RBI Nationwide Intensive Awareness Programme 2022

RBI Nationwide Intensive Awareness Programme 2022

In this digital era, we are seeing a substantial transformation in the financial sector, and it becomes imperative that we educate customers accordingly. The Reserve Bank of India has been taking several initiatives in this accord to improve customer awareness on extant regulations such as customer rights, grievance redress mechanisms and safe banking practices.


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Do’s and Don’ts for safer digital banking



  • Always go to official websites of banks/service provider and use websites which are secured for e.g. https:// - where 's' stands for secured website.
  • Log out of all payment/financial apps from your mobile/laptop/PC if they are facing technical glitches or while downloading apps.
  • Check the spellings of websites/URLs being accessed to avoid fraudulent, fake and look-alike websites like banks or e-commerce platforms.
  • Be careful while clicking on shortened URLs / google forms received through SMS/ Whatsapp/ email, etc.
  • Block/Unsubscribe/ report as spam mails providing links to banks/ecommerce/search engine websites.
  • Be careful while buying/selling products online. To receive money through UPI there is no need to enter PIN/password.
  • Contact your mobile operator immediately if there is no mobile network on your phone for a considerable period in a regular environment.
  • Check SMS/emails regularly to ensure that no OTP is generated without your prior knowledge.
  • Before transacting with any company, verify if they are registered and licensed entity.
  • Turn on two factor authentication wherever such facility is available.
  • While using ATM, cover keypad with your other hand while entering PIN.
  • If cash is not dispensed, press ‘Cancel’ on ATM and leave only after the home screen appears.
  • Note that customer care numbers are never in the form of mobile numbers.
  • While depositing cash in CDM, ensure that the cash is accepted by the machine before leaving the premises.
  • Always check whether any extra device is attached near card insertion slot or keypad of ATM machine.



  • Don't trust strangers and take help from them at ATMs as the credentials may get stolen.
  • Don't share details of SIM card and mobile number or write PIN on ATM card or save details on websites/devices/public laptops/desktops.
  • Don't get trapped by offers from persons posing as call centre agents from banks, insurance, government etc. and don't get pressurised/tricked into sharing username, password, card details/PIN/CVV/OTP, date of birth,Aadhaar number, names of family members, etc.
  • Don't search for contact details of service providers from search engines, SMS, social media, emails, etc.
  • Don't click on unknown/unverified links and Don't download apps from unverified sources on advice of unknown people.
  • Don't permit your bank accounts/ATM cards to be used by others, for a commission or otherwise, which may lead to police investigation due to misuse of bank account for routing money.
  • Don't respond to calls/emails/SMS seeking your KYC details/account details/ATM card details/PIN/CVV/ OTP details.
  • Don't respond to messages claiming that huge amount is lying with RBI and some amount needs to be transferred to get it released.
  • Don't get defrauded by paying upfront loan processing fee in cash.
  • Don't respond to messages offering/promising prize money, government aid and KYC updation to receive money/recharge mobile balance/to get a job.
  • Don't make payments or enter secure credentials against online offers of loans at low interest rate/ secure instant loan.
  • Don't use screen sharing apps on the same device where financial apps are being used.
  • Don't scan QR codes using unknown payment apps which may be used for transferring money out after keying in the UPI PIN.
  • Don't use public charging points or unsecured WiFi as they can be used to transfer malware and take control of data from the phone.