Internet Banking FAQs

1. How shall I Login?

On submitting the registration form for Internet Banking you will get a Password mailer envelope from The Kalyan Janata Sahakari Bank Ltd.

This PIN mailer will be delivered to you within 10 days from the application. Another PIN for TPIN (TRANSACTION PIN) will be sent to your Home Branch within 10 Days of submitting application

form. You are required to show your identity proof when you collect the TPIN mailer envelop.

If you are authorizing your representative to collect the mailer envelope, you need to submit an authority letter verifying the signature of the representative copy of your Identity proof and he

should show his/her identity proof while collecting the TPIN. This is mandatory to ensure safety of your account.

The both PIN Mailers will have your password. It is a mandatory requirement to change these PASSWORDS at the first login.

On the login page, enter your Customer ID in the field of Login ID and enter your LOGIN PASSWORD in the field of Password. You will receive an OTP (One Time Password) on your registered Mobile Number.

Once you enter this OTP, system will ask you to change your password forcefully for the first login. System will not allow you to proceed without changing your default password.

Enter your default Password from the PIN mailer in the Old password box.

Enter a New Password of your choice. (The new Password length should be from 8 to 16 characters with minimum 1 lower alphabet, 1 special character and minimum 1 numeric with no space in between Example: kjsb@1234)

  • Enter same password in the field Confirm Login password.
  • Click on I agree button and Press OK.
  • Once you change the password with the one of your choice, you will get message "Login password changed successfully".
  • You are required to re-login again with New Login password by clicking on please re-login icon.
  • Repeat the above process for Transaction PIN also.
  • It is advisable to use Virtual Keyboard for more security.

2. Is there any charge for this service?

There is no charge at present for accessing Internet Banking system. However the Bank reserves right to introduce charges deemed fit at any time in future without prior notice to the customer.

Charges will be displayed on the KJSB website periodically. The customer is required to check the bank's website and Internet Banking site periodically.

3. What are the functionalities offered?

Following functionalities will be offered in phases:

  • Linked Accounts Details : Deposits and Loans
  • Account Statements
  • Fund Transfer: 1. Intra Bank       2. Inter Bank                                     
  • Cheque book Request
  • Status of Cheque
  • Opening of Term Deposits

4. How safe are my requests/transactions on Internet Banking?

We have built several security checks for protecting your Internet Banking transactions. You will be asked to enter your unique Customer ID & Password to verify your identity before accessing your internet banking account. To maximize the security & confidentiality of your transactions, your Login Password should not be accessible to anyone. Please do not share your Password with anyone. All the transactions i.e. fund transfers you do via internet banking need an OTP authentication. OTP is a unique one time generated password which is system generated & sent on your registered mobile no. directly by the system. OTP once generated for a particular transaction cannot be used again for other transaction.

Additionally you will have to confirm the transaction with your Transaction PIN.

The Bank is using all feasible measures to keep all transactions secure. However the customer should be aware that, Internet is an unsecure area and the customer has to be careful while using shared computers or Internet access devices. Leakage of the information or fraudulent transactions from shared devices will be the responsibility of the customer.  The Bank is not liable to reimburse any losses.

When you login to Internet Banking, your last date and time of login will be displayed so please make sure that it is you who accessed the Internet Banking system the last time.

In addition to these we have also provided a unique feature of Activity Log Report. This report gives the date & time wise activities carried out. We request you to check your activities before logging out. These features work together to maximize the security of your banking transactions. However, in order to ensure complete security, please log-out of Internet Banking after the completion of your transaction.

5. What kind of hardware & software are recommended for using Internet Banking more efficiently?

You can access the Internet Banking from any computer which has access to Internet. Be sure that your computer has an updated antivirus and a firewall in place to avoid pilferage.

Avoid accessing the Internet Banking site from any shared computer like an Internet Café or from open Wi-Fi hot spots. Your access codes can be copied.

Having the following will improve your internet security:

  • Newer version of Operating System with latest security patches.
  • Latest version of Browsers (IE 7.0 and above, Mozilla Firefox
  • 1 and above, Opera 9.5 and above, Safari 3.5 & above,
  • Google chrome, etc.)
  • Firewall is enabled.
  • Antivirus signatures applied.

6. I cannot read some digits of the Password. What should I do?

The Password is alpha numeric which is randomly generated by the system. The Password can only be read by you. We would therefore request you to apply for Regeneration of the password at your branch. Do not show it to anyone. (Even Your family members or Friends.)

7. Why is my Login Password not functioning?

There could be various reasons for the Login PASSWORD not functioning:

The Login PASSWORD is case-sensitive and may not have been entered in the same lower or upper case as mentioned in the Login PASSWORD envelope sent to you. Your key-board may be sticky, your access speed may be slow. If you face any problem while login to internet banking, call the KJSB on 0251-2219008, we will help you out.

8. How do I change my Login Password?

To change your Login PASSWORD, please follow the instructions given below:

Use the change password option on the home page to change your password. Be careful that your key in the password in the same manner as explained before.

9. If I forget the Internet Banking Password?

Password can be reset by following simple procedure:

Go to our website

Under login window, please click on ‘Forgot Password’ option.

 After clicking, you will be displayed the process to be followed for resetting the password, after going through the same please click on “Click here to proceed”

Now after completing following three steps, your new password can be set.

                Step 1 – Type your Customer ID

               Step 2 – Type your Registered Mobile No.

                Step 3 – Type the OTP (One Time Password) which is sent on your registered mobile.

After completing these 3 steps, you can reset the password in the new window. (For resetting Login Password & Transaction Password, the process will be the same.)

10. What are the measures I can take to ensure greater security?

Always change your password periodically. Refer Password related tips available on Change Password page to change the password. Avoid obvious passwords (names of family members, date of birth, pets, favorite player etc.) & do not share the password with anyone.

Never write your password on any location. Remember it always. If  you feel that your password is compromised, go online and change it immediately.

If you are using the internet in a public place (e.g. Cyber Café) do not leave the PC unattended, and ensure that no-one is watching what you type your user Id & password.

Every time you complete your online banking session, log off from the internet banking application URL.  Do not just close your browser.

Ensure that save history option on your browsers is disabled.

11. If I get a message “You have already logged in” hence unable to access the account.

This message is displayed when a user closes the session by clicking      button of the window, without logging out OR it may happen due to disruption in the connectivity. User can re-log in

after 5 minutes.

Please ensure that you have read the terms and conditions document properly before you access the Internet Banking system. Please counter sign the same and submit it to your home branch along with your registration form.     

The Bank is not to be held responsible for any fraudulent transactions from your ID at any time.


  • Access your  bank  website only by typing the URL in the address  bar of your browser.
  • Do not be lured if you receive an e-mail/SMS/phone call promising reward for providing your personal information or for updating your account details in the bank site.
  • Do not reply to any fraudulent mails purportedly sent by KJSB or any other authorities asking for your mail ID as well as Passwords and any other details. Please delete such mails because this is a phishing mail and accessing the mail in any manner could result in identity theft.
  • Scan your computer regularly with Antivirus to ensure that the system is Virus/Trojan free.
  • Avoid accessing Internet banking accounts from cyber cafes or shared Pcs. If you get a message (such as through a pop-up) asking information about your Debit Card or any account Details, please do not provide this information no matter how ‘genuine' the page appears to be. Such pop-ups are most likely the result of

malwares infecting your computer.

  • What is Extended Validation SSL?

Our Internet Banking website is a secured site having EVSSL certificate, which is indicated by padlock symbol. Extended Validation SSL Certificates give high-security web browser information to clearly identify a website's organizational identity. For example, if you use Microsoft Internet

Explorer 7 to visit a website secured with an SSL Certificate that meets the Extended Validation Standard, IE7 will cause the URL address bar to turn green. A display next to the green bar will toggle between the organization name listed in the certificate & the Certificate Authority (trust, for example). Firefox 3 also supports Extended Validation SSL. Other browsers are expected to offer Extended Validation visibility in upcoming releases. Older browsers will display Extended Validation SSL Certificates with the same security symbols as in the existing SSL Certificates.

  • Never use cyber cafes to access your online accounts.

Pcs at cyber cafes may be infested with viruses and Trojans that can capture & transmit your personal data to fraudsters. Beware of typing passwords on unknown PCs. If you do, ensure to change your password at the earliest using your own PC at your workplace or at home.

  • Use the Virtual Keypad.

Please remember to always use the facility of the Virtual Keypad, provided on the login page while logging on to your account from an unknown PC or from a cyber café.

  • Check the website you are visiting is secure. Before submitting your bank details or other sensitive information thefollowing checks will help ensure that the site uses encryption to protect your personal data: If the address bar is visible, the URL should start with ‘https://' ('s' stands for secured) rather that the usual 'http://'. Please note that the fact that website is using encryption doesn't necessarily mean that the same is
  • It only tells you that data is being sent in encrypted form.

Following the above steps would help you transact over the net in the most secure environment. We reiterate the following simple precautionary measures:

  • Never let anyone know your PINs or passwords, do not write them down. Do not use the same password for all your online accounts.
  • Use virtual keypad.
  • Avoid opening or replying to spam emails, even if purportedly sent by the Bank.
  • Do not be lured if you receive an e-mail/SMS/phone call promising reward for providing your personal information or for updating your account details in the bank site.
  • In case of suspicion, report the matter immediately to us on our customer care number or email us at
  • Look for the padlock symbol on the bottom bar of the browser to ensure that the site is running in secure mode.
  • Disable the "Auto Complete" function on your browser to prevent your browser from remembering Passwords.
  • Always logout to terminate your session, instead of closing the browser directly.
  • Always type the address of the bank website in the address bar of your browser or access it from your stored list of favorites.
  • Do not access the bank's website through a link in an email or through another website.
  • Avoid accessing Internet Banking through cyber cafes or public Wi-Fi spots.
  • Using special characters like # $@ etc. in your password is highly recommended.

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