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IndSMART

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 and for retail users.

IndSMART

Financial and Non-Financial Services
Financial Services Non-financial Services
Fund Transfer / Payment services Services
  • Own/Within Account Transfer
  • Manage Payee (Add / Edit / Delete)
  • Other Bank Transfer (NEFT,IMPS,RTGS)
  • Set Favourites
  • Easy Pay via Account Number (Within/Other)
  • Add Beneficiary via Easy Pay flow
  • Pay to contact (within bank)
  • View Favourites
  • Schedule Transfer
  • Standing Instructions
  • V-Collect Transfer
  • Transaction Lock &Unlock
  • UPI Pay – Scan and Pay/UPI Number (Pay to Contact)/UPI ID/Account Number & IFSC/MMID/Global
  • Overall Transactions
  • Cardless Cash Withdrawal
  • M – Passbook
Deposits and Account Related services
Deposits Account Related services
  • View Deposit Rate
  • Savings/Current/Deposit/Loan/Overdraft Accounts
  • Deposit calculator
  • Show/Hide Balance
  • Opening of term deposit
  • Account Details – CASA/OD/Deposits/Loans
  • Closure of term deposit
  • Mini Statement/Account statement/Download Statement (period)
  • View deposit accounts
  • Loan Interest Rate History
  • Open OD against deposit/e-OD Closure
  • AQB/AMB
  • MSSC/NSC/KVP Opening
  • Loan Repayment/Schedule
Loan Services and Registration
Loan Services Registration
  • Registration via CIF
  • Registration via Mobile Number
  • Authentication via Debit Card
  • Authentication via Green Pin
  • Authentication via Existing IndOASIS MPIN
  • Set M PIN
  • Set TPIN
  • Set Secret Questions
  • Know Your CIF
 
Dashboard
Dashboard
  • Account Details – Card
  • Account summary card
  • EMI calculator
  • Profile
  • Widgets
  • Multi Dashboard with themes
BBPS and Spend Analyzer
BBPS Spend Analyzer
  • Bill Payments
  • PFM Dashboard
  • Manage Billers
  • Budget Planner
  • Bill Payment History
  • View Budget
  • Quick Recharge
  • View Statement
  • Non BBPS Biller payment
  • Goal Planner – Create Goal Account
  • BBPS Dispute Resolution
  
  • BBPS Biller category and select biller option changes
Service Request and Wealth Management Related Services
Service Request Wealth Management Related Services
  • Door step banking
  •  Mutual Fund services – Lump sum / SIP investment in mutual funds
  • Cheque Book Request/Stop Cheque/Revoke Stop Cheque/Cheque Enquiry
  •  Invest/subscribe to Mutual Funds, IPO, Demat & Trading
  • Pension Slip
  •  Invest in NPS
  • Positive Pay of Cheque
  • Create ASBA
  • E-mail statement registration and De-registration
  • Apply IPO
  • Add/View/Delete Nominee
  •  NPS account opening & maintaining
  • Raise Complaint
  •  Open / Credit to PPF
  • Find IFSC
  • Apply for Insurance
  • View Complaints
  
  • Change Home Branch
  
  • Form 121 Enquiry/Submission
  
  • E-Services
  
  • Income Tax Payment
  
  • Balance Certificate
  
  • Home Loan/Education Loan Interest Certificate
  
  • Form 16 A/Form 16 (Pensioner)
  
  • GST Number Update
  • Request Locker Facility
  
  • Video life certificate submission for Bank pensioners
  
  • Online Account opening
  
  • Announcement message
  
  • Convert SB to NRO
  
  • NRI Call Back Facility
  
  • NPS Account Registration, Subscription and Standing Instruction
  
  • Doorstep banking
  
  • Free Credit Score
  
  • View Site Map
  
  • Weather link in prelogin
  
Security Related Services
Security Related Services
  •  Fingerprint / face id based login facility
  •  Auto read of OTP
  •  Change/reset MPIN and MTPIN
  •  Forgot Password – MPIN/MTPIN
  •  Lock / Unlock transactions
  •  Set transaction limits for IMPS, NEFT, Intra-bank transfer and Bill Pay/recharge
  •  Enable / disable biometric login
Shopping and Entertainment related Services
Shopping and Entertainment related Services
  • e-shopping
  • Loyalty Rewards- IndAdvantage
Personalization
Personalization
  • View Profile
  • CKYCR ID Display
  • Transaction grouping: Customer originated grouping of default transactions.
  • Beneficiary personalization: Customer personalized default beneficiary list.
  • App Update: Force update / Auto update of the application as per OS version and intimation of the new update availability
  • Limit settings: Provides an option to set limit/capping on value and volume of transaction at application level
  • FAQ: Provides access to Frequently Asked Questions
  • Talk back changes for Low / Visually Challenged – Facility for Voice over
Card Services
Debit Card Services Credit Card Services
  • Apply for New Debit card
  • Apply Credit Card
  • Display all Cards as Card image to select – including Virtual Debit Card
  • Credit Card Dashboard
  • View and hide debit card details
  • View/Hide Card Details
  • Manage Card- Lock Card/ Unlock Card
  • Credit card Payment
  • Hotlist Card
  • Credit Card Billed Statement
  • Debit Card Activation
  • Credit Card unbilled statement
  • – Existing Limit Enquiry/ Update Limit/channel wise limits
  • Credit Card Limits
  • Green Pin Generation/ Validation
  • Lock/Unlock Credit Card
  • Debit Card set/reset pin
  • Credit Card Last payment details
  • Card Management –Enable/ Disable (Domestic / International Access)
  
  • Request for Add on Card
  
Virtual ATM (VATM Services)
Virtual ATM (VATM Services)
  • Create Withdrawal Request
  • Pending Transactions
  • Completed Transactions
  • Locate Nearby Authorized Merchants
UPI
UPI
  • Balance enquiry
  • View Transaction History
  • View Pending Requests
  • UPI Notifications
  • UPI Collect – UPI Number/UPI ID
  • UPI Help and Demo Videos
  • Manage Payee – Add payee using
    UPI Number/Add payee using UPI ID/Add payee using
    Account & IFSC
  • UPI Mandate collect request
  • Manage VPA / PIN
  • Feedback
  • Block / Unblock UPI
  • De-register UPI
  • Create Mandate
  • UPI Number creation
  • Scan Mandate
  • UPI Number Active/Inactive
  • View Active/Pending/Completed Mandates
  • UPI Number deregistration/reregistration
  • Onetime/Recurring Mandate
  • Set UPI PIN using Debit card/Aadhar
  • Pause/Un pause SI Mandate
  • Forgot UPI PIN using Debit card/Aadhar
  • View Mandate History
  • Change UPI PIN
  • UPI Global Activation/UPI International
  • Create UPI ID
  • Favourite Payees
  • Linking Bank Account
  • Generate UPI Static QR/Dynamic QR
  • UPI Push Notification
  • Download and Share QR
  • UDIR – Raise complaint for failure transactions
  • Mandate Update/Revoke/Execute/Reversal
  • Signed Intent & QR
  • Collect Request – Accept/Reject/Block/SPAM
  • FIR Management
(Last modified on:Jun 23, 2026 at 05:07:37 am)