User Manual Fund Transfer and Quick Transfer

yono Business – User Manual
Domestic Payments – Funds Transfer and Quick Transfer
Issued Date: 06/01/2023
Digital Transformation & e-Commerce
Corporate Centre
Turbhe, Navi Mumbai
1
FORWORD
This manual has been written to provide step by step details to the Maker-Checker for funds
transfer and Quick Transfer module that runs through across single user and multiple users.
Intended Audience: This user manual is intended for the corporate users who are availing the
CINB payment facilities with the bank.
Introduction:
Simplified Fund Transfer - Covers fund transfer to Own SBI account, Within SBI (Third Party),
Other Bank (RTGS, NEFT and IMPS) by single user and multiple users.
Key features:
a) Marking of favorite and recent transaction for repeat transactions
b) Display of available balance at transaction initiation for easy selection of debit account
c) Single debit multiple transaction initiation
d) Standing Instruction of payment for multiple users
e) Approval of multiple transactions in single screen by Authoriser
Quick Transfer: Payment can be made directly to the beneficiary without adding them
Key features:
a) Corporate Admin needs to enable Quick Transfer rights to Authorisers along with
transaction limit
b) Only Authorisers can make payments through Quick Transfer
Transaction limits are:
Users Maximum Quick Maximum per Transaction limit
Transfer limit per day
Single Rs. 1,00,000/ Rs.25000/-
User
Multi Rs. 5,00,000/- (Max of
User all Authorisers under
one Admin)
Yono Business
Digital Transformation & e-Commerce Dept.
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Table of Contents
Table of Content
1.1 Payment Services Configuration

1.2 Initiate Fund Transfer
1.3 Authorize Transaction (Authorizer/Approver)
1.4 Quick Transfer
1.5 Customer Complaints
3
List of Figures
Figure 1.1 : Payment Service Configuration……………………………………………………………………………………………………6
Figure 1.1.1: yono Business Dashboard – Profile menu ....................................................................................... 7
Figure 1.1.2: yono Business- Profile password authentication .............................................................................. 8
Figure 1.1.3: Profile menu – Payment Services ................................................................................................... 9
Figure 1.1.4: Payment Services - Enable Authentication .................................................................................... 10
Figure 1.1.5: Payment Services - Enable Quick Transfer ................................................................................... 11
Figure 1.1.6: Enable Quick Transfer page ........................................................................................................ 12
Figure 1.1.7: Enable Quick Transfer - Input Daily Transaction limit...................................................................... 13
Figure 1.1.8: Enable Quick Transfer - Select Authorizer – Set per transaction limit ............................................... 14
Figure 1.1.9: Enable Quick Transfer - Preview page .......................................................................................... 15
Figure 1.1.10: Enable Quick Transfer - Preview page – Delete user - Confirm ..................................................... 15
Figure 1.1.11: Enable Quick Transfer - Preview page- Delete user- Success ....................................................... 16
Figure 1.1.12: Enable Quick Transfer - Preview page - Confirm .......................................................................... 17
Figure 1.1.13: Enable Quick Transfer – Success page....................................................................................... 18
Figure 1.1.14: Enable Quick Transfer page – Added Authorizer table .................................................................. 19
Figure 1.1.15: Enable Quick Transfer – Delete Added authorizer ........................................................................ 20
Figure 1.1.16: Enable Quick Transfer – Delete Added authorizer - Confirm.......................................................... 20
Figure 1.1.17: Enable Quick Transfer – Delete Added authorizer - success ......................................................... 21
Figure 1.1.18: Disable Quick Transfer .............................................................................................................. 22
Figure 1.1.19: Disable Quick Transfer - Success ............................................................................................... 22
Figure 1.1.20: Disable Quick Transfer - Success ............................................................................................... 23
Figure 1.2 Initiate Fund Transfer……………………………………………………………………………………………………………24
Figure 1.2.1: Payments landing page- Maker………………………………………………………..……………………………….25
Figure 1.2.2: Payments landing page – SARAL................................................................................................. 26

Figure 1.2.3: Payments landing page - Authorizer ............................................................................................. 27
Figure 1.2.4: Payments – Select Transaction type ............................................................................................. 28
Figure 1.2.5: Request page (Own SBI account) ................................................................................................ 30
Figure 1.2.6: Request page - Within SBI (Third party) ........................................................................................ 31
Figure 1.2.7: Request page - Other Banks_NEFT ............................................................................................. 32
Figure 1.2.8: Request page - Other Banks_RTGS ............................................................................................. 33
Figure 1.2.9: Request page - Other Banks_IMPS_IFSC ..................................................................................... 34
Figure 1.2.10: Request page - Other Banks_IMPS_MMID.................................................................................. 35
Figure 1.2.11: Funds Transfer– Preview page................................................................................................... 36
Figure 1.2.12: Funds Transfer – Success page ................................................................................................. 37
Figure 1.2.13: Funds Transfer – Downloaded pdf .............................................................................................. 38
Figure 1.2.14: Funds Transfer - Success page (Mark as Favorite) ...................................................................... 39
Figure 1.2.15: Funds Transfer – Failure page ................................................................................................... 40
Figure 1.2.16: Payments – Landing page (Favorite & Recent transaction) ........................................................... 41
Figure 1.2.17: Payments – Favorite transaction_List view .................................................................................. 42
4
Figure 1.2.18: Payments – Recent transaction (List view) .................................................................................. 43
Figure 1.3: Authorise Transaction (Authoriser/Approver)……………………………………………………………………...44
Figure 1.3.1: Authorize - Landing page - Top 15 transactions ............................................................................. 46

Figure 1.3.2: Payments – Select Transaction_Top 15 ........................................................................................ 47
Figure 1.3.3: Payments – Select Transaction_ View All...................................................................................... 48
Figure 1.3.4: Approve Transaction (OTP Authentication).................................................................................... 49
Figure 1.3.5: Approve transaction (Status page) - Joint Level Authorization ......................................................... 50
Figure 1.3.6: Approve transaction (Status page) - Single Level Authorization ....................................................... 51
Figure 1.3.7: Approve transaction - Status page ................................................................................................ 52
Figure 1.3.8: Reject Transaction - Reason for Rejection..................................................................................... 53
Figure 1.3.9: Reject Transaction (Status page) - Joint Level Authorization ........................................................... 54
Figure 1.3.10: Approve transaction (Status page) - Single Level Authorization ..................................................... 55
Figure 1.3.11: Reject transaction - Status page ................................................................................................. 56
Figure 1.3.12: Reschedule Transaction - Reschedule Date ................................................................................ 57
Figure 1.3.13: Reschedule transaction (Status page) - Joint Level Authorization .................................................. 58
Figure 1.3.14: Reschedule transaction (Status page) - Single Level Authorization ................................................ 59
Figure 1.3.15: Reschedule transaction (Status page) ......................................................................................... 60
Figure 1.3.16: Authorize - Top 15 Form based transaction ................................................................................. 61
Figure 1.3.17: Detail View ............................................................................................................................... 61
Figure 1.3.18: Detail View (Approve Transaction) .............................................................................................. 62
Figure 1.3.19: Detail View (OTP Authentication)................................................................................................ 63
Figure 1.3.20: Approve Transaction (Status page)............................................................................................. 64
Figure 1.3.21: Authorize landing page - View All ............................................................................................... 65
Figure 1.4: Quick Transfer……………………………………………………………………………………………………………………..66
Figure 1.4.1: Payments landing page ............................................................................................................... 68

Figure 1.4.2: Payments landing page ............................................................................................................... 70
Figure 1.4.3: Payments – Quick Transfer menu .............................................................................................. 712
Figure 1.4.4: Quick Transfer – Request page_Within SBI................................................................................. 732
Figure 1.4.5: Quick Transfer – Request page_Other Banks_NEFT ................................................................... 743
Figure 1.4.6: Quick Transfer – Request page_Other Banks_IMPS_IFSC ........................................................... 754
Figure 1.4.7: Quick Transfer – Request page_Other Banks_IMPS_MMID ........................................................... 75
Figure 1.4.8: Quick Transfer – Preview page .................................................................................................... 77
Figure 1.4.9: Quick Transfer – Success page.................................................................................................... 77
Figure 1.4.10: Quick Transfer – Success page_Download_Print_Make another Transaction ................................. 78
Figure 1.4.11: Quick Transfer – Downloaded pdf............................................................................................... 79
Figure 1.4.12: Quick Transfer – Success page_Mark as Favorite........................................................................ 80
Figure 1.4.13: Quick Transfer – Failure page .................................................................................................. 821
Figure 1.4.14: Payments – Landing page – Favorite transaction ....................................................................... 832
Figure 1.4.15: Payments – Landing page – Recent transaction ........................................................................ 843
Figure 1.4.16: Payments – Landing page ....................................................................................................... 854
Figure 1.4.17: Payments – Favorite transaction_List view ................................................................................ 865
Figure 1.4.18: Payments – Recent transaction_List view.................................................................................. 876
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Figure 1.5: Customer Complaints…………………………………………………………………………………………………………..87
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1.1 Payment Services Configuration
This section of the user manual provides the necessary information on configuration settings applicable for
Domestic Payments at Yono Business for Corporate Users.
Following are the list of payment services to be set by the Admin:
• Enable OTP (for initiating funds transfer)
• Enable Quick Transfer
The end to end process of payment services configuration are as below:
Enable OTP
1. Login to yono Business
2. Click on Settings (gear icon)→Profile→Select tab Payments Services
3. System displays following options
• Enable OTP
4. Click on Enable OTP
5. System displays Yes or No option to enable OTP (default No is selected)
6. On Yes, system enables the OTP to initiate transaction
7. On No, system disables the OTP to initiate transaction
Note: The option to enter OTP appears on the Preview page while initiating funds transfer.
Enable Quick Transfer
1. Click on Settings (gear icon)→Profile→Select tab Payments Services
2. System displays following options
• Enable OTP
3. Click on Enable Quick Transfer
4. To enable Quick Transfer, System displays Yes or No option. (default selected is No)
5. On selecting option No, system disables Quick Transfer for all the enabled users
6. On selecting option Yes, system displays Enable Quick Transfer page with the following details:
• Daily Transaction limit
• Add Authorizer (displays List of Authorizer mapped to the Admin and option to set per
transaction limit)
• Added Authorizer (displays List of Authorizer already enabled for Quick Transfer and edit
respective per transaction limit of the user)
7. Input Daily Transaction limit
8. Select the authorizer from the list of Add authorizer’s table to enable Quick transfer for that
particular user
9. Input per transaction limit for each selected user
10. System displays option to delete the user or edit the details of the already enabled user to do Quick
Transfer
11. Click on Preview, after entering required details
12. Verify details in Preview page
13. Click on CONFIRM. On successful confirmation, system display the success page
User Manual - yono Business Page | 7

Action1: yono Business: Dashboard
On successfully login to yono Business, system displays yono Business dashboard.
User to click Setting (gear icon)→ Profile menu
Figure 1.1.1: yono Business Dashboard – Profile menu

Action2: Authenticate Profile Password
Settings being part of profile section, system prompts user to input Profile Password.
User to input Profile Password and click on SUBMIT.
Figure 1.1.2: yono Business- Profile password authentication

Action3: Payment Services
On successful authentication of Profile password, system displays profile page with following tabs:
• User Profile
• Change Profile Details
• Payment Services
On click of Payments Services tab, system displays Payment Services page.
Click on Enable Authentication, system navigates to Enable OTP page.
Click on Enable Quick Transfer, system navigates the user to Enable Quick Transfer Page.
Figure 1.1.3: Profile menu – Payment Services

1.1.4 Enable Authentication
Action1: Enable Authentication
On click of Enable Authentication link, system Navigates user to enable OTP page with option enable or
disable (toggle button)
• If enabled, OTP authentication will be applicable to the users under that Admin while initiating
funds transfer
• If disabled, the OTP authentication will not be applicable to the users under that Admin
Figure 1.1.4: Payment Services - Enable Authentication

1.1.5 Enable Quick Transfer
Action1: Enable Quick Transfer
On click of Enable Quick Transfer, system displays option to select Yes or No (By default No is selected
for the first time)
Click the following option to Enable or disable Quick Transfer for all the users mapped under the logged
in Administrator:
• Yes→ Enable Quick Transfer

• No→ Disable Quick Transfer
Figure 1.1.5: Payment Services - Enable Quick Transfer

Action2: Select Yes to Enable Quick Transfer
On click of Yes, system displays the option to
• Input Daily Transaction Limit (maximum amount of rupees Ten lakhs)

• Select Authorizer from the Add authorizer table
o Input per transaction limit for each user (maximum amount of rupees Twenty Five
thousand)
Figure 1.1.6: Enable Quick Transfer page

• Input Daily Transaction limit
Figure 1.1.7: Enable Quick Transfer - Input Daily Transaction limit
Note: Daily transaction limit is set at Admin level

Eg: Consider Corporate ABC has multiple Admins. Admin1 can set Daily Transaction limit as Rs.10lac
and Admin2 can set Daily Transaction limit as Rs. 5lac. The Daily Transaction limit set by Admin 1 and
Admin2 is mutually exclusive. But for the Corporate ABC the Daily transaction limit to do Quick Transfer is
Rs. 15lacs

• Set per transaction limit for each selected user. Click on PREVIEW button.
Figure 1.1.8: Enable Quick Transfer - Select Authorizer – Set per transaction limit

Action3: Preview details
On click of PREVIEW, system displays preview page with all the details pre-populated.
User has the option to delete the authorizer from the List of Added Authorizers
Figure 1.1.9: Enable Quick Transfer - Preview page
• On click of delete icon, system prompts the user to confirm deletion
Figure 1.1.10: Enable Quick Transfer - Preview page – Delete user - Confirm

• On click of Yes, system deletes the record from the table. System displays success message
Figure 1.1.11: Enable Quick Transfer - Preview page- Delete user- Success

• Click on CONFIRM button to continue
Figure 1.1.12: Enable Quick Transfer - Preview page - Confirm

Action4: Success page
On successful confirmation, system enables quick transfer for the selected user with the respective
transaction limits.
Figure 1.1.13: Enable Quick Transfer – Success page

• On click of OK button, system navigates the user to Enable Quick Transfer page, updated with list
of user enabled for quick transfer in the List of Added Authorizer’s table.
Figure 1.1.24: Enable Quick Transfer page – Added Authorizer table

Action5: Delete Added Authorizer
To disable Quick Transfer functionality for the already enabled user, system provides the option to delete
the user from the list of Added Authorizer’s table. Steps as follows:
• In the Added Authorizers table, Click on Delete icon against a user for whom you want to disable
Quick Transfer
Figure 1.1.35: Enable Quick Transfer – Delete Added authorizer
• System prompts for confirmation, Click Yes.
Figure 1.1.46: Enable Quick Transfer – Delete Added authorizer - Confirm

• On successful confirmation, system displays success message and disables Quick Transfer for
the deleted Authorizer.
• The deleted Authorizer will now be available under Add Authorizer table.
Figure 1.1.57: Enable Quick Transfer – Delete Added authorizer - success

Action6: Disable Quick Transfer
• Click on No to disable Quick Transfer.
Figure 1.1.68: Disable Quick Transfer
• System prompts for Confirmation. Click on Yes.

• On click of No, system retains the previous data.
Figure 1.1.20: Disable Quick Transfer - Success

• System disables Quick Transfer (for all the Authorizer’s mapped to the logged Admin) and
displays success message.
Figure 1.1.21: Disable Quick Transfer - Success

1.2 Initiate Funds Transfer
This section of the user manual provides the necessary information for corporate users on Domestic
Payments journey at Yono Business. It details on the process of Fund transfer by the corporate users
who are availing the CINB payment facilities with bank.
The process is applicable to the Single user (SARAL), and Multiple user (VYAAPAR and VISTAAR).
Following is the list of form based transactions:
• Own SBI Account
• Within SBI(Third Party)
• Other Banks
o NEFT
o RTGS
o IMPS (IFSC & MMID)
• Quick Transfer (This menu will be displayed only to Authorizer and SARAL user. For more
details, refer to Quick Transfer manual)
The end to end process of initiating Funds Transfer is as below:
1. Log in to yono Business. On success, system displays yono Business dashboard

2. Click on Payments menu (left Navigation).
(For user with role as Authorizer→ click on Payments→ initiate menu)
3. System displays Payments landing page
4. Select Transaction type :
• Own SBI
• Within SBI
• Other Banks
5. System displays request page.
6. Select the From account (Debit a/c) and To account (Credit a/c)
7. Select Beneficiary type in case of IMPS- IFSC/ MMID
8. Input Transfer amount
9. Select Purpose code in case of Other Banks transfer
10. Input Remarks and accept Terms & Condition
11. Click on PROCEED
12. On successful validation of the transaction details input by the user, system displays Preview page
13. Verify details in Preview page, input OTP and click on CONFIRM
14. System displays Status page → Reference number is generated and displayed along with success or
failure status
15. For SARAL user, the process ends here. For Multiple user the transaction is sent to Authorizer/
Approver for authorization (Refer Authorize Transaction manual)
Note:
• OTP authentication is non-mandatory while initiating the transaction. Admin to enable / disable
the OTP authentication for initiating funds transfer (Refer Payment Services Configuration Manual
for OTP Authentication)
• Low balance transaction: user will get an alert message on the screen if the transfer amount is
greater than the available balance for the selected From account. Single user (SARAL) user
cannot proceed with a low balance transaction. Multiple user (VYAAPAR and VISTAAR), will be
allowed to proceed with request after warning message prompted by the system. Transaction will
go to Authorizer/ Approver for approval

Action1: Initiate Payments – Funds transfer
On login to yono Business, system displays yono Business dashboard.
• Maker
User to click on Payments menu
Figure 1.2.1: Payments landing page- Maker

• SARAL
Figure 1.2.2: Payments landing page – SARAL

• Authorizer
User to click on Payments→Initiate
Figure 1.2.3: Payments landing page - Authorizer

Action2: Select Transaction type
User to select the transaction type
• Own SBI Account

• Within SBI(Third Party)
• Other Banks
Figure 1.2.4: Payments – Select Transaction type

Action3: Request page: Input Transaction details
On click of Transaction type (Own SBI a/c or Within SBI or Other Banks), system displays the Request
page.
User to fill the required details:
Transaction type
# Field name Input or select
(applicable to)
1 From a/c All Select debit account number
2 Beneficiary type Other Banks: IMPS Select IFSC(default selected) or MMID
3 To a/c All Select Credit account number
4 Credit Amount All Input amount to be transferred
(RTGS: Minimum per transaction amount is Rs. 2 lac,
IMPS: Maximum per transaction amount is Rs.2 lac, for all
the other transfer type the minimum per transaction
amount is Rs.1)
5 Select Purpose Other Banks Select Purpose from the dropdown

6 Bank charges Other Banks System generated and is currently Nil.
7 When All Select when you want to process the transaction :
Now or Schedule the transaction for future date
8 Priority Other Banks: RTGS Select Priority : Normal or High
9 GSTIN (optional) Other Banks System pre-populates GSTIN. If not available in the system,
user to input the GSTIN value
10 Remarks All Input remarks. Optional in case of Other Banks
Note:
• In the Request page the user has the following options to select the From or To account number
o From a/c, options to
▪ Search by Account number or Nick name
▪ Filter by type of account (eg: Savings/ current/ NRO, etc)
o To a/c : Search by Account number or Beneficiary name
o Input field for the account number is a Smart search, when user inputs Account number
system will display list of account number. User to select the account number to proceed
o User to input valid account number. If entered account number does not exists system
will display error message.
• User can toggle between Tile and List view to view the From and To account number

Own SBI Account
After entering required details, click on PROCEED button.
Figure 1.2.5: Request page (Own SBI account)

Within SBI (Third Party)
After entering required details, user to accept Terms & Condition and click on PROCEED button.
(Following example is for schedule transaction – On select of Schedule radio button, user to input Date to
schedule the transaction for a future date.)
Figure 1.2.6: Request page - Within SBI (Third party)

Other Banks – NEFT
Figure 1.2.7: Request page - Other Banks_NEFT

Other Banks – RTGS
Figure 1.2.8: Request page - Other Banks_RTGS

Other Banks – IMPS-IFSC
Figure 1.2.9: Request page - Other Banks_IMPS_IFSC

Other Banks – IMPS-MMID
Figure 1.2.70: Request page - Other Banks_IMPS_MMID

Action4: Preview page: Verify Transaction details
On click of PROCEED button
• If the transaction details are validated successfully system displays Preview page with details pre-
populated
• If validation is unsuccessful in the Request page system will display error message, for reasons
such as:
o Mandatory fields not entered
o Total transfer amount is less than the available balance in the debit account selected
o Transfer amount is exceeding the transaction limits
o For the current transactions (audit enabled by Regulator) audit limit has been breached
for the following scenarios, system will not allow the maker to proceed with the
transaction and display error message.
Configuration by Regulator Audit limit Scenario for Breach

Threshold count of e-pay 2 The current transaction is 3rd e-pay
orders order for the day
Threshold Amount 50,000 Transaction amount is more than
50,000 or cumulative Transaction
amount exceeds 50,000 for the day.
o Selected Debit account is not mapped to any Authorizer (applicable for Multiple user)
On click of EDIT button, system will redirect the user to previous page with all details pre-populated. User
can edit the details.
User to input OTP and click CONFIRM.
Figure 1.2.81: Funds Transfer– Preview page

On successful confirmation, system will display success page. This transaction will be listed in the Recent
Transaction page replacing the 20th record if the number of records is 20. (As recent transaction has a
maximum limit of 20 transactions)
On click of.
• DOWNLOAD → user will be able to download the transaction details in pdf format
• PRINT→ user will be able to print the transaction details.
• MAKE ANOTHER TRANSACTION→ system redirects the user to Payments landing page to
initiate new payment.
In the success page, system will prepopulate fields based on the selected transfer type. List of fields is
as: Date (payment date), Reference number, From account number, Beneficiary name, Type (transfer
type: RTGS/ NEFT/ IMPS(MMID)/ IMPS(IFSC)), Transfer Amount (in figure and words), To A/c (Account
number/ MMID – for MMID transfer type), Purpose (applicable only to Other Banks transfer type), Priority
(applicable only to Other Bank – RTGS transfer type), Schedule date (applicable to scheduled
transactions), Bank charges, Remarks.
Status will be displayed as:
• Sent to Authorizer or
• Sent to Approver (If Approver role is enabled for the corporate)
Figure 1.2.92: Funds Transfer – Success page

PDF format of the success page.
Figure 1.2.103: Funds Transfer – Downloaded pdf

Mark as Favorite
On click of Mark as favorite icon→ system marks the particular transaction as favorite and displays
success message.
Maximum of 20 Transaction can be marked as Favorite. If user tries to mark 21st transaction as favorite,
system will prompt the user’s confirmation to delete the previous transaction from the list of favorite
transaction and add the 21st transaction as last favorite transaction.
Figure 1.2.14: Funds Transfer - Success page (Mark as Favorite)

Action6: Failure page
On click of CONFIRM button in the Preview page if the request is not processed, system will display
failure page
On click of RE-INITIATE button, system will redirect the user to the respective transaction’s request page
with all details pre-populated and editable.
Figure 1.2.15: Funds Transfer – Failure page

Action7: Re-initiate Favorite & Recent transaction
In the Payments landing page, system displays the successful transactions in Card view which are
marked as favorite by the user and the recent transaction initiated by the user.
To Re-initiate any Favorite or Recent transaction from the landing page→ click on any of the card in the
Favorite or Recent transaction, system redirects the user to Payments request page with all the details
pre-filled for that particular transaction.
On click of View All/ Manage hyperlink, system will display list of all the Favorite transaction marked by
the user and transaction successfully initiated by the user
Figure 1.2.16: Payments – Landing page (Favorite & Recent transaction)

Favorite Transaction
On click of VIEW ALL/ MANAGE hyperlink, system displays list of transactions marked as favorite by the
user (maximum of 20 transaction).
On click of Reinitiate icon, system will redirect the user to request page with all the details pre-
populated for that particular transaction.
On click of Delete icon, system will delete the transaction record from the Favorite transaction list.
Figure 1.2.17: Payments – Favorite transaction_List view

Recent Transaction
On click of View All/ Manage hyperlink, system displays list of transactions recently initiated by the user
(maximum of 20 transaction)
On click of Reinitiate icon, system will redirect the user to request page with all the details pre-
populated for that particular transaction.
Figure 1.2.18: Payments – Recent transaction (List view)

1.3 Authorize Transaction (Authorizer / Approver)
This section of the user manual provides the necessary information for corporate users on Domestic
Payments journey at Yono Business. It details the payment authorization process by a corporate
authorizer (applicable only to Multiple User Corporates – VYAAPAR & VISTAAR)
All the transaction initiated by Maker, will be assigned to Approver’s workflow (provided Approver is
enabled by Regulator). Only when such transactions are approved by Approver, transactions will be
assigned to Authorizer for approval.
Where Approver is not enabled by Regulator, transaction initiated by Maker will be assigned to Authorizer
for approval.
All the features mentioned in this document for Authorizer are also applicable for Approver except for
Rescheduling of transaction.
The end to end process of authorizing transaction(s) are listed below:
16. On successful login to yono Business, system displays yono Business dashboard
17. Click on Payments (left Navigation)→ Authorize menu
18. System displays landing page of Authorizer
• Top 15 Form based transaction: displays the list of transactions initiated by the maker and
pending with the user for approval
• Option to toggle between
i. Top 15 Transaction (default option) and
ii. View All→ to display all the transactions pending for approval
• Select (checkbox) Transaction/s to: Approve/ Reject/ Reschedule
19. On click of
• Approve: System displays Preview page with the list of selected transaction/s to be approved.
• Reject: System displays Preview page with list of selected transaction to be rejected with
option to input reason for rejection
• Reschedule: System displays Preview page with list of selected transaction to be
rescheduled with option to input schedule date
20. Verify details in Preview page and click on CONFIRM
21. On successful confirmation, system displays the status page with status as Approved/ Rejected/
Rescheduled.
Note:
• Top 15 form based transaction/ View all page, user has the option to sort the transaction by
o Amount
o Expiry date (Default)
o Payment Date
o Most Recent
• Approve, Reject & Reschedule buttons shall remain disabled when the page is loaded
• These buttons will be enabled based on the selection of transaction (check-box)
• For all the transactions REJECT and RESCHEDULE button will be enabled
• In case of Low balance transaction, APPROVE button will be
o Enabled only when first level authorizer selects low balance transaction(s) which requires
second level authorization
o Disabled when final or the only authorizer selects low balance transaction(s) (Pay now
transactions & transactions which are scheduled on the day of approval),

• In case of multiple transaction selection with one such low balance transaction, the user will get a
message saying the selection will allow for only rejections / rescheduling, since a low balance
transaction has been selected

Action1: Authorize Payments – Funds transfer
• User to click on Payments→ Authorize menu

• For Approver, user to click on Payments menu
System displays Top 15 Form based transactions (card view).
Figure 1.3.1: Authorize - Landing page - Top 15 transactions

Top 15 Form based Transaction
Action2: Select Transaction/s
User to select the transaction/s from the Top 15 Form based transaction page/ View all page to continue
with authorization process.
On selecting the checkbox, system will enable the Approve, Reject, Reschedule buttons
APPROVE→ On click of Approve button, system will redirect to Approve transaction page
REJECT→ On click of Reject button, system will redirect to Reject transaction page
RESCHEDULE→ On click of Reschedule button, system will redirect to Reschedule transaction page
Figure 1.3.11: Payments – Select Transaction_Top 15

Figure 1.3.3: Payments – Select Transaction_ View All

Approve Transaction
On click of APPROVE button, system display the Approve transaction page with list of transaction
selected for approval.
Action 1: OTP Authentication
User to enter OTP received on the registered mobile number for confirming the transaction.
On click of BACK button, system will redirect the user to previous page
Click CONFIRM to proceed.
Figure 1.3.4: Approve Transaction (OTP Authentication)

Action 2: Transaction status page
On successful OTP authentication, system displays transaction status page
System displays status as below:
Approver- Approve
Status→ Sent to Authorizer
Single Level Authorization

Status→ Approved
Joint Level Authorization

First level Authorizer Status→ Sent to Authorizer
Final level Authorizer Status→ Approved
The below is example for First level Authorizer (Joint Level Authorization)
Figure 1.3.5: Approve transaction (Status page) - Joint Level Authorization

The below is example for Single Level Authorization/ Final level Authorizer (Joint Level Authorization)
Figure 1.3.6: Approve transaction (Status page) - Single Level Authorization

Action 3: Download / Print page
User has the option to Download or print the Transaction status page
On click of Download→ System to download the Transaction status page in pdf format
On click of Print→ System to print the Transaction status page
Figure 1.3.7: Approve transaction - Status page

Action4: Reject Transaction
On click of REJECT button, system display the Reject transaction page with list of transaction selected for
Rejection
Action 1: Input Reason for Rejection
User to input Reason for Rejection.
On click of BACK, system redirects the user to the previous page
Click on CONFIRM to continue.
Figure 1.3.8: Reject Transaction - Reason for Rejection

Action 2: Transaction Status page
On successful confirmation, system display the Transaction status page.
Approver- Reject
Status→ Rejected

Status→ Rejected

Final level Authorizer Status→ Rejected
Note: In case of Joint level authorization, if First level Authorizer rejects the transaction: the transaction
gets rejected. It is not sent to final authorizer for approval.
The below is example for First Authorizer (Joint Level Authorization)
Figure 1.3.9: Reject Transaction (Status page) - Joint Level Authorization

Figure 1.3.120: Approve transaction (Status page) - Single Level Authorization

User has the option to Download or print the Transaction status page
Figure 1.3.11: Reject transaction - Status page

Action5: Reschedule Transaction
On click of RESCHEDULE button, system display the Reschedule transaction page with list of transaction
selected for reschedule.
Action 1: Input Reschedule Date
Following is the example wherein user has selected multiple transaction to reschedule.
User to enter Reschedule date for each transaction.
On click of delete icon, system removes the particular request from the list for rescheduling. This
transaction will still be pending with the authorizer for authorization.
Input OTP and click CONFIRM to proceed.
Figure 1.3.12: Reschedule Transaction - Reschedule Date

Action 2: Transaction status page
On successful OTP authentication, system displays transaction status page

Status→ Rescheduled

Final level Authorizer Status→ Rescheduled
The below is example for First level Authorizer (Joint Level Authorization)
Figure 1.3.13: Reschedule transaction (Status page) - Joint Level Authorization

Figure 1.3.14: Reschedule transaction (Status page) - Single Level Authorization

User has the option to Download or print the Transaction status page.
Figure 1.3.15: Reschedule transaction (Status page)

Detailed View
Click Reference number hyperlink.
Figure 1.3.16: Authorize - Top 15 Form based transaction
System displays detailed view page of the particular transaction.
Figure 1.3.17: Detail View

Action1: Approve / Reject / Reschedule
Click APPROVE / REJECT / RESCHDEULE button in the detail view page. System redirects the user to
respective page
(Following is the example for APPROVE)
Figure 1.3.18: Detail View (Approve Transaction)

Action2: Input OTP/ Reason for Rejection / Reschedule date
APPROVE → User to enter OTP received on the registered mobile number for confirming the transaction.
REJECT→ User to input Reason for rejection
RESCHEDULE→ User to input Reschedule date and input OTP
Click CONFIRM to proceed.
(Following is example for APPROVE)
Figure 1.3.19: Detail View (OTP Authentication)

Action3: Transaction Status page
On successful confirmation, system displays Transaction status page.
(Following is the example for APPROVE)
Figure 1.3.130: Approve Transaction (Status page)

View all
In the landing page, if the user toggles to View all option, system displays the View All page.
All the transaction pending with the authorizer for approval will be displayed in this page for the user to
APPROVE. REJECT, or RESCHEDULE the transaction.
For APRROVE, REJECT, RESCHEDULE flow refer to section Approve Transaction, Reject Transaction,
and Reschedule transaction.
Figure 1.3.21: Authorize landing page - View All

1.4 Quick Transfer
This section of the user manual provides the necessary information for corporate users on Payments
journey at Yono Business. It details on the process to make quick payments to a new beneficiary or to a
beneficiary which is already added by the corporate user.
Quick Transfer payments is applicable to Single user (SARAL) and Multiple user (Authorizer - having
single level authorization access).
Transfer types catered are as follows:
• Within SBI (Third party)
• Other Banks (NEFT, IMPS-IFSC, IMPS-MMID)
Maximum Transaction Limit Single User Multiple User

(Admin Level)
Daily Transaction limit 1,00,000 10,00,000
Per transaction limit 25000 25000
The end to end process of making Quick Transfer are as listed below:
Single User:
9. Click on Payments menu (displayed in left panel of the dashboard)
11. Click on Quick Transfer menu
12. System displays request page of Quick Transfer
13. Select Transfer type:
Within SBI
Other Banks (NEFT/ IMPS-IFSC, IMPS-MMID)
14. Select From a/c i.e. Debit a/c from the list of accounts displayed
15. Input To a/c i.e. Credit a/c or select from the existing beneficiary list (select checkbox)
16. Input Beneficiary details, Transfer amount and remarks
17. Accept Terms & Condition
18. On click of PROCEED button, system will display the Preview page with all the details prefilled
19. Input OTP received on registered mobile number & Click on Confirm button
20. On successful confirmation, system displays
o Success page
o option to Download, Print, Make another transaction and Mark as Favorite

Multiple User (Authorizer):
For the Authorizer to do quick transfer following conditions to be fulfilled:
✓ Admin has enabled Quick Transfer and has transaction limits for the authorizer (refer Domestic
Payments Services- Configuration manual → Enable Quick Transfer)
✓ Authorizer to have single level authorization access
If above conditions are fulfilled, follow the below process to do Quick Transfer
2. Click on Payments menu (menu displayed in left panel of the dashboard) → Initiate menu
4. On Click of Quick Transfer menu, System displays request page of Quick Transfer
5. Select Transfer type:
• Within SBI
• Other Banks (NEFT/ IMPS-IFSC, IMPS-MMID)
6. Select From a/c i.e. Debit a/c from the list of accounts displayed
7. Input To a/c i.e. Credit a/c or select from the existing beneficiary list (select checkbox)
8. Input Beneficiary details
9. Input Transfer amount and remarks
10. Accept Terms & Condition
11. Click on PROCEED button, system will display the Preview page with all the details prefilled
12. Input OTP received on registered mobile number
13. Click on Confirm
14. On successful confirmation system displays
o Success page
o option to Download, Print, Make another transaction and Mark as Favorite
Note: If Quick Transfer facility is not enabled by the Admin, system will not allow the authorizer to do
Quick Transfer.

Action1: yono Business: Payments menu
• Authorizer: Payments→ Initiate
Figure 1.4.1: Payments landing page

• SARAL: Payments
Figure 1.4.14: Payments landing page

Action2: Select Quick Transfer menu
User to click on Quick Transfer menu in the Payments landing page
Figure 1.4.3: Payments – Quick Transfer menu

Action3: Request page: Input Transaction details
On click of Quick Transfer, system displays the Request page.
User can select transfer type
• Within SBI (default selected) or

• Other Banks
o NEFT (default selected) or
o IMPS
User to fill the required details:
Transfer type- Input or select for:

# Field name
applicable to New Beneficiary Existing Beneficiary
1 From a/c All Select debit account number
2 Beneficiary type Other Banks:
Select IFSC(default selected) or MMID
IMPS
3 To a/c All Input credit account click on the search from
number existing Beneficiary
checkbox and start typing
the account number to get
results through smart
search
4 Re-enter To a/c All Re-enter credit account
NA
number
5 Beneficiary name All Input beneficiary name system prepopulates the
beneficiary name (non-
editable)
6 IFS code Other Banks: Input IFS code system prepopulates the
NEFT / IMPS-IFSC IFS code (non-editable)
7 Mobile no. Other Banks: Input Mobile number system prepopulates the
IMPS-MMID Mobile number (non-
editable)
8 Re-enter Mobile Other Banks: Re-enter Mobile
NA
no. IMPS-MMID number
9 MMID Other Banks: Input MMID system prepopulates the
IMPS-MMID MMID (non-editable)
10 Transfer Amount All Input amount to be transferred
11 Bank charges Other Banks Nil
12 Purpose Other Banks Select Purpose code from the dropdown
13 GSTIN (optional) Other Banks System pre-populates GSTIN. If not available in the
system, user to input the GSTIN value
14 Remarks All Input remarks. Optional in case of Other Banks

Within SBI
After entering required details, user to accept Terms and condition and click on PROCEED button.
(The below example is for existing Beneficiary)
Figure 1.4.15: Quick Transfer – Request page_Within SBI

Other Banks – NEFT
(The below example is for new Beneficiary)
Figure 1.4.16: Quick Transfer – Request page_Other Banks_NEFT

Other Banks – IMPS-IFSC
Figure 1.4.17: Quick Transfer – Request page_Other Banks_IMPS_IFSC

Other Banks – IMPS-MMID
Figure 1.4.18: Quick Transfer – Request page_Other Banks_IMPS_MMID

Action4: Preview page: Verify Transaction details
On click of PROCEED button, system displays Preview page with details pre-populated.
On click of EDIT button, system will redirect the user to previous page with all details pre-populated. User
can edit the details.
User to input OTP and click CONFIRM.
Figure 1.4.19: Quick Transfer – Preview page

On successful confirmation, system will display success page
Figure 1.4.20: Quick Transfer – Success page

Download / Print / Make another Transaction
On click of.
• DOWNLOAD → user will be able to download the transaction details

• PRINT→ user will be able to print the transaction details.
• MAKE ANOTHER TRANSACTION→ system redirects the user to Payments landing page.
Figure 1.4.21: Quick Transfer – Success page_Download_Print_Make another Transaction

Figure 1.4.22: Quick Transfer – Downloaded pdf

Mark as Favorite
On click of Mark as favorite icon→ system marks the particular transaction as favorite and displays
success message.
Maximum of 20 Transaction can be marked as Favorite. If user tries to mark 21st transaction as favorite,
system will prompt the user’s confirmation to delete the previous transaction from the list of favorite
transaction and add the 21st transaction as Favorite.
Figure 1.4.23: Quick Transfer – Success page_Mark as Favorite

Action6: Failure page
On click of CONFIRM button in the Preview page if the request is not processed, system will display
failure page
On click of RE-INITIATE button, system will redirect the user to the respective transaction’s request page
with all details pre-populated and editable.
Figure 1.4.24: Quick Transfer – Failure page

Action7: Re-initiate Favorite & Recent transaction
In the Payments landing page, system displays the successful transactions in Card view which are
marked as favorite by the user and the recent transaction initiated by the user.
To Re-initiate any favorite transaction from the landing page→ on click of any card in the Favorite
transaction, system redirects the user to Payments request page with all the details pre-filled for that
particular transaction.
Figure 1.4.25: Payments – Landing page – Favorite transaction

Recent Transaction
In the Payments landing page, system displays the successful transaction recently initiated by the user.
(Card view)
Figure 1.4.26: Payments – Landing page – Recent transaction

Action9: View All/ Manage – Favorite/ Recent Transaction
In the landing page, on click of View All/ Manage hyperlink, system will display list of all the Favorite
transaction marked by the user and transaction successfully initiated by the user
Figure 1.4.27: Payments – Landing page

On click of VIEW ALL/ MANAGE hyperlink, system displays list of transactions marked as favorite by the
user (maximum of 20 transaction).
On click of icon, system will redirect the user to request page with all the details pre-populated for that
On click of icon, system will delete the transaction record from the Favorite transaction list.
Figure 1.4.28: Payments – Favorite transaction_List view

Recent Transaction
On click of View All/ Manage hyperlink, system displays list of transactions recently initiated by the user
(maximum of 20 transaction)
On click of icon, system will redirect the user to request page with all the details pre-populated for that
Figure 1.4.29: Payments – Recent transaction_List view

1.5 Customer Complaints
Executive Phone numbers for CINB/YB, Bank has enhanced the Help Desk Services at our
Complaint Management Department, GITC, Navi Mumbai. The new phone numbers of the
CINB/YB Help Desk Teams have been published on our Yono Business pre-log page, which are
as follows:
Phone Nos. 022-2566067 and 022-27579841
(Hunting line facility for use by corporate customer only
For Complaints,
a) Customer can Raise a Ticket through pre-login or post login page
b) Customer can contact through email to the following:
• inb.cinb@sbi.co.in

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yono Business – User Manual

Domestic Payments – Funds Transfer and Quick Transfer

Issued Date: 06/01/2023

Digital Transformation & e-Commerce

Turbhe, Navi Mumbai

1.1 Payment Services Configuration

Figure 1.2.1: Payments landing page- Maker………………………………………………………..……………………………….25

Figure 1.2.2: Payments landing page – SARAL................................................................................................. 26

Figure 1.3.1: Authorize - Landing page - Top 15 transactions ............................................................................. 46

Figure 1.4.1: Payments landing page ............................................................................................................... 68

The end to end process of payment services configuration are as below:

User Manual - yono Business Page | 7

On successfully login to yono Business, system displays yono Business dashboard.

User to click Setting (gear icon)→ Profile menu

Figure 1.1.1: yono Business Dashboard – Profile menu

User Manual - yono Business Page | 8

User to input Profile Password and click on SUBMIT.

Figure 1.1.2: yono Business- Profile password authentication

User Manual - yono Business Page | 9

On click of Payments Services tab, system displays Payment Services page.

Click on Enable Authentication, system navigates to Enable OTP page.

Figure 1.1.3: Profile menu – Payment Services

User Manual - yono Business Page | 10

Action1: Enable Authentication

Figure 1.1.4: Payment Services - Enable Authentication

User Manual - yono Business Page | 11

Action1: Enable Quick Transfer

• Yes→ Enable Quick Transfer

Figure 1.1.5: Payment Services - Enable Quick Transfer

User Manual - yono Business Page | 12

On click of Yes, system displays the option to

• Input Daily Transaction Limit (maximum amount of rupees Ten lakhs)

Figure 1.1.6: Enable Quick Transfer page

User Manual - yono Business Page | 13

Figure 1.1.7: Enable Quick Transfer - Input Daily Transaction limit

Note: Daily transaction limit is set at Admin level

User Manual - yono Business Page | 14

User Manual - yono Business Page | 15

Figure 1.1.9: Enable Quick Transfer - Preview page

• On click of delete icon, system prompts the user to confirm deletion

User Manual - yono Business Page | 16

User Manual - yono Business Page | 17

Figure 1.1.12: Enable Quick Transfer - Preview page - Confirm

User Manual - yono Business Page | 18

Figure 1.1.13: Enable Quick Transfer – Success page

User Manual - yono Business Page | 19

Figure 1.1.24: Enable Quick Transfer page – Added Authorizer table

User Manual - yono Business Page | 20

Figure 1.1.35: Enable Quick Transfer – Delete Added authorizer

• System prompts for confirmation, Click Yes.

Figure 1.1.46: Enable Quick Transfer – Delete Added authorizer - Confirm

User Manual - yono Business Page | 21

Figure 1.1.57: Enable Quick Transfer – Delete Added authorizer - success

User Manual - yono Business Page | 22

• Click on No to disable Quick Transfer.

Figure 1.1.68: Disable Quick Transfer

• System prompts for Confirmation. Click on Yes.

Figure 1.1.20: Disable Quick Transfer - Success

User Manual - yono Business Page | 23