What is doorstep banking? The services that you can get in DSB.

What is doorstep banking? 

It’s an initiative taken by the PSB banks alliance to serve their customers at their doorstep. A number of services can be availed by the end user. Banks provide cash delivery and pick-up services through their representative. Other than cash, various non-financial transactions are also delivered. The service provider is Atyati Technologies Pvt. Ltd. 

The mobile application can be downloaded from Google Playstore.

Not all bank branches deliver the service. Only the selected branches are delivering the services and services within the range of a 5 km radius. Rural arias are yet to penetrate with the service. At present, Doorstep Banking agents are deployed in 100 major centres all over the country.

Who are eligible? 

According to the official website, the service is meant for senior citizens and for a differently able person. But as of now, we have seen that all the account holders can use the facility. 

Except for minor accounts, joint accounts and non-personal where this facility is not extended to. 

The joint account holder can benefit from the service if the mode of operation of the account is ‘ Either or Survivor’ or ‘Former or Survivor’.

How to register? 

The service provider is Atyati technologies private limited. Their application ATYATI can be downloaded from Google playstore. 

Registration is very simple. Install the app, click the signup button, provide your mobile number linked to your account and create your 4-digit PIN number. 

The last 6 digits of your account number will be required, so be ready for it. Also, you might have to choose your bank at the end. 

Service charges

The bank charge a nominal fee for delivering the services. 

For non-financial transactions such as the delivery of the statement of account, TDR receipt, form 16, Form 15 H/G, demand draft, and cheque request the fee is ₹60 plus GST. 

For financial transactions, it’s ₹88 plus GST. 

Services that you can get

There is a range of services it can get delivered to you. These services are clubbed as 

Pick up requests Where bank representatives visit you to pick up your request. These are

1	Demand draft purchase
2	Pay order
3	Standing instructions on your internal accounts
4	Cheque book request

Delivery request Where bank representatives visit you to fulfil your request.

1	Delivery of term deposit receipt
2	Delivery of TDS/Form 16
3	Delivery of your pay order, demand draft
4	Delivery of account statement and Gift card you request.

Cash transactions Services of card-based and AEPS (Aadhaar Enabled Payment System) cash withdrawals

Additional services Under this you will find services for pensioners’ life certificates.

Few points to remember

1	The service is available from 9 AM to 4 PM.
2	Withdrawal has to be either ATM card or through AEPS
3	The maximum amount that can be withdrawn is ₹20000 per transaction per day.
4	There is a service charge ranging from ₹60 to ₹100 plus GST.
5	All the Public Sector Banks are undertaking in the DSB alliance.
6	You can cancel the service if the need arises. The cancellation charge will not be there if you cancel before the agent picks up the documents from you or the bank user complete the request. Else, a service charge will not get refunded.
7	You can make complaints about disputed transactions on the app. A dispute ID will be allocated to you and your case will be solved accordingly.

Worried about the Identity of the DSB agent

Do not worry. You will already have the details of the person who is going to come to visit you. The credentials of the DSB representative along with the photo will be there on the mobile application. Besides, you will get an SMS as well. The representative will be wearing the uniform dress code of DSB and the service provider Logo. And always feel free to show you the ID card.

The DSB service is a revolution in the banking sector. While its uses are not as popular as expected. Considering the type of end users, this service is useful to those people who are sedentary. You may say senior people who are not frequent to the bank due to many reasons.

It also gives good services to those people who have busy work schedules. Doorstep banking is a kind of service that complements additional service to the customer with a nominal fee. When in need it could give you a better alternative.