CORPORATE INTERNET BANKING

CUSTOMER GUIDE
A Comprehensive Step-by-Step Guide to Corporate Customers

January 2006

Compiled by Lakshminarayan K V, Manager, State Bank of India IT

Services Department, Local Head Office, Bangalore
 FOREWORD

Corporate Internet Banking (CINB) is set to empower

Corporate Customers viz., Companies/Business Enterprises/
Firms/ Institutions etc) to carry out all banking activities
(except Cash and Clearing) on their desktop, aided by the
power and convenience of Internet. This will bring about a
sea change in the way they transact business, as they take
control of the transaction processes. These processes are
fully flexible, fully secure and have multi level controls.

Moving over to desktop based transactions through Internet

calls for no special infrastructure, simple registration, least
intervention from the branch, instantaneous debits/credits,
least cost of transactions, every control in the hands of
corporate. To enable our esteemed customers to shift
towards desktop banking, this Guide is brought out. The
guide is organized in a simple, user-friendly manner
containing all relevant information for users to easily follow
and practise.

I am sure that all our Corporate Customers will find it

immensely useful and operate Corporate Internet Banking
with ease.

I wish all the Customers a “Happy e-Banking”.

R. Sridharan
January 1, 2006 Chief General Manager

2
 PREFACE

The feedback from the users of Corporate Internet Banking

(CINB) points clearly to the imperatives of learning the CINB
functionalities and processes to facilitate user comfort. With
the release of this User Guide, the customers shall be able
to gain knowledge about Corporate Internet Banking and the
step-by-step procedure to be followed when they have
registered for the CINB facility.

This Guide is organized in a simple, easy to understand

manner. You will find an index to the chapters to facilitate
easy reference. The Guide explains the salient features of
CINB (Vistaar Facility) thus facilitating the customers to
know the power and convenience of Internet Banking. The
chapters in different functional aspects of CINB contain the
detailed step-by-step procedure to be followed at the
customer level. The screen shots used in this guide are
sample screenshots.

This Guide will enable the customers to easily carry out their
transactions from the desktop either from office or home.

We welcome your valuable suggestions, responses through

email (agmcnc.lhoban@sbi.co.in) to bring about
enhancements in the Guide to improve its utility.

Local Head Office Circle Development Officer

January 1 2006

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 CHAPTER 1

INTRODUCTION:

Bank’s earlier efforts on computerisation in the past were focused on

bookkeeping aspects. The objective of the current phase of computerisation is
to deliver substantial benefits of computerisation to the customers.

Corporate Internet Banking is one such innovative product. Corporates are a very
important business segment, both in deposits and advances, and non-fund based
business in its entirety. This segment of business is a constant target of
competitors who are luring them with business and technology features.
Corporate Internet Banking has been designed:
1. To take care of technology part of the competition
2. To deliver service which is tailored to blend with processes within the
Corporate
3. To retain control over all the critical aspects of the transaction, which
fall within the bank’s responsibility and let the Corporate take control
of all other actitivities including the variables within the process.
Thus, what Internet Banking will give a Corporate is a transaction
process which is:
a. Fully flexible
b. Fully secure
c. Has Multilevel controls
d. With no single point of failure

This ensures that the transaction requests emanating from the customer fully
satisfies all internal controls at customer end and all the requirements of the
Bank.

What does Internet Banking mean to a Corporate?

State Bank of India’s ‘Corporate Internet Banking‘ enables Corporate customers

to carry out banking activities from the desktop, aided with the power and
convenience of the Internet. SBI’s objective in developing this service is to
remove the restrictions imposed by geography and time on the ordering of
transactions, while granting full flexibility to the Corporate to manage its
transactional banking, with least intervention and input from the Branch. Even
while banking over the Internet, the Corporate should continue to be vested with
complete control to bind the transactions within its own rules i.e. flexibility for
granting discretionary access on banking accounts to internal users, dynamically
manage permissions on banking transactions and monitor transactions.
Corporate Internet Banking Service will give the Corporate the freedom and
ability to carryout all this with least dependency on the Bank.

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 CHATPER 2

SALIENT FEATURES OF CORPORATE INTERNET BANKING:

2.1 The following Internet Banking features are available to Corporates.

a. Business to Self
i. Funds transfer from one account to another
b. Business to Business
i. Third Party funds transfer
ii. E-payments
iii. E-Receivables
c. Business to Employees
i. Salary and other payments
d. Business to Institutions
a. Payment of EPF contributions
b. Airport Authority of India Payments
c. Port Trust Payments
e. Business to Government
i. DGFT payments
ii. Customs Payments
iii. Online Tax Payments (OLTAS)
iv. Excise Duty Payments

2.2 The following are the highlights of CINB:

• Single debit multiple credits
• Single/ Multiple Authorisations
• Dynamic definition of access control and access rights
• E-payments/E-receipts to/from registered users

2.3 The Modules available in CINB, to suit the Corporate’s requirement starting
from ‘enquiry only’ to end- to- end integration, are

a. KHATA (enquiry only)

Used for enquiry on all accounts at one Branch

b. KHATA PLUS (enquiry only)

Used for enquiry on all accounts at various branches across the country

c. VYAPAAR (enquiry and transaction)

User Profile: For Corporates maintaining account at any one SBI Branch.
Product design: Single Transaction not to exceed Rs.5 lakhs. No limit on
the number of transactions.
Permitted Transactions:
1) Funds Transfer 2) Third Party Payment
3) Draft Issue 4) Payment to Registered Suppliers

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d. VISTAAR
User profile: For corporates maintaining accounts at multiple branches of SBI.
Product Design: Complete range of Online Transactions
Facilities available to our customers in this module:
• Funds Transfer
• Third Party Payment
• Draft Issue
• Payment to Registered Suppliers

Corporate can receive/make payment using this feature.
Transaction related data will flow along with payment message
to the supplier. It facilitates B2B information exchange together
with financial settlement. Ideal for use in routing payment/order
information within Supplier- dealer/ vendor/agents’ network.
• Bulk Upload Facility (Payments file, e-receivables file)

Corporates can upload a file containing transaction details. This
facility will resolve tedious online data entry for multiple
transactions. Salient points of this functionality are:

Seamless integration of company’s system with Bank’s system.

Generally, a business requires features to handle:
 Bulk Payments
 Salaries
 Vendor Payments
 Bulk Receipts
 Sales Invoices
 Bills due
• Information communication between 2 systems and transaction
processing with minimal manual intervention.
• Huge limit on the size of individual transactions
 Request for issue of Demand Draft Rs.1 crore per transaction
 Third party funds transfer upto Rs.100 crores per transaction
and no limit on the number of transactions.

2.4 The following Security features are built into the Site:
• Internet Banking Site Certified by Verisign (a well known company which
issues certificate regarding the safety and security of the site for the
users)
• Site Certified by Reserve Bank of India
• 128 Bit SSL encryption at session level
• HPIN based password Security
• Multiple users and user-level security
• Powered by ‘BROAD VISION’ CRM Servers
• Implemented & Managed by Satyam

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2.5 BENEFITS:

2.5.1. To Corporate

Speed and Empowerment

Banking from the desktop

Banking at convenience

Reduce transaction related workload

Define and manage five-tier security features, on the fly

Permit executives to operate/monitor accounts remotely

Permit executives to participate in transaction authorisation remotely.

Pro-active management of Cash Flows

Ease in reconciliation of entries

MIS at the click of the mouse

Reduction in paper work

2.5.2. To Bank

A happy & satisfied Commercial customer

Paperless – reduced overheads on vouchers, cheque books, statement of
account etc.,

Onus of safety and control over accounts shared with Corporate

Helps in Preparing for introduction of Core Banking

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 CHAPTER 3

ROLE PROFILES IN CORPORATE INTERNET BANKING

3.1 Role Profiles for Corporate Customers:

3.1.1 Administrators

S.No Designation Role/Responsibilities Profile

1 Regulator Overall control of Familiarity with computer
Internet Banking System systems and empowered to
and implementation of review the working of the
security features for the system. Important
whole Corporate. Does communications from SBI
not/cannot participate in will be addressed to him,
transactions. barring those that are
specific to the operational
2 users.
Local Admin Administration of the
Internet Service and Reasonable knowledge of
implementation of system administration.
Security features at
Divisional Level. Does
not/Cannot participate in
transactions.

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3.1.2 Banking Users

1 Super Views Corporate level Basic knowledge of

Enquirer information. computers. Entitled to
know and use the
information relating to the
Company.
2 Account Accesses Division level
Viewer information. Basic Knowledge of
computer. Entitled to
peruse bank accounts.
3 Cheque Access to Division level
Writer OR accounts and Generates Basic knowledge of
Maker transactions on the computers.
accounts assigned to
him.

Cheque Access to Division level Basic knowledge of

4 Signatory or information. Authorizes computers. A “signing
Authorizer transactions on the officer” in common
accounts within parlance.
specified limits. By
default Signatory has
access to the functions
of Cheque Writer.

5 Approver Access to Division level Basic Knowledge of

information. Approves computers. An
transactions that are intermediary officer
generated by Cheque between Maker and
writer & facilitates Authorizer.
authorization by
authorizer

6 Uploader Uploads bulk Basic Knowledge of

transactions for computers. A facilitator
authorization. Access for putting through bulk
to all accounts. transactions like salary
payments etc.,

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3.1.3 Auditors

1 Auditor To take a quick second Basic knowledge of

look at the transactions computers.
post-facto and follow-
up off-line.

Note:
The Profile description is intended for Corporate’s guidance. SBI branches need
not know whether the executives/employees entrusted with various roles within
the Corporate match our prescription.

Administrators nominated by the Corporate are created on the Web system by

the SBI branch where the accounts are maintained. For example, if the principle
account is in Delhi, then they will register the Regulator and one administrator
for Delhi accounts. On the other hand in respect of the Corporate accounts at
other places say Bangalore, Mumbai etc., the Local Admin will be created by
respective branches of SBI under the same Corporate Id.

The Administrators in turn will create all other users within the Corporate.
Every role holder from Regulator to Auditor, created in the system will get a
User-ID and Password directly from the Bank. It is mandatory for the User to
change these on first login.

It would be of practical advantage to associate users with a unique employer

number in all cases. This could be a number given by the Corporate or may be
even his PF number. When a Local Admin sets out to create Ashok Sharma on
the system as a Banking User, the software will first verify whether Ashok
Sharma has already been created by another administrator as a user earlier. If
he is an existing user, the system will display his profile and seek confirmation.
On confirmation Ashok Sharma will join the user list for that Local Admin.

Not having a unique employee number is not a bar for use of the Internet
Banking system.

Corporate designates a Regulator for implementing operational controls as

specified by the Board.

The Regulator after registration and receipt of User-ID and Password from the
Bank will login and set up the Corporate policy on control & security.

Regulator can then create Portfolio Viewer (Super Enquirer), who will have
unlimited enquiry facility on all designated accounts of the Corporate at branches
which are connected to the Internet Banking Service.

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 After receipt of Corporate ID from the Bank, the Corporate applies for access to
Internet Banking Service at each SBI branch where they maintain accounts,
(provided the said branch is connected to the Internet Banking Service)
designating at least one Local Admin for each branch (For e.g. Local Admin-
Delhi, Local Admin – Mumbai). Corporate may parameterise the system to
provide transactional freedom to divisions/accounting units and yet retain global
view/ control for itself or one Administrator at the Corporate Office/Head Office
of the Corporate customer can operate on all the accounts maintained at various
branches from a central location.

Registration of more than one Local Admin per branch is permissible (For e.g.
Local Admin – Delhi (1) & Local Admin – Delhi (2)).

Registration is required for every Local Admin in case the Corporate desires to
have more than one Local Admin. Further, distribution of the accounts at a SBI
branch between the Local Admins needs to be as per rule in the footnote in Form
C3.

The Local Admin creates users and maps accounts to them. He also assigns
appropriate rights to each user on each account.

Local Admin sets up signing powers (operating instruction) on the Internet

Banking system in line with the Board resolution.

Note on the account numbering system followed by the SBI:

The Account number assigned by SBI to a Corporate’s bank account in case of

Bankmaster branches has 11 to 13 digits. Digits 6 to 11 (both inclusive) form the
customer ID.
Customer ID is the only basis for assigning accounts to a Local Admin.
Accounts opened in future bearing the same customer-ID will automatically get
assigned to this Local Admin.

Account Number assigned by SBI to a Corporate’s bank account in case of a Core

Banking branch is 11 digits but while entering the account number totally 17
digits have to be entered (I.e., Prefix the 11 digit account number with 6
zeroes).

Accounts opened in future bearing the same customer-ID will automatically get
assigned to this Local Admin.

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The concerned SBI branch validates the Operating Instructions set up by the
Local Admin over the Web system ensuring that it is in compliance with the
Board resolution.

Wherever an Operating Instruction is not validated by the branch (e.g. incorrect

rule, nullified rule etc), an alert is posted to the Regulator/Local Admin for his
intervention and resolution with SBI. By implication, branches should ensure that
validation is done quickly- on the same day.

SBI’s Corporate Centre will send User-ID and Password directly to all categories
of Banking Users. Branch is not involved in this process. However, if there is any
undue delay in receipt of User-ID etc, branches can ring up 022-27566067/
27868721 to expedite.

The Corporate is now empowered to inquire and conduct transactions on the

Internet.

The Corporate may opt for the auditor feature to take a quick second look at the
transactions on the Internet, and for offline follow-up of any irregularities. There
can be only one Auditor per account but multiple accounts (without limit) can be
entrusted to an Auditor.

There is no limit to the number of Local Admin, Banking Users and Auditors,
which a Corporate may create.

3.3. Concept of E-cheque:

Whenever a Corporate puts in a financial transaction request, a virtual cheque

(called E-cheque) is generated. E-cheque numbers would be account specific and
unique for a corporate. System would automatically allot a range of E-cheques
for every account and the Local Admin can view the E-cheque ranges allotted to
transaction accounts. When the allotted range is exhausted, system allots the
next available range of numbers automatically. There would be no concept of
applying for E-cheques. The obvious limitation of E-cheque is that it cannot be
issued to third parties. Hence, Corporate who avail Internet Banking Service will
continue to use physical cheques.

It is important to note that a E-cheque is a non-negotiable mandate on electronic

format on the branch, and hence does not attract the provisions of the
Negotiable Instruments Act 1881.

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 CHAPTER 4

4.1 GETTING STARTED:

4.1.1 Corporate Customers can visit the site www.onlinesbi.com/corporate and

find out whether the branch, in which the accounts are maintained, is enabled to
offer Corporate Internet Banking.

Click here to find your

branch in the list of
CINB enabled
branches

13
4.1.2 Customers can download the Forms for Khata, Vyapaar, Vistaar from the
following site:

Forms for Khata Forms for Forms for

facility available Vyapaar Vistaar and
here facility Khata Plus
available here facility available
here

4.1.3 Customers should fill up the forms and submit to the branch, duly signed
by authorized signatories.
1. Khata – Form C1 - Registration Forms and Form C4 - Terms
of Service forms
2. Khata Plus – Form C1, Form C3, Form C4
3. Vyapaar – Form C1, C3, C4, C5- Board Resolution
4. Vistaar – Form C1, C2, C3, C4 and C5 – Board Resolution

Form C1 – Registration form for Corporate to be registered

for CINB

Form C2 – Registration form for Regulator

Form C3 – Registration form for Administrator

Form C4 – Terms of Service

Form C5 – Board Resolution

Note: In case, the Corporate is a partnership firm or proprietorship firm, then

instead of Board Resolution, a letter of undertaking (signed by all the partners in
case of partnership firm and by the proprietor in case of proprietorship firm)
should be submitted and such letter of undertaking should contain all the
words/phrases/clauses that are in Form C5.

14
4.1.4 The branch will upload the details and register the customer for CINB
facility. For Khata Plus, Vyapaar and Vistaar facility, the branch will generate a 4
digit unique Id called “Corporate Id” and advise the customer. The branch will
also create a Regulator(in case of Vistaar only) and Administrator (in case of
Khata Plus, Vyapaar and Vistaar). The User Id and Password for Regulator and
Administrator(s) will be dispatched from the Bank and Customers will receive
within 7 or 10 days.

4.1.5 The Regulator, after registration and receipt of User-ID and Password from
the Bank, will login and set up the Corporate policy on control & security.

Regulator will then create Portfolio Viewer, who will have unlimited enquiry
facility on all designated accounts of the Corporate at branches which are
connected to the Internet Banking Service.

4.1.6 Administrators, nominated by the Corporate, are created on the Web

by SBI.

The Administrators, in turn, create all other users within the Corporate and
maps accounts to them. He also assigns appropriate rights to each user
(Maker/Authorizer/Enquiry rights).

The Local Admin creates users and maps accounts to them. He also assigns
appropriate rights to each user.
Local Admin sets up signing powers in the operating instruction on the Internet
Banking system in line with the Board resolution.

4.1.7 Every role holder from Regulator to Auditor, created in the system will
get a User-ID and Password directly from the Bank. It is mandatory to
change these on first login.

It would be of practical advantage to associate user names with a unique

employer number in all cases. This could be a number given by the Corporate
or even his PF number. When a Local Admin sets out to create Ashok Sharma
on the system as a Banking User, the software will first verify whether Ashok
Sharma was already been created by another administrator or as a user
earlier. If he is an existing user, the system will display his profile and seek
confirmation. On confirmation Ashok Sharma will join the user list for that
Local Admin. Not having a unique employee number is not a bar for use of
the internet banking system.

15
 VISTAAR FACILITY

4.2 REGULATOR:
Regulator should use the Userid and password received from the
Bank. On first login, the Regulator is forced to change the user id
and password.

The following are the options available for Regulatore once he logs on with
his user id and password.

Regulator can
modify
Corporate
Profile as per
the policy laid
down by them

1. Can set DD limit – represents

the amount upto which
Demand Draft can be requested
to be issued by the branch.

2. Denotes Maximum Amount

that can be paid to Third Party.

1. If Corporate has opted for

Auditor feature, then the
value should be Yes.
2. If Yes, No. of e-Payorders
that can skip auditing has to
be mentioned here
3. If Yes, Threshold amount
upto which the auditing
should be skipped, has to be
mentioned here

16
 1
2

3 Please
4 see
below
5

1. If Maker is allowed to authorize the transactions then value

should be ‘Yes’, else ‘No’
2. If Maker or Authorizer can create Third Party in the system,
then ‘Yes’, else ‘No’. Please note if the value is Yes, then
Maker can create and Administrator has to approve such
creation. Whichever maker has created third party, he only
can create transaction to that third party. Other makers
cannot make payment to that third party.
3. If Administrator can create Third Party in the system, then
‘Yes’, else ‘No’.
Please note that if point No.2 above is ‘Yes’ then it is
preferable that point No.3 shall be ‘No’ or if point
No.2 is ‘No’ then point No.3 shall be ‘Yes’.

If both point no.2 and point no.3 is ‘Yes’, then Administrator

created Third party cannot be viewed by Maker and
Authorizer (who have the rights to create Third Party) and
no payments can be made. Only third party created by
Maker/Authorizer can be viewed and payments made.
Therefore, customers have to be careful while delegating the

17
 powers in creating Third party. This shall be illustrated with
an example as under:
Mr. A – Administrator
Mr. B – Maker
Mr. C – Authorizer
Mr. X - Third Party

X has to be created as Third party in the system by

mentioning his name, account number and the
branch where his account is maintained. If Mr. A
creates X as third party, then any payment to X
cannot be made by Mr.B & Mr.C because Third Party
is not created by B or C. Mr.B & Mr.C can make
payments to third parties created only by them.

4. Invalid Credit Action?

Two options are available.
a. Do not post transaction – If this option is
selected, then any mistake in the credit
account no. will result in rejection of the entire
batch and no transaction will be posted.
b. Post valid debit amount – If this option is
selected, then any mistake in the credit
account no. will result in rejection of that
particular transaction and all other valid
accounts will be credited by a reduced amount
to the debit account.

5. Level of Approver ?

Options available are

a. None - If the Corporate does not opt for Approver

(a user in between Maker and Authorizer who will
approve the transactions and facilitate easy
authorization for the authorizers).
b. File Upload Only - Approver is opted only in case of
bulk payments (by way of uploading the file)
c. Online Transactions – Approver is opted only in case
of Online transactions (single debit single credit or
single debit multiple credits)

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 d. Both – Approver is opted for all types of
transactions either File Upload or Online
Transactions.

Regulator can also perform the following activities:

1. View all the Authorizers created in the system for

authorizing INB transactions.
2. He himself can add Third Parties or Delete Third Parties
3. He can add or delete DD beneficiaries.
4. He can configure the file required for bulk upload (salary
payments etc.,) (See Below)
5. He can create, view, lock, unlock Super Enquirer
6. He can also create Uploader users.

Regulator can configure the file for upload (bulk payments like salary
payments etc.,) as under

The file structure can

be D elim ited File
w ith # or any o ther
character as
delim iter. The file
structure can also be
a fixed length
structure.

The file should contain

all the fields
mentioned here but
the order of the fields
can be modified
according to
Corporate’s needs

Note: The Regulator has to compulsorily Configure the file for the first
time so as to enable the Uploader user to upload the file for bulk
payments like salaries etc.,

19
4.3 ADMINISTRATOR:

Administrator should use the Userid and password received from

the Bank. On first login, he is forced to change the user id and
password.

Options available for

Administrator.

1. Administrator can
a. Manage Users:
i. Add users – maker, enquirer, authorizer
ii. View the users – Details of users can be viewed
iii. Modify users – Modification can be made
iv. Lock/unlock users – Lock/unlock whenever user goes on
leave/resigns
v. View dispatch status of userid and password for the users
vi. Add/edit/delete approver user.

b. Manage Access Rights:

i. Add Access rights – Rights to users to access certain
accounts of the company/firm
ii. View Access Rights – Rights given to users can be viewed

20
 iii. Modify Access Rights – Any changes like changing account
number or changing maker to authorizer or vice versa can
be done.
iv. View by Account – He can view account wise - the number
of users and their rights.

c. Manage Rules:
i. Add Rules – He can specify in the system as to which user
can authorize up to what amount and whether single
authorization or joint authorization.
ii. Modify Rules – If there is change in the amount or type of
authorization i.e., single or joint authorization, then it can be
modified.
iii. View by User – View the rules user wise.
iv. View by Account – View the rules account wise.

d. Manage Audit Users:

i. Add Audit User – If the Company/Firm has opted for Audit
feature, then administrator can add audit users
ii. View Audit User – Can view the details of Auditor users
iii. Modify Audit User – Modify the Audit user whenever
required.
iv. Lock Audit user – Whenever Audit user goes on
leave/resigns, the user can be locked.
v. Dispatch Status – Can know the dispatch status of the user
id and password for Audit User.

e. Manage Suppliers:
i. Map/Edit Suppliers – Suppliers are those to whom regular
payments have to be made. Example Indian Oil
Corporation, Hindustan Petroleum, Bharat Petroleum,
Employee Provident Fund Organisation, GAIL etc., If the
company/firm has to pay to any of these suppliers as
mentioned above, then Administrator can map suppliers.
ii. View Supplier Status – Can view the status of the suppliers
who have been mapped.

f. Manage Passwords:
i. Audit Users - All Audit Users passwords can be managed
ii. Corporate Users – Passwords of Users like makers,
authorizers, uploader, enquirers etc., can be managed by
Administrator. If the user has forgotten profile password
(required to update the profile of individual user) or
transaction password (required for putting through/

21
 authorizing the transactions), then Administrator can reset
the password. Users will be asked to set the profile
password/transaction password once again after their login.
But if the user has forgotten the Login Password, then
Administrator can choose the ‘Manage Password’ option and
arrange for redispatch of Login password from the bank
directly to the user who has forgotten. This is done as a
part of security measure.

g. Bill Payment:
i. Add Biller – Administrator can add billers to pay bills online.
Billers are service providers, eg Electricity (BSES), Telephone
(MTNL), Mobile (Orange), etc who raise bills periodically and
receive electronic payments. To be able to receive and pay
your bills online, you need to create your list of Billers (i.e.
for the bills you want to pay). To add Billers, you would first
need to select the city where your Biller is located, and then
choose the specific Biller you wish to pay.
ii. View Biller – View the list of billers that have been added for
making payments
iii. Edit Biller – Edit the biller details in case mistake has been
committed
iv. Delete Biller – If you do not wish to make payments
anymore, then you can delete the particular biller.

h. Manage Third Party:

i. Add Trusted third party – You can transact with others by
defining them as Trusted Third Party. You can make
payments to these Third Parties once you add them.
ii. Delete Third Party – Delete the third parties when you do
not wish to make payments anymore.
iii. Approve Third Parties – Third parties can also be created by
makers (if allowed by Regulator). Such Third Parties created
by makers can be approved by Administrator.
iv. Add DD beneficiaries – He can add the beneficiary details in
case the company requests the branch to issue a demand
draft.
v. Delete DD beneficiaries – Delete the beneficiary details if the
company does not wish to request for DD issue anymore.

i. Others:
i. View Pending Transaction – Can view all transactions which
are pending for authorization.

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 ii. Add Uploader user – If uploader user is required for the
company/firm for bulk payments like salary etc., then
administrator can create uploader user.

The following are the sample screen shots of the options available for
Administrator.

Add User:

Key in the details of

the user and click
on ‘Confirm’

23
Add Access Rights:

Add the access rights – Enquiry

only or Maker or Authorizer and
click on ‘Confirm’

Modify Rights:

Select the name of the user to

whom access rights have to be
modified

24
 Access rights from Maker
can be changed to either
Authorizer or Enquiry
only.

ADD RULES:

Admin can add rules by mentioning the

Amount and type of Authorization whether
Single or Joint and click on ‘Go’. If the
Amount is unlimited, then value should be
‘INF’

25
 Verify with
board
resolution and
confirm the
same.

Joint Authorization –
Options are Any one
authorizer with other
or Any two of the
authorizers

26
 Compare with Board
Resolution and click
on ‘Confirm’

Any modification with respect to the amount, type of authorization can

be done by selecting the option ‘Modify Rules’.

Add Audit User:

Feed the particulars of

Auditor.

Specify the a/c no.

threshold number of txns
and amount to skip
auditing
Note: No. of Txns &
Amount will be the same
as fixed by the Regulator.
You cannot reduce or
increase.

27
Map/Edit Supplier:

Map Supplier with all

relevant details and
click on ‘Confirm’. The
users can then start
paying to the
suppliers.

Manage Passwords:
Audit User:

If Auditor has forgotten

profile password, then
Administrator can reset.

If Auditor has forgotten

Login Password, then
Admin can arrange for
redispatch of fresh login
password from SBI.

28
 Corporate User:

1. Transaction Password
and Profile password can
be reset by Administrator
if the users have
forgotten.

2. If users have forgotten

Login password, admin
can arrange for
redispatch of password
from SBI.

Bill Payment:
Add Biller:

Billers are service providers

like Electricity Board, MTNL,
BSNL, Airtel, Hutch, LIC etc.,
To be able to make bill
payments you have to add
billers first by selecting the
city where the biller is
located and choose the
specific biller whom you
wish to pay.

29
Certain Billers require registration of the customers. In such cases,
you have to wait till the confirmation of your registration comes from
the biller. Example – Electricity board (BESCOM).

Manage Third Party:

Add Third Party

3P-Third
Party

Key in the 3P name,

account no. and select the
branch where Third Party
maintains his account.
Once this is done,
payments can be made to
third party easily

30
Add DD beneficiaries:

Key in the DD
beneficiary details so
that you can request
branch online for issue
of Demand Draft

Others:
Add Uploader user:

Feed the
particulars of
Uploader user and
click on ‘Confirm’.

31
MAKER: HIS ROLE/RESPONSIBILITIES

Maker is a person who prepares the transaction in the Internet Banking system
and generates e-payorder. These epayorders shall be authorized by Authorizers.
If the company has opted for Approver, then transaction will first be approved
and then only be moved to authorizer’s inbox for authorization.

The following are the sample screen shots of options available for Maker.

Options available for Maker. The

options are explained below.

1. As soon as the Maker receives user id and password from the bank, he
has to logon on to www.onlinesbi.com/corporate and login with the user
id and password and change the user id and password.
2. Maker should click on Profile option and set the profile password
and transaction password for the first time (screen shots
available in another page of this guide)
3. Options available are
Authorization
a. View Inbox – When maker is allowed by Regulator to authorize the
transactions, then Maker has to click on the option View Inbox,
select the particular transaction and authorize.

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b. Bulk Inbox – When maker is allowed to authorize the transactions,
he can click on the option Bulk Inbox to authorize all Bulk
transactions uploaded by the Uploader user.

Manage Transactions
a. Edit/Cancel – Maker can edit/cancel a particular transaction if any
mistake has been committed by him. This has to be done before
authorization.
b. Cancel Pending - Maker can cancel all pending transactions that
are not authorized by the Authorizer due to some reasons.
c. Reschedule – If maker has scheduled a transaction for a future
date/time, he can reschedule the transaction for a different future
date/time.

Query
a. By Account – Maker can enquire on the accounts mapped to him
regarding balance, transactions etc.,
b. View/Print Payments – Maker can view or print the payments made
by him (e-payorders generated by him)

Creation
a. Demand Draft – Whenever company requires demand draft to be
purchased, maker can create a request for issue of demand draft.
The transaction, once authorized will land at the branch and the
branch will print the demand draft and send it to the company for
further dispatch to the beneficiary.
b. Funds Transfer – Transfer of funds from one account of the
company to another account either at the same branch or different
branch.
c. Third Party – If the company wants to make payment to third
party, then maker has to click on this option, select the third party
and generate e-payorder. Once the transaction is authorized, third
party account is credited.
d. Pay Supplier – If the company has to make payment to suppliers
like EPF organizations, IOCL, HPCL etc., then the maker can select
this option and make payment.
e. View/Pay Bills – Select this option to make bill payment like, Mobile
bill, Electricity bill etc.,

Govt. Payments
a. Indirect Taxes - If the company has an obligation to pay Excise
duty to the Govt. then maker has to select this option, input the
assessee code and make payment.

33
How to set Profile Password and Transaction password ?

Login as Maker
Click on Profile
option.
Set New profile
password
Retype the
password and click
on ‘Confirm’

To set the transaction

password, click on the
option “Transaction
password”. This option is
available under “Profile
Option”

34
 Set the new transaction password
and click on ‘Confirm’

How Maker can make payments to Third Party?

1. Schedule the debit by

selecting the correct
option

2. Feed the amount,

description and select the
Third party from dropdown
menu and make payment.
You can make to more
than 1 third party by single
debit.

35
 Single debit and
multiple credits
payment screen

e-Pay order generated.

Txn pending for approval. Approver has to

approve and move to authorizer’s inbox.

Note: If the company has opted for

Approver then only approver has to
approve otherwise the txn will directly go
to authorizer’s inbox

36
How Maker can do fund transfer between the accounts of the
company?

Select debit a/c no.

and credit a/c no. fill
in amount and
description and click
on ‘Confirm’

E pay order is
generated and
txn is pending for
approval. If
company has not
opted for
approver, then
txn will go to
authorizer’s View
Inbox

37
APPROVER:

Approver is a person in between Maker and Authorizer who will approve all the
transactions done by the maker in order to facilitate authorizer in authorizing the
transaction with ease. However this Role is optional. The company/firm can
decide whether to have such a role in the Internet Banking system.

Approver has to login and click on the e-PayOrder number

and approve the transaction after verifying the
genuineness.

Approver can approve

and move txn to
authorizer inbox or reject
the transaction. He can
also print the txn before
moving to authorizer
inbox. He can do so by
clicking on the correct
option

38
AUTHORIZER:

Authorizer is a person who will authorize the transactions that are made by
Maker (approved by approver if the company/firm has opted for approver role).
Upon authorization, the transaction amount will be debited to the Account and
credited to either another account of the company in case of Funds Transfer or
account of the Third Party in case of Third Party transfer. Authorizer, apart from
authorization, can also create transaction, query by account, view/print
payments etc., Transactions created by him cannot be authorized by himself,
somebody else has to authorize.

Authorizer should click on ‘View Inbox’ and

then click on each e-payorder, verify the
particulars.

39
 Verify the
details and click
on ‘Authorize’.
You can also see
that the
epayorder is
approved and
his/her name
appears

Type the transaction

password and click
on ‘Go’. The
transaction will go to
another authorizer’s
inbox if there is joint
authorization or in
case of single
authorization
transaction will be
debited to the
account and credit
will be passed on.

40
 Txn has gone to
another
authorizer’s inbox
as there is joint
authorization
required.

Observe that first

authorizer’s name
appears on
epayorder

Second authorizer
should login, click on
‘View Inbox’, select
the transaction, give
his transaction
password and
authorize.

41
 On second
authorization, debit
will be successful and
accordingly feedback
will be given to the
authorizer. In this
sample screen shot,
since the transactions
are not live, it shows
Authorized, Pending
Debit…

Observe that
Authorizers’ name
appears on epayorder

Uploader:

Uploader is a user created by the Administrator of the company/firm. No

document is required to be submitted to Bank. Uploader’s role is transactional.
He participates in bulk upload of data for salary payments, dividend warrant
payments etc., He should generate test file from the file structure defined by
Regulator. He should, for the first time, upload and approve a test file. Then
only he can upload the live file for payments. He is not attached to any one
account or authorizer. He has access to all the accounts of the company/firm.
Uploader role is optional for the company/firm.

42
The following screen shots explain the detailed functions of uploader user.

Step-by-step procedure to be followed by uploader user for uploading transaction

files:

1. View Configuration – Uploader has to view the configuration of the

file that has been configured by Regulator. Depending on the
structure of the file, uploader should prepare a simple text file
(ASCII file).
i. If Regulator has configured the file as delimited file –
Uploader should first ensure the order of the fields.
Example: If A/c No. is the first field, date of transaction is
the second field, debit branch code is the third field and so
on, the uploader should ensure that the text file, which is
generated for uploading purpose, should also contain the
data in the same order.
ii. After each field, the delimiter character should be input to
enable the system to understand that it is end of field and
the value thereafter pertains to the next field.
iii. Each amount either debit or credit should be separate and
one line below the other.

43
 iv. When there is a value in debit amount field, there should not
be any value in credit amount field, not even zero. Same
way, if there is a value in credit amount field, there should
not be any value in debit amount field, not even zero.
Otherwise, the transactions will fail at the time of
processing. The sample data is shown below:

A/c No. Dr Br Date of Debit Credit Unique Transaction

Code Transaction Amt Amt Ref. Narration
No.
01600123456 08586 05/01/06 2 123456 Salary Credit
01000456789 08586 05/01/06 1 123456 Salary Credit
01000234567 00813 05/01/06 1 123456 Salary Credit

v. Unique reference number – For every debit transaction, the

reference number should be unique and credit transaction
shall also contain the same reference number for easy
identification of the batch and reconciliation. If you try to
upload two batches of transaction with the same reference
number, then the system will reject the batch saying
‘Duplicate Reference Number’.
vi. In one single file, you can upload any number of batches of
debit and credits. But each batch should be differentiated
with unique reference number.
vii. If the Regulator has configured the file as Fixed Length (see
picture in the next page), then start position and end
position has to be defined by the Regulator. But, it is
suggested that Regulator configures a Delimited File
only.

Sample Test File with delimited file configuration:

01100094001#00813#05/01/06#10000##A123456#Salary Credit
01190095001#00813#05/01/06##2000#A123456#Salary Credit
01190095002#00813#05/01/06##2000#A123456#Salary Credit
01190095003#00813#05/01/06##2000#A123456#Salary Credit
01190095004#08988#05/01/06##2000#A123456#Salary Credit
01190095005#06866#05/01/06##2000#A123456#Salary Credit

44
File configuration
with fixed width
fields.

File configuration
with Delimited
file structure.

45
Upload Test file:

Before uploading real time transaction files, you should upload a test file to
ensure that the file configuration done by your corporate administrator /
regulator is valid.

Note: Please allow 30 minutes for test file processing and for
generation of your test e-PayOrder.

Approve Test File:

You should approve the uploaded test file to enable real time transactions. Click
on the serial number of the test file to view the e-PayOrder. Check if the
generated e-PayOrder details are accurate and answer the question at the end of
the e-PayOrder with "Yes" or " No" radio button and confirm your answer.

Upload File:

You can upload a transaction file based on which transactions can be enabled
over onlinesbi.

Batch Inbox:

The batch inbox displays a list of all files you have uploaded and their respective
status.

Download by Date:

You can also download the processed transactions by date. You can generate a
transaction file by defining criteria for your search and download the file.

Alerts:

You may choose to be alerted whenever a new e-PayOrder is being made or

being authorized.

46
 Browse for the test file which you have
prepared for uploading and attach it

After selecting the file, click on ‘Upload’ to

upload the file

47
 You should note the serial number of
the test file and wait for 30 minutes
for test file processing and
generation of test e-PayOrder.

Please observe that the test file you have

uploaded has been processed. Click on the Txn
Serial Number for further approval of the
transaction

48
 e-Pay Order
has been
generated and
below you can
see the various
credits

Click on ‘Yes’
and click on
‘Confirm’ to
approve the
test file

49
 See the message ‘Test transaction file
successful. Now you can upload your
real time transaction files for
processing.

Select the option ‘Upload File’ and browse for the

test file to be uploaded and select the option for
validating credit accounts. The options available
are ‘Do not validate credit accounts’ or ‘Validate
Credit Accounts’. Click on ‘upload’

50
 Serial Number for the file is
generated. After 30 minutes
click on the option Batch Inbox
to view the file status. The file
status should be “Processed”

Note that the file is processed. Click on File

name to see the status of individual
transactions. If all the transactions are
successful, then you can generate epayorder
and send it to authorizer for authorization.

51
Auditor user:

Auditor user is created by Regulator/Administrator. For this, the company/firm

need not submit any form/document to the Bank. This role is optional for the
company/firm. Auditor will conduct post audit of transactions carried out by the
Corporate. Company can fix up a threshold limit with regard to number of
transactions/amount upto which auditing can be skipped. Once the threshold
limit is reached, then all the transactions have to be necessarily audited. Unless
audited, company cannot put through further transactions.

The following are the sample screen shots for Auditor user:

Once the unaudited e-pay order

reaches the threshold limit, then
auditor will be able to audit the e-pay
order

52
What is a Rule? How to create it?

Rule is Operating Instruction given by the Company/Firm to the Bank. The

Operating Instruction defines the financial powers of the various executives of
the Corporate who will be authorizing the transaction on an account. These are
the executives empowered to sign cheques on the bank account, on behalf of
the corporate.

From among the users defined as Authorizers/Cheque Signatories on a given

account, the Administrator sets up operating instructions either on single
authorisation mode or joint authorisation mode, as provided in the Board
Resolution. Whenever the branch uploads/download data, a print out will also
get generated along with other transaction requests, listing the Account Number
and Name of the Corporate for which an operating instruction needs to be
validated on the Web system. This rule (operating instruction), set up by
Administrator, has to be verified by branch officials and ensure that the
instructions created in the Web system are as per latest Board Resolution
/Mandate submitted by the company/firm.

Please note that any deviation, while creating the operating instruction
on Web system, from that of Board Resolution, the rule will be rejected
by the Bank. Company/Firm cannot put through any transaction
unless the rule is authorized by the Bank.

You can add any number of rules to an account depending upon the financial
powers of various executives of the company/firm.

If the company has decided to have joint authorization, then it has got two
options.

a. Any one of authorizers with any one of the other authorizers –

Example If Mr. Akbar, Mr. Bhaskar, Mr. Chandru, Mr. Xavier, Mr.
Yeshwanth, Mr. Zeeshan are the authorizers and if you choose this
option and choose Mr. Akbar and Mr.Xavier, then only Mr. Akbar and Mr.
Xavier can authorize the transactions and will first have to be authorized
by Mr. Akbar and then only by Mr. Xavier.

b. Any two of authorizers – Of the above example, you can select any
two of Mr. Akbar, Mr. Bhaskar, Mr. Chandru, Mr. Xavier, Mr. Yeshwanth,
Mr. Zeeshan and create the rule. In this case, out of six authorizers,
any two can authorize.

The sample screen shots are available in the next page.

53
The sample screen shots are as under:

Single Authorization:

Rule creation for

Single
Authorization.
Key in the
amount, select
‘Single’ and
click on ‘Go’

Select the authorizers

from the list and click
on ‘Go’

54
 Verify once again that
you have created the
rule as per Board
Resolution/Mandate
submitted to the
branch. Once you are
satisfied, click on
‘Confirm’

You can observe that the authorization

rule has been successfully setup. This
rule has to be authorized by the branch.

55
Joint Authorization:

Select the a/c, key in the

amount and select ‘Joint’
as type of authorization

Select one
authorizer from the
first box and one
authorizer from the
other box. Click on
‘Go’

56
 Verify that the
rule has been
created correctly
as per the Board
Resolution
/Mandate
submitted to the
branch.

Observe that the rule created has been

successfully setup in the system.

57
Joint authorization with option of
Any two authorizing the transaction

Select all the

authorizers. Any
two from the list
of authorizers will
be able to
authorize the
transactions

58
 Verify that rule
created is
according to
Board
Resolution
/Mandate
submitted to
branch. Then
click on
‘Confirm’

Observe that the rule has been

successfully setup in the system.

59
60