Customer Awareness & Safe Banking Guidelines

RBI Kehta Hai - Customer Awareness, Safe Digital Banking and Cyber Security Guidance Banner

Safety Tips for General Banking:

  • Never share sensitive information: Do not disclose ATM / Debit card numbers, Passwords, PINs, OTPs, CVVs, or UPI PINs to anyone. Bank officials never ask for your confidential banking credentials.
  • Avoid using public or unsecured Wi-Fi networks for financial transactions.
  • Do not store sensitive banking passwords or card numbers on mobile notes, email, or digital wallets.
  • If your credentials or card are lost or compromised, immediately inform the bank to hotlist / block your card.
  • Ensure your computer and mobile phone have up-to-date Antivirus and Anti-Spyware software.
  • Regularly monitor your bank statements and ensure your registered mobile number is updated to receive instant SMS transaction alerts.
  • For any immediate assistance or suspicious transaction reporting:
    📞 Phone: 0253-2574256 / 0253-2314438
    📧 Email: admin@godavari.bank.in

Safe Mobile & Internet Banking:

  • Beware of SIM swapping attacks. If your SIM suddenly loses network reception or you receive unexpected messages about SIM replacement, contact your telecom provider immediately.
  • Always password-protect your mobile device using a strong PIN, biometric fingerprint, or face unlock.
  • Download mobile apps only from official, trusted sources like Google Play Store or Apple App Store. Never sideload APKs.
  • Log out of your mobile banking app after completing transactions. Never leave sessions open.
  • Never enable browser auto-fill or save passwords on shared devices.
  • Do not click on links received via SMS, WhatsApp, or email asking to update KYC or claiming your account will be suspended.
  • UPI Safety Guidelines:
    • Remember: You enter your UPI PIN only to SEND money, never to receive money.
    • Always verify the payee name and VPA before authorizing any payment.
    • Never scan random QR codes sent by unknown individuals on WhatsApp or social media.

Customer Protection - Limiting Liability in Unauthorised Electronic Banking Transactions (RBI Directive)

As per RBI guidelines on Customer Protection, in the event of an unauthorised electronic transaction:

  • Zero Liability of Customer: Arises where unauthorized transactions occur due to bank's contributory fraud/negligence/deficiency, or where a third-party breach occurs and the customer reports it to the bank within three working days of receiving SMS notification.
  • Limited Liability: If the delay in reporting is between four to seven working days, customer liability is limited to the transaction value or RBI prescribed limits (whichever is lower).
  • Mandatory 24x7 Reporting: Please notify the bank immediately upon noticing any unauthorized transaction via phone or email to minimize your liability.