OTP generated through this application is an alternative to SMS OTP, for authenticating transactions/requests in IDBI Net Banking. It enables you to generate OTP from mobile based application in lieu of SMS OTP sent by Bank on registered mobile number. This option eliminates the need to have mobile coverage, non-receipt or delayed delivery of SMS OTP. It is a convenient way of generating OTP instead of waiting for the SMS OTP. In order to use the facility, you need to complete the registration