other Bank Transfer (NEFT,IMPS,RTGS)
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- Easy Pay via Account Number (Within/Other)
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- Add Beneficiary via Easy Pay flow
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- Pay to contact (within bank)
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- UPI Pay – Scan and Pay/UPI Number (Pay to Contact)/UPI ID/Account Number & IFSC/MMID/Global
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Deposits and Account Related services
| Deposits |
Account Related services |
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- Savings/Current/Deposit/Loan/Overdraft Accounts
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- Account Details – CASA/OD/Deposits/Loans
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- Mini Statement/Account statement/Download Statement (period)
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- Loan Interest Rate History
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- Open OD against deposit/e-OD Closure
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Loan Services and Registration
| Loan Services |
Registration |
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- Registration via Mobile Number
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- Authentication via Debit Card
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- Authentication via Green Pin
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- Authentication via Existing IndOASIS MPIN
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Dashboard
| Dashboard |
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- Multi Dashboard with themes
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BBPS and Spend Analyzer
| BBPS |
Spend Analyzer |
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- Goal Planner – Create Goal Account
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- BBPS Biller category and select biller option changes
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Service Request and Wealth Management Related Services
| Service Request |
Wealth Management Related Services |
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- Mutual Fund services – Lump sum / SIP investment in mutual funds
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- Cheque Book Request/Stop Cheque/Revoke Stop Cheque/Cheque Enquiry
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- Invest/subscribe to Mutual Funds, IPO, Demat & Trading
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- E-mail statement registration and De-registration
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- NPS account opening & maintaining
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- Form 15G/H Enquiry/Submission
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- Home Loan/Education Loan Interest Certificate
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- Form 16 A/Form 16 (Pensioner)
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- Video life certificate submission for Bank pensioners
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- NPS Account Registration, Subscription and Standing Instruction
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Security Related Services
| Security Related Services |
- Fingerprint / face id based login facility
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- Change/reset MPIN and MTPIN
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- Forgot Password – MPIN/MTPIN
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- Lock / Unlock transactions
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- Set transaction limits for IMPS, NEFT, Intra-bank transfer and Bill Pay/recharge
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- Enable / disable biometric login
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Shopping and Entertainment related Services
| Shopping and Entertainment related Services |
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- Loyalty Rewards- IndAdvantage
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Personalization
| Personalization |
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- Transaction grouping: Customer originated grouping of default transactions.
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- Beneficiary personalization: Customer personalized default beneficiary list.
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- App Update: Force update / Auto update of the application as per OS version and intimation of the new update availability
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- Limit settings: Provides an option to set limit/capping on value and volume of transaction at application level
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- FAQ: Provides access to Frequently Asked Questions
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- Talk back changes for Low / Visually Challenged – Facility for Voice over
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Card Services
| Debit Card Services |
Credit Card Services |
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- Display all Cards as Card image to select – including Virtual Debit Card
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- View and hide debit card details
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- Manage Card- Lock Card/ Unlock Card
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- Credit Card Billed Statement
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- Credit Card unbilled statement
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- Set Card limit – Existing Limit Enquiry/ Update Limit/channel wise limits
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- Green Pin Generation/ Validation
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- Credit Card Last payment details
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- Card Management –Enable/ Disable (Domestic / International Access)
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Virtual ATM (VATM Services)
| Virtual ATM (VATM Services) |
- Create Withdrawal Request
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- Locate Nearby Authorized Merchants
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UPI
| UPI |
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- UPI Collect – UPI Number/UPI ID
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- Manage Payee – Add payee using
UPI Number/Add payee using UPI ID/Add payee using
Account & IFSC
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- UPI Mandate collect request
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- UPI Number Active/Inactive
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- View Active/Pending/Completed Mandates
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- UPI Number deregistration/reregistration
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- Onetime/Recurring Mandate
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- Set UPI PIN using Debit card/Aadhar
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- Pause/Un pause SI Mandate
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- Forgot UPI PIN using Debit card/Aadhar
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- UPI Global Activation/UPI International
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- Generate UPI Static QR/Dynamic QR
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- UDIR – Raise complaint for failure transactions
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- Mandate Update/Revoke/Execute/Reversal
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- Collect Request – Accept/Reject/Block/SPAM
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