| Channels | YONO Business single sign-on spanning Corporate Internet Banking/Net Banking, Cash Management Product, Supply Chain Finance, eTrade and eForex. | Corporate ENet and CBX Internet Banking with desktop/handheld access; HDFC corporate cash-management services and related payment/collection channels are separate connected services. |
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| Eligible relationships | Corporate/business customers with eligible SBI accounts and enrolled modules; new-to-digital sole proprietors can self-onboard using debit-card authentication. | Eligible businesses/corporates with HDFC Bank corporate accounts and activated digital-banking/service rights. |
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| Roles / approvals | Corporate users can be separated into Regulator, Administrator and Authoriser roles with predefined functions mapped to organisational hierarchy. | CBX supports a flexible approval matrix and multi-authorisation aligned to the company's board resolution; ENet access can be customised/restricted by role. |
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| Payments / bulk | SBI-to-SBI, NEFT, RTGS, IMPS, supplier payments, VAN-based payments and bulk payments through file upload are listed among supported services. | Single and bulk payments are supported; CBX covers initiation, verification, authorisation, execution and reconciliation, including future-value-date payment files. |
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| Collections / reconciliation | Cash Management Product, State Bank Collect, VAN-based flows, statements and MIS reports support collections and reconciliation; exact commercial terms depend on the enrolled service. | CMS supports collections/disbursements and detailed MIS; CBX/ENet provide account visibility, statements and transaction status across corporate workflows. |
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| Cash management | YONO Business subsumes SBI's Cash Management Product alongside corporate banking access. | HDFC Bank CMS covers collections, disbursements, liquidity/cash-flow management and centralised reporting. |
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| API / ERP | The reviewed YONO Business overview does not establish a universal API/ERP entitlement for every customer; integration rights are therefore not inferred. | ENet supports integration with third-party security/accounting software; HDFC corporate solutions also support integrated/customised connectivity depending on arrangement. |
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| Limits / controls | Transaction rights are role/account/module specific. No universal corporate rupee ceiling is published on the reviewed overview, so configured limits remain controlling. | Customer-specific roles, approval matrices and service configuration control usable limits; no universal corporate transfer ceiling is inferred. |
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| Charges | No universal platform/transaction fee is asserted; underlying corporate account, CMP and transaction tariffs/agreements remain controlling. | Fees are tied to the corporate account/service agreement and relevant tariff; CMS/payment-gateway commercial terms can be separate. |
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