Digital Signature Certificate (DSC) for Retail Internet Banking (RIB) FAQs

1. What is a Digital Signature Certificate?

Digital Signature Certificates (DSCs) are the digital equivalent (that is electronic format) of physical or paper certificates. Examples of physical certificates are drivers' licences, passports or membership cards.


Certificates serve as proof of identity of an individual for a certain purpose; for example, a driver's licence identifies someone who can legally drive in a particular country. Likewise, a digital certificate can be presented electronically to prove your identity, to access information or services on the Internet or to sign certain documents digitally.

2. Why is DSC required?

Like physical documents are signed manually, electronic documents, for example e-forms are required to be signed digitally using a DSC.

3. Who issues the DSC?

A licenced Certifying Authority (CA) issues the digital signature certificate. CA is a person who has been granted a licence to issue a DSC under Section 24 of the Indian IT-Act 2000.


The list of licenced CAs along with their contact information is available on the Controller of Certifying Authorities (CCA) portal (

4. How can I get / procure the DSC?

You have to procure the DSC from the CA. The process of Digital Certificate procurement is available with the certifying authorities like e-Mudhra, Safescrypt etc. The detailed list of licenced CAs along with their contact information is available on the Controller of Certifying Authorities (CCA) portal (


After procurement of the DSC, the certificate can be downloaded in to the hard token or can be installed to the PC / laptop. Make sure the token drivers are installed on your system as guided by your Certified Authority.

5. What are the different types of DSCs valid for ICICI Bank RIB?

ICICI Bank RIB supports Class 1, Class 2 and Class 3 types of DSCs.


Class 1 Certificates shall be issued to individuals/private subscribers. These certificates will confirm that user's name (or alias) and e-mail address form an unambiguous subject within the Certifying Authorities database.


Class 2 Certificates will be issued for both business personnel and private individuals use. These certificates will confirm that the information in the application provided by the subscriber does not conflict with the information in well-recognised consumer databases.


Class 3 Certificate will be issued to individuals as well as organisations. As these are high assurance certificates, primarily intended for e-commerce applications, they shall be issued to individuals only on their personal (physical) appearance before the Certifying Authorities.

6. What is the benefit of DSC?

DSC provides an additional level of safety and security for online banking transactions by digitally verifying the financial transactions and encrypting the information such that only intended parties can read it.

7. What is the validity period of a DSC?

The Certifying Authorities are authorised to issue a DSC with a validity of one or two years.

8. What is the legal status of a Digital Signature?

Digital Signatures are legally admissible in a Court of Law, as provided under the provisions of IT Act-2000.

9. How do I register my Digital Signature in ICICI RIB?

Please visit Register Now for the detailed Digital Signature Registration process.

10. How do I log in with a Digital Signature in ICICI RIB?

Once DSC is activated

  • User enters User ID and Password and clicks on the login button.
  • If enabled for DSC, a window will appear to verify the credentials of the digital certificate.

(User has to either install a digital certificate on his/her PC/Laptop or plug-in a hardware device having a certificate.)

11. Do I need my DSC to log in every time?

Yes. Once you have registered DSC, you will need it every time you log in to Internet Banking website. This provides an additional layer of security for your online banking transactions.


In case the User chooses to use the Digital Signature Certificate option to access Retail Internet Banking (RIB), he / she will not be permitted to access the Retail Internet Banking ( on mobile and also the mobile banking site (

12. How do I deregister my DSC from ICICI RIB?

Please visit Deregister Now for the detailed deregistration process of digital certificate.

13. How do I log in if I have lost my DSC or its validity has expired?

You will have to deregister the DSC. To deregister, you will need to call our Customer Care. After successful validation of your credentials, the Digital Certificate will be deregistered.

14. Important Note on System Requirements for DSC

  • Compatible Operating Systems: Microsoft Windows 2000, XP, 2003, Vista, Windows 7
  • Compatible Browsers: Microsoft Internet Explorer 6.0 and above