1. Any Branch Banking.
Any branch credits and any branch debits are enabled in CBS in the year 2012.
Customers can make credits and debits transactions in any branch , even though account is related to any other branch.
2.Aadhaar Payment Bridge Service (APBS) and ACH service
Our Bank enabled for APBS and ACH services of NPCI in the year 2013.
Our Bank process all the APBS and ACH files received from NPCI daily relating to direct benefit transfers (DBT) i,e Gas subsidies, NRAGA wages, employee salaries etc.
We process around 7000 (average) credit transactions relating to DBTs daily.
3. Funds transfer through NEFT
Our bank is providing NEFT service for Interbank inward and outward funds transfer since 2013.
Customers can transfer funds of any amount from our bank branch to any other bank branch and vice versa using the NEFT facility. There is no upper/lower limits for funds transfer through NEFT.
4. Funds transfer through RTGS
RTGS implemented in our Bank in Feb’ 2016
Our bank is providing RTGS service for Interbank inward and outward funds transfer since Feb’2016.
Customers can transfer funds of more than Rs.2 lakhs from our bank branch to any other bank branch and vice versa using the RTGS facility.
5. Rupay Debit cards
Rupay Debit Cards : We have issued around 280000 Rupay Debit cards to the SB customers.
As per RBI guidelines our bank completed certification for EMV Chip based cards in the year 2016 and issuing EMV Chip based cards since Oct’2016.
Our bank has been replacing all the existing Magnetic stripe Rupay Debit cards with EMV Chip based Rupay debit cards.
Rupay Kisan Credit cards: Our bank has issued 75000 Rupay kisan credit Cards.
6. Rupay Debit cards/Kisan credit cards are enabled for making transactions at PoS machines of the merchant establishments in Dec’2014
Customers can make payments by swiping the Rupay Debit cards/Rupay Kisan Credit cards in PoS machines at merchant places. Customers are to enter PIN for validation of the transaction.
7. eComm service (online payment transactions)
Our bank implemented eCommerce service on 21.04.2016.
Using this service our customers who were issued Rupay Debit cards can make online purchases by selecting the payment option ‘Rupay Debit card’ during purchases through the merchant websites/portals.
8. Financial Inclusion.
Total 212 Business correspondents are existing in 210 villages under FI project. All these BCs are making transactions with Micro ATMs.
A.AEPS OnUs:
All our bank customers (all branches) can make transactions (debit/credit) in Micro ATMs (PoS machines) at the BC points using AEPS OnUs (Aadhaar enabled Payment system OnUs) service. The customer is to enter Aadhar Number and put Biometric impression in PoS machines, the Aadhar Number and Biometric credentials would be validated at UIDAI through NPCI. After receiving successful message, the transactions will be effected.
B.AEPS OffUs
Our bank live for Aadhaar enabled payments service OffUs (AEPS OffUs) service on 04.02.2016
AEPS OffUs Acquirer Service: The customers of all other banks can make transactions (debit/credit) in PoS machines at the BC points using AEPS OffUs (Aadhar enabled Payment system OffUs) service. The customer is to enter Aadhar Number and put Biometric impression in PoS machines, the Aadhar Number and Biometric credentials would be validated at UIDAI through NPCI. After receiving successful message, the transactions will be debited/credited to the concerned account of the customer relating to his bank.
AEPS OffUs Issuer service which enables our bank customers to do AEPS transactions at other bank BC points.
C.Rupay OnUs
Our bank is live for Rupay OnUs service on 26.02.2016
All the customers of our bank (all our branches) who were issued Rupay Debit cards can make transactions in PoS machines at the BC points by swiping the Rupay cards. The customer is to enter PIN of the Rupay Card for validation of the transaction.
D.Rupay OffUs.
Our Bank is live for Rupay OffUs service.
Using this Rupay OffUs service all the customers of all other banks who were issued Rupay Debit cards can make transactions in Micro ATMs (PoS machines) at the BC points of our bank by swiping the Rupay cards. The customer is to enter PIN of the Rupay Card for validation of the transaction.
E. SHG Dual Authentication
SHG dual authentication implemented on 10.08.2018
At BC points funds can be transferred to individual SB accounts of the group members from SB a/c of the SHG Group after dual authentication of the President and secretary of the SHG group.
9. ATMs
Our bank has been installing our own ATMs since Oct’2015 and so far we got installed our own 50 ATMs.
Transactions are successfully happening in our ATMs.
Due to installation of our own ATMs we are earning income of Rs. 60 lakhs per annum on NFS transactions.
EMV Certification completed for ATMs.
Green PIN facility:
Our bank implemented Green Pin facility for enabling customers to obtain duplicate PIN at our ATMs without waiting for obtaining duplicate PIN through post which is one of the Good customer service. Customer need not make any request with the branch for new PIN.
10. Cash recycler
Our Bank has installed two Cash Recyclers.
Customers can make cash deposits as well as withdrawals though Cash Recyclers.
11.PoS machines at merchant establishments
Implemented on 29.09.2017
We started our Bank’s own PoS machines service at merchant establishments of our bank current account customers.
So far we got installed 60 PoS machines.
For installation of PoS machine at merchant place, the merchant is to
maintain Current Account with our bank. The payments made by the
customers using Rupay debit cards/ credit cards will be credited to
the merchant current account with us on next day or on the second day
of the swiping.
12.IMPS
Our Bank implemented IMPS Mobile Channel on 13.03.2018.
Using IMPS, our customers are able to transfer funds instantly upto Rs.1,00,000.00 to any other bank branch and also can get funds from any other bank branch to our bank account.
13. Mobile banking
Our bank Implemented mobile banking by extending service to Staff on 17.01.2018
Service extended to Customers on 13.03.2018.
Now our customers are able to do on fly registration for Mobile banking and do Balance enquiry, generate Mini statement, Funds transfer within bank and funds transfer to other banks etc transactions 24X7 instantly very successfully.
Customers are to download our Bank Mobile banking App CGGB Money from Google play store and to register for Mobile banking by entering Cust ID, Rupay debit card details,PIN, OTP and after validation of PIN and OTP, registration will be completed. Customer is to set MPIN and TPIN for making transactions.
14. Unified Payment Interface (UPI) as Issuer
Our Bank Implemented UPI service on 28.03.2018.
Now all our Bank customers can register their SB accounts with NPCI UPI service BHIM, PhonePe, Google , Andhra Bank UPI and other UPI applications provided by all other banks and organizations and can make all the payments transactions, funds transfer transactions, Balance enquiry, Request Money, Bill payments etc very successfully.
Presently around 8000 UPI financial transactions and 6000 Non financial transactions are happening daily.
Customers are to download any UPI App from Google play store and to register for UPI service by selecting our Bank name, Account No, to create UPI VPA ID, to enter Rupay debit card details, to enter received OTP and after validation registration will be completed. Customer is to choose four digit UPI PIN for making transactions.
15.*99# (USSD)
Implemented on 10.07.2018
USSD enables funds transfer, payments, Balance enquiry etc using feature mobiles also.
Customers are to dial *99# from their mobile, to type ‘CHAI’ for choosing our bank, to select our bank account to link UPI, to create UPI VPA ID, to enter Rupay debit card details, to enter received OTP and after validation registration will be completed. Customer is to choose four digit UPI PIN for making transactions.
16. Aadhaar Merchant Pay –
Our Bank implemented Aadhaar Merchant Pay service as Issuer on 17.03.2017. Ours is second RRB in India and first RRB in Telugu states to implement the service.
Aadhaar merchant pay service enables our customers to make payments at merchant places in Aadhaar Pay app of the commercial banks using Aadhaar No and Thumb impression.
17. Public Fund Management System (PFMS) module
Implemented on 08.08.2018
Public Financial Management system is a fund management system that provides online status of funds availability and utilization on a real time basis.
It is part of Direct Benefit Transfer policy of the Ministry of Finance of our Indian Government.
Govt agencies maintain accounts with our branches and the beneficiary amounts will be transferred to the concerned beneficiaries accounts that maintain with us.
18.IMPS branch channel
Our Bank implemented IMPS branch chaneel on 08.02.2019.
Using IMPS, our customers are able to transfer funds instantly upto Rs.1,00,000.00 to any other bank branch and also can get funds from any other bank branch to our bank account.
19.Implementation of Savings Bank account opening using biometric credentials of the customers ( eKYC ) on 02.03.2016
We implemented eKYC module in our bank. Due to eKYC, Our Bank is are able to open accounts with Aadhaar No and Thumb impression of the customers by getting all the primary information of the customer from UIDAI.
The accounts opened with eKYC module are automatically Aadhaar authenticated and Aadhaar No is seeded to the accounts.
20. CIBIL implemented on 18.09.2017
Now Our Bank is enabled for uploading our bank credit information in CIBIL portal
21. Call center – Toll free No 1800 425 6708
Bank established Call center – Toll free No services on 03.12.2018 for extending support and guidance to customers while availing the digital services Mobile Banking, IMPS, UPI, *99#, eCommerce, AEPS, Aadhaar Pay etc services.
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