Online Account Opening Checklist
Before You Start
Verify you have all required documents before beginning the online account opening process. Missing any item will stop the process.
Verification Complete
Check the list below for required items
Documents You Have
Missing Documents
Thinking about starting a new savings or current account without leaving your couch? Indian Bank is a public sector bank in India that now offers a fully digital onboarding process. In this guide you’ll see exactly what you need, which screens to tap, and how to avoid the common hiccups that trip up first‑time users. By the end, you’ll be ready to launch your Indian Bank online account in under 15 minutes.
Why Go Digital with Indian Bank?
Traditional branch visits still exist, but the digital route saves you time, paperwork, and often money. Here are three reasons most customers switch:
- Instant verification using Aadhaar‑based eKYC eliminates the need for physical document submission.
- 24/7 access through the mobile app means you can fund, transfer, and monitor your balance anytime, anywhere.
- Zero‑balance current accounts for small businesses are now available only through the online channel.
Prerequisites Before You Click ‘Submit’
Make sure you have these items ready; missing any of them will stop the process mid‑flow.
- Aadhaar is the most common ID for eKYC. You’ll need your 12‑digit number and the biometric consent screen.
- PAN card (Permanent Account Number) is required for tax reporting on interest earnings.
- A valid mobile number (ideally the one linked to your Aadhaar) to receive OTPs.
- Bank‑linked email address for transaction alerts.
- Optional but recommended: a digital signature (DSC) if you plan to open a corporate or NRI account.
Step‑by‑Step Walkthrough
Follow these screens exactly as they appear on the Indian Bank website or mobile app. The flow is the same on Android and iOS.
- Visit the ‘Open Account’ page. The URL ends with "/online‑account‑opening" - watch out for phishing clones.
- Choose the account type: Savings, Current, or Senior Citizen. For most users, Savings is the default.
- Enter your name, mobile number, and email. The system runs an instant duplicate check to ensure you don’t already have an account.
- Click ‘Proceed to eKYC’. You’ll be redirected to the UIDAI consent page. Accept the terms, and the Aadhaar number you entered earlier is verified in real time.
- Upload a clear photo of your PAN card. The OCR engine extracts the PAN number automatically, which you can edit if needed.
- If you selected a Current account, you’ll see an extra step to upload a digital signature certificate. This is optional for Savings accounts.
- Upload the .pfx file and enter the password you received from the certifying authority.
- Set your 4‑digit MPIN. This will be your primary login for the mobile app and USSD banking.
- Review the summary screen. All the data you entered appears here. If something looks off, hit ‘Edit’ before final submission.
- Submit the application. You’ll receive an OTP on the mobile number you provided; enter it to confirm.
- Within seconds you’ll see a success screen with your new account number and a QR code to download the mobile app.
That’s it - your account is live, funded, and ready for transactions.
Funding Your New Account
Indian Bank offers three quick ways to add capital:
- UPI - link any UPI ID (Google Pay, PhonePe, etc.) and transfer up to ₹2 Lakhs instantly.
- NEFT - use your existing bank’s net banking portal for same‑day transfers.
- Direct deposit of salary via the employer’s payroll system, using the account number you just received.
All three appear under the “Add Money” tab in the mobile app, and the balance updates in real time.
Common Pitfalls and How to Fix Them
Even a well‑designed flow can throw curveballs. Here are the top five issues and quick fixes:
| Error | Why It Happens | Resolution |
|---|---|---|
| OTP not received | Mobile number not linked to Aadhaar or network glitch | Verify mobile number in UIDAI portal, then retry after 5 minutes. |
| OCR fails to read PAN | Blurry photo or glare | Retake the photo with good lighting; ensure the PAN card fills the frame. |
| Duplicate account detected | Existing account under a slightly different name spelling | Contact Indian Bank’s helpline with your Aadhaar number; they can merge records. |
| Digital signature upload error | Incorrect .pfx password or corrupted file | Regenerate the DSC from the certifying authority and retry. |
| Account remains “Pending” after submission | Backend verification delay (usually < 24 hours) | Check the status under “My Applications” in the app; if stuck > 48 hours, raise a ticket. |
Security Tips for Your New Digital Account
Going online is convenient, but you still need to protect your credentials.
- Enable device‑level fingerprint or facial authentication for the mobile app.
- Set up transaction limits (e.g., ₹50 000 per day) in the app’s security settings.
- Never share your MPIN or OTP with anyone, even if they claim to be bank staff.
- Regularly review the “Login History” section to spot unauthorized access.
- Update the app every time a new version is released - security patches are bundled.
What Happens After Opening?
Once your account is active, Indian Bank automatically enrolls you in several value‑added services:
- Free SMS and email alerts for every debit or credit.
- Instant issuance of a virtual debit card that works on UPI.
- Eligibility for a zero‑balance savings account with a 4% annual interest rate (as of Oct 2025).
- Access to the bank’s “Easy Credit” micro‑loan product after six months of transaction history.
All of these can be turned on or off from the ‘Settings’ tab in the app.
Frequently Asked Questions
Can I open a joint account online?
Yes. During the account‑type selection, choose ‘Joint Savings’ and provide Aadhaar and PAN details for both account holders. Both parties must complete eKYC separately.
Is there any fee for the online opening process?
Indian Bank does not charge any processing fee for a digital Savings or Current account. However, a nominal fee may apply for a DSC if you need one for a corporate account.
What if I don’t have an Aadhaar number?
You can still open an account using the traditional “in‑person” KYC at a branch, but the online portal will not accept the eKYC step. Some users opt for a temporary Aadhaar enrolment to fast‑track the process.
How long does the verification take?
Real‑time Aadhaar verification and PAN OCR happen instantly. Backend checks (e.g., duplicate account) may take up to 24 hours. You’ll get a push notification once the account is fully active.
Can I upgrade to a premium account later?
Absolutely. Log in to the app, navigate to ‘Account Services’, and request an upgrade to the “Premium Savings” tier. The bank will ask for additional KYC documents, such as proof of income.
Ready to skip the line and get your account on the fly? Follow the steps above, keep your documents handy, and you’ll be banking with Indian Bank from day one.
