In today’s digital world, businesses cannot afford delays in financial transactions. Whether you are a small trader, a medium enterprise, a government organisation, or a large corporate, fast and secure banking is essential.
To meet these needs, State Bank of India (SBI) offers Corporate Internet Banking (CINB) – a powerful online banking platform designed especially for non-individual customers. It helps corporates manage accounts, transfer funds, pay taxes, make bulk payments, collect fees/donations, and much more – all from the comfort of the office.
This blog explains everything you need to know about SBI Corporate Internet Banking, its features, products, benefits, registration process, and FAQs.
What is SBI Corporate Internet Banking?
Corporate Internet Banking (CINB) is SBI’s online banking channel created for non-individual customers such as:
- Proprietorship firms
- Partnership firms
- Small & medium enterprises (SMEs)
- Large companies and conglomerates
- Trusts, NGOs, and educational institutions
- Government organisations and departments
Through CINB, corporates can:
- View accounts across branches anytime
- Transfer funds within SBI or to other banks via NEFT/RTGS
- Pay taxes (direct, indirect, state, EPF, ESI, customs, GST, etc.)
- Upload bulk files for salaries, vendor payments, or utility bills
- Collect payments (fees, donations, or dealer dues)
- Download MIS reports for easy accounting and financial planning
Visit SBI Corporate Banking Portal
Why Choose SBI Corporate Internet Banking?
SBI is India’s largest public sector bank, trusted by millions of businesses. CINB offers:
High transaction limits (up to ₹2000 crore per transaction in Vistaar)
Multiple product options for small, medium, and large businesses
Customisable user roles (Admin, Maker, Checker, Auditor, Approver, etc.)
Bulk upload facility for mass payments
Direct debit & fee collection features for institutions
Advanced security with SSL encryption and OTP validation
Types of SBI Corporate Internet Banking Products
SBI understands that every business is different. Hence, it provides 5 major CINB products:
- Saral – For small businesses & proprietors
- Vyapaar – For small & medium enterprises (multi-user)
- Vistaar – For large corporates & government organisations
- Khata – For small firms (enquiry only)
- Khata Plus – For multi-branch institutions (enquiry only)
Let’s look at each in detail.
1. SBI Saral (Single User – For Small Businesses)
SBI Saral is a single-user, easy-to-use product meant for sole proprietorships, small firms, and individual businessmen.
Features of Saral:
- Single-user login with full control
- Transaction limit: ₹5 lakhs per day
- Pay taxes, EPF/ESI contributions, and bills
- Fund transfers within SBI and to other banks via NEFT/RTGS
- Request Demand Drafts (DD)
- Apply for IPOs through ASBA
- Secure transactions with SMS OTP
Who should choose Saral?
Sole proprietors, shop owners, micro businesses, or individual traders
2. SBI Vyapaar (Multi User – For SMEs)
SBI Vyapaar is designed for small and medium businesses that require multiple users with controlled access.
Features of Vyapaar:
- Multiple users with Admin-controlled rights
- Single transaction limit: ₹50 lakhs (no daily limit on number of transactions)
- Bulk upload facility for salary, tax, and vendor payments
- MIS reports for financial monitoring
- Secure maker-checker facility for transaction approval
Who should choose Vyapaar?
Small & medium companies, startups, and partnership firms
3. SBI Vistaar (Complete Suite – For Large Corporates)
SBI Vistaar is the most advanced CINB product, meant for large corporates, institutions, and government bodies.
Features of Vistaar:
- Elaborate user hierarchy (Regulator, Admins, Users)
- Huge transaction limits – up to ₹2000 crore per transaction
- Bulk upload for salary, vendor, and tax payments
- Direct debit facility for collections (fees, donations, dealer payments)
- Integration with corporate ERP systems for end-to-end automation
- Customised MIS reports
- IPO applications, e-auctions, and currency futures trading
Who should choose Vistaar?
Large corporates, government departments, MNCs, and institutions
4. SBI Khata (Enquiry Only – Single User)
SBI Khata is a simple enquiry-only product.
Features:
- Single-user login
- Only enquiry and statement download facility
- No financial transactions allowed
Who should choose Khata?
Small firms or institutions who only need online enquiry
5. SBI Khata Plus (Enquiry Only – Multi User)
SBI Khata Plus is for organisations with multiple branches.
Features:
- Multiple users with Admin-controlled access
- View and download statements across branches
- No financial transactions allowed
Who should choose Khata Plus?
Schools, NGOs, institutions, and multi-branch businesses
SBI CINB Product Comparison
| Product | Users Allowed | Transaction Type | Limit | Best For |
| Saral | Single User | Full transactions | ₹5 lakh/day | Small businesses, proprietors |
| Vyapaar | Multi User | Full transactions | ₹50 lakh/transaction | SMEs, partnership firms |
| Vistaar | Multi User | Full suite + automation | ₹2000 crore/transaction | Large corporates, Govt. |
| Khata | Single User | Enquiry only | N/A | Small firms |
| Khata Plus | Multi User | Enquiry only | N/A | Multi-branch institutions |
Services Available on SBI Corporate Internet Banking
With CINB, corporates get access to:
- Fund Transfers: Intra-bank & interbank (RTGS/NEFT)
- Demand Drafts / Banker’s Cheques
- Utility Bill Payments
- Bulk Uploads: Salary, vendor, and tax payments
- Tax Payments: Direct (CBDT), Indirect (GST, Customs, etc.)
- Direct Debit / e-Collection
- MIS Reports
- Host-to-Host Integration with ERP systems
- DEMAT Account View
- IPO Applications via ASBA
- e-Auction Participation
How to Register for SBI Corporate Internet Banking?
- Visit SBI Corporate Banking.
- Download the registration form for your chosen product (Saral, Vyapaar, Vistaar, etc.).
- Fill in the details and attach required documents (Board Resolution, if applicable).
- Submit it at your home branch.
- The branch will provide Corporate ID and User IDs with passwords.
- Log in via Corporate Banking Login on SBI Online.
How to change Login Password, Profile Password & Transaction Password?
Is SBI Corporate Internet Banking Secure?
Yes . SBI CINB is one of the most secure banking platforms. It uses:
- 256-bit SSL encryption
- EV-SSL certificate for website authenticity
- OTP validation for critical transactions
- Role-based access control for corporate users
FAQs on SBI Corporate Internet Banking
Q1. Who can apply for SBI Corporate Internet Banking?
Any non-individual customer such as firms, companies, trusts, government organisations, institutions, and proprietors.
Q2. Is CINB available for individual savings account holders?
No. CINB is only for corporate customers. For individuals, SBI provides Retail Internet Banking.
Q3. Can one business have multiple users?
Yes. Vyapaar and Vistaar allow multiple users with Admin-controlled access.
Q4. What is the maximum transaction limit in CINB?
- Saral – ₹5 lakhs/day
- Vyapaar – ₹50 lakhs/transaction
- Vistaar – ₹2000 crores/transaction
Q5. Can CINB be linked to multiple SBI branches?
Yes. Vistaar and Khata Plus allow linking accounts across multiple branches.
Q6. Can institutions collect fees or donations using CINB?
Yes. Via State Bank Collect and Direct Debit facilities.
Q7. How is CINB different from Retail Internet Banking?
Retail Internet Banking is single-user. CINB allows multi-user roles, bulk uploads, and high-value corporate transactions.
Final Thoughts
SBI Corporate Internet Banking is a complete digital banking solution for all types of businesses. From a single-shop owner to a multinational corporate, SBI offers tailored CINB products – Saral, Vyapaar, Vistaar, Khata, and Khata Plus – to make banking smarter, faster, and safer.
If you are a business owner, approach your nearest SBI branch or visit the SBI Corporate Banking Portal to get started.