Nainital Bank, established in 1922, is a scheduled commercial bank headquartered in Nainital, Uttarakhand. It is a subsidiary of Bank of Baroda (BoB), holding a 98.57% stake. The bank operates across Uttarakhand, Uttar Pradesh, Delhi, Haryana, and Rajasthan, offering a wide range of services that enable customers to access their account information and perform essential banking transactions without visiting a branch. Among these services are SMS Banking, Mobile Banking, and Internet Banking, each designed to provide quick and secure access to your account details.
SMS Banking For Balance Enquiry
For a swift and hassle-free way to check your account balance and recent transactions, Nainital Bank provides an SMS Banking service. By sending specific keywords from your registered mobile number to the designated number, you can access various services:
- Balance Enquiry: Send
BAL <16-digit Account Number>to 9219510023 to receive an SMS with your current account balance. Example:BAL 1234567890123456 - Mini Statement: Send
MINI <16-digit Account Number>to 9219510023 to receive the last five transactions via SMS. Example:MINI 1234567890123456
To utilize this service, ensure that your mobile number is registered with the bank. This service is available 24/7, providing you with access to your account information whenever needed.
Mobile Banking Services (NAINI DIGI)
Nainital Bank’s Mobile Banking service, known as NAINI DIGI, allows you to perform various banking operations through your mobile device. This service is available on most handsets and does not require internet connectivity for basic functions. Some of the key features include:
- Immediate Payment Service (IMPS): Transfer funds instantly using mobile numbers and MMIDs or account numbers and IFSC codes.
- Balance Enquiry: Check your account balance in real-time.
- Mini Statement: View the last five transactions on your account.
- Cheque Services: Request cheque books and inquire about cheque status.
To register for Mobile Banking, visit your nearest Nainital Bank branch and fill out the Mobile Banking Application Form. Once registered, you can perform transactions by sending specific SMS commands to 9219510023.
Internet Banking (NAINI NET)
For a more comprehensive banking experience, Nainital Bank offers Internet Banking services under the name NAINI NET. This platform provides a multitude of features, including:
- Account Management: View your account balances, transaction history, and download account statements.
- Fund Transfers: Perform NEFT, RTGS, and IMPS transactions seamlessly.
- Utility Payments: Pay utility bills, recharge mobile phones, and settle credit card bills directly through the platform.
- Fixed and Recurring Deposits: Open and manage fixed and recurring deposits online.
To register for Internet Banking, download and fill out the Internet Banking Application Form from the bank’s website and submit it to your branch. Upon approval, you will receive your login credentials to access the platform.
Security Considerations
Nainital Bank places a strong emphasis on the security of its digital banking services. Features such as Personal Identification Numbers (PINs), One-Time Passwords (OTPs), and secure authentication methods are implemented to protect your account from unauthorized access. It’s advisable to regularly monitor your account statements and immediately report any suspicious activities to Nainital Bank’s customer care at 1800-180-4031.
In conclusion, Nainital Bank’s array of digital banking services, including SMS Banking, Mobile Banking, and Internet Banking, provide customers with efficient and secure methods to manage their finances. By leveraging these services, you can conduct your banking activities conveniently and confidently, knowing that robust security measures are in place to protect your financial information.
