Pull your YONO Business statements into your systems

What you can build on YONO Business

• Get an account statement

  Build this

  Generates the account statement for one of your accounts over a date range and reads its transactions and balances.

  Takes

  Account number, from date, to date

  Returns

  Each transaction's date, details, reference, debit, credit and balance; opening and closing balance

• Check a transaction's status

  Build this

  Looks up a payment in the transaction status enquiry and reads where it stands.

  Takes

  Account number, transaction date, amount or reference (optional)

  Returns

  SBI reference number, beneficiary, amount, payment type, status

• Get the MIS report of a bulk upload

  Build this

  Reads the MIS report for a file uploaded in bulk: each uploaded record with its SBI Reference No. and transaction status.

  Takes

  Upload date, file name (optional)

  Returns

  File name, beneficiary, account, amount, SBI reference number, transaction status

• Upload a bulk payment file for authorisation

  Build this

  Uploads a salary or vendor payment file as the Uploader, so that your authorizers can review and approve it in YONO Business.

  Takes

  Debit account, payment file, payment type

  Returns

  File name, file reference, number of records, total amount, status

Automate YONO Business with a workflow

A workflow runs your methods as one process, with nobody at the screen. A schedule or a call from your own system starts it, the steps run in order, and the result arrives in your inbox or in the systems you already use.

• Yesterday's statement lines, posted to accounting

  Build this

  Starts

  Every day at 8:00 Asia/Kolkata

  Step 1

  For each account you name, get the account statement for the previous day.

  Step 2

  Stop when no account has a transaction.

  Step 3

  Post each transaction, with account, date, details, reference, debit, credit and balance, to your accounting system's webhook.

• Unsuccessful records in the day's bulk uploads

  Build this

  Starts

  Every weekday at 17:00 Asia/Kolkata

  Step 1

  Get the MIS report of the files uploaded today.

  Step 2

  Keep the records whose transaction status is not successful.

  Step 3

  Email you the list with file name, beneficiary, amount, SBI reference number and status.

• Weekly account summary for finance

  Build this

  Starts

  Every Monday at 9:00 Asia/Kolkata

  Step 1

  For each account you name, get the account statement for the last 7 days.

  Step 2

  Summarize credits and debits by counterparty and note the largest payments.

  Step 3

  Email you the summary with each account's opening and closing balance.

You can run a workflow by hand on every plan, Free included. Schedules and webhook triggers come with the paid plans, from $29 a month.

Once built, one call from your code

Once you have built a method, it is one POST to /v1/runs from your backend, or a tool an AI agent calls over MCP. This is what “Get an account statement” would look like.

curl https://api.fous.com/v1/runs \
  -H "Authorization: Bearer $FOUS_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "method": "yonobusiness.sbi.bank.in/get_account_statement",
    "input": {
      "account_number": "XXXXXXX4821",
      "from_date": "2026-11-10",
      "to_date": "2026-11-11"
    }
  }'

{
  "status": "completed",
  "data": {
    "account_number": "XXXXXXX4821",
    "account_name": "Acme Industries Pvt Ltd",
    "from_date": "2026-11-10",
    "to_date": "2026-11-11",
    "opening_balance": 1845230.5,
    "closing_balance": 1612480.5,
    "currency": "INR",
    "transactions": [
      {
        "date": "2026-11-10",
        "details": "NEFT to Northwind Traders, invoice 3391",
        "reference": "NEFT000184467",
        "debit": 248750,
        "credit": null,
        "balance": 1596480.5
      }
    ],
    "count": 1
  }
}

An example with invented data, not a ready-made endpoint. The method exists in your organization once you build it, and its name, inputs and fields follow your request.

YONO Business’s own options

SBI offers Payment APIs that let your ERP post payments through YONO Business, after a sandbox, a board resolution for UAT, and an SLA and NDA for production. Connected Banking links a current account to partner platforms, and Host to Host moves files between your ERP and the bank over SFTP. Account statements are generated in YONO Business itself, for a date range you choose.

Read on November 12, 2026: YONO Business: What's new, SBI Corporate Internet Banking services, FAQ on Corporate Internet Banking.

Signing in to YONO Business

YONO Business asks for your user ID and password, then a second step: a mobile OTP by SMS, or a Class 3 Digital Signature Certificate on a smart card or dongle, which is needed at every login once activated. With Fous you sign in once through YONO Business's own sign-in with your own account. The login is sealed with AES-256, and code and AI agents never see it.

Worth knowing

Your product sets what you can do

Khata and Khata Plus are for enquiry only. Bulk file upload is for Vyapaar and Vistaar, and each product has its own per-transaction and daily limits.

Maker, uploader, authorizer

A Maker creates a transaction and one or more Authorizers approve it. An Uploader uploads bulk files. A method acts with your user's role, so an upload still waits for your authorizers.

The MIS report is the record of an upload

The default MIS holds the data you uploaded with the SBI Reference No. and transaction status of each record. Other layouts come through Reverse File Configuration.

Direct taxes start on the tax portal

Income tax is paid from e-Pay Tax on the Income Tax portal by choosing SBI and signing in there. GST starts on the GST portal and customs duty on ICEGATE.

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