The growth in usage of cellular phones and instant messaging services enabled us to use this medium and make banking possible “Anytime and anywhere.” SMS banking will allow the customer to access various information at fingertips and banks on their end will have a personalized access to their customers in this fast growing economy, thus saving time at both ends. The fierce competition in the market and desire to grow requires keeping the customer updated thus making mobile banking an important tool for any Bank. SMS Banking is a technology-enabled service offering from banks to its customers, permitting them to operate selected Banking services over their mobile phones using SMS messaging.


SMS Banking: Push & Pull Messages

SMS Banking services are operated using both push and pull messages.


Push Messages

The Bank chooses to send out to a customer’s mobile phone, without the customer initiating a request for the information.

  • Instant Messaging
  • Term Deposit Maturity
  • Amount Debited Above the Limit
  • Service Activation Alert Message
  • Balance In Account
  • Mini A/c Statement
  • Cash Deposit
  • Cash Withdrawal
  • Transfer Deposit
  • Transfer Withdrawal
  • Clearing Deposit
  • Clearing Withdrawal
  • Cheque Book Issue
  • Loan EMI Due
  • Stop Cheque Payment
  • Active Cheque Payment
  • TD Lien Removing
  • Birthday Wishes
  • Seasonal Greetings
  • Thanks for A/c opening
  • Thanks for Loan Repayment for Overdue A/c's


Pull Messages

The customer using a mobile phone for obtaining information initiates these.
When people are hard pressed for time, the need for “Anytime Anywhere” banking gains utmost importance.  Banks provide a novel service, which gives customers their account information from the Cell Phones.   

  • Balance Enquiry
  • Mini Statement
  • Pin Change
Stellar Informatics (P) Ltd. has more than 19 years of experience in software development, with a specialization in banking and financial services.