Awareness library
Long-form, independently researched explainers on how fraud works, how India’s payment routing works, and how to keep a clear head when money is on the line. Every guide is published in full in English, Bengali and Hindi.
Lost money to UPI fraud, a wrong transfer or a fake trading app? See what RBI’s rules give you, your exact deadlines and any compensation due, then build ready-to-send letters for your bank, its nodal officer, the police and the payment gateway.
Open the toolLost money to a scam? Call 1930, tell your bank, report at cybercrime.gov.in and save your evidence before it disappears. A checklist for the first 24 hours.
Read the guideOfficial cyber crime police station emails for West Bengal, Delhi, Maharashtra and UP, grievance contacts for 11 banks, and a complaint letter you can send in one click.
Open the directoryFree UPI scammer checker: spot red flags in a UPI ID or payment link, check SEBI @valid handles, count down your RBI reporting deadline and draft your complaint.
Open the checkerA QR code is for paying, never for receiving money. Four rules to stop QR and UPI PIN scams, a one-minute quiz, and a card that bank staff can print for the counter.
Read the guideScammers copy a family member’s voice with AI and ask for urgent money. A 60-second check, a family code-word plan, what the RBI’s rules say about refunds, and a counter checklist for bank staff.
Read the guidePay up to ₹1,000 without a PIN, from a balance of up to ₹5,000. The current RBI and NPCI limits, what to do if your phone is lost, a safety check, and a counter checklist for bank staff.
Read the guideMoney debited but the UPI payment failed? The RBI’s T+1 and T+5 refund limits, ₹100 a day for delays, a deadline checker, and how to escalate to the Ombudsman.
Read the guideChange the mobile number on your SBI account online, at an SBI ATM or at the branch. Which way suits you, a printable request letter, and what to update afterwards.
Read the guideNo police force arrests anyone on a video call. A red-flag check, what to do during the call and after paying, the Supreme Court’s orders, and the RBI compensation rule from 2027.
Read the guideUpdate your bank KYC the RBI way: which documents you need, when a self-declaration is enough, a free letter you can print in English, Bengali or Hindi, what the bank must do and where to complain.
Make the letterNo transaction for two years and the account stopped working? What the RBI's 2025 rules say, the free activation, the 3-working-day deadline, and a printable slip for the counter.
Open the checklistWhat the RBI’s 2025 rules ask for when a family claims a deceased person’s bank account, with or without a nominee: the documents, the 15-day deadline and compensation for delay, with a checklist tool.
Open the checklistModern fraud rarely hacks a bank. It hacks a person — with a script, a deadline and a borrowed uniform. How digital arrest hoaxes, phishing links and reverse-charge payment traps actually work, step by step, and the exact moment each one can be stopped.
Read the guideEvery rupee that moves between Indian banks follows a route written in code. What IFSC, MICR and SWIFT codes each identify, how the RBI and NPCI secure the clearing route, and exactly what to do, step by step, if a transfer lands in the wrong account.
Read the guideScams do not defeat your intelligence; they bypass it, by triggering the two oldest impulses we have. What the Bhagavad Gita and the Upanishads observed about fear, greed and discernment — and a practical checklist for pausing before any money moves.
Read the guideBank mergers and IFSC codes: Emirates NBD into RBL Bank (approved, effective 1 December 2026), rural banks merged in 11 states (2025), and the public sector bank codes that no longer work.
Read the guideMost queues and misunderstandings at a bank branch can be sorted out before they start. What customers can prepare, how counter staff can manage pressure, and where to complain when a problem is not solved, on one page.
Read the guideFacts in these guides were checked against Reserve Bank of India, NPCI and Government of India sources in October 2026. Rules and limits change — confirm the current position with your bank or at rbi.org.in before acting on a specific figure.