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1. IMPORTANT DECLARATIONS

1. IMPORTANT DECLARATIONS

General Terms and Conditions for Airtel Payments Bank Limited (erstwhile known as Airtel MCommerce Services Ltd.)

As an Account holder of Airtel Payments Bank Ltd (hereinafter referred to as the “Bank”), the Customer is subject to the below Terms and Conditions (T&C). Any changes to the T&C will be available on the website www.airtel.in/bank the use of Bank services by the Customer is subject to the acceptance of the Terms and Conditions.

By enrolling for the Bank services, the Customer acknowledges that the Customer has read, understood and agrees to be bound by these Terms and Conditions.

I hereby state,

a. I understand that Airtel Payments Bank shall provide the option to open my Savings Account using a valid POI/POA of my choice. However, I have no objection now to the Aadhaar based authentication system and consent to provide my Aadhaar number, biometric for Aadhaar based Know Your Customer. I also give my consent for accessing mobile number and email-Id from the CIDR(Aadhaar system). I understand that I shall also have the option to delink my Aadhaar and related information from my account at a later date and can update another valid POI/POA of my choice.

b. I also have no objection to using Aadhaar based authentication service for availing various banking services at Airtel Payments Bank outlets.

c. The information provided by me and the data received from UIDAI in my respect is correct for applying Airtel Payments Bank Ltd. Savings account.

d. I hereby declare that I am a citizen and tax resident of the republic of India and not of any other foreign country. I also declare that my place of birth is in India.

e. I authorise Airtel Payments Bank to create a wallet, in case a savings account could not be created, due to failure of customer authentication or any unforeseen circumstances. I give consent to load the first cash-in amount deposited at the time of opening the account in the wallet account created in such events.

f. This biometric authentication can be treated as my signature.

g. I hereby declare that the information provided by me is true to the best of my knowledge and belief. I further declare that I do not have a Permanent Account Number and my/our estimated total income including income of spouse, minor child etc. (as per section 64 of the income tax act, 1961) computed in accordance with the provisions of the income tax act, 1961 for the financial year in which the above transaction is held will be less than maximum amount chargeable to tax. The PAN details provided by me are correct to the best of my knowledge.

h. I hereby give my express consent and agree to the Bank sharing my contact details including phone number and email id with a) any of its service providers, business correspondents, credit rating or investigation agencies or any other agencies for the purpose of providing Banking and allied services; and b) any regulatory, statutory, Government or legal authority as and when deems fit by the Bank and/or as and when requested by such authority.

I also understand,

a. That the Service Charges prescribed by the Bank that may be changed, amended, increased, modified or reduced at the Bank’s discretion, from time to time with prior intimation to the Customer in an upfront manner. For schedule of Service Charges please refer company website ( www.airtel.in/bank).

b. I, the account holder shall be solely responsible for the confidentiality, safety and security of the mPIN. I shall be the sole owner of the mPIN and shall be responsible for the consequences arising out of disclosure of the mPIN and/or the unauthorized use of its use and of Bank services. In case the mPIN is forgotten it can be regenerated through the Banking Points or through Bank app.

c. In case the mobile phone/ SIM card associated with the Bank services is lost/stolen/misplaced/ no longer in my control or possession or is not operational, I shall promptly inform Bank through its call centres or email registered with the Bank.

d. My savings account balance shall not exceed INR 1,00,000/-(Rupees One Lakh) at any given time.

2. DEFINITIONS

2. DEFINITIONS

  • Account” refers to the Customer’s savings account or Airtel money wallet or any other type of account so designated by the Bank to be eligible account(s) for the operations.
  • "Airtel Payments Bank Limited" is a company incorporated under the Companies Act, 2013 with its registered office at Bharti Crescent, 1, Nelson Mandela Road, Vasant Kunj, Phase II, New Delhi - 110070, India.
  • “Banking Points” shall mean and include business correspondent agents.
  • "Charge(s)" or "Service Charge" shall mean the charges which the Bank may levy upon the Customer in consideration for the Bank services.
  • "Customer" shall mean an individual person who has registered with the Bank for availing its services and has accepted all applicable terms and conditions of the Bank and owns a compatible mobile phone that supports Bank services.
  • “Customer ID”/ “Mobile number” shall be the ten digit mobile phone number of the Customer to be used for Account login.
  • "Enrollment Form" shall mean the form to be completed by the Customer along with necessary supporting documents, as required by the Bank.
  • "KYC" stands for Know Your Customer and refers to the various norms, rules, laws and statutes issued by RBI from time to time under which Bank is required to procure personal identification details and proof of address documents from the Customer as may be required from time to time for availing and / or continuation of the Bank services.
  • "mPIN" shall mean the 4 digit secret numeric password used to secure Bank Account, without knowledge of which the Bank Account may not be operable.
  • “Instruction”/ “Instruction(s)” means any request or instruction that is received from the Customer by the Bank through any Banking access channel.
  • “SMS Password (OTP)” refers to one time 6 digit pass code that would be sent to a Customer’s mobile number registered with the Bank.
  • "USSD" means Unstructured Supplementary Services Data and refers to a method of accessing and using the Bank Account, i.e. by dialing a specified short code from the mobile number registered with the Bank.

3. INTERPRETATION

3. INTERPRETATION

  • All references to singular include plural and vice versa and the word "includes" should be construed as "without limitation".
  • Reference to any statute, ordinance or other law includes all regulations and other instruments and all consolidations, amendments, re-enactments or replacements for the time being in force.
  • All headings, bold typing and italics (if any) have been inserted for convenience of reference only and do not define limit or affect the meaning or interpretation of these Terms & Conditions.

4. DOCUMENTATION

4. DOCUMENTATION

  • The collection, verification, audit and maintenance of correct and updated Customer information is a continuous process and Bank reserves the right, at any time, to take steps necessary to ensure compliance with all relevant and applicable KYC requirements. Bank reserves the right to discontinue services/ reject applications for Bank services at any time if there are discrepancies in information and/or documentation provided by the Customer at the time of Bank Account opening.
  • Any information(except Aadhaar), provided to the Bank with the intention of taking its services, shall vest with the Bank, and may be used by the Bank, for any purpose consistent with any applicable law or regulation, at its discretion.
  • Airtel Payments Bank reserves the right to decide whether cheque book can be provided as an instrument to the customer and also the clearing, collection and settlement facility for cheques. Presently, the above facilities are not available to customers
  • If the particulars provided by the Customer in the KYC documents do not match with details mentioned in the Enrollment Form, then Bank has the right to call for additional documents to the satisfaction of the Bank as per the extant KYC guidelines.
  • Airtel Payments Bank reserves the right to decide whether cheque book can be provided as an instrument to the customer and also the clearing, collection and settlement facility for cheques. Presently, the above facilities are not available to customers.

5. GENERAL CONDITIONS OF BANK SERVICE

5. GENERAL CONDITIONS OF BANK SERVICE

  • For an Airtel customer his/her mobile number shall be his/her Bank account number. For non Airtel customers his/her account number shall be a ten digit sequential number provided by the Bank. Notwithstanding anything, once Bank allots a mobile number as an account number to a Customer it is not subject to change in any case including a customer availing mobile number portability services or changing his mobile number and the same shall not be reassigned to any other Customer even if he/she possess the same mobile number.
  • The Customer may avail Bank services by approaching Banking Points and through Internet Banking as well. The list of Banking Points, any limits pertaining to the Account and methods of crediting Bank Account are subject to change as per discretion of Bank without any prior intimation to the Customer.
  • The savings account balance shall not exceed INR 1,00,000/-(Rupees One Lakh) at any given time.
  • The Bank would consider acceding to the fund transfers requests of the Customer within or external to the Bank, preferably through immediate payment service (IMPS) and resort to other modes only when IMPS is unavailable on best efforts basis.
  • The Bank shall reserve the right to close / temporarily block the Account of any Customer if:
  • Bank shall provide its services on best effort basis. Further Bank reserves the right to suspend/discontinue any of the Bank services at any time, for any cause, including, but not limited, to the following:
  • The Customer is permitted to maintain and operate only one Bank Account.
  • Bank does not sponsor any particular product or any business unrelated to banking and any payment for purchase of goods and services by using the Bank’s services will be confined to payment arrangement with such entities or its subsidiaries/associates/principal.
  • The limits for loading in your savings account using a debit card or net banking has been revised to INR 2000 per transaction effective 30 August, 2018. The option to load higher amounts using IMPS or NEFT or UPI or Banking Correspondent continue with no changes. Customers who have done an online transaction of greater than INR 2000 will be exempted from these limits.
  • Customers can get “CUSTOMER PROTECTION POLICY” and “GRIEVEANCE REDRESSAL POLICY" in Hindi or other regional languages by calling our customer care center at 400 (Airtel) or 8800688006 (others). 

6. BANK CHARGES

6. BANK CHARGES

  • The Customer shall pay the Service Charges prescribed by the Bank that may be changed, amended, increased, modified or reduced at the Bank’s discretion, from time to time with prior intimation to the Customer in an upfront manner. For schedule of Service Charges please refer company website www.airtel.in/bank)

7. CUSTOMER OBLIGATIONS

7. CUSTOMER OBLIGATIONS

  • The Customer shall be solely responsible for the confidentiality, safety and security of the mPIN. The Customer shall be the sole owner of the mPIN and shall be responsible for the consequences arising out of disclosure of the mPIN and/or the unauthorized use of its use and of Bank services. In case the mPIN is forgotten it can be regenerated through the Banking Points or through Bank app.
  • In case the mobile phone/ SIM card associated with the Bank services is lost/stolen/misplaced/ no longer in the Customer’s control or possession or is not operational, the Customer shall promptly inform Bank through its call centres or email registered with the Bank.
  • The Customer shall intimate Bank about change in any information, including but not limited to change in address etc. within one week along with such proof of change as per the KYC documents prescribed by the Bank and further provide any information and document that Bank may request from time to time
  • The Customer shall not use the Bank services for any purpose that might be construed as contrary or repugnant to any applicable law, regulation, guideline, judicial dicta, Bank policy or public policy or for any purpose that might negatively prejudice the goodwill of the Bank.

8. CONTACT INFORMATION

8. CONTACT INFORMATION

  • Call Center: For airtel Customers: 400; For Other operators: 8800688006 (Standard calling rates apply). Customer Call Center / IVR will be available in Hindi, English and Major regional languages.
  • Email: wecare@airtelbank.com
  • Website: www.airtel.in/bank

9. INTEREST ON SAVINGS BANK DEPOSIT

9. INTEREST ON SAVINGS BANK DEPOSIT

  • Bank pays interest monthly at published interest rates on the daily end of day balance in the savings accounts.

10. RECOVERY IN CASE OF EXTRANEOUS CREDIT

10. RECOVERY IN CASE OF EXTRANEOUS CREDIT

  • If no funds are available in the Bank Account to pay fees/charges, Customer authorizes Bank to set off any available credit, including future amounts flowing into the Bank Account.

11. ACCOUNT FREEZE

11. ACCOUNT FREEZE

  • The Bank has the right to freeze the Bank Account if it is suspected that operations in a Customer’s Bank Account are being carried out in disproportion to his/her profile and/or source of funds are not known to the Bank.

12. ACCOUNT CLOSURE

12. ACCOUNT CLOSURE

  • Customer authorizes the Bank to close his/her Bank Account in the following circumstances, with intimation on high occurrences of dishonored Payments from my Account. If the Bank is not able to verify my Identity/obtain the necessary documentation either because the Customer didn’t cooperate or if the data/information provided by the Customer is not reliable.

13. REVERSAL OF ENTRIES:

13. REVERSAL OF ENTRIES:

  • The Bank reserves the right and the Customer hereby authorizes the Bank to reverse any entries erroneously/extraneously passed, with or without notice to/from the Customer and to debit/credit the Account to the extent required to correct any erroneously/extraneous entries that may have been inadvertently made by the Bank.

14. DORMANT ACCOUNTS:

14. DORMANT ACCOUNTS:

  • The Bank shall flag the Account as “Dormant” if the Account remains inoperative for continuous period of two (2) years and no transactions are carried therein. The Customer agrees that the Bank may place restrictions on the operation of the Account till such time the Customer reactivates the Account through a process specified by the Bank. For this purpose Customer induced transactions shall only be considered.

15. DEATH OF A CUSTOMER:

15. DEATH OF A CUSTOMER:

  • In case of death of a Customer, the Bank shall follow the due process /procedure to pay the money lying in the Account of the deceased.

16. NOMINATION:

16. NOMINATION:

  • Nomination facility is available for the Account. The Customer can nominate one individual for the purpose. The Customer is at liberty to change the nominee as per the Bank process.

17. CONFIDENTIALITY

17. CONFIDENTIALITY

  • Any information(except Aadhaar) relating to the Customer is generally used to provide the Bank services, improve the Bank services and otherwise.

18. DECLARATION BY THE BANK

18. DECLARATION BY THE BANK

  • The Bank shall not be responsible for any acts or omissions of any third party including merchants and all Banking Points, with regard to services which are not expressly authorized by the Bank.
  • The Bank shall not be liable to any person for any delays, loss of business, profit, revenue or goodwill, anticipated gains (included opportunity loss), damages, fees costs, expense, etc. or for any indirect or consequential loss, howsoever arising, on the Bank Account being unavailable/usage of the Bank services or otherwise.
  • The Terms and Conditions herein shall be subject to the notifications/ guidelines issued by RBI, from time to time.
  • The Bank will on best effort basis ensure that Customer transactions and information remain secure and confidential.
  • All transactions initiated by the customer are instantaneous in nature and cannot be reversed/cancelled/stopped once initiated either through mobile or internet banking. Bank shall not be held liable for not honoring such request to reverse/cancel/stop

19. INDEMNITY

19. INDEMNITY

  • The Customer agree to indemnify, defend and hold the Bank and/or related parties harmless from any and all claims, losses, damages, and liabilities, costs and expenses, including and without limitation legal fees and expenses, arising out of or related to the use or misuse of the Bank services, any violation of these Terms and Conditions, or any breach of the representations, warranties, and covenants.

20. ADDITIONAL T&Cs

20. ADDITIONAL T&Cs

  • In the event of any dispute, the Bank’s records shall be taken as the conclusive evidence of the transactions carried out through use of its services.
  • The Bank shall send all Customer communications by SMS and the SMS shall be deemed to have been received by the Customer after they have been submitted for delivery to the mobile phone operator. The Bank, at its own discretion, may also contact the Customer, for all purposes necessary for providing & improving its services and suggesting any additional services.
  • The Bank will in no way be held responsible or liable for any delay, failure and/or untimely delivery/fulfillment of any services provided by any third party service providers including telecom service providers due to but not limited to network congestions, network failure, systems failure or any other reasons beyond the reasonable control of the Bank or its service provider(s) resulting into failure or delay of Bank Services.
  • The request for opening of savings bank account will also be taken as customer request for debit card issuance and Form 60 filled by the customer for savings bank account will also be applicable for debit card issuance.

21. SEVERABILITY

21. SEVERABILITY

  • If any part of this Terms and Conditions is adjudged void or inoperable for any reason, the same shall be severed from the remainder of the Terms and Conditions and only that portion of this Terms and Conditions that is specifically adjudged void or inoperable shall cease to govern the relationship between the Bank and the Customer.

22. JURISDICTION

22. JURISDICTION

  • The Courts at New Delhi shall have exclusive jurisdiction in respect of any dispute regarding the use of Bank service including the interpretation and execution of this Terms and Conditions or any other document executed by the Customer or the Bank with respect to Bank service.

23. GRIEVANCE REDRESSAL

23. GRIEVANCE REDRESSAL

  • In case the Customer has any complaint relating to the features of any of the Bank services that the Customer holds and/or avails of, Customer can approach the Grievance Redressal Cell within the Bank at grievance.officer@airtelbank.com for a resolution and if he/she does not get a satisfactory response within 30 days of lodging the complaint, then, under the Banking Ombudsman Scheme 2006, such Customer can approach the Ombudsman appointed by the Reserve Bank of India, in charge of the region where he/she has an Account, details of which are available atwww.bankingombudsman.rbi.org.in.

24. DECLARATION BY CUSTOMER

24. DECLARATION BY CUSTOMER

I (“the Customer”) agree that the opening and maintenance of the Account is subject to rules and regulations introduced or amended from time to time by the Reserve Bank of India. I hereby certify that I / we have declared my/our status as per the rules applicable under section 285BA of the Income Tax Act, 1961 as notified by Central Board of Direct Taxes (CBDT) vide Notification No. S.O. 2155(E) dated 7 August 2015 and RBI Circular Ref No. DBR.AML.BC.No.36/14.01.001/2015-16 dated 28 August 2015 in this regard. I understand and acknowledge that as per the provisions of Income Tax Act, Rules made there under and the guidelines issued by the RBI in the matter, depending upon the residential status and/or other criteria stipulated therein, the Bank may have to report the details in respect of Bank Account(s) as per the prescribed format to the Central Board of Direct Taxes (CBDT) or other Government Agencies to comply with the obligations as per the Inter-Governmental Agreements (IGA) in respect of Foreign Accounts Tax Compliance Act (FATCA) and Common Reporting Standards (CRS) and or any other similar arrangements.

  • I certify that the information provided by me above as applicable to me by me/us as well as in the documentary evidence provided by me are, to the best of my knowledge and belief, true, correct and complete and that I have not withheld any material information that may affect the assessment/categorization of my Account as a U S Reportable Account or Other Reportable Account or otherwise. I undertake the responsibility to declare and disclose within 30 days from the date of change, any changes that may take place in the information provided by me, as well as in the documentary evidence provided by me or if any certification becomes incorrect and to provide fresh and valid self- certification along with documentary evidence.
  • I also agree that my failure to disclose any material fact known to me, now or in future, may invalidate me from transacting in the Account and the Bank would be within its right to put restrictions with respect to the operations of my Account or close it or report to any regulator and/or any authority designated by the Government of India (GOI) /RBI for the purpose or take any other action as may be deemed appropriate by the Bank, under the guidelines issued by CBDT/RBI from time to time, if the deficiency is not remedied by me within the stipulated period.
  • I also agree to furnish and intimate to the Bank any other particulars that are called upon me to provide on Account of any change in law either in India or abroad in the subject matter herein.
  • I agree to abide by the Bank's Terms and Conditions and rules in force and the changes thereto in T&Cs from time to time relating to my Account as communicated and made available on the Bank's website.
  • I authorize the Bank to use information which is KYC documents , particulars provided and usage based relationship information, for Account opening purpose.
  • KYC: My Personal /KYC details may be shared with KYC Registry. I hereby give consent to receive information from Central KYC registry through SMS/e mail on the above registered number/e mail address.
  • I authorize the Bank to use my biometric authentication as my e-signatures for all Bank services.
  • I give my consent to the Airtel Payments Bank to display my balance in the wallet/savings bank account on the Airtel Thanks app.

1. DEFINITIONS

1. DEFINITIONS

Terms & Conditions for Internet Banking

In these Terms of Service (Terms & Conditions), unless the context indicates otherwise, the following words and phrases shall have the meanings indicated against them:

  • Internet Banking Services are the Bank’s services which provide access to Account information, products and other services (including Transaction of financial and non-financial in nature) as advised by the Bank from time to time to the customers through the internet banking website of the Bank www.airtel.in/bank.
  • Customer refers to a customer of the Bank authorized to use Internet Banking Services. Confidential Information refers to the information obtained by the customer through the Bank for availing various services through internet banking.
  • Personal Information refers to the information about the Customer obtained by the Bank in connection with the bank access channels including internet banking.
  • Account refers to the Customer’s savings account or Wallet or any other type of account so designated by the Bank to be eligible account(s) for the operations through the use of Internet Banking.
  • Third party product refers to any product and/or service of third party which is offered by or through the intermediary of the Bank.
  • Internet Banking Services refers to a service offered by the Bank through which a registered Customer may conduct enquiries or perform transactions on the Banks website www.airtel.in/bank.

2. APPLICABILITY OF TERMS

2. APPLICABILITY OF TERMS

These Terms mentioned herein form the contract between the Customer using the Internet Banking services and the Bank. By applying for Internet Banking Services and accessing the service the Customer acknowledges and accepts these Terms of Service (Terms & Conditions). Any conditions relating to the Accounts of customer other than these Terms will continue to apply except that in the event of any conflict between these Terms and any other conditions, these Terms will continue to prevail. The agreement shall remain valid until it is replaced by another agreement or terminated by either party or Account is closed, whichever is earlier.

3. APPLICATION FOR INTERNET BANKING SERVICES

3. APPLICATION FOR INTERNET BANKING SERVICES

The Bank may offer Internet Banking Service to customers at its discretion. The Bank may advise from time to time the Internet software such as Browser, which are required for using Internet Banking Services. There will be no obligation on the part of the Bank to support all the versions of this Internet browser software.

4. INTERNET BANKING SERVICES

4. INTERNET BANKING SERVICES

The Bank shall endeavor to provide to the Customer through Internet Banking services such as inquiry about the balance in his/her Account(s), details about transactions, statement of Account, request for intrabank and interbank transfer of funds between accounts and such other facilities as the Bank may decide to provide from time to time. The Bank at its sole discretion may also make additions/deletions to the Internet Banking Services being offered without giving any prior notices or reasons. The availability /non-availability of a particular service shall be advised through the web page of the Bank or any other mode as the Bank thinks fit. The Bank shall take reasonable care to, ensure the security of and prevent unauthorized access to the Internet Banking Services using technology reasonably available to the Bank. The Customer shall not use or permit to use Internet Banking Service or any related service for any illegal or improper purposes.

The Bank shall endeavor to provide to the Customer through Internet Banking services such as inquiry about the balance in his/her Account(s), details about transactions, statement of Account, request for intrabank and interbank transfer of funds between accounts and such other facilities as the Bank may decide to provide from time to time. The Bank at its sole discretion may also make additions/deletions to the Internet Banking Services being offered without giving any prior notices or reasons. The availability /non-availability of a particular service shall be advised through the web page of the Bank or any other mode as the Bank thinks fit. The Bank shall take reasonable care to, ensure the security of and prevent unauthorized access to the Internet Banking Services using technology reasonably available to the Bank. The Customer shall not use or permit to use Internet Banking Service or any related service for any illegal or improper purposes.

The Bank shall endeavor to provide to the Customer through Internet Banking services such as inquiry about the balance in his/her Account(s), details about transactions, statement of Account, request for intrabank and interbank transfer of funds between accounts and such other facilities as the Bank may decide to provide from time to time. The Bank at its sole discretion may also make additions/deletions to the Internet Banking Services being offered without giving any prior notices or reasons. The availability /non-availability of a particular service shall be advised through the web page of the Bank or any other mode as the Bank thinks fit. The Bank shall take reasonable care to, ensure the security of and prevent unauthorized access to the Internet Banking Services using technology reasonably available to the Bank. The Customer shall not use or permit to use Internet Banking Service or any related service for any illegal or improper purposes.

The Bank shall endeavor to provide to the Customer through Internet Banking services such as inquiry about the balance in his/her Account(s), details about transactions, statement of Account, request for intrabank and interbank transfer of funds between accounts and such other facilities as the Bank may decide to provide from time to time. The Bank at its sole discretion may also make additions/deletions to the Internet Banking Services being offered without giving any prior notices or reasons. The availability /non-availability of a particular service shall be advised through the web page of the Bank or any other mode as the Bank thinks fit. The Bank shall take reasonable care to, ensure the security of and prevent unauthorized access to the Internet Banking Services using technology reasonably available to the Bank. The Customer shall not use or permit to use Internet Banking Service or any related service for any illegal or improper purposes.

5. CUSTOMER-ID AND mPIN

5. CUSTOMER-ID AND mPIN

  • Keep the mPIN totally confidential and not reveal them to any third party.
  • mPIN must consist of four (4) numeric only. Should not be continuous series (like 1234, 6789…) and same number (like 1111, 2222…) Customers must choose easily remembered passwords that are, at the same time, difficult for unauthorized parties to guess.
  • Commit the mPIN to memory and not record them in a written or electronic form; and
  • Do not let any unauthorized person have access to his computer or leave the computer unattended while using Internet Banking Services.
  • Do not disclose/reveal his/her personal or confidential information to anyone over email/SMS/phone call even if it’s purportedly from the Bank. Bank or any of its representatives will never send you emails/SMS or call you over phone to seek your personal information like Username, mPIN, One Time SMS passwords etc.
  • Do not access internet banking services if his/her computer device is not free of malware (Viruses, Trojans, etc.). Unauthorized access (i.e. security violations of passwords) must be reported to the bank.
  • In the event of forgetting of mPIN or expiry/disability of mPIN, Customer can reset it on self-care and providing various details The Customer agrees and acknowledges that BANK shall in no way be held responsible or liable if the Customer incurs any loss as a result of compromise of Customer-id and mPIN by the Customer himself/herself or Customer has failed to follow the Internet Banking Service instructions as published by the BANK on the site from time to time. Customer agrees to fully indemnify and hold harmless BANK in respect of the same.
  • Locking of Mobile Number/Customer ID
  • Internet Banking PIN and/or Customer ID shall get locked after a number of incorrect attempts, up to such number (at present 5 failed attempts) as may be decided by the Bank from time to time..Customer needs to reset his mPIN In case of emergency, the Customer ID / mPIN can be unlocked by contacting our call center.
  • Deactivation of Customer ID
  • The Bank has the discretion to deactivate a Customer Internet Banking ID, if the same has not been used for a period defined by the Bank. Also the Bank has the right to deactivate the Internet Banking login of Customer due to unsatisfactory behavior in the Account.

6. CYBER CRIME

6. CYBER CRIME

The Internet per se is susceptible to various cybercrimes like phishing, vishing (Voice phishing), SMSing (phishing through SMS), compromise of Customer’s system security etc., that could affect Payment Instructions / other instructions to the Bank. Whilst the Bank shall endeavor to protect the interest of the customers, there cannot be any guarantee from such cybercrimes and other actions that could affect Payment Instructions / other instructions to the Bank including but not limited to delay or failure in processing the instructions. The Customer shall separately evaluate all such risks and the Bank shall not be held responsible for the losses arising out of such cybercrimes. The Customer should understand the risk of doing a Net Banking transaction at a Cybercafe/shared computer terminal is risky and shall reasonably avoid using the services of a Cybercafe/shared computer terminal to do any Net Banking transactions.

7. ERRORS OF OMMISION & COMMISSION

7. ERRORS OF OMMISION & COMMISSION

The filling in of applicable data for transfer of funds would require proper, accurate and complete details.

For instance, the customer is aware that:

- he/she would be required to fill in the correct Account number of the person to whom the funds are to be transferred.

- he/she would be required to fill in the correct Credit Card number while making Credit Card payments.

In the event of any inaccuracy in this regard, the funds could be transferred to incorrect accounts/credit card account and there is no guarantee of recovery of the same thereafter. The Customer shall therefore take full care to ensure that there are no mistakes and errors and that the information given by him/her to the Bank in this regard is error free, accurate, proper and complete at all points of time. The bank does not accept any responsibility in the transfer of funds to the wrong beneficiary due to wrong input by the customer.

The bank will follow RBI instructions on affording credit to beneficiaries’ account in respect of electronic payments such as RTGS, NEFT, IMPS etc based solely on the beneficiary account number information received from the originating bank. In the event of the Customer’s Account receiving an extraneous credit by reason of a mistake committed by the originator or the originating bank or for any other reason, the Bank shall be entitled to reverse such erroneous/extraneous credit at any time whatsoever without his/her consent. The Customer shall be liable and responsible to the Bank and accede to accept the Bank's instructions without questions for any unfair or unjust gain obtained by him/her as a result of the same.

8. TECHNOLOGY RISKS

8. TECHNOLOGY RISKS

The site of the Bank may require maintenance and during such time it may not be possible to process the request of the customers. The bank will take reasonable care to inform the customers of such maintenance activity including non-availability of internet banking service well in advance. This maintenance activity could result in delays and/or failure in the processing of instructions. The Customer understands that the Bank disclaims all and any liability, whether direct or indirect, whether arising out of loss or otherwise arising out of any failure or inability by the Bank to honor any customer instruction for whatsoever reason.

9. LIMITS

9. LIMITS

The Customer is aware that the Bank may from time to time impose maximum and minimum limits including daily limits on transfer of funds that may be transferred that can be issued by virtue of the payment instructions given hereunder. The Customer acknowledges that the same is to reduce the risks on him/her. For instance, the Bank may impose transaction restrictions within particular periods or amount restrictions within a particular period or even on each transaction. The Customer shall be bound by such limits imposed and shall strictly comply with them. The Bank shall put an appropriate message on the relevant page or the website.

The limits for loading in your savings account using a debit card or net banking gets revised to 2000 per transaction in the next month, in case your total loading using the mentioned instruments is higher than 3 lakhs in the current month. The option to load higher amounts using IMPS or NEFT or UPI or Banking Correspondent continue with no changes.

10. CHARGES

10. CHARGES

The Bank at its discretion from time to time may specify charges for usage of Internet Banking Services and/or additional charges for selected services which will be published on the Website of the Bank (www.airtel.in/bank) and any further changes in the charges/fees shall also be notified on the above site. The Customer and the other Account holder(s) hereby authorize(s) the Bank to recover all charges related to Internet Banking Services as determined by the Bank from time to time by debiting the Customer(s) Account.

11. MAINTENANCE OF SUFFICIENT BALANCE

11. MAINTENANCE OF SUFFICIENT BALANCE

Customer shall ensure that there are sufficient funds in the Account for transactions through the Internet Banking, and the Bank shall not be liable for any consequences arising out of its failure to carry out the instructions due to inadequacy of funds. Bank may withdraw the provision of Internet Banking, wholly or partly, if at any time the amount of deposit falls short of the required minimum balance without giving any further notice to the Customer and / or without incurring any liability or responsibility whatsoever arising by reason of such withdrawal.

12. RIGHT TO SET OFF AND LIEN

12. RIGHT TO SET OFF AND LIEN

Bank shall have the right of set off and lien, irrespective of any other lien or charge, present as well as future, on the Account(s) held by Customer(s) to the extent of all outstanding dues, whatsoever arising as a result of the Internet Banking services extended to and/or used by the Customer.

13. FUNDS TRANSFER

13. FUNDS TRANSFER

The Customer will not be able to use Internet Banking Services for funds transfer without sufficient funds in the relative Internet Banking Services account. The Bank will endeavor to effect such funds transfer transactions received through Internet Banking Services where there are sufficient funds available in the Customer’s Account. The Bank shall not be liable for any omission to make all or any of the payments or for late payments due to circumstances beyond the control of the Bank. In the event of overdraft created due to oversight/inadvertently, the Customer will be liable to pay such overdrawn amount with applicable interest as decided by the Bank from time to time.

  • FUNDS TRANSFER TO OTHER ACCOUNTS/ CREDIT CARD PAYMENTS
  • The Customer accepts that he/she will be responsible for keying in the correct Account number/other particulars of the beneficiary for the funds transfer request. In no case, the Bank will be held liable for any erroneous transactions incurred arising out of or relating to the Customer entering wrong/incorrect/incomplete Account number, information of the beneficiary and/or any other particulars.
  • In the event of such transfer of funds is to accounts belonging to third parties maintained at any other Bank, which falls under the network of Reserve Bank of India’s and National Payments Corporation of India’s Electronic Fund Transfer System, the same shall be governed by the Terms of Service (Terms & Conditions) applicable to National Electronic Fund Transfer (“NEFT”), Real Time Gross Settlement System(RTGS)and Immediate Payment Services (“IMPS”) of the Reserve Bank of India.

14. MERCHANT PAYMENTS

14. MERCHANT PAYMENTS

The Bank provides the facility of payment for transactions executed on Internet through different sites. The Bank will execute such transactions and will be responsible for transferring the amount debited from the Customer’s Account to the Service providers’/merchants’ account. The Bank shall not be held responsible for failure of such transactions at Service providers’/merchants’ end. In no event shall the Bank be held responsible/liable for any informational content provided on any such site or for any deficiency in the services/products offered by such sites.

15. TRANSACTION PROCESSING TIME

15. TRANSACTION PROCESSING TIME

All the instructions received before the cut off time of the specified transaction, will be given effect immediately unless and until some processing work or maintenance activity is being done or some unavoidable circumstances beyond the control of the Bank occur. E.g.: Fund Transfer, Third Party Fund Transfer, stop payment etc.

In respect of such transactions requiring manual intervention, the Bank would endeavor to give effect to such transactions at the earliest.

16. DOCUMENTS REQUIRED FOR TRANSACTION PROCESSING

16. DOCUMENTS REQUIRED FOR TRANSACTION PROCESSING

The Customer shall be responsible for submitting necessary documents and information as the Bank may require from time to time along with any request for any service under Internet Banking. If any request for a service is such that it cannot be given effect to unless it is followed up by requisite documentation, the Bank shall not be required to act on the request until it receives such documentation from the Customer.

17. AUTHORITY TO THE BANK

17. AUTHORITY TO THE BANK

Banking transactions in the Customer’s Account(s) are permitted through Internet, only after authentication of the Customer-id/mobile no., mPIN and through one time password (OTP) of the Customer. The financial instructions of the Customer shall be effected only when such instructions are in accordance with the prescribed procedure. The Bank shall have no obligation to verify the authenticity of any transaction received from the Customer through Internet Banking Service or purported to have been sent by the Customer via Internet Banking Services, other than by means of verification of the Customer-id and mPIN. The display or printed output that is generated by the Customer at the time of operation of Internet Banking Services is a record of the operation of the Internet access and shall not be construed as the Bank’s record of the relative transactions. The Bank’s own records of transactions maintained through computer systems or otherwise shall be accepted as conclusive and binding for all purposes.

The Bank may at any time without giving notice or reasons, suspend or terminate all or any of the Internet Banking services or their use by the Customer.

  • Non-compliance of Terms of Service (Terms & Conditions) mentioned herein.
  • If he/she has breached the Terms of Service (Terms & Conditions) or contributed or caused the loss by negligent actions such as the following:

19. LIABILITY OF THE CUSTOMER

19. LIABILITY OF THE CUSTOMER

The Customer shall be liable for

  • Non-compliance of Terms of Service (Terms & Conditions) mentioned herein.
  • If he/she has breached the Terms of Service (Terms & Conditions) or contributed or caused the loss by negligent actions such as the following:
  • In disclosing or failing to take all reasonable steps to prevent disclosure of the Customer-id and/or mPIN to anyone including Bank staff and/or failing to advise the Bank of such disclosure
  • Not advising the Bank about unauthorized access to or erroneous transactions in the Account(s) through the Internet Banking Services.

20. LIABILITIES OF THE BANK

20. LIABILITIES OF THE BANK

The Bank shall not be liable for any unauthorized transactions in the Account(s) through the use of Internet Banking Services which can be attributed to the fraudulent or negligent conduct of the Customer.

The Bank shall not be liable to the Account holder(s) for any damages whatsoever whether such damages are direct, indirect, incidental, consequential and irrespective of whether any claim is based on investment or any other loss of any character or nature whatsoever and whether sustained by the Account holder(s) or any other person, if Internet Banking access is not available in the desired manner for reasons including but not limited to natural calamity, fire and other natural disasters, legal restraints ,faults in the telecommunication network or Internet or network failure ,software or hardware error or any other reasons beyond the control of the Bank.

The Bank shall endeavor to take all possible steps to maintain secrecy and confidentiality of its customer Account(s)/information but shall not be liable to the Account holder(s) for any damages whatsoever caused on account of breach of secrecy/confidentiality due to reasons beyond the control of the Bank.

Bank, for valid reasons, may refuse to execute any instructions placed by the Customer.

The Bank will in no way be held responsible or liable for delay, failure and/or untimely delivery of SMS one time password (OTP) and/or SMS Alerts due to but not limited to network congestions, network failure, systems failure or any others reasons beyond the reasonable control of the Bank or its service provider(s).

Notwithstanding anything contained herein, where Bank has reason to believe that any transaction or marking of liens, have been fraudulently made (hereinafter referred to as a “suspect transaction”), Bank shall be entitled to withhold payment pertaining to such suspect transaction in accordance with regulatory laws relating to Money Laundering or otherwise. If Bank determines after due enquiry and investigation that the transaction is a valid transaction and not a suspect transaction, Bank shall release such withheld payment subsequently.

21. INDEMNITY

21. INDEMNITY

The Customer agrees to indemnify, hold harmless and defend Bank and its affiliates against any loss and damages that may be caused from or relating to

  • Breach of Terms of Service (Terms & Conditions) mentioned herein.
  • Improper use of the Internet Banking services by the Customer.
  • Any claims made by third parties arising from issues related to any failure, delay or interruption of the products and/or services as provided by the Bank’s Internet Banking services.
  • The use of products/ Internet Banking services in any manner which violates the Terms of Service (Terms & Conditions) or otherwise violates any law, rule, conditions or regulation.

22. DISCLOSURE OF PERSONAL INFORMATION

22. DISCLOSURE OF PERSONAL INFORMATION

The Customer agrees that the Bank or its service providers may hold and process his/her Personal/Technical Information on Computer or otherwise in connection with Internet Banking Services as well as for statistical analysis. The Customer agrees that the Bank may collect Customer system related information The Customer also agrees that the Bank may disclose, in strict confidence, to other institutions, such Personal Information as may be reasonably necessary for reasons inclusive of, but not limited to, the following:

  • For participation in any electronic clearing network.
  • In compliance with legal and/or Reserve Bank of India’s directive.
  • For fraud prevention purposes.

23. AMENDMENTS

23. AMENDMENTS

The Bank has the absolute discretion to amend or supplement any of the Terms of Service (Terms & Conditions) at any time, without prior notice. However the Bank will endeavor to notify the changes by posting it on the website or through advertisement or any other means as the Bank may deem fit which will be binding on the Customer. The existence and availability of the new functionalities/facilities/features will be notified to the Customer as and when they are made available. By using these new services, the Customer agrees to be bound by the Terms of Service (Terms & Conditions) applicable there for.

24. NON-TRANSFERABILITY

24. NON-TRANSFERABILITY

The grant of facility of Internet Banking Services to a Customer is non-transferable under any circumstances and shall be used by the Customer only.

25. PROPRIETARY RIGHTS

25. PROPRIETARY RIGHTS

The Customer acknowledges that the software underlying the Internet Banking Services as well as other Internet related software which are required for accessing Internet Banking Services is the legal property of the Bank/respective service providers. The permission given by the BANK to access Internet Banking Services will not convey any proprietary or ownership rights in the above software. The Customer shall not attempt to modify, translate, disassemble, decompile or reverse engineer the software underlying Internet Banking Services or create any derivative product based on the software.

26. INTELLECTUAL PROPERTY RIGHTS

26. INTELLECTUAL PROPERTY RIGHTS

The copyright, trademarks, logos, slogans and service marks displayed on the website(s) are registered and unregistered intellectual property rights of Bank or of respective intellectual property right owners. Nothing contained on the website(s) should be construed as granting, by implication, estoppels, or otherwise, any license or right to use any intellectual property displayed on the website(s) without the written permission of Bank or such third party that may own the intellectual property displayed on the website(s).

Bank grants the right to access the website(s) to the Customer and use the Internet Banking Services in accordance with the Terms of Service (Terms & Conditions) mentioned herein. The Customer acknowledges that the Services including, but not limited to, text, content, photographs, video, audio and/or graphics, are either the property of, or used with permission by, Bank and/or by the content providers and may be protected by applicable copyrights, trademarks, service marks, international treaties and/or other proprietary rights and laws of India and other countries, and the applicable Terms of Service (Terms & Conditions).

The Customer should assume that everything he/she views or reads on the website (collectively referred to as "content") is copyrighted/ protected by intellectual property laws unless otherwise provided and may not be used, except as provided in these Terms of Service (Terms & Conditions), without the prior written permission of Bank or the relevant copyright owner.

Any breach of the restrictions on use provided in these terms is expressly prohibited by law, and may result in severe civil and criminal penalties. Bank shall be entitled to obtain equitable relief (including all damage, direct, indirect, consequential and exemplary) over and above all other remedies available to it, to protect its interests therein.

27. THIRD PARTY LINKS

27. THIRD PARTY LINKS

The Site may provide hyperlinks to websites not controlled by Airtel Payments Bank website and such hyperlinks do not imply any endorsement, agreement on, or support of the content, products and /or services of such websites. Airtel payments Bank website doesn’t editorially control the content, products and /or services on such websites and shall not be liable, in any nature whatsoever, for the access to, or the inability to access to, or the use, inability to use or content available on or through such websites.

28. NOTICES

28. NOTICES

Notices under these Terms of Service (Terms & Conditions) to the customer may be given through any medium of communication as may be deemed appropriate by the Bank i.e. Bank’s website ( www.airtel.in/bank) or email, sms, public notification at Branches, or through newspapers, radio, TV etc. Such notices shall have the same effect as a notice served individually to each customer.

29. FORCE MAJEURE

29. FORCE MAJEURE

The Bank shall not be liable for delay in performing or failure to perform any of its obligations under these Terms of Service (Terms & Conditions) which is caused by circumstances beyond its reasonable control, including, but not limited to, the failure, malfunction or unavailability of telecommunications, data communications and computer systems and services, natural calamities, war, civil unrest, government action, strikes, lock-outs or other industrial action or trade disputes (whether involving the Bank’s employees or those of a third party). Any delay or failure of this kind will not be deemed to be a breach of the Terms of Service (Terms & Conditions) and the time for performance of the affected obligation will be extended by a period which is reasonable in the circumstances.

30. DISCLAIMER ON THE INFORMATION TECHNOLOGY ACT 2000

30. DISCLAIMER ON THE INFORMATION TECHNOLOGY ACT 2000

The Bank has adopted the mode of authentication of the Customer by means of verification of the mobile number/Customer ID and or through verification of mPIN or through any other mode of verification as may be stipulated at the discretion of the Bank. The Customer hereby agrees/consents for the mode of verification adopted by the Bank. The Customer agrees that the transactions carried out or put through by the aforesaid mode shall be valid, binding and enforceable against the Customer and shall not be entitled to raise any dispute questioning the transactions.

31. DISCLAIMER ON ANTI VIRUS UPDATE

31. DISCLAIMER ON ANTI VIRUS UPDATE

The Customer needs to get his/her PCs/laptops scanned on a regular basis and be updated with the latest antivirus software available. The Bank shall not be responsible in case of any data loss or theft due to the virus transmitted in the system through the usage of Internet Banking.

32. GOVERNING LAWS

32. GOVERNING LAWS

These Terms of Service (Terms & Conditions) and/or operations in the Accounts of the Customer maintained by the Bank and/or the use of services provided through Internet Banking Services are construed to be governed in accordance with the laws in India. Bank accepts no liability whatsoever, direct or indirect for non-compliance with the laws of any country other than that of India. The mere fact that Internet Banking Service can be accessed through Internet by a Customer from a country other than India shall not be interpreted to imply that the laws of the said countries govern these Terms of Service (Terms & Conditions) and/or the operations in the Accounts of the Customer through Internet and/or the Use of Internet Banking Services. The Customer agrees to abide by prevailing laws in respect of Internet Banking Services applicable in India. It is the responsibility of the Customer to comply with any regulations prevailing in the country from where he/she is accessing the Internet. All disputes shall be subject to the jurisdiction of the Courts in New Delhi (India). The Bank however, may, in its absolute discretion commence any legal action or proceedings arising out of these terms in any other court, tribunal or other appropriate forum, and the Customer hereby consents to that jurisdiction.

DEFINITIONS

DEFINITIONS

Group PA Policy for Airtel Payments Bank Customers

Airtel Payments Bank Ltd (“Bank”) is providing the free insurance cover to savings account customers by partnering with Bharti AXA General Insurance Company Ltd (“Insurance Partner”) (hereinafter referred as the “Policy”).

Please note that Bank shall not be responsible for this Policy offered by its Insurance Partner and any/all matters pertaining to the same shall be the sole responsibility of the Insurance Partner.

  • Any word or expression to which a specific meaning has been assigned in any part of this Policy or the Schedule shall bear the same meaning wherever it appears. For purpose of this Policy, the terms specified below shall have the meaning set forth:
  • "Accident" means a sudden, unforeseen, and involuntary event caused by external, visible and violent means.
  • "Injury" means accidental physical bodily harm excluding illness or disease solely and directly caused by external, violent and visible and evident means which is verified and certified by a Medical practitioner.
  • “Insured Person” means any Airtel Payments Bank savings account holder with an active insurance cover.
  • “Savings Account” means a person who has registered with Bank for availing the Bank Services by accepting the terms and conditions.

Benefits Covered:

Benefits Covered:

Accidental Death only: If at any time during the period of this Policy, the Insured Person shall sustain any bodily injury resulting solely and directly from accident caused by external, violent and visible means, then the Insurance Partner shall pay to the Insured person’s nominee or legal representative(s), as the case may be, the sum or sums hereinafter set forth, that is to say -

  • if such injury shall within twelve calendar months of its occurrence be the sole and direct cause of death of the Insured Person, the Capital Sum Insured stated in the Schedule hereto;

Conditions for issuance of Policy:

Conditions for issuance of Policy:

Savings Account holder between ages 18 to 70 years. Subsequent renewal of Policy shall be subject to the Savings Account holder attaining the age of 75 years.

Customers opening new Savings Account and holding an active mobile connection would be covered under the terms of the Policy for a period of 31 days commencing from the date of activation of the Policy.

Policy shall be activated within 24 hours of Savings Account activation.

Policy shall be renewed every month on Savings Account holder carrying out at least one successful financial transaction (except credit transaction) at any banking channel including but not limited to Banking Points, USSD, Bank App etc, and continuing to use the mobile connection.

The claim shall be admissible only if the Policy is active.

Sum Insured:

Sum Insured:

Rupees 5 lakh per savings account holder, condition being the customer maintains a Monthly Average Balance of INR 500 and has transacted at least once in a month.

Rupees 1 lakh per savings account holder, condition being the customer has transacted at least once in a month.

In case at any given point of time, any insured holds multiple Personal Accident Insurance policies with Airtel Payments Bank where the premium is borne by the group administrator, the maximum sum insured eligibility of all such policies together shall be restricted to 5 Lacs in the event of any claim as per the policy terms and conditions.

Policy Conditions

Policy Conditions

PROVIDED ALWAYS THAT the Insurance Partner or the Bank shall not be liable under this Policy for-

  • Death resulting directly or indirectly or caused by, contributed to or aggravated or prolonged by child birth or from pregnancy or in consequence thereof.
  • Any pre-existing disability / accidental injury.
  • Accidental death due to mental disorders or disturbances of consciousness, strokes, fits or convulsions which affect the entire body and pathological disturbances caused by the mental reaction to the same.
  • Accidental death caused by curative measures, radiation, infection, poisoning except where these arise from an accident.
  • Any claim in respect of accidental death of the Insured Person
  • from intentional self-injury, suicide or attempted suicide
  • self exposure to needless perils except in an attempt to save human life
  • whilst under the influence of liquor or drugs or other intoxicants
  • whilst engaging in aviation or ballooning whilst mounting into, dismounting from or travelling in any aircraft or balloon other than as a passenger (fare paying or otherwise) in any duly licensed standard type of aircraft anywhere in the world
  • directly or indirectly, caused by venereal disease, AIDS or insanity
  • arising or resulting from the Insured Person committing any breach of law or participating in an actual or attempted felony, riot, crime, misdemeanor or civil commotion
  • i. Whilst engaging in racing, hunting, mountaineering, ice hockey, winter sports.
  • Any consequential loss or damage cost or expense of whatsoever nature.
  • Death due to accidental injury arising out of or directly or indirectly connected with or traceable to war, invasion, act of foreign enemy, terrorism, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, mutiny, military or usurped power, seizure, capture, arrests, restraints and detainments of all Kings, Princes and people of whatsoever nation, condition or quality.
  • Death due to accidental injury, directly or indirectly, caused by or contributed to or by or arising from -
  • ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel and for the purposes hereof, combustion shall include any self-sustaining process of nuclear fission;
  • nuclear weapons material
  • Insured Person whilst engaging in speed contest or racing of any kind (other than on foot), bungee jumping, parasailing, ballooning, parachuting, skydiving, paragliding, hang gliding, mountain or rock climbing necessitating the use of guides or ropes, potholing, abseiling, deep sea diving using hard helmet and breathing apparatus, polo, snow and ice sports.
  • Insured Person whilst flying or taking part in aerial activities (including cabin crew) except as a fare-paying passenger in a regular Scheduled airline or air charter company
  • Any accident to an Insured Person which arises in the course of his/her occupation if his/her occupation falls within the following categories or involves the following activities: - Air crew, ship crew, professional sportsman, diving, oil-rig platform and/or off-shore work, fire fighting, police, naval, military, air force service or operations and any hazardous occupation.
  • The insurance under this Policy shall not extend to cover any benefit under the Policy resulting directly or indirectly caused by, contributed to or aggravated or prolonged by misfeasance, malfeasance or nonfeasance or breach of trust in relation thereto by the Insured/ Insured Person.

Duty of the nominee or the legal representative of the Insured Person on occurrence of loss:

Duty of the nominee or the legal representative of the Insured Person on occurrence of loss:

On the occurrence of loss within the scope of cover under the Policy, the nominee or the legal representative of the Insured Person shall:

a) give written notice with full particulars to the Insurance Partner immediately. In case of death, written notice of the death must, unless reasonable cause is shown, be so given before internment / cremation, and in any case, within one calendar month after the death.

b) proof satisfactory to the Insurance Partner shall be furnished on all matters upon which a claim is based

c) in the event of death, to make a post-mortem examination of the body of the Insured Person or such other evidence as the Insurance Partner may from time to time require shall be furnished within fourteen days after a demand in writing.

d) allow the medical practitioner or any agent of the Insurance Partner to inspect the medical and hospitalisation records and to examine the deceased Insured Person.

e) assist and not hinder or prevent the Insurance Partner or any of its agents in pursuance of their duties.

In case the nominee or the legal representative of the Insured Person does not comply with the provisions of this clause or other obligations cast upon the nominee or the legal representative of the Insured Person under this Policy or in any of the Policy documents, all benefit under the Policy shall be forfeited, at the option of the Insurance Company.

Claim Documentation

Claim Documentation

The nominee or the legal representative of the Insured Person as the case may be, is required to submit the following documents while lodging a claim under the Policy:

a) Duly filled claim form

b) Death Certificate from the Municipal Authorities

c) Post mortem report

d) Police report / FIR

e) Any other document as may be required by the Insurance Partner

AIRTEL PAYMENTS BANK LTD. MAKES NO WARRANTIES OR REPRESENTATIONS WHATSOEVER IN RESPECT OF THE OFFER, AND THE SERVICES INCLUDING AS TO ITS FITNESS FOR ANY PARTICULAR PURPOSE, MERCHANTABILITY, QUALITY, AVAILABILITY, DISRUPTION OR ERROR FREE OPERATION

For Atal Pension Yojana Terms and Conditions  Click Here