Online Banking – Urban Woman Co-operative Credit Society

Online Banking > Mobile banking

IMPS is a new service that is set to revolutionise the retail money payment sector in India. We take the pride to announce that GS Mahanagar Co-op. Bank Ltd., has already joined the revolution since 01st Jan., 2016 . All the registered Customers will now be able to receive/pay money instantly via IMPS

The following key features are available on mobile banking (IMPS).

Instant Interbank fund transfer
Convenient and time saving
Anytime, anywhere service
Safe & Secure
Simple and easy to use
24*7*365 availability
Instant confirmation to Sender and Receiver

To use IMPS, you need a Mobile Money Identifier (MMID). Follow these steps:

For smooth and secure IMPS transactions, customers should follow these guidelines:

Enter correct mobile number and MMID details
Keep MPIN and login credentials confidential
Do not share banking information with anyone
Verify transaction details before confirming
Use a secure network while making transactions

Receiving funds through IMPS is fast and simple. Here’s how:

Customers can refer to the FAQs for better understanding of IMPS:

IMPS services are governed by rules and regulations to ensure security and compliance:

If you face any issues with IMPS, the following procedure applies:

Online Banking > Internet banking

GS Mahanagar Co-op. Bank Ltd provides Net Banking Facility. Once registering for our Net Banking services customers shall Check Various Account Transaction & Details like.

The following Facility are available on internet banking

The following benefits are available to customers using internet banking:

The following guidelines help customers use internet banking safely and effectively:

Keep login credentials and passwords confidential
Always use secure internet connections
Verify account details before initiating transactions
Regularly update passwords for security
Contact bank immediately in case of suspicious activity

Online Banking > UPI ( Unified Payments Interface )

Unified Payments Interface (UPI) is a system that powers multiple bank accounts into a single mobile application (of any participating bank), merging several banking features, seamless fund routing & merchant payments into one hood. It also caters to the “Peer to Peer” collect request which can be scheduled and paid as per requirement and convenience.

How is it unique?

Immediate money transfer through mobile device round the clock 24*7 and 365 days.
Single mobile application for accessing different bank accounts.
Single Click 2 Factor Authentication – Aligned with the Regulatory guidelines, yet provides for a very strong feature of seamless single click payment.
Virtual address of the customer for Pull & Push provides for incremental security with the customer not required to enter the details such as Card no, Account number; IFSC etc.
QR Code
Best answer to Cash on Delivery hassle, running to an ATM or rendering exact amount.
Merchant Payment with Single Application or In-App Payments.
Utility Bill Payments, Over the Counter Payments, QR Code (Scan and Pay) based payments.
Donations, Collections, Disbursements Scalable.
Raising Complaint from Mobile App directly.

The following participants are part of the UPI ecosystem:

Banks offering UPI enabled accounts for customers
Payment service providers supporting UPI transactions
Merchants accepting payments through UPI
Individuals using UPI for sending or receiving funds
Financial institutions and regulatory bodies overseeing transactions

The following steps help customers register in a UPI enabled application:

Download UPI app from official app store
Link bank account(s) with the application
Set a secure MPIN for authentication
Verify mobile number registered with the bank
Start sending and receiving money immediately

The following steps help customers lodge UPI complaints effectively:

Contact your bank’s customer care for UPI issues
Provide transaction reference number and date
Mention amount and beneficiary details
Follow up through UPI app grievance system
Bank resolves complaints within prescribed timeline

Online Banking > Rupay Debit Card

The following facilities are available at MCBL ATMs pertaining to the RuPay Debit Card Account which shall be offered at the sole discretion of the Bank at ATMs subject to change from time to time without prior notice.

Withdrawal of cash by the Card holder from his Debit Card account up to a stipulated number of occasions and limit during the cycle of 24 hours, as may be prescribed by the Bank from time to time.
Enquiry about the balance in the Debit Card account.
Printing of Mini Statement of Account.
Change of PIN.
Card to Card Funds Transfer.
Cheque Book Request
Mobile Number Updation.
Cash Deposit

The following additional facilities are available for RuPay Debit Cardholders at the sole discretion of the Bank and may be updated from time to time without prior notice:

Instant issuance of add-on cards for family members
Contactless payment facility through NFC-enabled cards
Integration with mobile wallets and UPI applications
Alerts and notifications for transactions and limits
Access to loyalty programs and reward points

Cardholders can use RuPay Debit Cards at ATMs for various services, subject to Bank guidelines:

Bank provides round-the-clock assistance to cardholders:

Dedicated helpline for reporting issues or queries
Assistance for lost/stolen cards
Guidance for PIN reset and card activation
Information on transaction disputes or complaints
Support for merchant and POS queries

PIN is a secure 4/6-digit number used for card authentication:

Cardholders can block the card instantly in case of emergencies:

The RuPay Debit Card is issued with a validity period printed on the card in the format MM/YY.

The card is valid until the last day of the month indicated on the card.
Customers should request a replacement card from the Bank before the expiry date to ensure uninterrupted usage.
Expired cards cannot be used at ATMs, POS terminals, or for online transactions.
The Bank may automatically issue a new card before expiry, which can be activated as per instructions.

The RuPay Debit Card can be used for payments at merchant establishments:

The Bank’s responsibility is limited under the following circumstances:

Cardholders can access records and statements conveniently:

Immediate steps should be taken in case of loss:

The Bank facilitates resolution for card usage complaints:

Cardholders should follow these safety measures:

Online Banking > ATM Services

Features & Benefits

Per day limits for Rupay Debit Card

Card type	Cash Limit	POS/ECOM Limit
Rupay Debit	Upto Rs. 50000/-	Rs. 25000/- to Rs 2,00,000/-

Better Tracking

List of the Branches offering ATM Service Click here

The following facilities are available for GS Mahanagar Co-op. Bank Ltd. ATM users, subject to the discretion of the Bank and may be updated from time to time:

ATM services are available across the Bank’s ATMs and NFS network:

Cash withdrawal within prescribed daily limits
Mini statement and balance enquiry anytime
Secure card transactions at POS/E-COM enabled ATMs
Card-to-card fund transfers for convenience
Services available 24*7, including holidays

Customers can reach the Bank’s support round the clock:

Dedicated Toll-Free Number for ATM-related queries
Support for lost/stolen card reporting
Assistance with transaction disputes or complaints
Guidance for PIN reset and card activation
Real-time resolution of ATM issues

PIN ensures secure ATM usage and authentication:

Required for all ATM cash withdrawals and POS transactions
Can be changed at any ATM or through mobile banking
Must be kept confidential at all times
Helps prevent unauthorized access to account
Alerts sent for incorrect PIN attempts

Cardholders can instantly block their card via SMS in case of emergencies:

Predefined SMS to designated number blocks the card immediately
Confirmation received through SMS acknowledgment
Prevents unauthorized use of lost or stolen cards
Bank issues replacement card upon request
Follow up with branch for reactivation or new card

ATM cards are valid until the expiry date printed on the card:

Format: MM/YY on the card front
Card valid until the last day of the month indicated
Customers should request replacement before expiry
Expired cards cannot be used for transactions
Bank may automatically issue replacement card before expiry

ATM cards can be used at merchant locations and online portals:

POS terminals at retail outlets
Contactless payments where enabled
Online e-commerce transactions through debit card
Payment convenience at multiple establishments
Transaction alerts for each payment made

The Bank’s responsibility is limited in the following cases:

Unauthorized transactions due to cardholder negligence
Technical failure at ATMs or merchant terminals
Transactions exceeding daily limits
Loss or theft of card or PIN
Adherence to Bank’s guidelines for dispute resolution

Customers can track ATM transactions and account details:

Mini statements at ATM or mobile banking
Detailed statements through internet banking
Transaction alerts via SMS for instant updates
Historical records available for reference
Assistance from branch for discrepancy resolution

In case of lost or stolen ATM card:

Report immediately via customer care or SMS
Card blocked instantly to prevent unauthorized use
Request replacement card from branch or online
Monitor account for unusual transactions
Bank provides guidance for secure reissuance

For any POS or online transaction issues:

Lodge complaint through branch, customer care, or app
Provide transaction reference, date, and amount
Follow up for timely resolution
Bank investigates and resolves as per guidelines
Feedback system available for customer satisfaction

Follow these precautions to secure your ATM transactions:

Online Banking > SMS Banking

> Features & Benefits

> For Push Message:- Get Alerts For

> Pull

The Customers can send SMS to lock debit card.

> For Pull message following commands are available:

S.No	Keyword	Description	Example
1.	lost	Blocking Debit card	lost TO 9229223345