| AU Small Finance Bank BillPay — Bharat Connect | AU 0101 App, AU 0101 NetBanking/website and AU branches. Digital service is 24×7; branch BillPay follows branch banking hours. Existing current/savings-account customers can set standing instructions after bill payment, choosing a maximum amount and date range and confirming with mPIN. AU also supports separate credit-card AutoPay controls. No universal bankwide BillPay amount ceiling is stated on the reviewed current Bharat Connect page. Customer-selected AutoPay maximum plus biller/account/card/payment-method limits remain controlling. | Currently no charges for BillPay (Bharat Connect) on AU 0101 Mobile & Internet Banking; the bank says this may change in accordance with Bharat Connect rules/guidelines. Successful payment produces immediate SMS confirmation; transaction status is available from Bill Payment transaction history in AU 0101 App/NetBanking. Failed or incomplete transaction amount is returned through the same payment mode within 2–3 working days according to AU's current FAQ. |
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| Axis Bank Bill Pay & BBPS | open by Axis Bank mobile app and Axis Internet Banking expose Bill Pay/Recharge journeys; current Axis material also supports management of billers/standing instructions in the digital channels. open advertises AutoPay. Axis customer material also exposes Pay Now/Pay My Dues/Auto Pay for Axis credit-card bills and digital deletion/management of standing instructions; biller-specific setup can still be required. No current universal customer Bill Pay/BBPS amount ceiling was found in the reviewed Axis customer evidence. Funding-instrument, biller and mandate limits remain controlling. | No universal retail Bill Pay/BBPS convenience-fee statement is inferred from the reviewed pages; check the live biller/payment screen and account/card tariff. Axis digital channels provide transaction/service records; the reviewed source set does not support one universal BBPS receipt-retention/history period, so none is invented. No single current Axis retail BBPS failed-payment refund SLA is inferred from the reviewed evidence. Check transaction status and raise a bank/BBPS complaint for unresolved debits. |
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| Bank of Baroda bob World & Bharat Connect Bill Payments | Bharat Connect network access plus bob World mobile Quick Bill Payment/Registered Bill Payment; Bank of Baroda Internet Banking also exposes Utility Bill Payment in its current enhanced BBPS journey. Registered Bill Payment automatically fetches the bill each month; the bank's enhanced Internet Banking BBPS notices also reference existing AutoPay registrations. v1.40 keeps bill fetching, AutoPay and recharge as separate states rather than calling every registered biller an AutoPay mandate. bob World Quick/Registered Bill Pay/Scan/Tonetag: minimum ₹5, maximum ₹25,000/transaction, ₹50,000/day, ₹1 lakh/week, ₹2.5 lakh/month and 20/day. BOB credit-card payments have a separate table and are not merged. | No one universal retail Bharat Connect/bob World convenience fee is claimed from the reviewed sources; live channel/tariff controls remain applicable. Bharat Connect provides instant confirmation. Registered billers fetch bill amounts automatically; bob World keeps transactional records for authenticated requests. bob World FAQ states failed recharge and failed bill-payment amounts are refunded to the account on T+5 working days from transaction date. |
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| Canara Bank Bharat Connect / BBPS Bill Payments | Canara ai1 Mobile Banking, Net Banking and the bank-listed BBPS web URL are the current customer channels in the reviewed FAQ. The reviewed Canara customer FAQ establishes BBPS bill payment/history/confirmation but does not publish one universal AutoPay setup/limit for all billers. Recurring mandate rules remain separately evidence-gated at bank/channel level. No universal amount ceiling is stated in the reviewed Canara BBPS customer FAQ; biller/channel/payment-method restrictions remain controlling. | Nil customer transaction charges through Canara Bank BBPS according to the current customer FAQ. Receipt is displayed after completion, instant SMS confirmation is provided, and receipts for earlier paid bills can be downloaded from Transactions history. The reviewed Canara customer FAQ does not provide one universal failed-payment refund SLA; check status/receipt first and use Canara/BBPS support for unresolved debit or biller-posting issues. |
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| Federal Bank FedMobile BBPS Bill Payments | FedMobile Bill Payment under Services, with Registered Billers, Bill History, generated invoices/receipts and in-app support; supported users can fund through Federal account, linked UPI account, wallet or payment gateway depending on route. The reviewed FedMobile bill-payment FAQ explicitly states automatic bill payment is currently not available. This negative capability is retained rather than inferred from other mandate products. ₹2 lakh/day default for Bill Payments; customer can increase Merchant limit in app settings up to ₹5 lakh/day according to the reviewed FedMobile FAQ. | Federal states it currently does not charge for paying a bill through the app; bill-related charges imposed by the biller remain subject to the biller's terms. Payments are typically acknowledged immediately or within four hours. Successful payment generates a receipt; Bill History can regenerate and share the invoice/receipt. The reviewed detailed FAQ establishes acknowledgement/status and no-cancellation-after-success but does not publish one universal failed-debit reversal SLA for bill payment, so none is invented. |
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| HDFC Bank BillPay & SmartPay | HDFC Bank NetBanking and MobileBanking are the main BillPay channels; SmartPay registration/help is also documented through PhoneBanking and branch routes. SmartPay/standing instructions automate recurring bills, allow a customer-set payment limit per biller and can be viewed/stopped/modified. Current terms require additional authentication above ₹15,000 for general e-mandates and above ₹1 lakh for mutual fund, insurance and credit-card repayment. Category-specific fraud controls include one mobile-prepaid transaction up to ₹1,000 in the first 24h then up to 3/day totaling ₹3,000; DTH allows one up to ₹2,000 in the first 24h then up to 3/day totaling ₹12,500. These are not universal bill-payment limits. | HDFC Bank currently says BillPay is free and SmartPay has zero transaction fee/service fee. Successful BillPay creates a reference number and appears in the account statement; HDFC NetBanking also exposes bill-payment history, biller management and scheduled-payment controls. The reviewed current BillPay material does not publish one universal refund TAT for every biller/category. Status/reference evidence should be checked before retrying and biller-specific exceptions remain possible. |
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| ICICI Bank Bill Payments & Bharat Connect | ICICI Bank Internet Banking and iMobile app; current pages expose biller search, fetch/register, payment and receipt journeys in both. AutoPay can be enabled for registered billers and executes three days before due date per FAQ. Additional authentication applies above ₹15,000 generally and above ₹1 lakh for credit-card bills, insurance and mutual funds; inactive AutoPay registrations can be suspended after six consecutive months without successful payment. No single all-biller amount ceiling is published in the reviewed customer page; biller/payment method and e-mandate authentication thresholds remain separate controls. | ICICI Bank states zero convenience fee for bill payments and mobile/DTH recharges through its platforms. Final screen shows success/failure, successful payment triggers SMS, receipts can be downloaded, and the current main page exposes 15-day bill-payment history while the upgraded iMobile experience advertises broader bill history/status views. Net Banking FAQ says if a transaction is still 'in process' wait 4–6 hours; if failed, the amount is reversed within 7 days. A successfully completed bill payment itself cannot simply be refunded through BillPay. |
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| IDFC FIRST Bank Bill Payments & Recharge | IDFC FIRST Bank Net Banking and Mobile Banking support Pay, biller registration, AutoPay, recharge and one-time QuickPay flows. Presentment billers can use AutoPay with a customer-defined maximum; if the bill exceeds that cap, IDFC FIRST says the customer is notified. Payment-only billers can support scheduled recurring amounts/frequencies, while QuickPay remains one-time. No universal BillPay amount ceiling is published on the reviewed current customer page. Presentment-biller AutoPay maximums and payment-only schedules remain customer/biller specific. | No universal current BillPay service fee is claimed from the reviewed customer page; applicable tariff/payment-route terms remain controlling. IDFC FIRST advertises reminders, bill-receipt notifications, payment-success/failure notifications and biller-complication intimations, providing explicit status feedback around the bill-payment journey. No single general BillPay reversal SLA is published on the reviewed customer page. A separately reviewed cardmember agreement says rejected card-funded utility payments are credited back to the card account, but that card-specific rule is not generalized to every funding method. |
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| IndusInd Bank Bill Payments & BBPS | IndusInd mobile banking/INDIE and IndusNet bill-payment flows; current app material exposes billers, previous transactions, due bills, AutoPay and complaint raise/check. Supported billers can use AutoPay. Current INDIE offers preset maximum bands up to ₹5,000, ₹25,000 or ₹1 lakh, some billers allow a custom maximum, and execution is three days before due date; the instruction can be managed under My Billers. Current microsite terms allow customer-set financial transaction limits up to ₹10 lakh/day across services including bill pay, with mobile/DTH recharge capped at ₹5,000/day. An older/current parallel terms page still says ₹2 lakh overall; the engine stores the conflict instead of flattening it. | No extra charge for the mobile-banking facility is stated in current IndusMobile FAQ; transaction-specific biller/processing charges may still apply and are not generalized. Bank confirmation is immediate/SMS-based; current app features include previous transactions, due bills and complaint status. Biller-side posting can take about three working days. Current IndusMobile terms state that when a payment is rejected, re-credit of proceeds is processed within five working days. Recharge-specific FAQ separately says 2–3 working days for failed recharge reversal; the two are not conflated. |
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| Kotak BillPay & Bharat Connect | Kotak Mobile Banking and Net Banking expose BillPay/Recharge, Add/Manage Biller, View/Pay Bills, Quick Recharge and complaint/history controls. AutoPay can be set during or after biller registration, modified later, and scheduled by supported amount/frequency/date rules. Kotak says AutoPay bills are scheduled at least four working days before due date and can be stopped before execution. No universal bankwide BillPay amount limit is stated on the reviewed current FAQ. For payment-only billers, supported ad-hoc amounts and any AutoPay cap remain biller/payment-method specific. | Kotak states customers are not charged any fee for using BillPay. This is kept scoped to the BillPay service rather than presented as proof that every biller/card/gateway cost is zero. Successful payments generate a confirmation email; successful payments appear in Bill History/Payment History, with current FAQ stating prior transactions up to 365 days are available. The reviewed current BillPay FAQ gives posting guidance of about 3–4 working days and states completed payments cannot be cancelled. It does not publish one universal failed-debit reversal SLA, so none is invented. |
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| SBI Unipay — Bill Payments & Bharat Connect | YONO, YONO Lite, OnlineSBI Retail Internet Banking, YONO Business, SBI Unipay pre-login customer portal and BC/CSP assisted channels are listed as customer access routes. Direct-debit/recurring capability is part of the payment-mode framework, but the reviewed SBI customer page does not publish one universal AutoPay cap. RBI e-mandate authentication thresholds remain a separate system rule. No current universal SBI Unipay customer amount limit is published on the reviewed service page; biller, channel and funding-instrument restrictions remain controlling. | SBI's current service-charge schedule states Nil customer charges for bill payments through Unipay-integrated RINB, YONO, YONO Lite and the Unipay customer portal. SBI Unipay promises instant confirmation via SMS/e-mail/printout. The reviewed service page does not support one universal history-retention period, so none is invented. No single current general SBI Unipay failed-payment refund SLA was found on the reviewed customer service page; customers should check transaction status and use SBI/BBPS support rather than repeat an uncertain debit. |
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| YES BANK Online Bill Payments | YES ONLINE Internet Banking provides Bill Payments, Add Biller, one-time payment where supported, registered-biller View & Pay, AutoPay, payment history, scheduled payments, pending transactions and BBPS query-management controls in the bank's published guide. Registered billers can be given an AutoPay instruction, authenticated with OTP. YES BANK states AutoPay is debited four days before the due date; View & Pay remains manual for customers who prefer alerts before authorizing. No current universal BillPay amount ceiling is published on the reviewed customer page. Biller, AutoPay, funding-instrument and account/card limits remain controlling. | No universal current YES ONLINE BillPay service charge is stated on the reviewed page; applicable bank/biller/payment-instrument terms remain controlling. YES ONLINE exposes Payment History, Scheduled Payments and Pending Transactions in the bank's published guide, while View & Pay provides SMS/email outstanding-bill alerts. No general failed-payment refund SLA is published on the reviewed current page. Pending/status/query controls should be checked before retrying, then escalated if unresolved. |
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