Effortlessly Manage Your Finances with Axis Bank Net Banking

In today’s fast-paced world, managing your finances efficiently is crucial. Axis Bank Net Banking offers a comprehensive platform to handle a wide array of financial transactions from the comfort of your home or office. Whether you need to manage savings, explore investment opportunities, transfer funds swiftly, or pay bills on time, Axis Bank’s internet banking services provide a seamless and secure solution. If you’re new to online banking or looking to explore its full potential, this step-by-step guide will walk you through some of the most frequently used transactions, empowering you to take control of your finances anytime, anywhere.

Open a Fixed Deposit Account Online

Fixed Deposits (FDs) are a secure and popular investment option, and Axis Bank Net Banking makes opening and managing them incredibly easy. Here’s how you can start growing your savings with an FD online:

1. Login Securely: Begin by navigating to the Axis Bank Net Banking portal and logging in using your Customer ID or Debit Card number and password. This ensures secure access to your account.
2. Navigate to Deposits: Once logged in, go to the ‘Accounts’ section and select ‘Deposits’. Alternatively, you can find a quicker route by clicking on ‘Apply Now’ and then selecting ‘FD/RD’ options.
3. Initiate FD Opening: Under the ‘Deposits’ section, click on ‘Open Now’ to proceed with opening a new deposit account. Then, specifically select ‘Open Now’ again for Fixed Deposits to indicate your chosen deposit type.
4. Enter Deposit Details: You will now be prompted to enter the specifics of your Fixed Deposit. This includes crucial details such as the deposit amount, preferred tenure, and maturity instructions under the ‘Fixed Deposit Details’ section.
5. Nominee Information: For security and legal reasons, you will need to enter nominee details. This ensures that your funds are protected and can be claimed by your designated individual in unforeseen circumstances.
6. Confirmation and Completion: Review all the entered details, agree to the Terms and Conditions after reading them carefully, and finally click on ‘Confirm’. With this final step, your Axis Bank Fixed Deposit will be opened instantly, and you can view the details in your account summary.

Simplify Bill Payments with Online Biller Management

Say goodbye to late payment fees and long queues. Axis Bank Net Banking offers a streamlined bill payment system, allowing you to manage and pay all your bills in one place. Here’s how to set up and pay your bills online:

1. Secure Login: Access Axis Bank Net Banking by logging in with your Customer ID or Debit Card number and your password.
2. Access Bill Payment Section: After logging in, locate the ‘Payments’ section and select ‘Pay Bills’. This will take you to the bill payment dashboard.
3. Select or Add Biller: Choose a biller from the extensive pre-listed options. If you are paying a biller for the first time or cannot find them in the list, you may need to add them as a new biller.
4. Enter Biller Details and Amount: Enter the necessary biller details such as account number, consumer number, etc., along with the amount you wish to pay. Double-check these details for accuracy before proceeding.
5. Authentication: For enhanced security, authenticate the transaction using your NetSecure code or OTP (One-Time Password). This ensures that all transactions are authorized by you.
6. Biller Addition and Visibility: Once you’ve completed the first payment or successfully added a biller, their details will be saved under the ‘Pay Bills’ section for future quick payments.
7. Payment History Tracking: To monitor your past payments, navigate to ‘Payments’ and then select ‘Payment History’. You can filter by ‘Biller’ and ‘Date range’ to view specific payment records.
8. Manage Alerts: Stay updated on your bill payments by managing SMS and Email alerts. You can set up reminders and notifications for upcoming due dates, ensuring you never miss a payment.

With Axis Bank Net Banking, you can make payments towards a wide range of utilities, insurance premiums, mutual funds, subscriptions, donations, credit card bills, or even rental payments instantly and efficiently.

Mobile and DTH Recharge Made Easy

Running out of mobile talk time or DTH subscription can be inconvenient. Axis Bank Net Banking simplifies the recharge process, allowing you to top-up your mobile, DTH, or datacard instantly. Here’s the simple process:

1. Login to Net Banking: Start by logging into your Axis Bank Net Banking account using your User ID or Debit Card number and password.
2. Go to Recharge Section: Navigate to the ‘Payments’ section and click on ‘Recharges’. This will open up the recharge portal.
3. Select Recharge Type: Choose from the three available recharge options: ‘Mobile’, ‘DTH’, or ‘Datacard’, depending on what you need to recharge.
4. Choose Biller (if registered): If you have registered billers for recharges, select from the list. This streamlines the process if you frequently recharge the same numbers.
5. Recharge Options: Explore the available options within the recharge section, including:
   • Recharge History: View your past recharge transactions for tracking and reference.
   • Recharge: Initiate a new recharge for your selected service.
   • De-register: Remove billers from your registered list if needed.

Start a Systematic Investment Plan (SIP) in Mutual Funds

Investing in mutual funds through Systematic Investment Plans (SIPs) is a smart way to build wealth over time. Axis Bank Net Banking makes starting and managing your SIPs straightforward. Here’s how to get started:

1. Access Your Account: Login to Axis Bank Net Banking using your User ID or Debit Card number and password.
2. Navigate to Investment Section: Select ‘Investments’ and then click on ‘Mutual Funds’ to access the mutual fund investment platform.
3. Initiate Investment: On the Mutual Funds page, click on ‘Invest Now’ to begin your investment journey.
4. Browse Funds: Explore the ‘Top SIPs and Funds Page’ to discover various mutual fund options based on your investment goals and risk appetite.
5. KYC Verification: Axis Bank will automatically verify your MF KYC (Know Your Customer) status, which is a mandatory prerequisite for investing in mutual funds in India.
6. FATCA Declaration and Details: Complete the FATCA (Foreign Account Tax Compliance Act) declaration and fill in any other required details as prompted.
7. Set Up Risk Profile: Establish your risk profile. This helps in recommending suitable investment options. Note that you can modify your risk profile every 24 hours as your investment strategy evolves.
8. Link Bank Account: Link your Axis Bank account that you will use for investments. This account will be debited for your SIP installments and credited with any returns. Proceed to the next step after linking.
9. SIP Configuration: Finally, configure your SIP by specifying the tenure, preferred debit date, nominee details, and the SIP amount. Review all details and confirm to complete your SIP setup.

Convert Credit Card Spends to EMIs for Flexible Repayment

Unexpected large credit card spends need not cause financial strain. Axis Bank Net Banking allows you to convert your credit card transactions into Equated Monthly Installments (EMIs), making repayments more manageable. Here’s how to convert your spends to EMIs:

1. Login to Net Banking Portal: Access Axis Bank Net Banking with your Customer ID or Debit Card number and password.
2. View Credit Card Details: Navigate to your Credit Card section to view details such as minimum amount due, payment due date, and total amount due.
3. Select Your Credit Card: Choose the specific Credit Card for which you want to convert transactions into EMIs if you hold multiple cards.
4. Initiate EMI Conversion: From the available options for your selected credit card, choose ‘Convert to EMI’.
5. Statement Type Selection: Select the statement type – either ‘Current’ or ‘Unbilled’ depending on whether you want to convert transactions from your current statement or unbilled transactions.
6. Choose Eligible Transactions: Browse through the list of eligible transactions that can be converted into EMIs and select the ones you wish to convert. Click on ‘Convert to EMI’ after selection.
7. Tenure Selection and EMI Calculation: Choose a suitable repayment tenure, ranging from 6 to 24 months. The system will display the exact EMI amount and any applicable processing fees based on your chosen tenure.
8. Terms and Conditions Agreement: Carefully read and agree to the terms and conditions associated with EMI conversion before proceeding.
9. Transaction Confirmation: Confirm the transaction by entering the OTP (One-Time Password) sent to your registered mobile number. This finalizes the EMI conversion request.

Instant Fund Transfers – Anytime, Anywhere

Need to send money urgently? Axis Bank Net Banking offers multiple options for instant fund transfers, ensuring your money reaches the recipient quickly and securely. Here’s how to transfer funds:

1. Login to Net Banking: Start by logging into your Axis Bank Net Banking account using your Customer ID or Debit Card number and password.
2. Go to Fund Transfer Section: Select ‘Payments’ and then ‘Transfer Funds’ to access the fund transfer dashboard.
3. Add New Payee (First Time): For transferring funds to a new recipient for the first time, select ‘Add New Payee’.
4. Enter Payee Details: Accurately enter the payee’s details, including Name, Account Number, IFSC Code, etc. Confirm these details carefully before proceeding.
5. Payment Type for Axis Bank Accounts: If the payee holds an account with Axis Bank, select the ‘Payment Type’ as either ‘One Time’ for a single transfer or ‘Repetitive’ for recurring transfers.
6. Repetitive Transaction Details: If you selected ‘Repetitive’, enter further details such as the frequency of transfers, amount, and the number of installments.
7. OTP Confirmation: Confirm the transaction using the OTP sent to your registered mobile number. Upon successful authentication, the fund transfer will be initiated. An e-receipt with a Reference ID is generated immediately, which you can download or print for your records.
8. Transfer to Other Banks: For fund transfers to accounts in other banks, you have options to choose between payment methods like IMPS (Immediate Payment Service), NEFT (National Electronic Funds Transfer), or RTGS (Real Time Gross Settlement). Select the appropriate option based on the urgency and amount of transfer.
9. One-Time or Repetitive for Other Banks: Similar to Axis Bank accounts, you can also set up both ‘One Time Payment’ or ‘Repetitive Payment’ options for other bank accounts.
10. Instant Money Transfer (IMT): For extremely urgent transfers, utilize the ‘Instant Money Transfer’ option. After selecting the payee, enter the amount and create a secure PIN to confirm the payment. Share this PIN with the payee. The payee can then use this PIN along with other details to withdraw the cash from designated channels within the stipulated time.

Apply for an Instant Loan Against Your Credit Card

Need quick access to funds? Axis Bank Net Banking provides the facility to apply for an instant loan against your credit card, leveraging your existing credit limit. Here’s how to apply:

1. Login to Net Banking: Begin by logging into your Axis Bank Net Banking account using your Customer ID or Debit Card number and password.
2. View Credit Card Details: Browse through the list of your credit cards and view key details like minimum amount due, due date, and total amount due.
3. Select Credit Card and Loan Option: Select the specific credit card against which you wish to apply for a loan. From the options listed below the card details, choose ‘Instant Loan’.
4. Check Loan Eligibility and Amount: The system will display the maximum loan amount you are eligible for based on your credit card limit and other criteria. You will also have the option to enter the exact Loan Amount you require, up to the eligible limit.
5. Loan Tenure Selection: Enter the desired Loan Amount and then select the Loan Tenure that suits your repayment capacity.
6. Review Loan Details and Accept Terms: After selecting the tenure, you can review comprehensive loan details including the loan amount, tenure, interest rate, EMI amount, and processing fee. Carefully read and accept the Terms and Conditions.
7. OTP Verification: You will receive an OTP (One-Time Password) on your registered mobile number. Verify the OTP to authenticate and confirm your loan application.
8. Application Submission Confirmation: Upon successful OTP verification, you will receive a confirmation message stating that your Loan Application has been submitted and is under process. Typically, loan applications are processed within two working days.

Axis Bank Net Banking empowers you with a secure, convenient, and efficient way to manage your finances online. Explore these features and simplify your banking experience today.