Online Security

    INDUSIND BANK uses the encryption under the industry standard technology called SSL ('128-bit Secure Socket Layer '). However, level of encryption between client’s Internet Browser & Web Server is primarily depends on the version of Internet Browse you use. Please always use highest available version of Internet Browser to ensure highest possible level of encryption while transacting online. Plus, a host of internal control measures and processes ensure that your transactions remain confidential. We have recently acquired ISO/IEC 27001 certification for our data centers which is an International Standard for Information Security.

    IndusInd Bank currently offers its NetBanking customers some of the services provided through its regular branch channels. These services can broadly be clubbed into query-based and transaction-based. Examples of query-based transactions include checking account balances, update on cheque status/ cheque book status, and viewing account statements. Transaction-based services include stop payment on cheque, requesting a Demand Draft / Managers Cheque / new Fixed Deposit / Funds Transfers.

    While NetBanking is essentially an additional banking channel that we offer our customers for their convenience, IndusInd Bank has assessed the risk from the operational as well as from a technology and security perspective. Some of the risks that we have considered are mentioned below:

    • Authentication of Transaction by the customer is a key risk area from an operational perspective. As a precautionary measure, we have installed a multi-level process, whereby customers can perform NetBanking transactions only if they are valid account holders, and then by using a combination of a unique Customer ID, and a unique randomly generated password known only to the customer, which he can change to his/her convenience. The onus of maintaining the confidentiality of the password is on the customer. Further, customers can only do financial transactions between accounts where they already possess normal operational rights.
    • Repudiation of transaction by the customer is another risk that has been identified. However, customers can log in only by using a unique combination of Customer ID and Password, after which transactions can be carried out. The Bank has already implemented 128-bit SSL encryption.
    • From a technology perspective, we have ensured that we use the best available technology for security/ protection. We use 128-bit SSL, and have various levels of security to ensure that unauthorized access is not possible. We have a dedicated team that supervises the banking systems, 24x7 in our data center.

    The operational and internal control measures we have in Netbanking include:
    • The password - generated using an internationally validated algorithm and printed on tamper-proof stationery.
    • Access to customer information - given based on a combination of a unique Customer ID and password. Therefore, a customer can access account information only on those accounts where he has a relationship with the bank (Account Holder).
    • All correspondence on account of transactions originating from NetBanking is sent to the customer's address registered with the Bank and not to any third party address.
    • Account related customer information or instruction which are confidential in nature are not solicited \ accepted over email.
    • Customer logins and activities are tracked and the same are available for future investigation.
    • There are limits on the monetary transactions that customers are allowed to do on Internet Banking
    • IndusInd Bank follows a strict policy of Backup, Storage and Retrieval for all its systems, which includes NetBanking.
    • Information that you provide, or that we can ascertain from the history of on-line transactions that you undertake using the service, will only be used to carry out your instructions and for the purposes described when you register/apply for NetBanking and in the Terms and Conditions that apply to your account.

    Changes to the Online Practices Privacy Policy
    If we make changes to the Security Policy or make any material changes to our online services, we will revise the security Policy to reflect such changes and revise the policy's effective date.

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