Help Centre

Niyo - Features and App basics 20

• Information Related to interest rate - NiyoX
• Do we have a facility to add cash through an ATM machine? - NiyoX
• What are the cheque collection charges? - NiyoX
• Is there any FD facility on this account? - NiyoX
• Is there a Demand Draft option? if yes what are the charges?

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Onboarding 6

• Is there a minimum balance I need to maintain for this account? - NiyoX
• Are there any penalty charges for non maintenance of average monthly balance? - NiyoX
• How is my Average monthly balance (AMB) calculated? - NiyoX
• Which cities is Niyo currently serving? - NiyoX
• Can I open a NiyoX Account by going to the Niyo office or the Equitas Small Finance Bank branch? - NiyoX

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Verify your identity 10

• What are the documents needed to complete KYC? - NiyoX
• Why should I share my PAN and Aadhaar Number? - NiyoX
• What if I do not have my PAN/Aadhaar number? - NiyoX
• Why do I need access to my Aadhaar-linked phone number? - NiyoX
• What do you mean by 'I have not opened any other account using Aadhaar OTP' in the TnC? - NiyoX

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Tell us about yourself... 7

• Can I edit the name on the card after my account is created? - NiyoX
• What are the details to be updated? - NiyoX
• Income Declaration - NiyoX
• How many nominees can I add? - NiyoX
• Why add nominees? - NiyoX

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Consents & Declarations 6

• Why is CRIF report required to open a Niyo X Account? - NiyoX
• Why is CKYC required to open Niyo X Account? - NiyoX
• What if I do not want a 2 in 1 account ? - NiyoX
• Why should I provide a digital signature? - NiyoX
• Will a low CRIF score affect my account creation process? - NiyoX

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AEPS 3

• How NiyoX customer can avail/activate AEPS?
• How much time does it take to activate the AEPS?
• How much time does it take to update addresses in bank records, from Equitas internet banking portal or by visiting a bank branch?

KYC 6

• What is KYC, why should I do it, and how can I do it?
• What is Video KYC? How can I schedule it, and how long does it take to complete?
• What is Biometric KYC? How can I schedule it?
• The KYC agent did not come to my house. What should I do now?
• Can I schedule my biometric KYC at a different address?

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Transactions 7

• What happens if my Fund (money) Transfer/payment fails? (Amount deducted/debited)
• What happens if my Fund (money) Transfer/payment fails? (Amount NOT deducted/ NOT debited)
• When will I get my refund?
• My account has been frozen (not able to make any payments/send money/withdraw money). What should I do?
• What are my fund transfer limits?

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NiyoX Debit Card 16

• How can I order the NiyoX debit card? How can I track the delivery?
• Can I replace my card with another card design if I don't like my current design? - NiyoX
• Are there any charges for my NiyoX debit card?
• How much can I spend using Tap & Pay?
• Are there any ATM withdrawal charges?

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Account Details Change 6

• Can I change my registered mobile number to NiyoX?
• Can I change my registered communication or permanent address with NiyoX?
• How can I order a cheque book and passbook?
• How can I change/update my signature with the bank?
• How can I change my registered email ID?

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Referral and Campaign Rewards 5

• What is the NiyoX referral program, and how can I refer people?
• How many of my friends/family members can I refer?
• The referral/campaign reward is not credited to the account?
• How can I track the referral/campaign rewards?
• Campaign Scratch Card not received or Reward amount not credited to NiyoX account?

Salary Rewards 5

• What are NiyoX Salary rewards? How can I subscribe to it?
• How can I make NiyoX Savings account my salary account?
• I have not received the scratch card/reward yet. What should I do?
• Where can I see the rewards I got from the Salary Account program?
• How can I unsubscribe from the Salary Rewards program?

NiyoX - EPF Tracking 7

• How can I track my EPF balance on NiyoX?
• Why can I not track my EPF balance (in what scenarios can I not track it)?
• My EPF is linked with a different mobile number? What can I do?
• My mobile number is not linked to my EPF account. How do I update the same?
• Why am I getting a ‘No EPF account found’ screen even when my mobile number is linked to my EPF account?

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NiyoX Personal Loans 12

• About NiyoX loans (Amount, Interest, Duration, etc)
• Can I get a personal loan from NiyoX?
• What are the steps to get a personal loan from NiyoX?
• Why can't I see an option for loans on my app?
• How much time will it take for the loan amount to come to my bank account?

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