SMS & Missed call Banking

FAQ on SMS & Missed call Banking FAQ’s
FAQ on SMS & Missed call Banking

Dear Customer, SMS, Missed call and USSD banking are services under the mobile banking product suite of ESAF SFB. Using these services, the customers can avail a variety of financial and non-financial services.
The information shared through these services can be categorized under 2 categories, “Pull information” and “Push Alerts”
Pull information is provided by the bank to the registered mobile number of the customer in response to customer requests using SMS, Missed call or USSD. Push alerts are information/alerts related to account, account credit, account balance etc. that are provided automatically by the bank to the registered mobile number of the customer without any customer request.

Dear customer, there are various financial and non-financial services that that can be availed using SMS, Missed call and USSD banking. Provided below is the detailed list of services.

  • Balance enquiry.
  • Mini Statement.
  • Fund Transfer - Using Mobile No. & MMID.
  • Fund Transfer - Using Account No. & IFSC.
  • Know MMID.
  • Generate and Change MPIN.

Dear Customer, any mobile handset capable of text messaging functionality will suffice the requirement of SMS, Missed call and USSD banking.

Do I require internet connection for availing the services under SMS, Missed call and IUSSD banking?

Dear Customer, Internet connection (GPRS) is not required for availing the services under SMS, Missed call and USSD banking.

Dear Customer, The customer account should be mapped with a registered mobile number to avail of the services under SMS, Missed call and USSD banking.

Dear Customer, the USSD banking service is managed by National Unified USSD Platform (NUUP). It is a mobile banking service provided by NPCI (National Payment Cooperation of India).

Dear Customer, the above error messages are received in the following scenario.
If your mobile operator does not support USSD service. You can get the list of the operators on NUUP by visiting. http://www.npci.org.in/pro_pb.aspx
In case your mobile operator supports USSD service, the error may be due to a network error in your area. You can try initiating the transaction after sometime. In case the issue persists, please check with your mobile operator.

Dear Customer, The maximum limit of fund transfer per customer on NUUP is Rs.5000 per day.

How many transactions are allowed per session?

Dear Customer, only one transaction is allowed per session.

Dear customer, ESAF SFB does not levy additional charges for services availed using SMS, Missed Call and USSD banking. However, your telecom service provider might charge for SMSs as applicable as well as up to Rs 1.5 per USSD session. There might be charges for fund transfer using IMPS services using USSD banking. Please click on the link "Schedule of Charges".

Dear Customer, please visit the nearest ESAF SFB Branch or contact Customer Care.