Digital Signature Certificate (DSC)

Standard Chartered's online banking platform is easy and secure. You can therefore, access a wide range of banking services from anywhere in the world! We wish to bring a wave of change for good and revolutionize the way you bank with us. We constantly endeavour to give you an easy and comfortable banking experience. And so we offer numerous features and many more.

As a part of this endeavour, we are pleased to present the option of Digital Signature Certificate for additional security of online banking transactions.

  1. What Is Digital Signature Certificate?

    Digital Signature Certificates (DSCs) are the digital equivalent (i.e electronic format) of physical or paper certificates. Examples of physical certificates are Driving License, Passport or Membership Cards.

    Certificates serve as proof of identity of an individual for a certain purpose; for example, a Driving License identifies someone who can legally drive in a particular country. Likewise, a Digital Signature Certificate can be presented electronically to prove your identity, to access information or services on the Internet or to sign certain documents digitally.

    DSC provides an additional level of safety and security for online banking transactions by digitally verifying the financial transactions and encrypting the information such that only intended parties can read it.

  2. Who issues DSC and what are the different types of DSC?

    A licensed Certifying Authority (CA) issues the Digital Signature Certificate. The CA is someone who has been granted a License to issue a DSC under Section 24 of the Indian IT-Act 2000.

    The list of licensed CAs along with their contact information is available on the Controller of Certifying Authorities (CCA) portal (www.cca.gov.in).

    After procurement of the DSC, the Certificate can be downloaded in to the hard token or can be installed to the PC/Laptop. Please ensure that the token drivers are installed on your system as guided by your Certified Authority.


Standard Chartered Bank Online banking supports Class 3 types of DSCs.

Class 3 Certificates are issued to individuals as well as organisations. As these are high-assurance Certificates primarily intended for e-commerce applications, they shall be issued to individuals only on their personal (physical) appearance before the Certifying Authorities.

For more information, please visit:

www.cca.gov.in

http://www.mca.gov.in/MinistryV2/faq_DSC.html

Pre-requisites for using DSC Device.

  1. Check whether your Browser/System is installed with Java 6 update 38 and above to support DSC device.
  2. Check your System is enabled with USB device port/mass storage device to support DSC device.
  3. Recommended browsers : Internet Explorer 64 Bit & Chrome 64 Bit

DIGITAL SIGNATURE CERTIFICATE REGISTRATION PROCESS FOR ONLINE BANKING


STEP 1 – Login to your Online Banking

STEP 2 – Digital Signature > Register Digital Signature Certificate on the left hand side.

STEP 3 – Accept the Terms & Conditions and Click “Proceed” button.

STEP 4 – Click on button: “Click here to register your certificate”

STEP 5 – Select the Certificate and Click ‘Select’ button

STEP 6 – Input the digital certificate password for authenticating the digital certificate.

STEP 7 – Click on ‘Submit’ button to proceed.

STEP 8 – Enter One Time Password (OTP) received on your registered mobile number and click on “Confirm” button.

STEP 9 – You have successfully registered with the digital certificate.*

The digital certificate registered will be displayed under the ‘Digital Signature’ page.


*If there is name mismatch between digital certificate name and name as per our records then we will process DSC registration request within 2 working days.

DIGITAL SIGNATURE CERTIFICATE DE-LINKING PROCESS FOR ONLINE BANKING


STEP 1 – Login to your Online Banking

STEP 2 – Digital Signature > you can view his/her registered certificate here.

STEP 3 – Digital Signature > you can click on “Delink”

STEP 4 – Digital Signature > Click on “Confirm” button

STEP 5 – Enter One Time Password (OTP) received on your registered mobile number and click on “Confirm” button.

STEP 6 – Your Digital Signature will be will de-linked successfully.


Important Note: You cannot transact for the next one hour from the time you confirm your request to delink your Digital Signature. After 1 hour, you can start transacting using OTP as 2nd factor of authentication

FAQs on Digital Signature Certificate (DSC) for Online Banking

1. What is a Digital Signature Certificate?

Digital Signature Certificates (DSCs) are the digital equivalent (that is electronic format) of physical or paper certificates. Examples of physical certificates are drivers' licences, passports or membership cards.

Certificates serve as proof of identity of an individual for a certain purpose; for example, a driver's licence identifies someone who can legally drive in a particular country. Likewise, a digital certificate can be presented electronically to prove your identity, to access information or services on the Internet or to sign certain documents digitally.

2. Why is DSC required?

Like physical documents are signed manually, electronic documents, for example e-forms are required to be signed digitally using a DSC.

3. Who issues the DSC?

A licenced Certifying Authority (CA) issues the digital signature certificate. CA is a person who has been granted a licence to issue a DSC under Section 24 of the Indian IT-Act 2000.

The list of licenced CAs along with their contact information is available on the Controller of Certifying Authorities (CCA) portal (www.cca.gov.in).

4. How can I get / procure the DSC?

You have to procure the DSC from the CA. The process of Digital Certificate procurement is available with the certifying authorities like e-Mudhra, Safescrypt, etc. The detailed list of licenced CAs along with their contact information is available on the Controller of Certifying Authorities (CCA) portal (www.cca.gov.in).

After procurement of the DSC, the certificate can be downloaded in to the hard token or can be installed to the PC / laptop. Make sure the token drivers are installed on your system as guided by your Certified Authority.

5. What are the different types of DSCs valid for using Online Banking?

Standard Chartered Bank online banking supports Class 3 types of DSCs only.

Class 3 Certificate will be issued to individuals as well as organisations. As these are high assurance certificates, primarily intended for e-commerce applications, they shall be issued to individuals only on their personal (physical) appearance before the Certifying Authorities.

6. What is the benefit of DSC?

DSC provides an additional level of safety and security for online banking transactions by digitally verifying the financial transactions and encrypting the information such that only intended parties can read it.

7. What is the validity period of a DSC?

The Certifying Authorities are authorised to issue a DSC with a validity of one or two years.

8. What is the legal status of a Digital Signature?

Digital Signatures are legally admissible in a Court of Law, as provided under the provisions of IT Act-2000.

9. How do I register my Digital Signature in Online Banking?

Please visit Digital Signature Registration page to know detailed process.

10. Do I need Digital Signature to login to online banking as well?

No. You don’t need DSC for login to online banking.

11. Where can I use this DSC?

Yes. Once you have successfully registered DSC, you will need it every time as additional layer of security for your online banking transactions.

Following transaction either needs OTP or DSC post successful registration of DSC

# Action / Transaction DSC /OTP Validation
1 Add Another SCB Account Payee OTP
2 Add Inter Bank Funds Transfer Payee OTP
3 Add Visa Money Transfer Payee OTP
4 Add Demand Draft Transfer Payee OTP
5 Transfer to Own / Linked Account YES
6 Credit Card Payment NO
7 Transfer to Another SCB Account YES
8 Inter Bank Funds Transfer YES
9 Visa Money Transfer YES
10 Demand Draft Transfer YES
11 Register for Bill Payment OTP
12 Payment of Presented Bill YES
13 One Time Bill Payment YES
14 Delete a Registered Biller OTP
15 Pre - Paid Mobile Top Up Transfer YES
16 Pre - Paid Mobile Top Up Payee Addition OTP
17 Pre - Paid Mobile Top Up Payee Deletion No
18 Payment Gateway Transaction YES
19 Set Up Transaction Password using Credit Card OTP
20 Change Transaction Password using Credit Card OTP
21 Set Up Transaction Password using ATM / Debit Card NO
22 Change Transaction Password using ATM / Debit Card NO
23 Update Personal Details OTP

In case you choose to use the Digital Signature Certificate option in online banking then you will not be permitted to transact Breeze Mobile Apps (Both Android & IOS) and also the mobile banking site (m.sc.com/in).

12. How do I de-link my DSC from Online Banking?

Please visit de-linking page to know detailed process.

Please note that once your digital signature is de-linked successfully then you will not be allowed to transact using online / mobile banking for next 1 hour. This feature is added for your additional security.

13. How do I log in if I have lost my DSC or its validity has expired?

For login, you don’t need DSC authentication.

14. How do transact using online banking if I have lost my DSC or its validity has expired?

You can login and delink your digital signature without physical DSC available. Further you can re-register same or new DSC on your online banking.

15. How many DSC can be registered online for one online banking ?

You can register only 1 DSC at a time.

16. Pre-requisites for using DSC Device.
  1. Check your Browser/System is installed with Java 6 update 38 and above to support DSC device.
  2. Check your System is enabled with USB device port/mass storage device to support DSC device.
  3. Check Browser version supported by DSC Issuer.

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