Without card cash withdrawal at ATM with IMT (Instant Money Transfer)

Bank of India (BoI), in a first of its kind initiative has launched card-less cash withdrawal service at its IMT (Instant Money Transfer) enabled ATMs. The service allows Bank of India consumers to any person by using the receiver’s mobile number and a secret code via a text message.

The service can be availed either through Internet Banking or through IMT enabled ATMs.

It is a 24X7X365 facility and can be availed at any time of the day by both - sender and receiver.

The service can be of special use where the receiver needs emergency cash, doesn't hold a bank account or the bank account details are not available at the moment.

Process:

1. Receiver/Beneficiary Registration

It is mandatory to register the beneficiary/receiver before sending the money. Beneficiary registration by the sender, is a one-time activity. Registration can be done either through SMS or through BoI’s Retail Internet Banking. 

Registration over SMS:


Bank of India customers can send an SMS to +919223009988 from their registered mobile number in following format:

IMT <Receiver's Mobile Number>#<Receiver's name>#<Receiver's Address>#<Receiver's Address Pin Code>

 Registration through internet banking:

BoI customers can login to Bank’s Retail Internet Banking facility to easily register the receiver/ beneficiary by entering the receiver's name, mobile no., address and Pin code. It is a one-time procedure. If the sender wants he/she can subsequently delete these details.

2. Initiating the transaction

After successful registration of the receiver, customer's can initiate the transaction through Retail Banking facility or at an IMT enabled ATM.  The following details need to be provided to initiate the transaction:

1. Receiver's Mobile Number
2. IMT Amount
3. Secret Code (To be shared only and only with the receiver)


Once the IMT has been issued successfully, sender receives an SMS on his or her mobile number containing the following details:

• Receiver's mobile no.
• IMT amount
• IMT Validity Date (In case the receiver doesn't withdraw IMT by this date, IMT wibe cancelled by the system and amount shall be credited back to sender’s account. However, the charges for the IMT shall not be reversed. )
• IMT ID (a unique code which can be used to refer IMT transaction)

The receiver also gets an SMS containing following details:

• The IMT amount
• IMT ID (a unique code which can be used to refer IMT transaction)
• IMT Validity Date
• SMS Pin (System generated code, required for IMT withdrawal)

3. Money Withdrawal 

Once the above mentioned steps have been completed successfully the receiver can easily withdraw money from an IMT enabled ATM by providing following details:

• Mobile number on which receiver has received the IMT details
• The Secret Code (Communicated by Sender to Receiver)
• The SMS PIN (as received in the SMS post IMT initiation) 
• The IMT amount

Please note that partial withdrawal of IMT is not allowed. On successful withdrawal of money an SMS is sent to sender confirming the transaction.

Note: The above details have been provided on the basis of details available at Bank of India (BoI) website and a few other websites. The terms and condition of the service might be changed by the bank. For updated information please refer BoI website.

Lodge your complaint online regarding crime against women

While the general focus of this blog is to use internet for day to day tasks and make your life easy, it is important that we share information regarding portals that government provides to help citizens facing difficult situations in life.

Crime against women has been on rise in recent past and it seems only correct to spread information about National Commission for Women's (NCW's) online portal to file complaints regarding crime against women.

Online complaint registration against cases of domestic violence, harassment, dowry, torture, desertion, bigamy, rape, refusal to register FIR, cruelty by husband, deprivation, gender discrimination and sexual harassment at work place can all be done at the following link:

http://ncw.nic.in/onlinecomplaintsv2/frmHome.aspx

The form has detailed instructions in Hindi and English both for filing the complaint. the victim herself can also file the complaint. 

Once the complaint has been filed, the status update regarding the actions taken on the same can be seen at following link:

http://ncw.nic.in/onlinecomplaintsv2/frmPubLogin.aspx?ReturnUrl=frmComplaintStatus.aspx

For complete details we suggest you to refer following website: http://ncw.nic.in/

IMPS - Immediate Payment Service. The power of mobile banking

Launched in August 2010, IMPS i.e. Immediate Payment Service is one of the better initiatives by the government and banking institutions which despite being a useful service is yet to see the sort of success that it deserves.

IMPS is a 24X7 interbank electronic instant mobile money transfer service through mobile phones in India. The keywords here are instant and mobile.

Unlike NEFT transactions, payment transfers done through IMPS are instant which means the money is credited to the recipient's account within minutes of initiating the transfer. Moreover you need not have an internet connection to initiate IMPS transfer. The same can easily be done using SMS service of your mobile phone.

This takes us to the question - How to utilize this powerful service? Well its pretty easy. All you need to do is follow a few simple steps as below:

Steps for Sender:

• Register yourself for mobile banking service with your bank
• Get Mobile Money Identifier (MMID) and MPIN from the bank. For most of the private banks it can easily be generated through your online banking account. I have myself tried the same in HDFC and Citibank and the process is pretty smooth
• Use the SMS facility in your mobile if your bank provides IMPS on SMS or Download Software (Application) for mobile banking (ensure the compatibility of mobile with the application)

Steps for Beneficiary:

• Link your mobile number to the account in the respective bank.
• Get Mobile Money Identifier (MMID) from the bank

For Sender (To send money):

• Login to the application and select the IMPS menu from the IMPS or use the SMS facility in your mobile if your bank provides IMPS on SMS
• Get Beneficiary Mobile number and MMID
• Enter Beneficiary Mobile number, beneficiary MMID, Amount and your MPIN to send
• Await confirmation SMS for the debit in your account and credit in beneficiary account
• Note the transaction reference number for any future query

Some banks such as HDFC bank allow you to send money using IFSC code and account number of the receiver. The same is available through the online net banking account.

Finally, please note that maximum amount you can send to a particular bank account using IMPS service is Rs. 5000/- per day. 

For more details on IMPS please refer the website of National Payments Corporation of India (NPCI): http://www.npci.org.in/aboutimps.aspx

 

Filing RTI Application Online - Part 2

In case you are looking for step-by-step procedure of filing online RTI application, please follow my earlier post at this link: http://bit.ly/1eBPTcQ

This post is to provide you further information on RTI applicable once you have successfully submitted an RTI application:

1. The application filed through this Web Portal would reach electronically to the "Nodal Officer" of concerned Ministry/Department, who would transmit the RTI application electronically to the concerned CPIO.  
   
   
   
   2.     In case additional fee is required representing the cost for providing information, the CPIO would intimate the applicant through this portal. This intimation can be seen by the applicant through Status Report or through his/her e-mail alert.
   
   
   3.     For making an appeal to the first Appellate Authority, the applicant has to click at "Submit First Appeal" and fill up the page that will appear.
   
   
   4.     The registration number of original application has to be used for reference.
   
   
   5.     As per RTI Act, no fee has to be paid for first appeal.
   
   
   6.     The applicant/the appellant should submit his/her mobile number to receive SMS alert.
   
   
   7.     Status of the RTI application/first appeal filed online can be seen by the applicant/appellant by clicking at View Status
   
   
   8.     All the requirements for filing an RTI application and first appeal as well as other provisions regarding time limit, exemptions etc., as provided in the RTI Act, 2005 will continue to apply
   
   
   
   
   Further, Indian Citizens can now buy postal orders online to file RTI applications after payment of fee through a postal department website.
   
   
   Reference: https://rtionline.gov.in/guidelines.php?request as on March 23, 2014