A. For all those who do not have the WAP enabled facility, IDBI provides SMS (Short Message Service). SMS is the facility to send and receive short alpha-numeric messages to and from mobile phones.  The service is available to all the customers who maintain Savings, Current Accounts or Fixed Deposits with IDBI, at no extra cost (However, the service provider may charge some nominal charges. Some of the service providers provide this facility as a complementary service). SMS can be enabled without any additional device. For sending SMS messages, speech SIM card would suffice.

Basic Requirement

• Get the phone enabled for SMS service from your service provider
• Set the SMSC message Centre Number on the mobile phone once your operator provides this number
• Register yourself as a user with the respective branch of idbi bank with whom you have your accounts

A. While using SMS Banking service using SMS, a user has to give a request as a short message through a mobile phone. The short message should be in a particular format. The message has to be sent to 9820346920 or 9821043718. After the message is sent, within few seconds, the user will receive a response on his or her mobile phone as a short message. The user at his or her convenience can look at the message.

Know your options in SMS based SMS Banking services - From IDBI*

Input specifications for SMS Banking through SMS (User Guide 'SMS Service')

Business Request	Input
Account related information
1. Balance enquiry	BAL CUSTOMERID PIN [ACCOUNT NUMBER] Example: Bal 400001 aaaaa (All fields would be separated by spaces) Account number is optional. By default, information is available for primary account number.
2. Fixed deposits enquiry	FD CUSTOMERID PIN [ACCOUNT NUMBER] Example: Fd 400001 aaaaa (All fields would be separated by spaces). Account no is optional.
3. Last 3 Transactions	TXN CUSTOMERID PIN [ACCOUNT NUMBER] Example: txn 400001 aaaaa (All fields would be separated by spaces). Account number is optional.
4. Cheque Payment Status (to ascertain whether the cheque is paid or not)	CPS CUSTOMERID PIN CHEQUE NUMBER [ACCOUNT NUMBER] Example: Cps 400001 aaaaa (All fields would be separated by spaces). Account number is optional.
5. Request for cheque book	CBR CUSTOMERID PIN NUMBER OF LEAVES P/M [ACCOUNT NUMBER] Example: Cbr 400001 aaaaa 30 P - (By Person / By Mail) (All fields would be separated by spaces). Account number is optional.
6. Request for statement one can u.se this reference number to check the status of the request any time. The bank mails the statement of account.	STM CUSTOMERID PIN FROM-DATE-TO-DATE [ACCOUNT NUMBER] (All fields would be separated by spaces) From date MMYY To date MMYY Account number is optional. Example: Stm 400001 aaaaa 0899 1200
7. Change of PIN	CPN CUSTOMERID OLDPIN NEWPIN (All fields would be separated by spaces). Example: Cpn 400001 aaaaa bbbbb
Demat Enquiry
8. Free balance Holdings  (Passing the customer ID)	DB CUSTOMERID PIN STARTS WITH [DPM CLIENT ID] Example: db 400707 aaaaa ba 10017028
9. Last two Transactions	DT CUSTOMERID PIN Example: DT 400707 aaaaa 10017028
Bill Payment
10. Pending Bills	GETBILL CUSTOMERID PIN [PAYEEID] (All fields would be separated by spaces). Bill ID: Biller Name: Bill Date: Amount: Due Date: Example: IDBI Bank GETBILL Bill ID :1278 Biller Name: Life Insurance Corporation of India Bill Date 04/12/2002 Amount 11,000.00 Due Date 22/02/2003
11. Pay Bill	PAYBILL CUSTOMERID PIN BILLID (All fields would be separated by spaces). Success or failure message. Example: IDBI Ltd PAYBILL Bill No:1281 of MTNL Delhi for Rs 993.00 has been sucessfully paid.Your Payment ID is 0000003496.
12. Registered Billers	MYBILLERS CUSTOMERID PIN (All fields would be separated by spaces). Payee ID Payee Nick Name Example: IDBI Ltd. MYBILLERS Payee Id 20 Biller Name MTNL Delhi Payee ID 25 Biller Name Life Insurance Corporation of India
Supplementary operations
13. Change Primary Account	CPA CUSTOMERID PIN ACCOUNT NUMBER (All fields would be separated by spaces). Here, the account number is a must. Example: Cpa 400429 aaaaa 0131040042900
14. Help	HELP The reply message will contain the formats for all the options available for the uses as above.