SBI HRMS Registration & Login Guide

The SBI HRMS (Human Resource Management System) portal is the official Employee Self‑Service (ESS) platform for current and retired employees of the State Bank of India®. It enables access to salary slips, leave, pension details, taxable forms, PF nominee updates, and much more—anytime, from anywhere. Here’s a step‑by‑step guide to register and log in to SBI HRMS, along with key features, benefits, and troubleshooting advice.

1. Who Can Use SBI HRMS? ✅

• Current SBI employees, pensioners, and family pensioners
• Former staff of merged associate banks such as State Bank of Mysore, Karnataka, Hyderabad, Travancore, Jaipur, and Bikaner
• Controllers, allied staff and pensioners able to register via the Pension‑er portal if required

2. Registration & Initial Setup

• Your User ID is your Provident Fund (PF) Index number, entered without leading zeros.
• New pensioners must register via the SBI Pensioner Portal (e.g., https://www.sbi.co.in/sbipension/user.htm), entering PF Number, pension account, date of retirement, mobile number and email. An OTP is sent to verify, and then a temporary password is issued to set your secure password (minimum six characters).
• For employees, typically you receive login credentials (PF Number and a default password like “sbi123”) at joining. First‑time login requires resetting the password via the “Forgot Password” link.

3. How to Log In (Web Portal)

1. Visit the official portal: https://hrms.bank.sbi/ or https://hrms.onlinesbi.com.
2. Click on “Login” at the top right.
3. Enter your User ID (PF Number), Password, and Captcha.
4. Click Login.
5. On first login, you’ll be prompted to reset your password. Do so immediately using the secure password interface.
6. Once inside, your personalized dashboard appears with all accessible services.

4. How to Log In via the MyHRMS Mobile App

• Download MyHRMS from the Google Play Store or Apple App Store (official SBI app).
• Launch the app and enter your PF number, new password, and Captcha.
• Complete sign-in to access the mobile dashboard—with all HR features available on the web portal.

5. Core Features & Services

Once logged in (web or app), you can access a host of services:

• Salary Slips: View and download salary details and breakup (PF, deductions, etc.)
• Pension Slips: Pensioners can access or download pension statements for any month
• Leave Management: Check leave balance, apply for sick, earned or casual leave, view holiday calendar, cancel leave requests
• Reimbursements: Submit claims for travel, hostel, food cost reimbursements via ESS services
• Form 16 & Tax Declaration: Access tax forms, investment declarations, and TDS details via the portal
• Gratuity & Provident Fund: Check balances, update nominee details, submit gratuity proposals
• Holiday‑Home Booking: Pensioners/employees can book SBI holiday‑home stays online; charges may be refundable if cancelled in time
• Video Life Certificate (“Jeevan Praman”) submission by pensioners—available via the MyHRMS app or portal
• Other Tools: GEMS grievance redressal, organ donation registration, attendance, career history, and personal profile updates

6. Resetting Forgotten Password

• On the login page, click “Forgot Password” below the login form.
• Enter your User ID (PF number) and Date of Birth, then choose to receive OTP via registered mobile or email.
• Enter the OTP, then choose a new secure password (case‑sensitive). Login will open automatically upon completion.

7. Common Login Issues & Tips

1. Incorrect credentials: Check for typos or Caps Lock. If forgotten, use Forgot Password.
2. Account locked: Multiple failed attempts may temporarily block access—wait 30 minutes or contact HRMS support/headoffice.
3. Unable to load portal/app: Clear browser cache, switch browser (Chrome, Firefox, Edge), or reinstall the app. Use stable internet with device compatible with the app or portal version.
4. Captcha errors: Ensure the characters are typed exactly—case‑sensitive.
5. Contact support: Email hrms@sbi.co.in or sanjeevani.pensioner@sbi.co.in, or call toll‑free HRMS helpline: 1800‑425‑3800.

8. Security Features & Best Practices

SBI HRMS ensures robust data protection:

• Encrypted login and multi‑factor authentication
• Role‑based access: Employees don’t access pensioner data and vice versa
• Auto logout after inactivity
• OTP verification for critical changes (e.g., nominee updates)
• Regular system audits to ensure compliance and protect data integrity

Tips for Secure Use:

• Change your password regularly
• Always log out after use, especially on shared devices
• Bookmark the official portal URL—never access through unknown links
• Keep the app/browser updated for latest patches and features

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✅ Final Thoughts

The SBI HRMS portal and MyHRMS app streamline HR interactions for SBI employees and pensioners—making salaries, leaves, pension slips, reimbursements, and nominations manageable with a few clicks. Whether you’re first‑time registering, logging in, or recovering your account, SBI HRMS makes onboarding and self‑service easy and secure.

Indias Vibes hopes this registration and login guide helps you access your SBI HRMS dashboard confidently—and enjoy its full benefits.

What is Form 26AS and How to Use It for ITR Filing?

Income Tax Return (ITR) filing in India requires accuracy and complete disclosure of income, taxes paid, and deductions claimed. One of the most crucial documents that helps taxpayers ensure accuracy while filing ITR is Form 26AS. Often called the tax passbook or annual tax statement, Form 26AS provides a consolidated record of the taxes deducted, collected, and deposited against a taxpayer's PAN during a financial year.

In this article, we’ll explore what Form 26AS is, its components, how to download it, and how to use it effectively during ITR filing.

✅ What is Form 26AS?

Form 26AS is an annual consolidated tax credit statement issued by the Income Tax Department. It shows all tax-related information associated with a taxpayer's PAN, including:

• TDS (Tax Deducted at Source) by employers, banks, and others
• TCS (Tax Collected at Source) by sellers on specified transactions
• Advance tax or self-assessment tax paid directly by the taxpayer
• Refunds issued by the Income Tax Department
• High-value transactions like property purchases or mutual fund investments

Form 26AS helps you verify your income and tax paid before filing your return, reducing the risk of notices, mismatches, or delayed refunds.

🧾 Components of Form 26AS

Form 26AS is divided into multiple parts, each containing specific financial information:

Part	Details
Part A	TDS details on salary, interest, rent, commissions etc.
Part A1	TDS details on Form 15G/15H (no TDS due to declaration)
Part A2	TDS on property sales (Form 26QB)
Part B	TCS by sellers (e.g., on cars, jewellery)
Part C	Advance tax, self-assessment tax, regular assessment tax
Part D	Refunds received from the Income Tax Department
Part E	AIR/Specified Financial Transactions (e.g., high-value investments, credit card spends)
Part F	TDS on sale of immovable property (Form 26QB)
Part G	Defaults or processing of TDS statements
Part H	Details of turnover as reported in GSTR (for taxpayers filing GST returns)

📌 🖥️ How to View or Download Form 26AS Online

The Income Tax Department provides two main ways to access Form 26AS:

Method 1: Through Income Tax e-Filing Portal

1.      Visit https://www.incometax.gov.in

2.      Log in using your PAN/Aadhaar and password

3.      Go to “e-File” → “Income Tax Returns” → “View Form 26AS”

4.      You'll be redirected to the TRACES website

5.      Click on “View Tax Credit (Form 26AS)” → Select AY and download in PDF or HTML format

Method 2: Through Net Banking

If your PAN is linked with your bank account, you can view Form 26AS via net banking. Many major banks like SBI, ICICI, HDFC, Axis Bank provide this service.

Steps:

1.      Log in to your bank's net banking

2.      Find the “Tax Services” or “Form 26AS” link

3.      You’ll be redirected to TRACES to view the statement

🧠 How to Use Form 26AS for ITR Filing

Here’s how Form 26AS acts as a guide during your ITR filing process:

1. Validate Income Sources

Cross-check all the incomes on which TDS has been deducted (e.g., salary, interest, rent, etc.) with your own records. If you find any discrepancy in income, consult the deductor or update it in your return accordingly.

2. Verify TDS Credits

Match the TDS entries with your Form 16 (salary) or Form 16A (non-salary). If there’s a mismatch, the credit may not reflect in your Form 26AS — leading to reduced refund or increased tax demand.

3. Check Advance Tax/Self-Assessment Tax

If you’ve paid advance tax or filed self-assessment tax (usually in case of freelancers, consultants, or high-income salaried taxpayers), ensure these are properly reflected in Part C of Form 26AS.

4. Track Refunds

Part D of Form 26AS shows details of refunds issued by the department along with the payment date and amount. If you haven’t received a refund despite it showing as paid, you can raise a query.

5. Review High-Value Transactions

Part E includes specified financial transactions reported by banks, mutual fund houses, registrars, etc., like:

·         Cash deposits over ₹10 lakh

·         Credit card spends over ₹2 lakh

·         Property purchases over ₹30 lakh

Ensure you disclose related income or transactions in your ITR to avoid scrutiny or mismatch notices.

🧩 Common Issues with Form 26AS

Issue	Solution
TDS not reflecting	Ask the deductor to file/revise TDS return
Wrong PAN used by deductor	Ask deductor to correct PAN details and refile
Tax paid but not showing	Re-check challan number and payment mode
Mismatch in refund amount	Cross-check your ITR and CPC communication

📌 Tips for Using Form 26AS Effectively

• Download Form 26AS before filing your return every year — it's your tax blueprint.
• Use it to reconcile TDS, taxes paid, and refund status.
• Ensure that your PAN is correctly mentioned in all financial transactions.
• If you find any discrepancy in Form 26AS, raise a grievance on https://www.tdscpc.gov.in or contact the deductor.

📝 Final Thoughts

Form 26AS is a vital document for every taxpayer — whether salaried, freelancer, business owner, or investor. It consolidates all your tax-related data in one place and ensures you don’t underreport income or miss claiming tax credits.

By reviewing Form 26AS thoroughly, you can:

• Avoid income mismatch notices
• Claim correct TDS credits
• File a more accurate ITR
• Speed up refunds

So before you hit the "Submit" button on your ITR, make sure you consult your Form 26AS — your tax mirror for the year.

 

 

Streamlining HR Processes with Automation: The Role of HRMS

In today’s highly competitive and digitally driven business environment, organizations must continually look for ways to improve efficiency, reduce errors, and enhance employee satisfaction. One of the most effective ways to achieve this is by automating HR processes through a Human Resource Management System (HRMS).

HR departments, once bogged down with paperwork, repetitive tasks, and manual errors, are now being transformed by technology. HRMS solutions bring automation to the heart of human resource functions—saving time, reducing administrative burden, and allowing HR professionals to focus on strategic initiatives that add real value to the business.

This article explores how HRMS streamlines HR operations through automation and why it is a vital tool for modern organizations.

What Is HR Process Automation?

HR process automation refers to the use of digital technology to perform routine HR tasks with minimal human intervention. This includes processes such as:

• Payroll processing
• Employee data management
• Attendance and leave tracking
• Recruitment and onboarding
• Performance appraisals
• Employee self-service

By automating these tasks, organizations can drastically reduce time and effort, eliminate errors, and ensure compliance with labor laws and company policies.

The Role of HRMS in Automation

A Human Resource Management System (HRMS) is a comprehensive software solution that automates and integrates core and strategic HR functions. Here’s how an HRMS plays a central role in streamlining key HR processes:

1. Employee Information Management

Maintaining employee records manually is inefficient and error-prone. An HRMS automates this by creating a centralized digital database where HR professionals can easily store, retrieve, and update employee details such as personal information, job history, compensation, and compliance documentation.

Automation ensures data accuracy, consistency across departments, and real-time access to employee information when needed.

2. Payroll and Benefits Administration

Payroll processing is one of the most critical and complex HR tasks. An HRMS automates payroll calculations based on predefined salary structures, attendance records, tax regulations, and deductions. It also manages benefits administration such as health insurance, provident fund, and reimbursements.

Automation reduces the risk of salary discrepancies, ensures timely payments, and helps maintain compliance with tax laws and statutory obligations.

3. Attendance and Leave Management

Tracking attendance and managing leaves manually can lead to inaccuracies and disputes. HRMS automates these processes through biometric integration, web or mobile check-ins, and real-time dashboards. Employees can apply for leaves through self-service portals, and managers receive automated notifications for approval.

Automated leave balance tracking, policy enforcement, and reporting create a more transparent and fair attendance system.

4. Recruitment and Onboarding

Recruitment involves multiple steps—job postings, resume screening, interview scheduling, and candidate communication. HRMS platforms automate many of these tasks through applicant tracking systems (ATS) that streamline candidate sourcing, filtering, and onboarding.

Once a candidate is hired, onboarding workflows are automated to provide digital welcome kits, assign training modules, and collect required documents—creating a smooth and engaging new hire experience.

5. Performance Management

HRMS platforms offer automated performance management tools that allow goal setting, periodic feedback, self-assessments, and 360-degree reviews. These systems send reminders for review cycles, track performance metrics, and generate analytics for informed decision-making.

Automation standardizes the performance review process, reduces bias, and enables continuous performance improvement across teams.

6. Employee Self-Service (ESS)

Modern HRMS systems empower employees through self-service portals where they can update personal details, download payslips, apply for leaves, check attendance, and submit expenses—without involving HR.

This reduces administrative workload for HR staff and enhances employee satisfaction by providing quick, convenient access to essential information.

7. Compliance and Reporting

HR departments are responsible for adhering to labor laws, tax regulations, and internal policies. HRMS platforms automatically apply relevant legal updates, generate compliance reports, and send alerts for statutory deadlines.

This reduces legal risks, enhances audit readiness, and ensures that the organization remains compliant across all jurisdictions.

Benefits of HR Automation Through HRMS

• Time Savings: Reduces hours spent on repetitive tasks
• Error Reduction: Minimizes manual data entry and processing errors
• Cost Efficiency: Lowers administrative costs and reduces the need for paper-based systems
• Scalability: Supports business growth by handling larger volumes of data and processes
• Better Decision Making: Provides real-time data and analytics for strategic insights
• Improved Employee Experience: Enhances transparency, responsiveness, and convenience

Final Thoughts

Automation is no longer a luxury—it’s a necessity for modern HR departments. By integrating automation through a robust HRMS, organizations can streamline processes, ensure compliance, and focus on strategic initiatives like talent development, employee engagement, and organizational culture.

In an era where agility and efficiency define business success, an automated HRMS is not just an operational tool—it’s a strategic asset.

Let me know if you'd like an industry-specific version or a downloadable HR automation checklist to go along with this content!

Top 10 Benefits of Cash and Liquidity Management Services for Corporates

In the corporate world, cash is more than just a resource—it’s a strategic asset. For businesses aiming to scale sustainably, having visibility and control over their cash and liquidity is essential. That’s where cash and liquidity management services offered by banks and financial institutions come into play.

These services help corporates optimize working capital, meet financial obligations on time, and make informed decisions that drive growth. Here are the top 10 benefits of leveraging cash and liquidity management services:

1. Enhanced Cash Flow Visibility

One of the biggest advantages is real-time visibility into cash positions across accounts, geographies, and entities. Corporates can track where their money is, how much is available, and how it’s being used. This helps avoid surprises and supports better decision-making.

2. Improved Working Capital Management

Cash and liquidity services help optimize working capital by streamlining receivables and payables. With faster collections and strategically timed disbursements, businesses can reduce the cash conversion cycle and free up funds for operations or investments.

3. Centralized Control Over Funds

Multinational corporations often have multiple accounts across various subsidiaries and countries. Cash management services offer tools for account pooling, sweeping, and intercompany transfers, allowing CFOs to centrally manage liquidity and reduce idle cash across the organization.

4. Risk Reduction

Liquidity risks—like not having enough cash to meet obligations—can disrupt business continuity. These services offer real-time alerts, forecasting tools, and automated controls that help mitigate the risk of overdrafts, late payments, or financial shortfalls.

5. Better Financial Planning and Forecasting

With access to accurate, consolidated cash data, finance teams can create more reliable cash flow forecasts. This enables proactive planning, supports budgeting processes, and helps align short-term liquidity with long-term strategic goals.

6. Cost Efficiency

Through automated processes such as bulk payments, virtual accounts, and real-time reconciliations, businesses can reduce manual workloads, cut down on banking fees, and eliminate inefficiencies that come with fragmented cash handling.

7. Stronger Creditworthiness and Investor Confidence

Effective liquidity management enhances a company’s financial profile. It improves key financial ratios like current and quick ratios, making the business more attractive to lenders, investors, and rating agencies.

8. Real-Time Decision Making

Modern cash and liquidity management tools integrate with ERP systems and provide dashboards that deliver up-to-the-minute data. This enables treasury teams to make agile, data-driven decisions, especially during market volatility or financial stress.

9. Regulatory Compliance and Reporting

With increasing regulatory scrutiny, businesses must ensure that their cash movements and reserves are compliant. Cash management services help with audit trails, automated reporting, and adherence to domestic and international banking regulations.

10. Opportunity to Maximize Returns on Idle Cash

Rather than leaving excess cash sitting idle, liquidity management solutions offer ways to invest surplus funds in short-term instruments, such as fixed deposits or money market funds. This ensures that every rupee or dollar is working for the business.

Conclusion

In today’s competitive and uncertain economic landscape, cash and liquidity management services are not optional—they’re mission-critical. They provide the tools, insights, and infrastructure that corporates need to stay agile, solvent, and growth-ready.

Whether you're managing a mid-sized company or a global enterprise, partnering with a bank or fintech provider that offers comprehensive cash and liquidity solutions can make a substantial difference in your financial strategy. From optimizing daily operations to seizing expansion opportunities, these services are the backbone of modern corporate treasury.

Let me know if you’d like a version of this article tailored for LinkedIn, a corporate blog, or a financial newsletter!

10 Interesting Unknown Facts About Nepal

Nepal, a small yet fascinating country nestled in the heart of the Himalayas, is often known for its towering peaks, serene landscapes, and rich cultural heritage. While much is known about this landlocked nation, there are numerous lesser-known facts about Nepal that highlight its uniqueness and charm. From ancient history to hidden treasures, here are 10 interesting and lesser-known facts about Nepal that may surprise you.

1. Nepal is the Only Country in the World Without a Rectangular Flag
Nepal’s flag is the only one in the world that is not rectangular. It consists of two stacked triangles, which symbolize the Himalayas and the two major religions, Hinduism and Buddhism, that dominate the culture of the country. The flag is also a symbol of the country’s long-standing independence and rich heritage. The two triangles are not just a design but carry deep historical and cultural significance.

2. Home to the World’s Highest Mountain, Mount Everest
Mount Everest, the highest mountain on Earth at 8,848.86 meters (29,031.7 feet), is located in Nepal. Known as “Sagarmatha” in Nepali and “Chomolungma” in Tibetan, Everest draws mountaineers from around the world who seek to conquer its formidable heights. Nepal is home to several trekking routes leading to Everest, including the famous Everest Base Camp trek.

3. Birthplace of Lord Buddha
Lumbini, a UNESCO World Heritage Site, is the birthplace of Siddhartha Gautama, who later became known as the Buddha. Located in the Rupandehi District of Nepal, Lumbini attracts millions of Buddhist pilgrims from around the world who come to visit the Maya Devi Temple, the sacred garden, and the Ashoka Pillar, which marks the birthplace of the Buddha.

4. Nepal Has the Only Living Goddess in the World
In Nepal, particularly in the Kathmandu Valley, a young prepubescent girl is selected to become the "Kumari," the living goddess. The Kumari is believed to be the physical embodiment of the Goddess Taleju and is treated with utmost reverence. She resides in the Kumari Ghar (Kumari's palace) in Kathmandu, and her duties include giving blessings and participating in festivals. Once she reaches puberty, she must return to her regular life, and a new Kumari is chosen.

5. Nepal is the Birthplace of the Modern Postal System
While the concept of postal services existed for centuries, Nepal is credited with developing the first modern postal system in the world. The first postal route was introduced in the 19th century during the reign of King Prithvi Narayan Shah. The country’s first postage stamps, known as the “Scinde Dawk,” were issued in 1854 and remain a collector's item today.

6. Nepal is a Multi-Religious Country
Though predominantly Hindu, Nepal is home to a diverse range of religions, including Buddhism, Islam, Christianity, and indigenous beliefs. The coexistence of different religions and the peaceful collaboration between them is a hallmark of Nepal’s unique cultural identity. The country hosts numerous religious sites, such as Pashupatinath Temple (Hinduism), Boudhanath Stupa (Buddhism), and the mosques of Kathmandu, reflecting this rich spiritual diversity.

7. It Has Over 120 Ethnic Groups and 120 Languages
Nepal is a true melting pot of cultures and languages. The country is home to over 120 different ethnic groups, each with its own distinct language, culture, and traditions. Among the many languages spoken are Nepali, Maithili, Bhojpuri, Tharu, and Tamang, making Nepal one of the most linguistically diverse countries in the world. This diversity is reflected in the country’s rich tapestry of traditions, music, art, and festivals.

8. Nepal is One of the Only Countries to Have Never Been Colonized
Unlike most countries in South Asia, Nepal has never been colonized by any foreign power. Throughout history, Nepal maintained its sovereignty by skillfully navigating through the colonial ambitions of the British Empire in India. The country’s geographic isolation, along with its fierce resistance, allowed it to preserve its independence.

9. It Has More Than 1,000 Temples and Shrines
Nepal is often referred to as the "Land of Temples" due to the sheer number of temples and shrines scattered throughout the country. The Kathmandu Valley alone houses over 1,000 temples, many of which are UNESCO World Heritage Sites. These temples, both Hindu and Buddhist, are not only places of worship but also significant cultural and historical landmarks.

10. Home to the World's Most Dangerous Airport
Nepal is home to the world’s most dangerous airport—Tenzing-Hillary Airport, also known as Lukla Airport. Located in the Everest region, the airport is notorious for its challenging terrain, unpredictable weather conditions, and short runway. Only skilled pilots with extensive experience are qualified to land at Lukla, making it a thrilling but risky experience for those flying to Nepal’s Everest Base Camp.

Nepal’s charm lies not only in its breathtaking landscapes and historical landmarks but also in its vibrant and diverse culture. From the world’s highest peaks to its rich spiritual heritage, Nepal continues to fascinate and inspire those who visit it. These lesser-known facts serve as a testament to the uniqueness of this Himalayan kingdom, a country that truly offers something for everyone.