As an account holder at Oriental Bank of Commerce, accessing your online banking account is quick and easy. With 24/7 access to your account information, you can check your account balance, transfer funds, pay bills, and much more through the official website of OBC i.e. www.obcindia.co.in. In this guide, we will provide you with complete information on how to login to OBC’s online banking portal.
## Overview of Oriental Bank of Commerce ##
Before we proceed, let us first learn a little about Oriental Bank of Commerce. Founded in 1943, OBC is an Indian public sector bank whose headquarters are located in New Delhi. The bank offers a wide range of financial products and services, including personal banking, corporate banking, NRI banking, and much more.
## Pre-requisites for Online Banking ##
Before we move on to our main topic, let’s talk about what you need to have in order to access the OBC online banking portal. Firstly, you need to be an account holder at OBC and must have registered for the online banking facility. Secondly, you need to have a stable internet connection and a device like a smartphone, laptop, or desktop. Lastly, you need to have your login credentials, which include your user ID and password.
## How to Access the OBC Online Banking Portal ##
Here is a step-by-step guide on how to log in to your OBC online banking account:
### Step 1: Visit the OBC homepage ###
The first step to accessing your online banking account is to visit the OBC website. You can do this by typing the OBC website URL, i.e., www.obcindia.co.in, in your browser’s address bar. Once the homepage loads, look for the “Internet Banking” option on the top of the page.
### Step 2: Click on “Personal Banking” ###
In the Internet Banking section, you will see two options, i.e., “Personal Banking” and “Corporate Banking.” As you are an individual account holder, you need to click on the “Personal Banking” option.
### Step 3: Click on “Continue to Login” ###
Next, you will be asked to select the type of personal banking account you hold. Click on the option that best describes your account type and then click on “Continue to Login” to proceed.
### Step 4: Enter your User ID and Password ###
After clicking on “Continue to Login,” you will be redirected to the login page. Here, you need to enter your user ID and password in the designated fields. Enter the same login credentials that you used while registering for online banking.
### Step 5: Login and Access your Account ###
Once you have entered your login credentials, click on the “Login” button. If your login credentials are correct, you will be logged into your OBC online banking account dashboard, where you can access and manage your account.
## What to Do if You Forget Your Login Credentials ##
In case you forget your OBC online banking login credentials, you can easily retrieve them. Here is how you can retrieve your user ID and password:
### To Retrieve Your User ID ###
1. Visit the OBC homepage.
2. Click on the “Internet Banking” option and then click on “Personal Banking”.
3. On the login page, click on “Forgot User ID”.
4. You will be redirected to the User ID retrieval page. Enter the required details such as your account number, registered mobile number, and select your branch.
5. Once you have entered the details, click on “Submit”. Your User ID will be sent to your registered mobile number.
### To Retrieve Your Password ###
1. Visit the OBC homepage.
2. Click on the “Internet Banking” option and then click on “Personal Banking”.
3. On the login page, click on “Forgot Password”.
4. You will be redirected to the Password retrieval page. Enter the required details such as your User ID, registered mobile number, and account number.
5. Once you have entered the details, click on “Submit”. You will receive an OTP on your registered mobile number, which you need to enter on the next screen.
6. Once you enter the OTP, you will be asked to set a new password. Follow the instructions and create a new password.
## Safety and Security Measures ##
It is essential to keep your online banking account safe and secure to prevent fraudulent and unauthorized transactions. Here are a few safety and security measures that you should keep in mind while accessing your OBC online banking account:
### Use Strong Passwords ###
Always use strong passwords that are difficult to guess and include a combination of letters, numbers, and special characters.
### Do not Share your Credentials ###
Never share your online banking login credentials with anyone, including family members, friends, or bank employees.
### Logout After Use ###
Always log out of your online banking account after use to prevent unauthorized access.
### Use Verified Websites ###
Ensure that you are accessing the official website of OBC, i.e., www.obcindia.co.in, to prevent phishing and fraudulent activities.
### Keep your Devices Updated ###
Keep your devices updated with the latest security patches and antivirus software to prevent malware and other security breaches.
## Conclusion ##
OBC online banking is a convenient and secure way to manage your finances. With this comprehensive guide, you can easily log in to your online banking account anytime and from anywhere. By following the safety and security measures outlined in this guide, you can ensure that your online banking experience is safe and secure.
