Security is of prime importance for providing banking services over the Net. Internet Banking is built using state-of-the-art technologies that provide a high degree of security. The security infrastructure comprises of filtering routers, firewalls, intrusion detection systems (IDS), besides virus monitoring tools, etc. The security requirements adhere to RBI's recommendations for Internet Banking. The security has been implemented and audited by an international consulting firm, using internationally accepted standards and practices.

Internet Banking uses 128-bit digital certificate from Verisign for encryption of the Secure Sockets Layer (SSL) session. SSL is the industry standard for encrypted communication and ensures that customer's interaction with the Bank over the Internet is secure.

Besides technological solutions, Security is also built into the process of registration and usage of Internet Banking.

• First-time passwords are automatically generated by the system and printed on to password mailers so that no one in the Bank is ever aware of the passwords
• Two levels of passwords are provided. Transaction password is used for confirming financial / non-financial transactions
• The system enforces change of password on first time login
• The Internet Banking facility is locked in case of 5 consecutive wrong passwords
• Forced periodic change of passwords is implemented
• Internet Banking enforces use of minimum 6 character password, which should include alphabets (A-Z,a-z) as well as numbers (0-9). Special characters like #$@% are also accepted as part of the password.