How to Make Bill Payments and Challan Filling Through SBI Online

Quick answer: You can make SBI bill payments online through the YONO SBI app or OnlineSBI internet banking, both of which route utility, insurance and credit card bills through SBI Unipay on the Bharat Bill Payment System (BBPS). For SBI challan filling, you create the challan on the government portal (Income Tax, GST, state treasury or SBI Collect) and choose State Bank of India as the payment bank.

SBI Bill Payment and Challan Filling Online: What You Can Pay

SBI handles two very different kinds of online payments. Bill payments start inside SBI’s own channels. Challan payments start on a government or institution website and only finish on OnlineSBI.

State Bank of India registered as an operating unit under BBPS in 2017 and built SBI Unipay to work as both a customer and biller operating unit. According to SBI, customers can pay BBPS bills through YONO, YONO Lite, OnlineSBI (retail internet banking) and YONO Business.

What You Need Before Making Any SBI Online Payment

Most failed payments come from missing details, not bank errors. Keep these ready before you start:

• Active OnlineSBI or YONO SBI login with transaction rights on the account
• Registered mobile number for OTP authorisation
• Consumer number or customer ID printed on the utility bill (for SBI bill payment)
• PAN for income tax challans, TAN for TDS/TCS challans, GSTIN for GST challans
• Correct tax period: Tax Year or Assessment Year (explained in the income tax section below)
• Sufficient balance, including room for any per-mode charges shown on SBI Collect

If you are unsure whether your PAN details are correct before paying tax, run a quick PAN verification first. A wrong PAN sends the tax credit to someone else’s account.

How to Make SBI Online Bill Payment Through YONO SBI

YONO SBI sends all bill payments to SBI Unipay, the bank’s BBPS platform. SBI lists three post-login paths and one pre-login path to reach it.

Steps after logging in to YONO SBI:

1. Open YONO SBI and log in with your MPIN or user ID and password.
2. On the landing page, tap Bill Payments (you can also reach it through YONO Pay > Bill Payments, or the hamburger menu > YONO Pay > Bill Payments).
3. YONO redirects you to SBI Unipay.
4. Pick the biller category, such as electricity or insurance.
5. Select your biller and enter the consumer number exactly as printed on your bill.
6. Fetch the bill, check the amount and due date, and choose the debit account.
7. Authorise the payment with the OTP or MPIN.
8. Save the confirmation. SBI sends instant confirmation by SMS, email or printout.

Without logging in: Use YONO Pre-login > Bill Pay, or the hamburger menu > YONO Pay > Bharat Bill Payment System.

Charges: SBI states nil charges for bill payments made through digital modes on SBI Unipay. Your biller may still levy its own convenience fee, which appears before you confirm.

How to Pay Bills Through OnlineSBI Internet Banking

OnlineSBI bill payment works on a “register once, pay anytime” model. You add a biller once, and future bills either appear automatically or are paid against an amount you enter.

Steps for SBI online bill payment on OnlineSBI:

1. Log in to OnlineSBI with your user ID and password.
2. Go to Bill Payments > Manage Biller > Add.
3. Select the biller (local billers appear by state; national billers sit under “All India Billers”).
4. Enter the consumer number and a nickname, then confirm with OTP.
5. To pay, open Bill Payments, pick the registered biller, check the amount and click Pay.
6. Save the Online Transaction Request Receipt (OTRR) that appears after you authorise.

View and Pay Billers vs Pay Bill Billers

SBI’s own help page splits billers into two types. The type decides whether you see the bill inside OnlineSBI.

SBI’s help page also notes that it generally takes 2 working days to process a bill payment, so the due date shown inside OnlineSBI is the actual due date minus 2 days. Pay by the displayed date, not the date printed on your bill.

Setting Up AutoPay

OnlineSBI lets you set an AutoPay instruction with an upper limit. Bills within that limit are paid automatically on their due date. A bill above the limit is held for manual payment, so an unusually high electricity bill does not get debited without your review.

If you prefer the branch route, SBI also accepts the SBI e-PAY Registration Form (SeRF) at your branch to register billers.

Paying Your SBI Credit Card Bill Through OnlineSBI

The SBI bill most account holders pay every month is the SBI Card statement. SBI Card’s own FAQ gives this route:

1. Log in to OnlineSBI and go to Bill Payments > Manage Biller > Add.
2. Under All India Billers, select SBI Cards and Payment Services Pvt. Ltd. and register your card.
3. To pay, open View/Pay Bills and choose Without Bills.
4. Pick the SBI account to debit, enter the amount and click Pay Now.

“Without Bills” means OnlineSBI does not fetch your card outstanding. Check the amount due on sbicard.com or your statement first. SBI Card states that payments made this way reflect on the card account instantly.

SBI Challan Filling for Income Tax (e-Pay Tax)

Income tax challans are never generated on OnlineSBI itself. SBI’s Direct Tax page states that you generate the challan (CRN) on the Income Tax Department’s e-filing site, then pay through SBI internet banking, an SBI ATM-cum-debit card or UPI.

Step-by-Step: Pay Income Tax Through SBI

1. Log in at incometax.gov.in with your PAN.
2. Go to e-File > e-Pay Tax > New Payment.
3. Select the applicable Act (see the table below).
4. Choose the Income Tax tile, the year and the type of payment (minor head).
5. Enter the amount breakup: tax, surcharge, cess, interest and any fee.
6. Select Net Banking and choose State Bank of India. Debit card and UPI options are also available.
7. You are redirected to OnlineSBI. Log in, check the details and confirm with OTP.
8. Download the challan receipt from the e-filing portal. It shows the CIN, BSR code and challan serial number you will need in your return.

For TDS and TCS, the flow is the same but you log in with your TAN and use the TDS/TCS challan. Our TDS payment guide covers that process, and the TAN full form explainer covers who needs a TAN.

Which Act and Year to Select (April 2026 Change)

The Income-tax Act, 2025 replaced the Income-tax Act, 1961 from 1 April 2026. The e-Pay Tax screen now asks you to pick the Act first, and picking the wrong one is the most common challan error this year.

Two examples for October 2026:

• Advance tax instalment for income earned from April 2026 to March 2027: select Income-tax Act 2025 and TY 2026-27.
• Self-assessment tax on income earned in FY 2025-26: select Income-tax Act 1961 and AY 2026-27. The Department’s guidance specifically keeps self-assessment tax for AY 2026-27 under the 1961 Act.

For income earned in TY 2026-27, the Department notes that self-assessment tax can be paid only from 1 April 2027.

Paying Income Tax in Cash at an SBI Branch

If you do not use internet banking, select Pay at Bank Counter on the e-Pay Tax screen, print the challan and take it to an SBI branch. SBI’s Direct Tax page caps cash deposits at ₹10,000 per challan at any SBI branch. Amounts above that need a cheque, demand draft or an online mode. Our SBI demand draft guide explains how to get a DD made.

Direct Tax Challans SBI Accepts

SBI Challan Filling for GST (Form GST PMT-06)

GST challans are created on the GST portal and paid through OnlineSBI. The challan form is GST PMT-06, and it stays valid for 15 days from generation under Rule 87 of the CGST Rules, 2017.

Steps to pay GST through SBI:

1. Log in at gst.gov.in and go to Services > Payments > Create Challan.
2. Enter the tax, interest, penalty and fee amounts under CGST, SGST, IGST or cess.
3. Choose E-Payment > Net Banking and select State Bank of India.
4. Log in to OnlineSBI (or SBI corporate internet banking for business accounts) and authorise the debit.
5. SBI generates a Challan Identification Number (CIN), and the amount is credited to your electronic cash ledger.

Timing: SBI’s GST FAQ states that internet payment is available 24×7.

Over the counter: Cash or cheque payment at an SBI branch is allowed up to ₹10,000 per challan per tax period, per the Rule 87 proviso. SBI’s GST FAQ confirms that challan corrections cannot be made at bank level; contact GSTN for those.

QRMP taxpayers paying monthly through PMT-06 must pay by the 25th of the following month.

SBI Collect: Fees and Institutional Challans

SBI Collect (also called State Bank Collect) is what most people mean when a college, recruitment board or government office asks for an “SBI challan.” The institution sets up a payment form on SBI Collect, and you fill it in.

Steps to fill an SBI Collect challan:

1. Open the institution’s SBI Collect link, or go to onlinesbi.sbi/sbicollect and accept the terms.
2. Select the state and institution type (for example, Educational Institutions or Govt Departments).
3. Search for the institution by name and select it.
4. Choose the Payment Category the institution specifies, such as Application Fee.
5. Fill in your details. Note the date of birth and mobile number you enter; you need them to reprint the receipt later.
6. Choose a payment mode. SBI Collect shows the bank charge for each mode before you confirm.
7. Pay and download the e-Receipt, which carries an SB Collect reference number (usually starting with “DU”).

Paying an SBI Collect Challan in Cash

Choose SBI Branch as the payment mode. SBI Collect generates a Pre-Acknowledgement Payment (PAP) form. Print it, pay by cash or SBI cheque at any SBI branch, and the branch acknowledges payment on the PAP form.

State Government Taxes and Other Government Payments

OnlineSBI’s e-Tax section supports central departments such as ICEGATE (customs), MCA, DGFT, UPSC, Staff Selection Commission and trade mark registration, plus state commercial tax departments and cyber treasuries across states.

SBI notes that payment for most of these must start on the government website, and the process may differ from state to state. The common flow:

1. Generate the challan on the department or state treasury website.
2. Choose State Bank of India as the payment bank.
3. Log in to OnlineSBI and confirm.
4. Print the e-Receipt from the department site or OnlineSBI.

Business customers using SBI corporate internet banking (Vyapaar, Vistaar or Saral) can pay central and state taxes through the same e-Tax route.

SBI Online Payment Check: How to Verify Status and Reprint Receipts

An SBI online payment check depends on where the payment started. Always check here before paying a second time; a pending status often resolves on its own.

To reprint an income tax receipt from SBI: Log in to OnlineSBI, open Enquiries > Status Enquiry, choose the date range and click the tax payment reference number. SBI also offers a Generate Receipt link under the e-Tax section of OnlineSBI.

To confirm the debit: Match the amount and date in your account statement. Our guide to SBI bank statement download shows how to pull it, and you can also check your bank balance online for a quick look.

For income tax credit: Once the challan is processed, the payment appears in your tax credit statement on the e-filing portal. See how to check TDS amount online for where to look.

If money is debited but no receipt appears: Wait before retrying, check the payment history above, and raise a complaint with SBI through its complaint portal (crh.sbi.bank.in) if the status stays unclear.

SBI Bill and Challan Charges and Limits at a Glance

Common Mistakes in SBI Challan Filling and How to Fix Them

• Wrong Act or year on an income tax challan. The e-filing portal now has a Challan Correction service under Services, which allows changes to the year, major head and minor head within a set window after payment. Act fast; the window is short.
• Wrong minor head. Paying self-assessment tax as advance tax (or the reverse) delays the credit match in your return. Correct it through the same Challan Correction service.
• GST challan errors. Banks cannot amend GST challans. Contact GSTN.
• Paying twice after a “pending” status. Check payment history first. A duplicate tax payment usually ends up as a refund claim, which takes far longer than waiting a day.
• Typing the consumer number from memory. Always copy it from the latest bill. A wrong consumer number credits someone else’s account.
• Missing the displayed due date on OnlineSBI. Pay by the date OnlineSBI shows, which already accounts for processing time.

What Experts Say

Tax practitioners consistently point out that most income tax payment problems in 2026 come from the Act selection screen, not from SBI. Choosing the 1961 Act for a current-year advance tax instalment, or the 2025 Act for last year’s self-assessment tax, is the error they correct most often.

Chartered accountants who handle GST for small businesses commonly advise paying online rather than over the counter. The ₹10,000 OTC limit is easy to cross, and online payments generate the CIN immediately.

Practitioners also recommend saving every receipt as a PDF in one folder per financial year. The CIN, BSR code and challan serial number are needed again at return-filing time, and reprinting them months later is slower than keeping the original.

Frequently Asked Questions