Netbanking Benefits – Its Importance in Online Personal Loan

why is netbanking important

Introduction

Internet banking/online banking, and also commonly known as ‘Netbanking’, has been the harbinger of digitalization in India’s BFSI sector. The moment this concept was introduced by banks to cater to their digital economy audience, it became a widely accepted payment mode, especially for millennials.

If it is a transfer of funds or shopping online for the perfect Valentine’s Day gift, netbanking allows you this and more. Netbanking has also become a way for you to get an online personal loan. At Loan Singh, for example, you can make use of netbanking not just to submit your latest 6 months bank statement, but also to make EMI repayments (in case NACH not enabled).

If you haven’t activated netbanking towards your savings bank account, then you are missing out on a number of financial transaction conveniences. You can make your life much simpler and convenient by utilizing netbanking.

 

Bank Statement for Personal Loan Online

While applying for an online personal loan, you need netbanking credentials at 2 junctures – while applying for a personal loan online on Loan Singh’s digital lending platform, and to make EMI repayments (if you provide Loan Singh with a NACH mandate, then your EMIs would be auto-debited).

Why does Loan Singh require your bank statement?

A bank statement is a record of all the financial transactions that you have performed using your bank account. Earlier, the most common way to print a balance statement was by visiting the bank branch and asking the clerk to print the statement of the intended tenure. A bank statement hosts information pertaining to your expenses, income, payments, auto debits, etc.

Spending record – All that you spend, via your bank account, can be viewed on the bank statement. Transactions involving cheques, ATM cards, credit cards, etc. are registered on your bank statement. It also tells you when you have made the payments. If you want to maintain a budget, a bank statement is a quintessential requirement.

Proof of reconciliation – The bank statement acts as a proof in case your loan is rejected due to fewer funds or no credit history.  In case, if you feel you have more money in your account than what the bank claims, then you can reconcile using your bank statement. It can also show you any unauthorized charges levied by the bank on your account.

Accounting activity – The bank statement tells you how much funds you had at the start of the accounting year, how much at the end of it, how much you deposited, and how much you withdrew. Any chances of fraud, for e.g. in case of a credit card misuse can be detected via the bank statement. You can then report the misuse to the bank.

 

why is netbanking important

What is Internet Banking?

Internet banking refers to a set of banking services, provided by banks, to be performed via the internet. Internet banking is performed through your computer system, or smartphone, which connects to your bank’s server for any transaction. Banking is now no more limited to repeated visits to the bank in-person. You can do most of the banking activities via internet banking. You can easily keep track of your account transactions and balance. Some services that you can perform via internet banking are:

Accounts Summary

  • Track your savings account transactions and balance
  • Start and manage a Fixed Deposit, a Recurring Deposit or even an FCNR (Foreign Currency Non-repatriable) deposit
  • Get an overdraft against a fixed deposit

Fund Transfer

  • Transfer funds within the same bank (between Re.1 to Rs.10 Lakhs per day)
  • Instant fund transfer using IMPS
  • Transfer funds to any other bank’s account viaNEFT
  • PerformRTGS between amount Rs.2 Lakhs to Rs. 10 Lakhs
  • Access to UPI
  • Transfer funds to someone outside of the country

Enquiry

  • Download a transaction statement
  • Track the status of Fixed or Recurring deposits, if any
  • Track any cheque transactions
  • Enquire about Tax Deducted at Source (TDS)

Request

  • Request the bank for a CIBIL report
  • Update your KYC
  • Request for a new Cheque book
  • Request the issuing of Demand Draft which is couriered to the applicants’ updated address
  • Update Permanent Account Number (PAN Card Number)
  • Submission of Form 15H (No Tax deduction at TDS for Senior Citizens) & 15G (for others)
  • File your Income Tax Returns

Miscellaneous

  • E-payments for bills like telephone, gas, etc.
  • Send in a request for a new Credit Card, debit card, pin generation, Forex Card or Gift card
  • Invest in mutual funds
  • Purchase insurance for protection, savings, health, etc.
  • Offers on interest rates by banks

 

Facets of Netbanking

There are many features and facets that you need to know about netbanking.

  • Netbanking is easy to understand and operate
  • You can perform multiple financial operations at one portal. No need to stand in queues to update your passbook or pay bills or transfer funds
  • It is available 24×7 and 365 days a year at your disposal. Now, with telecom companies making 4G Internet available, you can operate your internet banking account on the go
  • Fund transfer happens quickly from your account to others, also allowing you to monitor your account against any fraudulent activity or threat
  • You can easily update personal information such as PAN, Aadhaar Number, etc.

Secured Connection

When connecting to your netbanking account, make sure you do so from a trusted network. A padlock icon on the left-hand side of the netbanking URL means the connection is encrypted. Make it a habit to include ‘https’ at the beginning of each URL.

Safe Browser

A good practice is to logout from an internet banking session, thus preventing session hacks. And clear your cache at the end of a session removing details from your browsing history. You can even use browser’s incognito mode.

Strong Password

Use a combination of upper-case & lower-case letters, numbers and special characters to make it unique. When providing answers to security questions set up by the bank, they don’t have to be genuine. Keep changing the password at least once in 2 months.

Encryption

Always try and remember to switch-off your Wi-Fi when not in use. Do the same for Bluetooth. Avoid using unknown or public Wi-Fi/hotspots, as information sent over an unsecured wireless network is information sent in plain sight – basically opening your internet banking website to anyone on that wireless network.

Protection Software

Use antivirus software on your system which prevents attacks from Trojans and other malware. Keep your operating system and other security software updated.

 

Netbanking Benefits

Some benefits that netbanking provides are:

  • Paying your bills online without worrying about visiting the bank branch
  • Check your account history and list of transactions
  • Catch errors in the bank statement easily
  • Keep track of any impending transactions
  • Swiftly Transfer money between accounts
  • Transactions are also held securely
  • There will be a transfer limit for the day. Check with your bank
  • Netbanking can be enabled over the bank’s smartphone app
  • You can avail all of netbanking’s benefits on the go
  • Download proof of statements such as those needed by Loan Singh

 

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