Secure your computer
Do not miss important banking signposts designed to provide you information to detect a fraud
Be careful while travelling
Phishing is the attempt to acquire sensitive information such as usernames, passwords, and credit card details (and sometimes, indirectly, money), often for malicious reasons, by masquerading as a trustworthy entity in an electronic communication.
Vishing is the act of using the telephone in an attempt to scam the user into surrendering private information that will be used for identity theft. The scammer usually pretends to be a legitimate business, and fools the victim into thinking he or she will profit.
SMShing is the mobile phone version of phishing. An example of SMShing fraud would be a text message that appears to be sent from a legitimate source, such as a bank or credit card company, that urgently requests the recipient to call a phone number or follow a link in the message. The phone number or website will then ask for sensitive account or personal information.
Malware is an umbrella term used to refer to a variety of forms of hostile or intrusive software, including computer viruses, worms, trojan horses, ransomware, spyware, adware, scareware, and other malicious programs.
Ransomware is a security threat that has data-kidnapping capabilities. Ransomware is a malicious software that denies you access to your computer or files until you pay a ransom.
E-mail Spoofing is the forgery of an e-mail header so that the message appears to have originated from someone or somewhere other than the actual source. Distributors of spam often use spoofing in an attempt to get recipients to open, and possibly even respond to, their solicitations. Spoofing can be used legitimately.
Shoulder surfing, in computer security refers to using direct observation techniques, such as looking over someone's shoulder, to get information. It is commonly used to obtain passwords, PINs, security codes, and similar data.
RBI has cautioned the members of public not to fall prey to fictitious offers / lottery winnings / remittance of cheap funds in foreign currency from abroad circulated by certain foreign entities / individuals, including Indian residents acting as representatives of such entities / individuals. These entities make offers through letters or e-mails of huge amounts of money in foreign currency on the pretext of helping the recipients in their business or ventures in India.
The fraudsters seek victims’ bank details under different heads such as deposits, processing fees/ transaction fees/tax clearance charges/ conversion chares, clearing fees etc. These offers are generally made through letters, e-mails, mobile phones, SMSs, etc.
Remittance in any form towards participation in lottery schemes is prohibited under Foreign Exchange Management Act, 1999. These restrictions are also applicable to remittances for participation in lottery-like schemes operating under different names, such as money circulation scheme or remittances for the purpose of securing prize money or awards.
It is advised that all customers of the bank exercise due caution and be extra vigilant in their dealings.
Handset/ Mobile Browser Settings
Install anti-virus software on your mobile handset to protect against viruses. If already installed, then ensure its updations on a timely manner.
Download and run security updates and patches on your mobile browser. This helps in protection from known possible security problems.
Install a firewall on your mobile handset or enable the same if your handset comes with a firewall.
Remove all the temporary internet files after using mobile banking services.
Delete the browsing history of your mobile browser on a regular basis.
Emails/ Data/ Links/SMS from Unknown Sources
Do not open attachments or links from unknown sources. This helps in protection from viruses or other unwanted problems.
Type in the URL for mobile banking in the mobile browser, instead of clicking on any link. This will ensure access of the authentic website of the bank.
Ensure that Mobile banking app is downloaded from relevant App Store. (Eg: PlayStore for Android OS)
Update to latest version of Mobile banking app when ever it is available in relevant App store
Act with caution while installing any third party software on your mobile handset to avoid spyware. Do not install pirated software or software from unknown sources.
Delete spam messages.
Be aware of the potential for fraudulent SMS messages. The Bank will never request or invite customers to logon to its mobile banking service via a SMS message.
Check that the security padlock on your internet browser is “locked” to ensure the connection is secure and protected by SSL. You should also check that the URL starts from ‘https’ and not ‘http’.
The bank shall not be liable for any loss/damages due to any attempt from Mobile App run on the "Jailbroken" or "Rooted" Mobile devices.