Yono Business

State Bank of India

About this app

SBI Anywhere Corporate app is now Yono Business
An integrated mobile application for SBI Corporate Customers

Yono Business is a mobile application for corporate internet banking users providing common user experience to Khata Plus, Vyapaar/ Vistaar and Saral and other variants of SBI Corporate Internet banking. Corporate Maker, Authorizer and Enquirer can use this product for initiating payments and account management.

CMP (Cash Management Product) Payments users who are availing cash management services of SBI for bulk payments can also use this same app for authorizing payments through this app and manage accounts.

It is a safe, secure and easy to use application with host of features to SBI Internet banking users to operate their account on the move.

Key features – (Khata Plus, Vyapaar, Vistaar, Saral)

• Manage Accounts
- View Account Summary (all account types) , Mini Statement and Add/Manage accounts
• Initiate Payments (For Corporate Makers and Authorizers)
- Fund Transfer – Own, SBI and Non SBI Accounts (NEFT, RTGS, IMPS)
- Pay Suppliers – Make Payments to registered Suppliers
- Bill Payments – View/ Pay and Schedule Bills and View Biller details
• Open Fixed Deposits (e-TDR, e-STDR)
• Authorizations (For Corporate Authorizers)
- Transactions
- Merchant Transactions
- Cancel E-cheques
• Enquiry – View e-cheque and e-TDR\STDR details

SARAL Features:
SARAL is a simplified single user product ideally suited for sole proprietorship concerns, micro enterprises or individual businessmen who require online transaction facility in their business accounts.
• Quick Transfer
• Mobile Top Up and DTH Recharge
• Apply/ Edit/ Manage IPO
• Add and Manage Beneficiaries
• Profile Management
- Change Account Nick Name and Display Name


CMP Payments:-
CMP Payments is for business entities availing cash management product of SBI. It helps the corporate manage their finances on the move. Corporate users can approve or reject payments for salary payments, vendor payments etc. Corporate Uploader, Approver, Authorizer and Releaser can access this app)

Corporate Uploader - View upload status of the file uploaded by him
Corporate Approver - Authorize transaction
Corporate Authorizer - Authorize transactions and manage accounts.
Corporate Releaser – Authorize transaction and manage accounts.

Other Services:-
Corporate users can acquaint themselves regarding different product offerings and services of SBI and raise service request for any banking services through Other Services product. Post submitting request, bank representative will give a call back to customer to take the request forward.

Services Dashboard includes the following services with further sub menus:
- Online and Offline collections services
- Payments
- Channel Finance
- Trade Finance
- Treasury
- Additional Services

CMP Collections :-
CMP Collections product is an easy-to-use, cost effective, eco-friendly, fast, and secure cash and cheque deposit solution for SBI Corporate Customers.
It facilitates corporate dealers/ agents to deposit cash and cheque by using Cash Collections and Cheque Collections options. The corporate dealers and agents can select the CMP collections product in YonoB app and access the application. They can use mobile number for registration and login using MPIN.

Key Features
- Raise request order for cash and cheque collection,
- Track the order
- View pending collections
- Check cash/cheque deposit status
- Activate expired transactions
- Agents can view assigned orders and update the order status.

For complaints and help:
Please visit https://yonobusiness.sbi and select Contact us

Ratings and reviews

Whenever I create a payment to a SBI or other bank account. The process goes to the final step where I have to submit an OTP. After submitting OTP, I get a generic message saying "We cannot process your request at this time due to some technical reasons. Please try again later". It does not give any error code whatsoever to identify the root cause. I have restarted my phone, cleared the data and cache, uninstalled and reinstalled the latest version from Google play store. but working on PC.

😔 The app needs improvement in handling failed transactions. Whenever a payment fails, the deducted amount takes around 24 hours or even 2 days to be refunded. In comparison, apps like PhonePe and Google Pay handle this much better — even if the transaction fails after debiting, the amount is usually reversed instantly or remains safe. Waiting for 24 hours or more creates inconvenience and lack of trust. The refund process should be faster and more reliable like other UPI apps.

Bad experience. I faced the same issue multiple times, whenever I try to make a payment via scanning QR, the Payments fail and amount gets debited. SBI really needs to work on their application otherwise they may lose a lot of their users.

What’s new

Minor Enhancements