Forgot Indian Bank CIF Number? How to Retrieve It

A Real Story Most of Us Can Relate To, One of my clients, Miss Pooja, a young working woman from Indore city, recently downloaded the Indian Bank mobile app to register for mobile banking for the first time.

She followed all the steps, but suddenly got stuck on one question:

“Enter your CIF number to register?”

Pooja says, “What is that now?” She had no idea what a CIF number was.

She opened her statement, but could not find it. So, for help, she reached out to me.

If you have been in this same situation, don’t worry. The good news? You have landed on the right article.

Hi, I’m Nanne Parmar, your friendly digital banking expert.

Whether you are a new customer, a former Allahabad Bank account holder, or just lost your passbook, I will guide you step-by-step on how to find your Indian Bank CIF number.

So, let’s begin the article –

What is the CIF Number in the Indian Bank?

Before we find the number, let’s understand what it means, without technical words.

Indian Bank is one of the oldest government-owned banks in India, serving customers since 1907.

According to the Wikipedia Page of Indian Bank, the major move for growth was that Allahabad Bank merged with Indian Bank on April 1, 2020, making it the seventh-largest public sector bank in India with Revenue of ₹71,225 crore (~US$8.4 billion) in 2025 and right now the bank serving more than 100 million customer across country and NRI.

Now, with over 100 million accounts to manage, the bank must keep track of each customer’s data in an organised way and ensure easy banking. This is where CIF comes in.

CIF stands for Customer Information File. It’s also known as a customer ID, which is a unique number assigned to each customer, not each account.

Let’s say you have a savings account, a fixed deposit, and a credit card with Indian Bank — all these are tied together using your single CIF number.

So, how many digits is an Indian Bank CIF number?

Usually, the CIF number is an 11-digit number. But here’s something interesting: due to older systems or internal policy, some customers may have a shorter or longer CIF.

• Example: 92011345789

Where is the CIF ID Mostly Required?

You will need your CIF number in most situations, such as:

• Registering on the Indian Bank mobile or net banking
• Recovering a forgotten user ID or password
• Updating KYC documents
• Opening new services like fixed deposits online
• Linking multiple accounts
• Calling customer care for help

So now that you understand what a CIF is and why it’s important, let’s get to the real question: how to find it, even if you don’t have a passbook?

1. IndSMART NetBanking: Find CIF Without Passbook

This is one of the official options offered by the Indian Bank to retrieve your CIF easily. Here, you do not need to register, and it works even if you have lost your passbook. Let me clear this first, the old indian bank netbanking method does not support the “Know Your CIF” feature. You have to select the indSMART option only.

Follow the steps –

1. First, you have to visit the official website – indianbank.net.in.
2. Tap on the Internet banking option and select login via the IndSMART option.
3. On the login page, find the “Register New User” option to begin a user registration setup.
4. From the list of options, choose “Know Your CIF Number”.
5. Here, input your full Indian Bank account number and account-registered mobile number in the form.
6. Solve the captcha and tap on on “Validate” button. A 6-digit OTP will be sent to your registered mobile number.
7. Type in the OTP to verify your identity.
8. Once verified, your Full Account CIF number will be:
   • Displayed on the screen, and
   • Optionally, you can select CIF via SMS or email for future reference.

Tip for you: Only use the IndSmart option and make sure your mobile number is linked to your bank account, or this won’t work.

2. Indian Bank Mobile Banking App

In 2024, the Indian bank completely discontinued IndOASIS, their old mobile banking app, however, the bank’s official launched the IndSmart Mobile banking app in 2024-2025. It is smart and supports additional features, and is Available for Android and iOS. This app also gives the facility to find the customer ID with a click. Here are the steps to retrieve it –

1. Simply, go to the Play Store or App Store and install the Latest IndSmart App.
2. Open a New indian mobile banking app and accept the terms.
3. Tap on the register for the first-time user.
4. Select the “Forget CIF” option.
5. Enter your account number and registered mobile number.
6. Enter the 6-digit OTP you receive on your phone.
7. Your CIF will be shown on-screen. Copy or write it for future use.

Already Logged In?

If you already using the indSmart app and looking for your ID number, it’s just a few steps away –

• Open the app and log in using a 6-digit MPIN or fingerprint.
• Tap on “Account Details,” just below your bank balance option.
• Select your account number and name, and tap on View More.
• You will see your CIF labelled as “Primary CIF” or “Customer ID.”

3. Indian Bank mPassbook statement

Recently, an Indian bank also removed the standalone mPassbook app, however, the feature is still working. The feature now exists inside the IndSmart app. The mpassbook is a digital version of your account passbook, it contains your CIF. To find it out, here are the steps to follow –

1. Open IndSmart App and log in.
2. Tap on “mPassbook” just below your account balance and overview section.
3. Select your account number and select month.
4. Tap on the Download icon (usually PDF).
5. To open the PDF file, you need to enter the password. The password is your full account number.
6. Open the PDF and scroll to the top — your CIF is printed there, usually under the bank logo or customer details.

4. Check Your Bank Documents

Back to Traditional & Offline Methods, if you are struggling with digital options and technical words, don’t worry — here are offline ways to find your CIF.

• Passbook – Usually printed on the first page, near account info and a Stamp from the bank.
• Welcome Kit – If you still have the documents from when you opened your account.
• Chequebook – Sometimes printed on the first page of the chequebook slip.
• Physical Bank Statement: You can request for duplicate statement copy from the Indian Bank mobile banking app, the Bank also provide a CIF printed only physical copy.
• Credit Card Kit – If you have an Indian Bank credit card, check the welcome document or card limit paper — it often includes your credit card CIF number.

Reminder: Due to security reasons, The indian bank does not provide CIF Number in the Monthly email statements, so don’t waste time searching those PDFs.

5. Call Indian Bank Customer Care

If you lost your documents and want direct support from the bank, you can simply call them. Here are the working 24/7 helpline numbers available by Indian Bank for users.

• National Toll-Free Number: 1800 425 00 000
• Available: 24/7, but to connect with a bank executive, call 9 AM to 6 PM on working days only.

What You Will Need:

• The last few digits of your account number
• Your mother’s name
• Date of birth or PAN (for verification)

Once verified, the bank representative will tell you your CIF over the call or guide you on how to get it securely.

Visit the Nearest Indian Bank Branch

Still can’t find it? Just visit your branch.

You have to carry:

• Your PAN card or any government-issued ID
• Your account number (if you remember it)
• Any supporting documents you have

Pro Tip: If you’ve lost your passbook or the CIF isn’t printed on it, request a new passbook at the branch. They usually print the CIF on the new one automatically.

FAQs

I hope this guide made the confusing world of CIF numbers a lot simpler and helps you to find your Customer ID. Please share this article with friends or family on X, WhatsApp, and Facebook, who might be stuck at the same step.

Also, got a question or feedback? Drop it in the comments — I would love to help you!

Related Posts

• Find the Central Bank of India CIF Number
• Find the Saraswat Bank Customer ID
• Locate IDBI Bank Customer ID

For more bank customer ID recovery guides, visit our complete list here: Find List of All Indian Banks CIF Numbers

Disclaimer: Information shared here is based on publicly available sources and personal experiences. Please verify with the Indian Bank for the latest updates.