Basics
Following are the fund transfer options available in Internet banking along with the permissible limits.
Retail
Type of Funds Transfer |
Limit Per day Rs. |
Limit Per Txn Rs. |
FT to Own accounts in LVB |
5,00,000 |
5,00,000 |
FT to Third Party accounts in LVB |
5,00,000 |
5,00,000 |
E-Commerce – Online shopping & Bills payment |
1,00,000 |
1,00,000 |
NEFT during Banking hours |
5,00,000 |
5,00,000 |
NEFT during non banking hours & holidays |
3,00,000 |
3,00,000 |
IMPS P2A |
2,00,000 |
1,00,000 |
IMPS P2P |
50,000 |
50,000 |
RTGS (Min 2.00 Lacs) during Banking Hours |
5,00,000 |
5,00,000 |
RTGS (Min 2.00 Lacs) during Non Banking Hours & Holidays |
3,00,000 |
3,00,000 |
Corporate
Type of Funds Transfer |
Limit Per day Rs. |
Limit Per Txn Rs. |
FT to Own accounts in LVB |
No limit |
25,00,000 |
FT to Third Party accounts in LVB |
No limit |
25,00,000 |
E-Commerce – Online shopping & Bills payment |
10,00,000 |
10,00,000 |
IMPS P2A |
2,00,000 |
1,00,000 |
NEFT during banking hours |
No limit |
10,00,000 |
NEFT during non banking hours & holidays |
10,00,000 |
10,00,000 |
RTGS (Min 2.00 Lacs) during Banking Hours |
No limit |
25,00,000 |
RTGS (Min 2.00 lacs) during non Banking Hours & Holidays |
No limit |
10,00,000 |
Which page is called Pre-login page?
Pre-login page is the first page that gets displayed when you access Internet Banking (LVBiNET)
What are the options available in the Pre-login page?
In the pre-login page, you can find a Toggle menu to the LEFT, Login Button the top right Corner.
Toggle Menu has the following options
- Register
- ATM/Branch Locator
- Help
- About
Click on the Login Option to proceed with the Login
Which page is called Login page?
The page that prompts us to enter the user name and password is called the Login Page. This page appears when the Login Option is clicked in the Pre-login Page.
What are the options available in the Login Page?
Following Options are available in the Login Page
- Login Option
- Option to retrieve User name - Forgot Username
- Option to retrieve the password - Forgot Password
- Option to unlock the user name
What is home page?
The first page that is displayed post login is called a Home Page.
What are the features available in-Home page?
It comprises of Dash Board full page, Toggle Menu , Search Bar, Notification, Full Name of the user, Date last logged in , Date last failed login etc.
What is Toggle Menu ?
Toggle Menus are menu’s that are contextual in nature – based on the nature of the page. Toggle Menus are available on the top left corner. They are indicated by three parallel horizontal lines. On clicking the same, menu opens to the right. The same can be clicking the ‘X’ button.
How can I navigate with in the Toggle Menu?
If any item with in the Menu has multiple levels of submenu. Then they can be navigated forward by clicking on their respective parent menu.
Note: Actual image may differ from the one shown above. This is given only for illustration.
They can be navigated back by clicking on the ‘<’ back button displayed left of the menu
Note: Actual image may differ from the one shown above. This is given only for illustration.
I have multiple roles assigned to me. Whether I can switch the roles?
yes , you can switch roles . Choose the appropriate roles from the drop down box in the top left end.
Note: Actual image may differ from the one shown above. This is given only for illustration.
Appearance and Compatibility
I am an existing Internet Banking User. I could see changed in the Internet Banking screens.
Internet Banking has been upgraded to bring in more features with a rich and pleasant feel to the customers.
Can I access Internet Banking Application from Mobile?
Yes, Internet Banking can be accessed from Mobile (Smart Phones with reasonable resolution and screen size) , Tablets and desktops.
Are there any preferred browsers for accessing Internet Banking Application?
Internet Banking Application is supported over the latest version of all browsers such as Internet Explorer, Google Chrome, Mozilla Firefox, Safari, etc. However, the recommended browsers would be Google Chrome and Mozilla Firefox.
Onboarding
I am an Individual Customer. How can I onboard to NetBanking?
All Individual Customer with a valid Savings, Current, Term Deposit or Loan Account can Onboard to NetBanking using the ‘Register’ Option in the Home page.
I am an Individual Customer. Do I need to submit an application to Branch for availing the Internet Banking facility?
Individual Customers need not submit the application at Branches. They can onboard to NetBanking using the ‘Register’ Option in the Home page.
I am an Individual Customer. What all details I need to know to Register for Internet Banking?
Basic customer details will be sufficient to Register for Internet Banking. The following information will be required for registration
- Customer-id
- Account Number (Valid CASA, TD or Loan Account)
- First Name
- Last Name
- Email-id
- Date of Birth
I am an Individual Customer. Unable to complete the registration process Successfully
Registration process could fail due to following reason
- The details furnished for registration is incorrect.
- The details are not properly updated in CBS
- The registered mobile number is incorrect.
- Internet Banking Facility is not enabled for the Account.
- Already you have a valid user-id for Internet Banking facility
I am an Individual customer. While Registering for Internet Banking, I am getting the error message “ Cannot create more users for specific party”. What could be the issue?
The error indicates that you already have a user-id for accessing Internet Banking.
I am an Individual customer. While Registering for Internet Banking, I am getting the error message. I want to correct the data. What shall I do ?
You have to ensure that your first name, last name, email-id, date of birth, registered mobile number is correct in CBS by visiting the Branch. If the details are incorrect, arrange to get it corrected at Branch end by submitting the application form with suitable proof.
I am an Individual customer. What shall the composition for user name?
The minimum length for the username is 6 Characters and maximum length is 80 characters. Allowed Characters are a-z , A-Z, 0-9 , @,_ (underscore) , . (dot).
Remember that your username is case-sensitive during login and as such ensure that you remember your user-ids and the case of letters and special characters used.
Customers are requested to refrain from creating Abusive, Seductive, mis-leading usernames. Bank reserves the right to block such username temporarily or permanently as it deem fit.
I am an Individual Customer. While setting the user name, we are getting the error message “User already exists”.
The user name already exists. Please try with a different username.
I am a non-Individual customer. How can I onboard to NetBanking?
All Non-Individual customers need to submit the Internet Banking Application along with other documents stipulated in the application form. The user/s will be created as per the Mandate enclosed.
Login
What shall I key in for user name and password ?
If you are an existing Internet Banking user and you have not set your user name. You have to key-in the customer-id as your password.
If you are an existing user and had set your user name post-login then use the user name at the time of login.
If you are a new customer, try with the username set by you (for individuals) or assigned by Bank for Non-individual users.
At the time of Login, I am getting the message “Invalid Credentials”. What shall I do?
Your Username or password or both username and password is wrong.
- Recheck your username. Kindly note that username is case sensitive
- Your password is also case sensitive.
- Incase you forgot the password, reset the password and attempt again.
- Continuous unsuccessful login attempts will lock your user id.
I am an Individual and already having an Internet Banking User Id. I forgot my username. How to get my username?
You can use the forgot username option in the login page.
I tried to retrieve the username using Forgot Username Option, but the system is displaying an error message. What could be the reason?
The details such as email-id, date of birth are not matching with our records or the authentication has failed.
I am an existing customer and already have an Internet Banking User Id. I forgot my password. How to retrieve my Password?
You cannot retrieve the password. However, you can reset the password using the forgot password option in the login page.
I am an individual customer and I am getting the message “User is locked. Please contact administrator”. What could be the issue?
User id could be locked if the user attempts to login with invalid user-id or password combination continuously for 3 or more attempts. You can unlock the user using the Unlock User ID option.
Accounts
I am an Individual Customer using Internet Banking services. Whether all my accounts will be listed in Internet Banking?
All the accounts pertaining to the Individual customer-id and which are enabled for Internet Banking will be listed in Internet Banking. For accounts, which requires authorisation of more than one customer/user linked to it, only inquiry options will be available, and no debits will be allowed to such account/s through Internet Banking.
I am an Individual Customer. What shall I do to get my accounts listed in Internet Banking?
For Savings or Current accounts opened in Internet Banking, you should opt for Internet Banking as a channel. All your Term deposit and loans accounts will be listed in Internet Banking.
What are all the type of Accounts that I can manage through Accounts Section?
You can manage your Current & Savings Account, Recurring Deposit, Term Deposit and Loan Accounts using the Accounts Section.
I am a Non-Individual Customer using Internet Banking services. Whether it is possible to have multiple layers of authorisation.
Yes, you can enable multiple layers of authorisation transaction wise or for a group of transactions based on the amount slab, at account level etc.
I am a Non-Individual Customer using Internet Banking services. Whether all my accounts will be listed in Internet Banking?
No Accounts will be mapped based on the Mandate provide. The transactions that can be performed on the account will also be decided based on the Mandate.
What are all the Operations that I can perform on my Current and Savings Account?
Following Operation can be performed on my Current and Savings Account
- Account Details
- View Statement
- Cheque Status Inquiry
- Cheque Book Request
- Stop/unblock Cheque
- Manage Sweep-in
What are all the search options available for me while viewing the account statement?
Account statement can be viewed for pre-defined duration such as Current Month, Previous Month, Previous Quarter or Based on Date Range.
There is also provision to filter Debits only , Credits only and Both. It is recommended to restrict the date range to less than 1 year.
Whether I can download my Account Statement, if so what are the supported formats?
- Account statement can be downloaded in following formats
- CSV - Comma Separated Value
- MT940 – Swift Format
- PDF – Portable Document Format
- QIF - Quicken Interchange Format
- OFX - Open Financial Exchange
Whether my instruction for Stop Cheque Payment or Unblock such stop payment instruction happen instantaneously?
Yes, the instructions are updated instantaneously. However, we recommend to ascertain the cheque Status using ‘Inquire Cheque Status’ option before proceeding further.
What is the manage Sweep-in Feature?
Sweep in facility enables customers to link their Current and Savings account to another Current and Savings account held with the bank. Whenever there is insufficient funds, the shortfall in the account is swept in from the linked current and savings account, thereby providing the customer the convenience of getting payments processed with ease.
This feature will work, if and only if the production is enabled for Sweep-in facility.
Can I check by AMMB or AQMB and the short fall for the same?
You can check the Average Monthly Minimum Balance, Average Quarterly Minimum Balance and its shortfall by clicking on the Account Details.
Account Details, also show you the hold amount, limit, uncleared balance, nomination details, Sweep in amount etc.
Whether I can add nickname to my Account for Better Identification?
Yes, you can add Nick Names to your Current and Savings Account, Term Deposit accounts, Recurring Deposit and Loans
What are all the Operations that I can perform on my Term Deposit Account?
Following are the features available under Term Deposits.
Edit Maturity Instruction
- New Deposit
- View Statement
- Redemption
Whether all the Term Deposit Account opened across different channels will be shown here?
Yes, Deposits opened through Internet Banking channel and Branch Channel will be displayed here.
What all I can edit in Edit Maturity instructions for Term Deposits?
We can change the maturity instruction and the ‘pay To’ options under the Edit Maturity Instructions.
Following options are available under maturity instruction
- Renew Principal and Payout the Interest
- Renew interest and Principal
- Close on Maturity
- Renew Special Amount and Payout the remaining amount.
Under ‘Pay To’, we have the option to pay to Own accounts, Internal Account or Domestic Account (Inter-Bank Accounts).
Whether the maturity proceeds for the Terms Deposits be credited to the account in other Bank?
Yes, maturity proceed of Term Deposit can be credited to other Bank Account. The proceeds will be send using NEFT. Ensure that the Account Number, Name and Bank Code provided are correct in all aspects.
Whether there is a provision to pre-close the deposits?
Yes, you can use the redemption option to pre-close the deposits.
Whether we can pre-close deposits opened through branches using the redemption option?
Yes, you can pre-close the deposit opened through Branches, Internet Banking channel using the redemption option.
I am an Individual customer. I want to open a normal deposit, but the product is not be displayed?
The deposit products which are eligible for the customer, will only be displayed to them.
For Eg : NRI customer will be displayed with NRI deposit products only
Senior Citizen will be shown Senior Citizen Deposit Products only.
Whether I have a provision to register Nominees for Term Deposit products online?
Yes, there is a provision to register Nominees for Term Deposit Products.
What are all the Operations that I can perform on Recurring Deposit?
Following are the features available under Term Deposits.
Edit Maturity Instruction
- Recurring Deposit
- View Statement
- Redemption
Whether all the Recurring Deposit Account opened across different channels will be shown here?
Yes, Recurring Deposits opened through Internet Banking channel and Branch Channel will be displayed here.
What all I can edit in Edit Maturity instructions for Recurring Deposits?
We can change the maturity instruction and the ‘pay To’ options under the Edit Maturity Instructions.
Following options are available under maturity instruction
- Renew Principal and Pay-out the Interest
- Renew interest and Principal
- Close on Maturity
- Renew Special Amount and Pay-out the remaining amount.
Under ‘Pay To’, we have the option to pay to Own accounts, Internal Account or Domestic Account (Inter-Bank Accounts).
Whether the maturity proceeds for the Recurring Deposits be credited to the account in other Bank?
Yes, maturity proceed of Term Deposit can be credited to other Bank Account. The proceeds will be send using NEFT. Ensure that the Account Number, Name and Bank Code provided are correct in all aspects.
Whether there is a provision to pre-close the Recurring Deposits?
Yes, you can use the redemption option to pre-close the recurring deposits.
Whether we can pre-close recurring deposits opened through branches using the redemption option?
Yes, you can pre-close the recurring deposit opened through Branches, Internet Banking channel using the redemption option?
Senior Citizen will be shown Senior Citizen Deposit Products only.
Whether I have a provision to register Nominees for Recurring Deposit products online?
Yes, there is a provision to register Nominees for Term Deposit Products.
Whether I have a provision to repay the loan online?
Yes, you can repay the loans online using the Loan Repayment option.
Whether I have a provision to view the loan schedule?
Yes, you have the provision to view the loan schedule.
Can I view details for the loan accounts?
Yes, you can view the details by clicking on the Loan Details tab.
What are all the account types for which I can add Nominees?
You can add Nominees for Current and Savings Account, Term Deposits and Recurring Deposits.
What are the documents to be submitted for opening a Term Deposit Online? Will TDS be deducted for the Deposit I open online.
This facility is given for registered customers only. Hence no documents are required for opening Term Deposits online. However applicable TDS will be deducted as per the rules prevalent from time to time.
What are the types of Deposit accounts I can open through Internet Banking?
- DCD- Dhana Chakra Deposit- A cumulative Deposit product
- FD- Fixed Deposit
- NRE-FD- Nonresident External (Indian) Fixed Deposit
- NRE-DCD- Nonresident External (Indian) Dhana Chakra Deposit
- Senior Citizen-DCD- Senior Citizen Dhana Chakra Deposit
- Senior Citizen FD- Senior Citizen Fixed Deposit
I am a senior Citizen and have a savings account with your bank. Can I open Senior Citizen Deposit Online?
Yes, you can open the senior citizen deposit online.
Authentication
The following authentication modes are available to you post login
- TPIN - Transaction PIN
- Secret Question and Answers
- Authentication using LVB Secure
- OTP (One Time Password)
- Digital Signature Certificate
You can reach Net Banking support (supportinet@lvbank.in) for changing your authentication modes
Wherever multiple levels of authentications are required, the possible authentication combination would be
Level 1
|
Level 2
|
TPIN (Transaction PIN)
Secret Question and Answer
|
OTP
Authentication using LVB Secure
|
Digital Signature Certificate
|
NA
|
No, additional authentication is mandatory for carrying out transactions. The level of authentication and the type of authentication for different types of transaction including financial, non-financial and maintenance will be decided by Bank from time to time.
As part of Retail Self onboarded users, the TPIN will be sent through SMS and email
It is recommended to change the Transaction PIN periodically. Change the Transaction PIN using the Change Transaction PIN option under My Preferences>Security and Pins>
You can Reset the Transaction PIN using the Reset Transaction PIN option under My Preferences>Security and Pins.
You need to set the Secret question and Answers using the Set Secret Question and Answers option under My Preferences>Set Secret Question and Answers.
You need to Choose Predefined no. of question and set answers for the same. At the time of authentication, you will be prompted to answer (few security questions) as decided by Bank from time.
Once the secret question and answers are set, write to NetBanking Support (supportinet@lvbank.in)seeking them to change your authentication mode to Secret Question and Answers.
Net banking support team (supportinet@lvbank.in) may evaluate your existing authentication modes, impact of changes on security and accordingly update the same. Incase where they feel that the authentication mode combination (along with any other existing authentication) is not sufficient to secure the transaction.
Yes, you can edit the secret question and answers using the Set Secret Question and Answers option under My Preferences>Set Secret Question and Answers.
Yes, you can change the mode of delivery of OTP from SMS to Email and vice-versa using OTP Mode Settings option under My Preferences>OTP Mode Settings
If you loose your Mobile or your Mobile device is compromised. Then you should immediately bring it to the notice of Bank.
If your email-id is compromised. Arrange to change the OTP delivery mode to modes other than Email. Change your email-id and secure it with multiple levels of authentication
Lock your Internet Banking user-id. Ensure that the devices/ Email is secured, before unlocking your Internet Banking user-id.
OTP will be sent to foreign number, if the Mobile number is captured in CBS with your country code. It is recommended to enable OTP delivery mode to Email in such cases.
OTP will be sent only to the registered mobile number, if the registered Mobile number is enabled for International Roaming, OTP will be delivered. However, subscriber charges for International roaming will apply. The OTP delivery will depend on the Telecom Service Provider arrangements with TSP at respective places.
In such cases, we request to change the OTP delivery mode to Email.
Yes, you need to request for changing the Mode of OTP Delivery as ‘E-MAIL’ post logging into Internet Banking.
You can visit your Home Branch and submit a request letter for change of Mobile number. Mobile Number will be changed in 2-3 working Days.
Either you are entering an incorrect OTP or you had regenerated OTP multiple times. Always the last generated OTP will be active. In such case, you may close the transaction and reinitiate it
- Update your mobile number/E-Mail id with your base branch at the earliest possible, in case of change in Mobile number/E-Mail id.
- Ensure that sufficient space is available in the Inbox of the Mobile device
- Ensure that message with sender-id as ‘LVBANK’ is not screened/blocked or marked as SPAM.
There are various reasons for the non-delivery of OTP. Some of them may be as follows:
- Change in the Mobile number and is not registered with the Bank.
- Message with sender-id as ‘LVBSMS’ has been marked as ‘SPAM’ or blocked in the mobile device.
- Customer Mobile is not having enough Storage Space for receiving Messages, device or messaging service of Phone is not working- Mobile phone memory to be checked.
- Mobile accounts if in roaming plan or if barred from receiving text messages, SMS might not be allowed/delivered
- Mobile network related problems, where there is a technical issue like Busy SMS center in the Service operator side due to which SMS is not being delivered.
If all the above conditions are checked but still the OTP are not getting delivered, customers are requested to contact the base branch for more information.
Digital Signature Certificates (DSC) are the digital equivalent (that is electronic format) of physical or paper certificates. Examples of physical certificates are drivers' licenses, passports or membership cards. Certificates serve as proof of identity of an individual for a certain purpose; for example, a driver's license identifies someone who can legally drive in a particular country. Likewise, a digital certificate can be presented electronically to prove your identity, to access information or services on the Internet or to sign certain documents digitally.
Digital Signatures are legally admissible in a Court of Law, as provided under the provisions of IT Act 2000 and its subsequent amendments.
A valid digital signature instill confidence in the recipient to believe that the message was created by a known sender, such that the sender cannot deny having sent the message (authentication and non-repudiation) and that the message was not altered in transit (integrity).
Advantages of Digital Signature Certificate:
- It helps in ensuring the integrity of the transactions, any changes in the amount or other details can be easily detected and frauds prevented.
- It establishes your identity easily, it won’t be possible to spoof your identify.
- It is legally valid in India and recognized by the IT Act 2000.
- You can reset your Login Password and Transaction Password online . only when
- you opt for a Digital Signature Certificate The same can be used for signing other purposes such as filing MCA21 returns, signing documents/mail digitally, for e-filing of Income tax returns etc.
The Certifying Authority Issues the Digital Signature Certificates. Certifying authority is licensed under the Ministry of Information Technology, Government of India to issue Digital Signature Certificates to customers. There are different classes of Digital signature certificates.
You need a Class3 Digital Signature with a validity of 2 years or more and a USB crypto token for storing the same.
Bank has entered into tie-up with Certifying authority, so as to enable our customers to buy Class 3 Digital Signature Certificates and USB crypto tokens at very attractive rates.
No, we allow Class 3 Digital Signature Certificates only.
Yes, if the Notification is popped up by the respective genuine App Store, then you can update the App to the next version. Any update to the current version will have new added features and bug fixes done.
Digital Signature Certificates are stored in an USB Crypto Token. In general, an USB Crypto token is a physical device, typically small and portable, that acts like an electronic key to access Internet Banking services. It cannot be stored in the computer for security reasons.
Yes, you can use your existing DSC, if it is issued by a Certifying Authority in India. However, it should be a Class 3 certificate for doing transaction in LVB Internet Banking.
DSC is issued for individual users and hence it need to be procured for each and every user. If there are more than 1 authorized user for the Internet Banking account, then each user need to purchase separate DSC.
USB Crypto Token is a USB device which is portable in nature and holds the Digital Signature Certificate in it. The private key, which is used for signing the transaction, is protected using a PIN. The device will be pre-loaded with requisite drivers and software’s required. On plugging the token, the drivers and software will be automatically installed. For completing Transactions in Internet Banking, system will prompt you to enter the PIN.
After Applying for DSC and making the requisite payment, USB Crypto Token will be mailed to your address mentioned in online form. Once the KYC check and Processing of Application is completed, a mail will be sent with credentials for downloading the certificate. You have to plug in your USB crypto token and download the certificate to your Token. Detailed procedure is provided in bottom of this document.
The class3 Digital Signature Certificate (DSC) is valid for 2 years. You need to renew the DSC before expiry of the same.
Yes, there will be a charge for renewal. Alert will be sent 30 days prior to the expiry of the DSC reminding you to renew the Digital Signature Certificate.
No, DSC registered in other person’s name cannot be used by you.
You need to inform the Bank team /E-Mudhra certifying authority at the below mentioned numbers for blocking the Registered DSC and also for revoking the certificate.
No, if the device is damaged or lost, then the token and the digital certificate need to be re-procured freshly. If the device is formatted , then the digital certificate need to be re-procured freshly. The Digital signature certificate should be revoked in both the cases by informing the certifying authority or the Bank at following numbers:
Bank
|
1800 425 2233
|
eMudhra Certifying Authority
|
080-43360000
|
Procedure for Applying for Digital Signature Certificate:
- Visit the URL https://www.e-mudhra.com/lvb for applying for Digital Signature Certificate
- Agree to the terms and conditions and then fill in the details required for registering for certificate.
- On successfully furnishing the details, you will have to make payment for the Digital Signature certificate and the Tokens.
- On successful payment, you will receive a reference number.
- Take a print out of the application, sign the same and keep it ready along with supporting documents.
- You will get a mail from E-mudhra briefing the procedures to be used for verification.
- USB crypto token for downloading the Digital signature certificate will be mailed to your address mentioned in the KYC form.
- If KYC is successful, an e-mail will be sent with credentials for downloading the certificate.
- The e-mail will contain the procedure for downloading the certificate into the USB Crypto token. Download the Certificate and you are ready to enroll your certificate in Internet
Following are the steps to download DSC
Step-1:
To download your Digital signature Certificate refer to your mail containing Subject line “e-Mudhra - Your digital signature application is approved” . This mail contains your Application Number and Challenge Code. Using this details, you have to login eMudhra website to download the Digital signature certificate.
Email
Step-2:
Select the “Click Here” Option in the Mail to login into eMudhra website for downloading the certificate. Once it is logged in you have to enter the application ID no, challenge code and date of birth as per the approval mail received
Step-3:
Once you click on Submit button the page will be redirected to the - details confirmation page, where in you have to confirm all the details are correct as per your supporting documents and application form provided to eMudhra.
Note: If there is any mismatch in the - details, mark that - as ‘No’ and enter the rejection reason, further click on reject button and contact to the eMudhra help desk (080- 43360000) or info@e-mudhra.com for rectification.
Select Yes button if the details are correct.
Step-4:
Once you click on Agree and download, it will prompt you to enter the token password. Please enter the token password which you had set.
Step-5:
After entering the token password the key pairs will start generating. During this process, don’t click on refresh or back or interrupt the IE.
Note: Actual image may differ from the one shown above. This is given only for illustration.
Click on OK button after entering the token password. The below POP UP message will be displayed on the same page, click on yes to get your key generated.
Note: Actual image may differ from the one shown above. This is given only for illustration.
Step-6:
Click on OK button to get your certificate imported to the hard token.
Note: Actual image may differ from the one shown above. This is given only for illustration.
Plug out the token by using the safe remove option and plug-in once to get your certificate reflected in the hard token.
After the successful download of the certificate in the hard token, do not Re-initialize the hard token, the digital signature certificate will get deleted from the token. The only solution is to reapply for the certificate again. If you are facing problem with the token please contact to the eMudhra help desk (080- 43360000) or info@e-mudhra.com for rectification.
You need to register the Digital Signature Certificate in Internet Banking, before using the same for initiating the transaction.
Steps for Enrolling are as follows:
- Login into Internet Banking
- Plug in your USB crypto token with Digital Signature Certificate.
- Choose the Digital Certificate Register Option from the Toggle Menu>Digital Certificate.
- A screen will be displayed with your user-id, click on the Enrol button below.
- A New screen will be displayed with Certificate Details and an option to print.
- Click on the Print button, take a printout of the PDF document, sign the same and send it to the Bank’s Team for further processing.
Following are the Sample steps in Third Party Transfer Transaction:
1. Customer initiated the Funds Transfer by entering the necessary details.
Note: Actual image may differ from the one shown above. This is given only for illustration.
2. Customer verifies and confirms the details entered for the Funds Transfer
Note: Actual image may differ from the one shown above. This is given only for illustration.
3. On Clicking the Confirm button, System will display the Digital Signature certificates which are stored in the hard token. Customer should select the appropriate Certificate and click on Sign Button.
Note: Actual image may differ from the one shown above. This is given only for illustration.
4. System will prompt the user to enter the Password
Note: Actual image may differ from the one shown above. This is given only for illustration.
5. Enter the PIN and click on the OK button. On successful validation of Digital Signature Certificate, system will process the transaction and successfully complete the Funds transfer.
Yes, You will get an alert before expiry of the password. Alert will also display at the top and will display the number of days in which the password will expire. There will be a provision to change the password adjacent to the same.
Note: Actual image may differ from the one shown above. This is given only for illustration.
Payment
What are the options available under payments?
Following options are available under payments
- Favourites
- View Domestic Payments
- Transfer Money
- Adhoc Payment
- Multiple Transfer
- Issue Demand Drafts
- Request Money
- Upcoming Payment inquiry
- Repeat Transfer
- Manage Payees
What are the options available to me for doing the fund transfer ?
Transfer funds to an Existing Payee or new payee or Own accounts.
Use the option Transfer funds to Payee to perform the following transactions
- Internal Accounts
- NEFT
- RTGS
- IMPS P2A
- IMPS P2P
Whether we can initiate multiple Fund transfer at once?
Yes, you can initiate multiple Fund transfer using the multiple fund transfer screen available. You can initiate upto 50 transfers at a time.
What are the different kinds of Fund Transfer available?
Yes, the limits are as follows
Retail
Type of Funds Transfer
|
Limit Per day Rs.
|
Limit Per Txn Rs.
|
FT to Own accounts in LVB |
5,00,000 |
5,00,000 |
FT to Third Party accounts in LVB |
5,00,000 |
5,00,000 |
E-Commerce – Online shopping & Bills payment |
1,00,000 |
1,00,000 |
NEFT during Banking Hours |
5,00,000 |
5,00,000 |
NEFT during non Banking Hours & Holidays |
3,00,000 |
3,00,000 |
IMPS P2A |
2,00,000 |
1,00,000 |
IMPS P2P |
50,000 |
50,000 |
RTGS (Min 2.00 Lacs) during Banking Hours |
5,00,000 |
5,00,000 |
RTGS (Min 2.00 Lacs) during Non Banking Hours & Holidays |
3,00,000 |
3,00,000 |
Corporate
Type of Funds Transfer |
Limit Per day Rs. |
Limit Per Txn Rs. |
FT to Own accounts in LVB |
No limit |
25,00,000 |
FT to Third Party accounts in LVB |
No limit |
25,00,000 |
E-Commerce – Online shopping & Bills payment |
10,00,000 |
10,00,000 |
IMPS P2A |
2,00,000 |
1,00,000 |
NEFT during banking hours |
No limit |
10,00,000 |
NEFT during non banking hours & holidays |
10,00,000 |
10,00,000 |
RTGS (min 2.00 lacs) during Banking Hours |
No limit |
25,00,000 |
RTGS (min 2.00 lacs) during non Banking Hours & Holidays |
10,00,000 |
10,00,000 |
What all information do I require for doing a NEFT / RTGS/IMPS P2A Funds Transfer through Internet
You need the following details for transferring funds from LVB to Other Bank:
- The name of the beneficiary as mentioned in the account held in the other bank
- Account number of the beneficiary held in the other bank
- IFSC code for the beneficiary's branch.
- Name of bank branch with which the account is held
What all information do I require for doing a IMPS P2P Fund Transfer through Internet Banking?
For performing an IMPS P2P fund transfer, you need to know the Mobile Number and the MMID (Mobile Money Identifier) of the beneficiary.
What are all the frequency available option for Standing Instruction (Repeated Transfers)?
Following are the frequency available for repeated transfer
- Daily
- Weekly
- Fortnightly
- Monthly
- Bi-Monthly
- Quarterly
- Semi-Annually
- Annually
To whom can I send funds using Standing Instruction (Repeated Transfers)?
Standing Instruction (aka Repeated Transfers) can be set for transfers
- Within users own accounts
- Within LVB accounts
- To accounts in other banks
Can I set a Standing Instructions (Repeated Transfer) to credit my RD ?
Add a beneficiary for the Recurring deposit account and then choose the beneficiary for initiating the Standing instruction.
Is it possible to set the standing instruction to execute only for specific no. of instances from a particular date?
Yes, You can set the standing instruction as per the frequency defined over a date range or specific number of iterations.
Choose the option after to set the number of iterations.
Choose the option as ‘on’ under stop Transfering to indicate a stop date.
Is there any provision for me ensure that irrespective of the frequency chose, it is executed today once and then subsequently based on the frequency, start date and the end date?
Yes, the provision is there. You can initiate the transfer once as on the date of setting the instruction by choosing the option Also Transfer Today.
What are the type of Beneficiaries that can be added by me?
You can add the following types of beneficiaries
- Internal
- Domestic Beneficiary using Account and IFSC
- Domestic Beneficiary using Mobile and MMID
- Beneficiary for Demand Draft
Is there a provision for me to view list of Beneficiaries added by me?
Yes, you can click on the link Toggle Menu>Payments>Manage Payee to view the list of beneficiaries.
You can also search for a beneficiary using the search option available in the screen.
A person is having more than one account, Can I group these beneficiaries under the same name?
Yes, it is possible. First add the beneficiary for one account. Then choose the beneficiary and add other accounts. Both beneficiary details will appear under one name.
Note: Actual image may differ from the one shown above. This is given only for illustration.
Whether we can set limits for the Beneficiaries?
Yes, the following limits can be set for the Beneficiary
- Daily Limit (value of transaction)
- Domestic Beneficiary using Account and IFSC
The limit need to be set by either edit the Beneficiary or using the option manage payee limit in the confirmation screen for beneficiary creation. The Beneficiary limits are not available during the beneficiary creation.
Whether we can transfer funds to the beneficiary immediately?
You cannot transfer funds to Beneficiary immediately during the cooling period. During the cooling period set by Bank, there could be restriction on the duration and the quantum of the amount for which fund transfer can be effected for the selected beneficiary.
I had deleted and added the same beneficiary. Whether the cooling period again applies to them?
Yes, cooling period applies to the newly added beneficiary.
What are the Demand Draft delivery options available to me at the time of creating a Payee for Demand Draft?
Note: The Demand Draft feature will be enabled in the subsequent releases.
The type of delivery option available for Demand Draft are
- Delivered to user address
- Delivered to Nearest Branch
What are the other actions, I can perform through Manage Beneficiary?
You have the following options against the beneficiary
Can we issue Demand Draft Online?
Yes, you can order Demand Drafts online. The draft will be delivered to the user Address or the nearest Branch based on the payee.
Note: The Demand Draft feature will be enabled in the subsequent releases.
Whether there is a provision to repeat the already performed transactions?
Yes, there is a provision to repeat the already performed transactions. Upon completing the transaction, just add the same to favourites, by clicking on the Add to Favourite transaction.
Bill Payments
What are the features I have under Bill Payments?
We have the following features under Bill Payments
- Quick Recharge
- Quick Bill Pay
- Manage Billers
- Add Billers
- Bills
- Payment History
- Raise Service Complaint
- Complaint History
Whether I can set standing instruction for my Bills?
Note: The Auto-pay / standing instruction feature will be enabled in the subsequent releases.
Yes, you can set standing instruction from the Bills. You can set Standing instructions for all types of Bills.
Can I stop the Scheduled Payment?
Note: The Auto-pay / standing instruction feature will be enabled in the subsequent releases.
You can stop the scheduled payment. However, the same should be stopped at least 2-3 days before the scheduled date.
Whether I can set schedule payment for my Bill adhoc without setting?
Note: The Auto-pay / standing instruction feature will be enabled in the subsequent releases.
Yes, you have the provision to pay the Bill instantly or at a later date by mentioning the date on which the payment should be affected.
What are the types of Billers for which Autopay can be set?
Note: The Auto-pay / standing instruction feature will be enabled in the subsequent releases.
Autopay can be set for all types of Billers including Payee, Biller or Both
Payee - These are the type of Billers for which bills are not generated. Payments are made on adhoc basis.
Biller - For these type of Billers, Bills are generated. Payments can only be made against the Bills
Both – For these types of Billers, payments can be adhoc or against the Bill
What are the parameters I should pass for setting the Autopay for the Payee?
Note: The Auto-pay / standing instruction feature will be enabled in the subsequent releases.
Following parameters are required, while setting the autopay for the payee
- Start Date (should be always greater than the current date and the end date)
- End date
- Frequency
- Currency
- Amount - The amount will be paid at the frequency mentioned during the date range.
- Payment Account
- Payment IFSC
What are the parameters I should pass for setting the Autopay for the Biller type Biller and Both?
Note: The Auto-pay / standing instruction feature will be enabled in the subsequent releases.
Following parameters are required, while setting the autopay for the payee
- Currency
- Amount - The amount will be paid at the frequency mentioned during the date range.
- Payment Account
- Payment IFSC
Can I recharge or make payment to Biller without registering the Biller?
Yes, you can do the recharge for DTH and Mobile Prepaid without registering the Billers. For certain Billers, where there is a provision to make adhoc payment. The payment can be done without adding the Biller.
I had registered an Autopay for the Biller. However, my bill is not scheduled for payment.
Note: The Auto-pay / standing instruction feature will be enabled in the subsequent releases.
Autopay initial processing would take time and possibly it will not apply for the bills generated during the current billing cycle. If the autopay is active, the subsequent bills generated should get scheduled.
The other possibility for the bill not getting scheduled would be that the Bill amount had exceeded the limit set by you.
My account had been debited but the bill payment/recharge is not processed.
In case your account had been debited whereas the bill payment or recharge is not successful. Then the amount will be refunded shortly within 2-3 working days.
I made a double payment by mistake. Will the amount be refunded.
Certain billers adjust all the payments made against that account and few billers may refund the same. Incase, if the amount is refunded by the biller the same will be refunded by Bank. Otherwise you can raise the issue directly with your biller.
I made a wrong payment. How shall I claim the refund?
In case of wrong payments, you are requested to directly take it up with the respective biller.
Whether I get an Alert , whenever a bill is scheduled or due for payment?
You would get an SMS or Email Alert whenever a bill is scheduled. You can also view the Upcoming payments in your dashboard.
Personal Finance Manager(PFM)
What is PFM?
PFM refers to personal Finance Manager. It helps you manage your finances through the following means
Spends - Duly categorising your spends to identify the category in which spends are made
Budgets - Enables you to control the spends under a category.
Goals - Enables you to save money towards achieving the Goal.
How does Spends Work?
Spend helps you to categorise the expenditures you make through LVBiNet.
- First you can create categories or use the default categories available to you.
- Categorise your expenditure into the pre-defined categories.
You can manage Categories and sub-categories using the Option Toggle Menu >PFM >Spends>Manage Categories
You can view and categories the spend category for the transaction using the Option Toggle Menu>PFM>Spends>View Transactions
What are the type of Accounts for which we can categorise the spends?
We can categorise spends for all operating accounts such as Savings, Current etc.
How Budget works?
Budget allows you set the maximum spends under a particular category during specific period.
Note: Actual image may differ from the one shown above. This is given only for illustration.
What are all the options available under Budget?
Following are the options available under Budget
- Set the Budget (create Budget for a category)
- View the Budget (View the Budget set against the category)
- Modify the Budget (Change the Budget amount and periodicity)
- Delete the Budget
What are the periodicity for which the budget can be set?
Budgets can be set for the following periodicity
- This Month
- Recurring
- Specific Duration
Whether we can change the frequency for the budget?
No, the frequency can only be Monthly for the budget.
How can I identify how much I have spent against a set budget?
Under View Budgets, bar graphs are displayed against each category for which budget has been set. The bar graph displays the amount consumed against a budget as a percentage value. The amount spend can also be viewed in terms of actual amount value by hovering over the bar graph.
How can I set the Goal?
Goals can be set by using the option Toggle Menu>PFM>New Goal>New Goal.
What are all the options available under Goal?
Following options are available under Goal
- Goal Calculator
- Set Goal
- View Goal (Active/Closed).
Can I edit my Goal amount?
Yes, you can adjust your goal amount as per your requirements; however, the amount should be within the range of the product under which you have created your goal.
Can I change the maturity instructions of my goal after it has been created?
Yes, you can change these maturity instructions by selecting the option to edit a goal from the Goal Details page.
Can I stop the standing instructions set for a goal?
Yes, you can stop, alter and restart the standing instructions defined on a goal.
How much can a user withdraw from a goal account?
The user can withdraw a partial amount or the entire amount of the goal. Please note that if you withdraw the entire amount of the goal, the goal account gets closed. From there on the Goal can be viewed in the closed account section.
What happens to the interest accrued in my Goal account if I withdraw some amount?
The interest of the amount withdrawn for that period along with the penalty, if any, will be credited to the Goal account if it is active, in case of full withdrawal, the interest would be credited to the maturity account defined at the time of goal creation.
Can a goal be funded from an account of a different currency than that of the goal account?
Yes, however the total value will always be shown as per the base currency of account.
Are the interest components added to my Goal account also visible in the Goal Details page?
Amount with interest accumulated in the goal account is displayed on the Goal details page. Separate interest component is not shown.
Can I view the transactions performed on my goal that is currently closed?
No, you cannot view the transactions performed on a goal that has been closed
Is there a minimum amount I must contribute initially at the time of goal creation?
Yes, the bank defines a minimum contribution amount for each goal product. At the time of goal creation, you are required to credit the goal account with an amount that is not lower than this minimum amount defined.
Are there any validations on the standard instructions to be defined at the time of Goal Creation?
Yes, the validations to be adhered to while defining standing instructions are as follows:
- The standing instruction must be set from a savings account you hold with the bank.
- The end date of the instruction should not be later than the date on which the goal ends.
What do the values in the fields ‘You Pay’ and ‘We Pay’ displayed in the Goal Calculator page signify?
The value displayed in the ‘You Pay’ field is the amount that you contribute towards your goal, while value displayed in the ‘We Pay’ component is interest accrued by the bank towards fulfilment of your goal.
Can I calculate the time I will require to achieve a Goal if I contribute a certain amount every month?
No, the goal calculator helps you to identify the amount you need to contribute at a defined frequency and time period. The Goal Calculator does not enable calculation of amount of time required to achieve a goal.
Mailbox
What are the options available under Mailbox?
Following are the options available under Mailbox
- Mails
- Alerts
- Notifications
What are the items that are displayed under Alerts?
All the alerts sent to the customer by the system based on the transactions carried out in Internet Banking will be displayed under Alerts.
The alerts will be displayed in the descending order.
What are the options available under Mails?
Following options are available under mails.
- Inbox
- Compose Mails
- Sent Mail
- Deleted Mail
Mail is used for internal communication between Bank and the customer.
Inbox - Displays the mails sent by the administrator to the user in response to the mail sent by the user.
Compose Mails - It can be used by the user to report issues, raise requests and complaints etc to Administrator
Sent Mail – It can be used to view the mails sent by the user
Deleted Mail - All mails that are deleted will be displayed here.
What are Notifications?
Notifications are information’s shared by Bank Administrator to user. Users cannot reply to the notifications.
What are the different categories of alerts?
Alerts are mainly classified into Subscribed alerts and Mandatory alerts. Mandatory alerts will be delivered to you on the occurrence of particular event. Subscribed alerts will only be displayed if and only if you explicitly subscribe to the same.
How can I subscribe to alerts?
Other Options:
What are the type of accounts for which interest certificate can be viewed?
Interest Certificate for following type of accounts can be viewed
- Savings and Current
- Recurring Deposit
- Term Deposit
- Loans
Whether I can generate TDS certificate for my Deposit Accounts online?
TDS certificate can be generated for my Deposits Accounts online.
I am a user linked to the individual customer-id. What are possible types of limits I can set?
You can set the transaction count (daily and monthly permissible) and the transaction value (daily and monthly permissible).
Whether I can set the cooling period for the beneficiary?
No , you cannot set the cooling period for the beneficiary. The cooling period for the beneficiary is set by the Bank Administrator.
Can I edit my Address and other details through Internet Banking?
No, at present there is no provision to edit the address and contact details through Internet Banking. You can only view the profile post login.
SMS Banking
What are the transaction that are supported through SMS Banking?
Following transactions are supported through SMS Banking
- Account Balance Inquiry
- Account Statement Request
- Inquiry of last 5 transactions
- Request Cheque Book
- Stop Cheque Request
- Cheque Status Inquiry
- Deposit Inquiry
- Disable Account Access
- Help to get list of supported banking requests
- Definition/Modification of Primary Account Number
- Inquiry of Primary Account Number
Whether I need to submit any application for enabling the SMS Banking or Missed Call Facility?
Yes , you need to submit the form for enabling SMS Banking or Missed Call facility for your customer-id. Once the facility is enabled.
You need to send an SMS to register for the service. LVBREG<ONE SPACE><CUSTOMERID><ONE SPACE><ac
FAQ for SMS Banking and Missed Call Banking:
Whether we need to register separately for SMS Banking?
Yes, you need to register separately for SMS Banking and Missed Call service. This service is restricted only to Retail users.
Already I had subscribed to SMS Banking and/or Missed Call. Do I need to re-subscribe again?
No, if you had already subscribed to SMS Banking and/or Missed call, then there is no need to subscribe separately for SMS Banking and Missed Call.
Whether there is a change in the process to subscribe for SMS Banking and Missed Call?
Yes, there is a change in the process to subscribe for SMS Banking and Missed Call.
SMS Banking - New Process
|
SMS Banking - Earlier Process (withdrawn now)
|
Customer need to apply in a prescribed format for Missed Call Banking. The default account to be configured can be set at the time of registering for the facility.
For Self Onboarded Retail Internet Banking users, SMS Banking and Missed Call Banking should be enabled by default
Now customer need to register for the SMS Banking by sending SMS as LVBREG<SPACE><CUSTOMERID> to 9282441155
|
Customer need to register for SMS alert by sending the message LVBREG <SPACE><CUSTOMERID><SPACE><ACCOUNT>
The account will be set as the default account.
|
Missed Call Banking- New Process
|
Missed Call Banking - Earlier Process (withdrawn now)
|
Customer need to apply in a prescribed format for SMS. The default account to be configured can be set at the time of registering for the facility.
Once registration is completed. User can initiate a missed call to the number 8882441155 and he user should get the balance of his default account.
|
Customer need to register for SMS alert by sending the message LVBREG <SPACE><CUSTOMERID><SPACE><ACCOUNT>
On T+1 , missed call facility will be enabled and the user can get the balance by giving a missed call to the number 8882441155.
|
What are the services available in SMS Banking ?
SMS FORMAT
|
Description
|
LVBREG<SPACE><CUSTOMERID>
|
Register for SMS Banking / Missed Call Service
|
LVBBAL
|
View the balance of the primary account.
|
LVBBAL<SPACE><Last 6 digits of the account number>
|
View the balance of the Account Number
|
LVBTXN
|
View Last 5 transactions of the primary account
|
LVBTXN<SPACE><Last 6 digits of the account number>
|
View the Last 5 transactions of the Account
|
LVBTDQ<SPACE><LAST 6DIGITS OF THE ACCOUNT NUMBER>-<Deposit Number>
|
Query the details of the TD
|
LVBCHQ<SPACE><Last 6 digits of the account number><SPACE><Cheque Number>
|
Check the status of the cheque number
|
LVBSTCHRQ<SPACE><Last 6 digits of the account number><SPACE><Cheque Number>
|
Stop the payment of the cheque
|
LVBPAQ
|
Inquire the Primary Account
|
LVBPAU<SPACE><Last 6 digits of the account number>
|
Update the account as Primary Account
|
LVBCHRQ<SPACE><Last 6 digits of the account number>
|
Initiate the cheque book request for the account
|
LVBDEL
|
Disable the userid
|
What are the services available in Missed Call Banking?
You can inquire your default account balance by giving a missed call to number 8882441155
I gave a missed call and I didn’t received the balance ?
Check whether the mobile number from which missed call has been given is registered with the Bank.
Security Tips
What are the Security tips that should be adhered by me?
Technology is fast evolving and so are the threats. There are no defined steps that can keep you completely protected against malicious attacks. Here are the few security tips that can be helpful.
- Ensure that Devices from which you access Internet Banking is protected from unauthorised access.
- Install Genuine version of Anti-virus and Malware protection on the devices
- Ensure that the Operating systems are patched properly and kept upto date.
- Avoid Using Public Wi-Fi or VPN softwares
- Avoid accessing Internet Banking application from Public places.
- Change your password regularly and ensure it's a strong one.
- Don’t disclose user-id, account number, secret question and answers, Transaction PIN etc to others. Never share these details with others, even family members. Do not reveal them to anybody, including Bank’s employee.
- Always validate the url using which you are accessing the Internet Banking. Never access Internet Banking using the links shared via emails, SMS (including short URLs), Notifications etc.
- Check the debit, credit and other notification sent by bank over SMS, Email etc to identify any unauthorised transactions.
- Verify your account statement regularly to ensure that the transactions reflecting in your account statement are valid.
- Always make it a habit to logout of the Internet Banking Application, as soon as you leave the seat.
2FA
Authentication refers to establishing the identity of the customer (typically user from Internet Banking perspective). There are various ways to establish the identity of the user, first, there should be something unique to the customer (say User-id). However, Userid can easily be tracked. Hence for establishing the identity of the user, the user needs to key-in something which he knows (Eg: Password). Two-factor Authentication is a combination of two different modes of authentication:
- What the user knows : Passwords, TPIN etc
- What the Users have: OTP over Phone, Digital Signature Certificate etc.
LVB offers two different types of Second Factor Authentication. They are as follows:
- OTP (One Time Password) over Mobile for all Retails IB Users.
- Digital Signatures Certificate Token for our Corporate IB users. Retail IB users can also opt for Digital Signature Certificate Tokens.
No, second factor authentication is mandatory for carrying out financial transaction
OTP Stands for One Time Password. For certain Financial and Non-Financial transactions, customer will have to authenticate using one time password received over his Mobile Phone, in addition to the Transaction Pin being used.
Customer has to key in the One-time password along with the T-Pin for completing the transaction successfully. In case, if the user doesn’t receive the OTP, OTP can be regenerated using the ‘Regenerate OTP’ button in respective screen.
As mentioned earlier, OTP provides second factor of Security and control for the transaction initiated. This prevents others from misusing your Online Banking account.
No, System will enable OTP for the registered mobile numbers by default, for all the Internet Banking users from 1st March, 2015 onwards.
It is free of charge. When your mobile number is on international roaming, corresponding SMS charges may be applied by your network provider.
No, OTP will be sent to the registered mobile number only. Hence, it is necessary for the user to keep the Registered Mobile Phone while doing transaction.
No, every OTP sent will be transaction specific and hence it is valid only for that particular transaction and cannot be used for any other transaction.
Every OTP generated will be valid for 10 Mins and can be used for one transaction/request only.
OTP can be sent through either of these two different Channels.
- Registered Mobile Number in the form of SMS
- Registered EMAIL id.
By default, OTP will be enabled in the SMS Channel. For NRI customers, E-Mail id will be delivery mode for OTP.
OTP will be sent only for the domestic (Indian) operator Numbers, In case of Foreign Operators, Customer can opt for Email as the mode of OTP delivery. We also recommend the user to secure their mail from unauthorized usage/viewing.
OTP will be sent only to the registered mobile number, if the registered Mobile number is enabled for International Roaming, OTP will be delivered. However, subscriber charges for International roaming will apply. The OTP delivery will depend on the Telecom Service Provider arrangements with TSP at respective places.
Yes, you need to request for changing the Mode of OTP Delivery as ‘E-MAIL’ by submitting a request, and receive OTP via Email.
You cannot complete the transaction if wrong OTP is keyed in. For security reasons, OTP will be disabled, if incorrect OTP is keyed in continuously.
You can visit your Home Branch and submit a request letter for change of Mobile number. Mobile Number will be changed in 2-3 working Days.
Either you are entering an incorrect OTP or you had regenerated OTP multiple times. Always the last generated OTP will be active. In such case, you may close the transaction and reinitiate it.
There are various reasons for the non-delivery of OTP. Some of them may be as follows:
- Change in the Mobile number and is not registered with the Bank.
- Message with sender-id as ‘LVBANK’ has been marked as ‘SPAM’ or blocked in the mobile device.
- Customer Mobile is not having enough Storage Space for receiving Messages, device or messaging service of Phone is not working- Mobile phone memory to be checked.
- Mobile accounts if in roaming plan or if barred from receiving text messages , SMS might not be allowed/delivered
- Mobile network related problems, where there is a technical issue like Busy SMS center in the Service operator side due to which SMS is not being delivered.
If all the above conditions are checked but still the OTP are not getting delivered, customers are requested to contact the base branch for more information.
Digital Signature Certificate