Terms of Service (Terms & Conditions)
Your password should be complex and difficult for others to guess.Passwords must have at least 8 characters and maximum 20 characters, with no spaces in between Passwords must use at least three of the four available character types: lowercase letters, uppercase letters, numbers, and symbols. If the user does not log into the system for more than 30 days, user will not be able to login. User has to request the administrator to activate the user. Don't use passwords that are obvious, like your name, names of your family members, your address, phone number, or any other information that a thief might find in your purse or wallet. Never share your passwords with others, including family members.
Privacy Policy
The privity of content is between user and the Service provider (Merchant/Biller). Bank is only facilitating a payment mechanism and is not responsible for any deficiency by the service provider. The information, material, advices, suggestions, illustrations, notifications, circulars etc. are collectively stated "the content" in this website. If the said content contains any mistakes, omissions, inaccuracies and typographical errors, etc, SBI assumes no responsibility thereof. SBI makes no warranty or representation regarding any content provided through this website and disclaims its liabilities in respect thereof. Any action on user part on the basis of the said content is at his/her own risk and responsibility. SBI reserves its right to correct any part of the said content at any time as and when required at its sole discretion. In case of connectivity with different banks and third parties for the User's convenience which will lead to resources located on Servers maintained and operated by third parties over whom SBI does not have any control and SBI accepts no responsibility or liability for any of the material contained on those Servers. The Users will be using such links on third party websites at his/its own risk and responsibility and SBI will not be responsible for any loss, damage, costs and charges, direct or indirect incurred by the User arising out of or in connection with his/its access to the external website or for any deficiency in the products and services of the third party or for the failure or disruption of the website of the third party. SBI is not in any way liable for the contents of any of these linked websites or webpages. By providing connectivity to an external website or webpage, SBI shall not be deemed to endorse, recommend, approve, guarantee, indemnify or introduce any third parties or the services/ products they provide on their websites. When the Users click on the link to the external websites, please note that the Users are leaving the SBI's website and SBI's policies, terms & conditions, disclaimers will cease once the User leave the website of SBI. SBI is not a party to any contractual arrangements entered into between the User and the provider of the external website unless otherwise expressly specified or agreed to by SBI. Such external websites are governed by their respective policies/rules.
Security Tips
Your password should be complex and difficult for others to guess.Passwords must have at least 8 characters and maximum 20 characters, with no spaces in between Passwords must use at least three of the four available character types: lowercase letters, uppercase letters, numbers, and symbols. If the user does not log into the system for more than 30 days, user will not be able to login. User has to request the administrator to activate the user. Don't use passwords that are obvious, like your name, names of your family members, your address, phone number, or any other information that a thief might find in your purse or wallet. Never share your passwords with others, including family members.
Report Phishing
Your password should be complex and difficult for others to guess.Passwords must have at least 8 characters and maximum 20 characters, with no spaces in between Passwords must use at least three of the four available character types: lowercase letters, uppercase letters, numbers, and symbols. If the user does not log into the system for more than 30 days, user will not be able to login. User has to request the administrator to activate the user. Don't use passwords that are obvious, like your name, names of your family members, your address, phone number, or any other information that a thief might find in your purse or wallet. Never share your passwords with others, including family members.
Mobile Prepaid
Mobile Postpaid
Broadband Postpaid
Landline Postpaid
DTH
Electricity
Gas
LPG Gas
Housing Society
Cable TV
Education Fees
Insurance
Municipal Services
Hospital
Loan Repayment
Water
Subscription
Credit Card
Fastag
Health Insurance
Life Insurance
Municipal Taxes
Clubs and Associations
Recurring Deposit
Metro
Rental
NCMC Recharge
Hospital and Pathology
Donation
Prepaid Meter
Customer Details:
Biller Description :
Category:
Payment details shall be sent to the mobile no. & email ID mentioned below
Payment details shall be sent to the mobile no. & email ID mentioned below
Maharashtra State Electricity Distribution Company Limited ( MSEDCL )
Consumer No: 000369852147
If you select the option to save biller details & fetch upcoming bills, SBI Unipay will save the details for this biller & automatically fetch the upcoming bills as generated by this biller. You will also be notified by SMS & Email for upcoming bills by this biller.
You can edit / delete the settings anytime from âManage Billersâ section.
This service is free and you will not be charged any amount for the same.
SBI Unipay does not share any bill details with any third party.
These terms and conditions govern the use of the Bill Payment Facility offered by State Bank of India through SBI Unipay.
In this document, the following words and phrases shall have the meanings as set below unless the context indicates otherwise:
‘NPCI’ refers to the National Payments Corporation of India.
‘Aggregator’ refers to online payment aggregators. These companies facilitate online payments by acting as intermediaries between the Customers and the merchant/biller.
‘Billers’ refers to government agencies, statutory bodies, companies, corporates, businesses, societies, charities and other entities that collect bill payments.
‘BBPOU’ refers to the Bharat Bill Payment Operating Unit working based on the standards set by NPCI. In the present context, State Bank of India will be BBPOU.
‘State Bank of India’ or ‘SBI’ or the ‘Bank’ refers to State Bank of India, a Body Corporate constituted under the State Bank of India Act, 1955 and having its Corporate Centre at State Bank Bhavan, Madame Cama Road, Nariman Point Mumbai 400 021.
‘Terms’ refer to terms and conditions herein for use of the Bill Payment Facility.
‘Bill Payment Facility’ refers to the bill payment services offered by SBI to Customers through SBI Unipay. Payments can be done through multiple payment modes and payment confirmation will be received through SMS/ e-mail/ print receipts.
‘Customer’ refers to end users of the Bill Payment facility.
‘SBI Unipay’ means a website/application owned or operated by SBI for the purpose of offering the Bill Payment Facility.
Role of SBI in the Bill Payment facility
The Customer agrees that SBI is acting solely in the capacity of a facilitator of payments and not in the capacity of a beneficiary/biller/merchant.
The Customer understands that the Bank facilitates the Bill Payment Facility through:
BBPOU infrastructure where the Biller is registered with NPCI for bill payments.
Aggregators with whom the Bank has an agreement.
The Customer understands that all payments are routed through NPCI/Aggregator and the Bank has no direct contact with the Biller.
Instructions
The Customer agrees and accepts that the Bank, through the SBI Unipay, will enable bill payments basis instructions provided by the Customer from time to time.
Customer agrees that the record of the instructions given and transactions with the Bank shall be conclusive proof and binding for all purposes and can be used as evidence in any proceeding.
Refund Policy:
All bill payments are final. Refund shall not be provided for the successful bill payments.
Customer is responsible for correctness of bill details entered in the portal for Bill payments. State Bank of India is not responsible for any bill payments done for an incorrect bill detail entered by the customer/ User.
In case of failed bill payment transactions, refund shall be given to the source account as per the Turn Around Time (TAT) stipulated by the Regulators/ authorised entities from time to time.
As the SBI Unipay portal is equipped with the mechanism to facilitate the Bill payments using multiple Payment modes through multiple Banks, the users may approach their Source Bank (Bank account/ card/ payment mode used) to verify/ raise concern on the status of refunds if not effected within the TAT.
In case of disputes, the complaint shall be raised through "Customer Support" option provided in the SBI Unipay portal.
Privacy and Security Policy
State Bank of India is fully committed to maintain and protect the privacy, secrecy, security and integrity of the information received by it from persons accessing its website in accordance with applicable statutes, rules, regulations and directions issued thereunder. State Bank of India adopts and implements best international standards and practices for protection, non-disclosure and privacy of information.
When a person visits SBI Unipay portal, the website administrator uses cookies to monitor and collect statistics about visitor's browser, including information about the time and date when a visitor accessed the site, the pages visited, the Internet domain and IP address from which the site was accessed and information on the browsing software he/she used to access the site. However, no attempt is made to gather or keep personal details to identify users except, in an unlikely event of an investigation, where a law enforcement agency may exercise a power to inspect activity logs.
Collection of Information
This website does not automatically capture any specific personal information from you, (like name, phone number or e-mail address), that allows us to identify you individually. Wherever the Website requests you to provide personal information, it is for the sake of assisting you in conducting the Bill payment and related actions. Adequate security measures will be taken to protect your personal information.
We do not sell any personally identifiable information volunteered on the website site to any third party (public/private), however, the needed data shall be shared with the enablers of Bill payment in a secured manner and with necessary precautions to assist the Bill payment journey.
State Bank of India may also disclose your information if required to do so by law, or if you request it to do so.
Storage of Information
As a Banking institution, the necessary records are maintained in a safe and secured manner as per its policy and in compliance with the statutory provisions and directions for the period required by it and as prescribed by laws and rules etc. State Bank of India does not allow any unauthorized access to the information stored by it in paper or electronic form. The information is securely stored and access is restricted to authorised personnel only.
Consents
The Customer authorizes and consents to (a) the Bank accessing and retrieving the Customer’s billing details from the Biller and (b) the Bank processing Customer’s data (including personal data) or sharing such data with Biller/NPCI, to the extent necessary for the purpose of Bill Payment Facility(c) The Customer further agrees and consents to receive SMS and email from the Bank informing about the bill payments.
Complaints and Dispute Resolution
In the event of any discrepancies encountered during a transaction, users are encouraged to raise a complaint directly against the specific transaction via the “Customer Support” section.
Complaint Status Tracking
The status of any complaints raised will be accessible within the “Customer Support” section for your reference and follow-up.
Complaint Handling and Resolution
All the complaints will be addressed and resolved by the concerned entity in accordance with the standard operating procedures laid down by National Payments Corporation of India/ other regulatory guidelines/ applicable guidelines.
Liability and Indemnity
In consideration of SBI providing the Customer the Bill Payment Facility the Customer agrees, at their own expense, to indemnify, defend and hold harmless SBI, its directors, employees, representatives, agents and its affiliates against any loss, damage, expense, cost, including, but not limited to, reasonable attorneys' fees and costs awarded suffered by them; or any claim, suit, action or other proceeding brought against them by the Customer or a third party, to the extent that such loss, damage, expense, cost, claim, suit, action of other proceeding is based on or arises as a result of or in connection with:
SBI or affiliates' execution of the Customer's instructions
A violation of the Terms by the Customer
Any unauthorised use of the Bill Payment Facility by the Customer
Any misrepresentation or breach of representation or warranty made by the Customer;
Under no circumstances will State Bank of India be liable for any expense, loss or damage including, without limitation, indirect or consequential loss or damage, or any expense, loss or damage whatsoever arising from use, or loss of use, of data, arising out of or in connection with the use of this website. The Customer hereby agrees that under no circumstance shall SBI’s aggregate liability for claims relating to the Bill Payment Facility, whether for breach or tort (including but not limited to negligence) exceed the transaction charges/fees or consideration paid by the Customer within the previous twelve (12) months for bill payment facility excluding any amount paid towards transactions.
General
Withdrawal of Bill Payment Facility: The Customer agrees that the Bank is at liberty to withdraw at any time the Bill Payment Facility, or any services provided there under, without assigning any reason whatsoever, without giving any notice to the Customer.
Change of Terms: SBI shall have the absolute discretion to amend or supplement any of the Terms and/or terms and conditions stipulated by Bank and/or its Affiliates pertaining to the Bill Payment Facility and/or to any services/facilities offered by SBI. The Customer shall be responsible for regularly reviewing these Terms and the terms and conditions stipulated by SBI including amendments thereto as may be posted on the website. Such amended Terms stipulated by SBI will thereupon apply to and be binding on the Customer from the date of notice. By using any new services as may be introduced by SBI, the Customer shall be deemed to have accepted the changed Terms stipulated by SBI.
Modes adopted by Bank: Bank may adopt modes of OTP or ticking/clicking the ‘I agree’/ ‘Agree’/ ‘Agree’ and Proceed’ or ‘I agree and accept’ or any similar icon/tab/option online or any other mode for accepting and authenticating these Terms by the Customer, which may not be recognized under the Information Technology Act, 2000 for authentication of electronic records. The Customer hereby agrees and consents that the modes adopted by the Bank are acceptable to the Customer and that the acceptance or authentication of the Terms or transactions carried out through such modes shall be valid, binding, and enforceable against the Customer.
Notices: SBI may give notices under these Terms to the Customer in writing by delivering them by hand or to the registered e-mail address or by sending them by post to the last address given by the Customer and in the case of SBI to its corporate office address as set out hereinabove. In addition, SBI shall also have the right to publish notices of general nature, which are applicable to all Customers in a newspaper or on its web site located at https://bank.sbi or https://sbi.co.in or https://customer.sbiunipay.sbi. Such notices will have the same effect as a notice served individually to each Customer. Notice and instructions will be deemed served 7 days after posting or upon receipt in the case of hand delivery, cable, telex or facsimile.
Governing Law
These terms and conditions shall be governed by and construed in accordance with the Indian Laws. Any dispute arising under these terms and conditions shall be subject to the jurisdiction of the courts of India.
ACCEPTANCE
The Customer hereby expressly acknowledges and confirms that the Customer has read, verified, understood and accepted the Terms online by ticking/clicking the ‘I agree’/ ‘Agree’/ ‘Agree’ and Proceed’ or ‘I agree and accept’ or any similar icon/tab/option online, for as well as by entering the One-Time Password (‘OTP’) received in the Customer’s registered mobile number or by performing any bill payment transaction through SBI Unipay.
Contact Us
In case of queries pertaining to SBI Unipay, please write to us.
support.unipay@sbi.co.in
Operating System (OS) of the
computer system should be upgraded promptly. Newer version of
the operating system would help you make your system more
secure.
Latest version of browsers
should be used to connect to the internet as they afford higher
level of security.
Installing personal firewall
on your computer system will provide added level of security.
Installation of Antivirus
software on your computer system will reduce the risk of virus
attacks. Continuous update of these antivirus software will
offer more resistance to newer viruses.
You can eliminate potential
risk caused through pop-up windows bt removing any spyware or
adware installed on your computer, using spyware/adware removal
software.
Be sure the Web page you are
viewing offers encryption of your data. Often you will see a
lock symbol in the lower right-hand corner of your browser
window and/or the Web addresss of the page you are viewing will
begin with "https://..." The 's' indicates secured and means
the Web page uses encryption.
Downloads from unfamiliar
sources may contain hidden programs or viruses that can
compromise your computer's security.
When not in use, disconnect
your computer system from the internet to avoid unwanted access
to the information on your system. This precaution is
applicable even if you have a firewall installed.
Never leave your computer
unattended after you have logged into Internet banking website.
Install a screen saver with
password protection.
If you are using a sensitive
application like Internet banking, ensure that you logout
completely, using the following steps:
'Phishing' is a common form of Internet piracy. It is deployed to steal confidential financial information like bank account numbers, net banking passwords, credit card numbers, personal identity details etc. Later the perpetrators may use the information for siphoning money from the victim's account or run up bills on victim's credit cards. In the worst case, one could also become the victim of identity theft. A few customers of some other Indian banks have been affected by the attempt of phishing in early 2006.
The following section details the methodology of a 'Phishing' attack, do's and don'ts in sharing of confidential information and the corrective action to be taken by a victim of a phishing attack.
Phishing attacks use both
social engineering and technical subterfuge to steal customers'
personal identity data and financial account credentials.
Internet banking user receives
a fraudulent e-mail seemingly from a legitimate Internet
address.
The email invites the user to
click on a hyperlink provided in the mail.
User clicks the hyperlink and
is redirected to a fake web site that looks similar to the
genuine Internet banking site.
Usually the email will either
promise a reward on compliance or warn of an impending penalty
on non-compliance.
User is asked to provide
confidential information, such as login/profile or transaction
passwords and bank account numbers etc.
User provides the details in
good faith and clicks on 'submit' button.
User is displayed an error
page.
User has fallen prey to a
phishing attack.
Do not click on any link,
which has come through e-mail from an unknown source. It may
contain malicious code or could be a 'Phishing attack'.
Do not provide any information
on a page which might have come up as a pop-up window.
Never provide your password
over the phone or in response to an unsolicited request over
e-mail.
Always remember that
information like password, PIN, TIN, etc. are strictly
confidential and are not known even to employees/service
personnel of the Bank. You should therefore, never divulge such
information even if asked for.
Always logon to a site by
typing the proper URL in the address bar.
Before providing your user id
and password please ensure that the URL of the login page
starts with the text 'https://' and is not 'http://'. The 's'
stands for 'secured' and indicates that the Web page uses
encryption.
Always look for the lock sign
() at the right bottom of the browser and the VeriSign
certificate.
Provide your personal details
over phone/Internet only if you have initiated a call or
session and the counterpart has been duly authenticated by you.
Please remember that the bank
would never ask you to verify your account information through
an e-mail.
If you feel that you have been phished or you have provided your personal information at a place you should not have, please carry out the following as a damage mitigation measures immediately:
Change your
login/profile/transaction password immediately.
Report the incident to the
bank.
Check your account statement
and ensure that it is correct in every respect.
Report any erroneous
entries/transactions to the bank.
Use the other compensatory
controls provided by the bank like adding trusted third parties
to zero, enabling high security, etc. to minimize the risk.
The privity of content is between user and the Service provider (Merchant/Biller). Bank is only facilitating a payment mechanism and is not responsible for any deficiency by the service provider. The information, material, advices, suggestions, illustrations, notifications, circulars etc. are collectively stated "the content" in this website. If the said content contains any mistakes, omissions, inaccuracies and typographical errors, etc, SBI assumes no responsibility thereof. SBI makes no warranty or representation regarding any content provided through this website and disclaims its liabilities in respect thereof. Any action on user part on the basis of the said content is at his/her own risk and responsibility. SBI reserves its right to correct any part of the said content at any time as and when required at its sole discretion. In case of connectivity with different banks and third parties for the User's convenience which will lead to resources located on Servers maintained and operated by third parties over whom SBI does not have any control and SBI accepts no responsibility or liability for any of the material contained on those Servers. The Users will be using such links on third party websites at his/its own risk and responsibility and SBI will not be responsible for any loss, damage, costs and charges, direct or indirect incurred by the User arising out of or in connection with his/its access to the external website or for any deficiency in the products and services of the third party or for the failure or disruption of the website of the third party. SBI is not in any way liable for the contents of any of these linked websites or webpages. By providing connectivity to an external website or webpage, SBI shall not be deemed to endorse, recommend, approve, guarantee, indemnify or introduce any third parties or the services/ products they provide on their websites. When the Users click on the link to the external websites, please note that the Users are leaving the SBI's website and SBI's policies, terms & conditions, disclaimers will cease once the User leave the website of SBI. SBI is not a party to any contractual arrangements entered into between the User and the provider of the external website unless otherwise expressly specified or agreed to by SBI. Such external websites are governed by their respective policies/rules.