NEFT through Internet Banking Channel (as Request) The Bank has extended Internet Banking Services as an alternate

delivery channel. Through this facility the customers besides viewing and monitoring his accounts, has also the convenience of making payment for paying various utility various bills/ taxes etc . NEFT facility is available to customers for remitting inter-bank funds through bank branches. Presently the customers can avail this facility by filling minimum required details at the bank branch. Now we have facilitated the same through Internet Banking Channel as Request Option. The Retails Internet Banking User will be required to fill request form for availing NEFT facility for funds transfer on the Retail Internet Banking website. This NEFT request will be processed at backend for initiating a NEFT transaction. We have built in necessary checks in the system to make the flow of request secured. Keeping in view the fact that NEFT transactions are to be affected within a specified time frame, necessary arrangements have been made to process the requests in the laid down time frame. For the benefit of the users, necessary Terms & Conditions for using the facility of submitting request for NEFT through Internet Banking Channel are being displayed on the Internet Banking website. To use the facility, user guide has been prepared for the benefit of the customers.

User Guide
For Submitting NEFT Request through Internet Banking Channel
1. 2. 3. 4. 5. Basic Information Terms and Conditions Submission of Request Cancellation of Request Query on Request

I.Basic Information
a. NEFT Request can be submitted from anywhere in India through our Internet Banking Channel. b. Messages will be processed at a centralized location i.e. PNB House, Mumbai. c. This facility is available only for corporate customers of the Bank using Internet Banking Channel.

Various Status of the Request for NEFT

SL No 1 2 3 4 5 6 7 Stage After Entry-Waiting Authorization After Authorization of Entry During Processing of Request After Rejection of Request by Relationship Manager/ User (Customer) After Processing of Request After Cancellation Approval Recalling Request Status of the Request Entered Pending Processing/under processing Rejected Processed/Closed Cancelled Recalled

II. The Terms & Conditions 1. Requests received from customers up to 3.30 PM on working days and up to 1 PM on Saturdays will be processed on the same day provided there is sufficient funds equivalent to the funds to be remitted and amount of service charges. 2. Funds will be transferred only to authorize NEFT Bank Branches. 3. Commission and RBI Charges (if any) will be debited to the Customer's Account. 4. The identified branch for processing of NEFT requests will reject requests without Customers Telephone Number, Date of execution, Beneficiary IFSC, Beneficiary Complete Account Number and name. 5. Advance NEFT Request should not be in more than 3 days from the date of submitting the request. 6. If the date of execution is a Bank Holiday then the same will be executed on the next working day. 7. Request received after the specified time of the execution date will be rejected/ executed on the next working day.. 8. Relation Ship Manager of BO: PNB House, Mumbai (identified branch) will intimate the rejection of request to the customer through email option in Internet Banking or over phone.

9.

Confirmation of NEFT along with Reference No. will be sent as mail to Customers Retail Internet Banking Id. 10. In case the NEFT transaction could not be processed due to any system failure on the date of execution the customer will be informed over telephone or email or written communication by identified branch. 11. Customer can cancel the request through Cancel Request option available on the website till the status of the same is Pending or Customer can contact the Relationship Manager of PNB House Mumbai for canceling the NEFT Request over telephone (number of relationship manager displayed on cancellation page at website) followed by written communication with the request number. 12. Cancellation will be allowed only if the status of the message is Pending in the Internet Banking website. 13. Requests once executed will not be reversed in any case. 14. Bank will not be responsible for any delay in receiving the request occurred due to Internet Connectivity or any other service providers issues. Relationship Manager of BO PNB House, Mumbai will inform the reasons to the customer and will seek for a new mandate if required. 15. Bank reserves to it, the right to amend, delete and add terms & conditions at any time. 16. Customer requesting for transfer of funds through NEFT will be required to abide by the above terms & conditions before proceeding to submit the NEFT Request. Process flow for NEFT Request At the Customer End

III. Submission of Request

Making Entries for the Request for NEFT by the enterer 1. The customer login to PNBs Retail Internet Banking website with his , user id and login password 2. Retail User entered the relevant details for NEFT transfer submits the Request using his transaction password. This will mark the status of the me request as Entered 3. In case NEFT Request is not to be sent or has been entered by mistake then the enterer can Recall the Request through recall button. This will change the status to Recalled

IV Cancellation of Request

1. The request can be cancelled only if it is in Pending Status and the following steps are required to be made:a. Check the status of the message b. If Status is Pending then i. Enterer submits the request for cancellation (Status will be changed to Waiting for Cancellation) ii. Approves the Cancellation Request with his transaction password. This will change the status to Cancelled

V . Query on Request
The status of the RTGS request can be checked by clicking on the Query on Request Option .In case the status of the message is Closed or Rejected then UTR No. or reasons of rejections is available at the Comments Fields of Relationship Manager. 6a In case the status of the message is Closed then the Request has been processed. Please see the Relationship Managers Comments fields for UTR Number and other details. In case the status of the message is Rejected then please see the Relationship Managers comments fields for Reasons for rejection

6b

Transaction flow for NEFT Request Option 1. The user logins into Internet banking site www.netpnb.com and below mentioned options are displayed:

We have started NEFT transfers through request option w.e.f 24.09.2007.Kindly Click Request link to proceed

2.

The user selects Request option and then click Request for NEFT

3. The terms and conditions for using NEFT Request option are displayed to the user. The user has to agree the terms and conditions.

4. The user then fills all mandatory details like Debit Account Number, Amount, Beneficiary Bank Name, Branch Name, IFSC Code, Beneficiary Account Number, Beneficiary Name, Phone Number etc.

5.

Once all the mandatory fields are filled the user selects Submit

6. The transaction password screen appears where the user enters his user id and transaction password and press submit.

7. Once the transaction is successful, user will get message Your request for NEFT has been submitted successfully and Reference id is generated.

8.

The user can Save or take a print out of the cyber receipt.

Cancellation of NEFT request 9. The user selects Request option and then selects Request for NEFT.

10.

The user then selects Query on Request and then press Retrieve.

11. All the NEFT requests made by the user are displayed. The user can select the specified Reference Number and selects Details button.

12.

The details of the request made are displayed. Press Cancel Request option.

13. The user then has to enter User Id and Transaction password for confirming canceling of request.

14.

Request Cancelled Successfully message is displayed and the request is cancelled.