- 1. What is a Digital Signature Certificate?
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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?
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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?
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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?
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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?
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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?
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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?
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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?
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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?
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Please visit Digital Signature Registration page to know detailed process.
- 10. Do I need Digital Signature to login to online banking as well?
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No. You don’t need DSC for login to online banking.
- 11. Where can I use this DSC?
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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?
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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?
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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?
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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 ?
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You can register only 1 DSC at a time.
- 16. Pre-requisites for using DSC Device.
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- Check your Browser/System is installed with Java 6 update 38 and above to support DSC device.
- Check your System is enabled with USB device port/mass storage device to support DSC device.
- Check Browser version supported by DSC Issuer.
