Bharat Co-operative Bank Online Banking: Login Guide

Where to Begin Digital Banking in Bharat Bank

The online banking at Bharat Co-op Bank begins with the registration of the application form. The form is not optional; if you want to activate your net banking or mobile banking, you first need to fill out an activation form after opening an account with the bank to access digital features.

If you hold savings, a current account and an active deposit scheme, this form can allow you to control your accounts digitally. A single application form covers multiple account holders, which is useful for those managing joint accounts.

Which Features Can You Use After Bharat Netbanking Activation

After login, you can access multiple features online, such as –

• Fund transfer via NEFT and RTGS (also IMPS will continue)
• Cheque-related services like cheque book requests, stop cheque payment, or blocking debit card
• Opening fixed deposits directly online
• Account monitoring with real-time balance and transaction details
• Account statements are generated instantly in PDF or XLS format
• Control debit cards and active loans.
• Counterparty approvals where new payees are verified via SMS and approved by the bank on the next working day

How to Activate Bharat Bank Internet Banking Without Visiting Your Branch

Usually, Bharat Bank allows two ways of activation: directly visiting your home branch and sending an email and activating online. If you don’t want to step into the branch, you can still activate Netbanking by downloading the registration form. Here are the steps to follow –

1. Firstly, visit the official website of Bharat Bank, scroll down to the footer and open the quick links.
2. Go to the Downloads section and select the “Netbanking Application Form” under the additional forms section.
3. Take a printout or fill out digitally using PDF editors, fill in basic information, and send it by email to ebank@bharatbank.co.in.
4. You will get a token-generated email within 24 hours.
5. The bank will verify the request, and once approved, your User ID and temporary password will be sent to the provided mobile number and email ID.

Note: if within 7 working days no email you received about the netbanking application, please visit your home branch and submit this form to the staff.

How Much Time Does It Take to Activate Net Banking

It depends on where you submit your application form, if you submit to your branch, it takes 1 or 2 working days to activate and receive your login username and password. However, if you submit via email, it may take upto 7 working days to process.

1. You can track your request by calling at 022-6189 0061 from your registered phone only.
2. if no response, then change the last digit to 61 to 62 / 63, then call again.

Who Provides Your Bharat Bank User ID and other details

The entire process is handled by Bharat Bank itself, not by any vendor or outsourced agency.

• User ID → Sent to your registered email ID and mobile phone via SMS.
• Temporary Password → Sent via SMS or Email to your registered mobile number.
• Activation Responsibility → The IT division of Bharat Bank handles this once your form is verified.

How to Fill the Application Form Correctly

The form is short but requires precision. Even a missing detail can cause delays or may result in rejection. As per the official site of Bharat Bank, the newly opened account holders need to go through this process, so study carefully.

Key fields to fill in:

• Branch name and date
• Customer ID or Account number
• Full name as per bank records
• Signature (must match the bank’s specimen signature)
• Details of all account holders (for joint accounts)
• Tick boxes for required services:
  • Fund transfer (NEFT/RTGS)
  • Stop cheque payment
  • Debit card usage on websites
  • Chequebook request facility

Important tip: Always write your email ID in capital letters to avoid a mismatch during User ID creation.

How to Log in for the First Time at Bharat Bank – Step by Step

After receiving your User ID and temporary password, you can directly log in without needing any online registration:

1. Open the official Bharat Bank Net Banking login page.
2. Enter the User ID received in your email.
3. Type the temporary password received on your mobile.
4. Complete the captcha shown on screen.
5. Select where to start after login, such as the dashboard, and tap on the login button.
6. After entering details, it asks you to change your password immediately and set a strong and memorable password.
7. Choose and answer four security questions.
8. Confirm changes and access the dashboard for use.

What Documents Are Needed

For most customers, the Net Banking form alone is enough, provided all KYC is already in place.

Cases where documents may be needed:

• Mobile number not registered → Provide Aadhaar copy
• Email ID change → PAN or Aadhaar as proof
• Signature mismatch → Self-attested ID proof
• Joint account → ID proof of all joint holders may be required

Having your Aadhaar, PAN, and account passbook copy ready is a safe practice to avoid repeat visits.

What Happens If You Forget your Password?

In case you don’t get any temporary password or the bank only assigns you a User ID, follow these steps to get your password –

1. Go to the login page and click the “forget login password” button just below the login box.
2. Set the mode to an online recovery and set a new password.
3. Enter your received user ID and your verification captcha.
4. Now, provide the OTP delivered to your email or phone as a text SMS.
5. Answer the four security questions set during the first login. (if asked)
6. Create a new easy-to-remember but strong password and log in again.

How Bharat Bank Mobile Banking Connects with Net Banking

Although Net Banking and Mobile Banking are separate, both can be activated together.

• Mobile Banking requires its own application form.
• It allows balance enquiry, mini statements, and small transfers directly through a smartphone.
• Customers often use both together for convenience.

Bonus Tip: The mobile banking registration form is also available in the downloads section of Bharat Bank’s official website. You can ask it from the branch directly. If you are using first time mobile banking, then select the Single User Mobile Banking Application Form.

How to Register on Bharat Nexa Mobile App

After filling out the application form, submit the form at your branch or email a scanned copy to mbank@bharatbank.co.in. Then follow these steps –

1. Download the Bharat Nexa app; you can find it on the Apple App Store and the Play Store. It is just a 50 MB App.
2. Tap on “Register” on the home screen.
3. Enter your Customer ID and mobile number.
4. Here, you have to verify via the OTP received on the registered mobile.
5. Provide either:
   • Last 5 digits of Debit Card OR
   • PAN Card number
6. Set a 4-digit MPIN (for login) and TPIN (for money transfer).
7. Log in again using your newly set MPIN or fingerprint.

Where to Find Customer ID for Bharat Bank Digital Services

You cannot complete your digital access on NetBanking or mobile banking without your account Customer ID. Here’s where to look:

• Passbook – printed on the first page
• Cheque book – usually on the inside cover
• Account statement – top section
• Branch helpdesk – if not found in documents, visit your branch, ask for an update to your passbook and print your customer ID also.

Keep this ID safe and do not share it with anyone, as both NetBanking and the mobile app require it during registration.

Account Holders Online Banking Issues