Mobile banking has brought the bank account in your hand. Today, you can check bank-balance, get a mini statement and transfer fund through the mobile banking. But, what if you don’t have a smartphone or you don’t have the internet? The answer to this problem is the USSD based mobile banking. Just dial the *99# and see the magic. You can do all those things which are available to a person with smartphone and 3G data. Almost every bank including SBI, ICICI, HDFC, PNB, Axis and BOB support *99# USSD mobile banking service.
1. What is *99#?
*99# is a USSD (Unstructured Supplementary Service Data) based mobile banking service
from NPCI that brings together diverse ecosystem partners such as Banks & TSPs (Telecom
Service Providers). Using *99# service, a customer can access financial services by dialling
*99# from his/her mobile registered with the bank. The service works across all GSM service
providers and handsets.
2. What is USSD?
Unstructured Supplementary Service Data (USSD) is a technology unique to GSM (Global
System for Mobile Communications) handsets. It is a capability built into the GSM standard
to support transmitting information over the signalling channels of the GSM network.
USSD provides session based communication, enabling a variety of applications. USSD
technology, which was primarily used in the field of telecommunication, is going to make a
significant impact in the field of banking services.
3. What are the key features of *99# service?
- Works without Internet – Uses voice connectivity
- Accessible through a common code *99# across all TSPs
- No additional charges while roaming for using the service
- Works across all GSM service providers and mobile handsets
- Round the clock availability to customers (works even on holidays)
- No need to install any application on mobile handset to use the service
Additional channel for banking services and key catalyst for financial inclusion
4. What are the various services available under *99#?
*99# service can be used by the customers for the following purposes:
a) Financial
b) Non-Financial
c) Value Added Services (VAS)
Currently, following Financial, Non-financial and Value Added Services (VAS) are offered
through *99# service.
Financial Services
- Fund Transfer using Mobile Number and MMID - User can transfer fund using MMID
and Mobile number of the Beneficiary.
- Fund Transfer using IFSC and Account Number - User can transfer fund using IFS Code
and Account number of the Beneficiary.
- Fund Transfer using Aadhaar Number - User can transfer fund using Aadhaar number
of the Beneficiary.
Non- Financial Services
- Balance Enquiry - User can check available balance of the bank account linked to his/her
mobile number.
- Mini Statement - User can generate mini account statement for the bank account linked
to his/her mobile number.
- Know MMID* (Mobile Money Identifier) - User can know their MMID which was
allotted to him/her by bank during mobile banking registration.
- Generate MPIN - User can Generate or Set his/her MPIN. MPIN or Mobile PIN is like a
password and used for authenticating financial transactions.
- Change MPIN - User can change his/her MPIN. MPIN or Mobile PIN is like a password
and used for authenticating financial transactions.
- Generate OTP - User can generate One Time Password (OTP) which can be used for
different transactions as a second factor of authentication.
*MMID - Mobile Money Identifier is a 7 digits code allotted by the bank when user
registers for mobile banking.
Value Added Services:
Kindly refer FAQs for *99*99# service
5. How can a person use the *99# service?
The service can be availed by dialing *99# from any GSM mobile phone. As a pre-requisite,
the customer is required to register his/her mobile number with his bank for the mobile
banking services. The customers already using mobile banking will be able to use this
service without any additional registration by dialling *99# from their GSM mobile handset.
The customers not registered for mobile banking service will have to contact their respective
banks for mobile banking registration.
6. How can a person perform different type of transactions using *99# services?
Non- Financial Services:
Balance Enquiry: User can check available balance of the bank account linked to
his/her mobile number. The transaction flow to do Balance Enquiry is as follows:
- Dial *99# from your Mobile handset.
- Welcome screen will appear asking you to enter your bank’s 3 letters short name
or first 4 letters of IFSC.
- After entering valid IFS Code or short name, menu will appear with different
options of available services enabled for your bank.
- Enter 1 for Balance Enquiry and submit.
- A confirmation screen will appear displaying the available balance.
Mini Statement: User can generate mini account statement for the bank account
linked his/her to mobile number. The transaction flow to generate Mini Statement is
as follows:
- Dial *99# from your Mobile handset.
- Welcome screen will appear asking you to enter your bank’s 3 letters short name
or first 4 letters of IFSC.
- After entering valid IFS Code or short name, menu will appear with different
options of available services enabled for your bank.
- Enter 2 for Mini Statement and submit.
- A confirmation screen will appear showing the mini-statement.
Know MMID: User can know their MMID which was allotted to him/her by bank
during mobile banking registration. The transaction flow to know MMID is as
follows:
- Dial *99# from your Mobile handset.
- Welcome screen will appear asking you to enter your bank’s 3 letters short name
or first 4 letters of IFSC.
- After entering valid IFS Code or short name, menu will appear with different
options of available services enabled for your bank.
- Enter 6 for Know Your MMID and submit.
- A confirmation screen will appear displaying MMID linked to your account.
Change MPIN: User can change MPIN using this service. This is an additional
security feature for financial transactions. The complete transaction flow to change
MPIN is as follows:
- Dial *99# from your Mobile handset.
- Welcome screen will appear asking you to enter your bank’s 3 letters short name
or first 4 letters of IFSC.
- After entering valid IFS Code or short name, menu will appear with different
options of available services enabled for your bank.
- Enter 7 for Change MPIN and submit.
- Enter old MPIN, new MPIN and confirm.
- A confirmation screen will appear displaying change of MPIN successfully..
Generate OTP: User can generate One Time Password (OTP) which is used for
different transactions as a second factor of authentication. The transaction flow to
generate OTP is as follows:
- Dial *99# from your Mobile handset.
- Welcome screen will appear asking you to enter you bank’s 3 letters short name
or first 4 letters of IFSC.
- After entering valid IFS Code or short name, menu will appear with different
options of available services enabled for your bank.
- Enter 8 for Generate OTP and Submit.
- Enter MPIN.
- A confirmation screen will appear showing the OTP generated for your required action.
Financial Services:
Fund Transfer using MMID and Mobile Number: User can transfer funds by using
MMID and Mobile number of the Beneficiary. The transaction flow for the same is as
follows:
- Dial *99# from your Mobile handset.
- Welcome screen will appear asking you to enter your bank’s 3 letters short name
or first 4 letters of IFSC.
- After entering valid IFS Code or short name, menu will appear with different
options of available services enabled for your bank.
- Enter 3 for Fund Transfer using MMID and Mobile Number and submit.
- Subsequent screen to enter Beneficiary Mobile number, MMID, Amount and
Remarks (Optional) will appear.
- Enter MPIN and last 4 digits of account number (Optional).
- A confirmation screen will appear showing success response.
Fund Transfer using IFSC and Account Number: User can transfer funds by using
IFS Code and Account Number of the Beneficiary. The transaction flow for funds
transfer using Account Number and IFS Code is as follows:
- Dial *99# from your Mobile handset.
- Welcome screen will appear asking you to enter your bank’s 3 letters short name
or first 4 letters of IFSC.
- After entering valid IFS code or short name, menu will appear with different
options of available services enabled for your bank.
- Enter 4 for Fund Transfer using Account Number and IFSC and submit.
- Subsequent screen to enter Beneficiary Account Number, IFS Code, Amount and
Remarks (Optional) will appear.
- Enter MPIN and last 4 digits of account number (Optional).
- A confirmation screen will appear showing success response.
Fund Transfer using Aadhaar Number: User can transfer funds by using Aadhaar
Number of the Beneficiary. The transaction flow for funds transfer using Aadhaar
Number is as follows:
- Dial *99# from your Mobile handset.
- Welcome screen will appear asking you to enter your bank’s 3 letters short name
or first 4 letters of IFSC.
- After entering valid IFS Code or short name, menu will appear with different
options of available services enabled for your bank.
- Enter 5 for Fund Transfer using beneficiary Aadhaar number.
- Subsequent screen to enter Beneficiary Aadhaar Number will appear.
- Enter MPIN and last 4 digits of account number (Optional).
- A confirmation screen will appear showing success response.
Note: The above are the standard process, however for authentication, different banks may use
additional security means such as:
- Enter Last 4 digit of your Account number OR
- Enter User Id
Value Added Services:
Kindly refer FAQs for *99*99# service
7. Does the customer need to register his/her mobile number to avail *99# service?
Yes. Customer is required to register the mobile number with his/her bank for using the *99#
service.
8. Do TSPs (Telecom Service Providers) charge the customer for *99# service?
Yes. TSPs charge the customer for using *99# service. Please contact your Telecom Service
Provider to know the exact charges for using *99# service. However, TRAI (Telecom
Regulatory Authority of India) has set a maximum ceiling of Rs. 1.50 / transaction for using
the *99# service.
9. Is there any transaction limit set for the *99# service?
The RBI guidelines for Mobile Banking Services has prescribed a ceiling of Rs. 5000 per
transaction for financial transactions using *99# service.
10. Is the beneficiary customer also required to register for Mobile Banking services for
receiving the funds using *99# service?
No. Beneficiary is not required to register for receiving funds using Account Number /
Aadhaar Number. However, beneficiary is required to register himself/herself with his/her
bank for mobile banking services for receiving funds using Mobile Number & MMID.
Beneficiary customer should approach his bank for getting MMID.
11. How many Banks and TSPs are currently offering *99# service?
The list of Banks and TSPs offering *99# service is available under the link
http://www.npci.org.in/pro_pb.aspx on NPCI website.
12. What happens if the mobile phone of the customer is lost?
Customer need to inform his/her bank to deactivate Mobile banking services. Though,
financial transactions using *99# service requires two factor authentication (registered
Mobile no. and MPIN); customer should still inform his/her respective bank about the loss.
13. Is there a facility/option available to Stop/Cancel financial transactions initiated using
*99# service?
No. Since the *99# service uses IMPS channel which is an immediate fund transfer service;
hence, it will not be possible to stop/cancel financial transaction after it has been initiated.
14. If I change my Mobile number, do I need to register again for the Mobile Banking?
Yes. The customer needs to register his/her new mobile number with his/her bank for
availing the mobile banking services on his new number.
15. What are the timings for initiating and receiving funds using *99# service?
Fund transfer request can be initiated 24*7 (round the clock) using the *99# service including
on holidays. Similarly, funds remitted using the *99# service can be received by the
beneficiary 24*7 (round the clock).
16. What is MMID?
MMID stands for Mobile Money Identifier. MMID is a 7 digit code issued by the bank to
their customers for availing IMPS. MMID is issued to only to those customers whose
preferred mobile number is registered with the bank. Different MMID’s can be linked to
same Mobile Number (Please contact your bank for the issuance of MMID).
17. What is IFS Code?
The Indian Financial System Code (IFSC) is an 11 digit alphanumeric code that uniquely
identifies a bank-branch participating in the two main electronic funds settlement systems
in India i.e. Real Time Gross Settlement (RTGS) and National Electronic Fund Transfer
(NEFT) systems. IFS Code for different bank-branches is available on the respective bank’s
website, Cheque book, RBI website, etc.
18. Whether *99# service is available both on GSM and CDMA handsets?
No. *99# service is available only on GSM handsets.
19. Where can a customer register complaint w.r.t. *99# transaction?
Customer can log following type of complaints faced while using *99# service:
- Network related - With respective TSPs
- Transaction related - With respective banks
20. What kind of issues are faced by the customer in using *99# service?
While doing transactions on *99#, customers may face following issues:
- Handset Compatibility Issue: Though USSD based transactions works across all GSM
handsets; however, owning to various reasons, sometimes few handsets do not support
USSD service. Though, the numbers of such handset models is few; still users are
requested to check if there handset supports the USSD service (in case they are facing
problems while performing transaction).
- Technical Error or Declined Request: Transaction not getting completed due to
network/connectivity issues at TSPs or Banks end.
- Wrong User Inputs: Transaction will get declined if the user enters wrong information like IFS Code, Account number, MPIN etc.
21. Are there any tips for using *99# service?
- Customer to register himself/herself with his/her respective bank for availing mobile
banking service.
- Keep information like Mobile number, MMID, IFS Code, Account number, Aadhaar
number of the beneficiary and MPIN handy before initiating the transaction.
- Before initiating any transaction, please make sure that the mobile phone is in network
area/range.
USSD Codes Of Different Banks Is As Below:-
* 99* 41# - State Bank of India
* 99* 42# - Punjab National Bank
* 99* 43# - HDFC Bank
* 99* 44# - ICICI Bank
* 99* 45# - AXIS Bank
* 99* 46# - Canara Bank
* 99* 47# - Bank Of India
* 99* 48# - Bank of Baroda
* 99* 49# - IDBI Bank
* 99* 50# - Union Bank of India
* 99* 51# - Central Bank of India
* 99* 52# - India Overseas Bank
* 99* 53# - Oriental Bank of Commerce
* 99* 54# - Allahabad Bank
* 99* 55# - Syndicate Bank
* 99* 56# - UCO Bank
* 99* 57# - Corporation Bank
* 99* 58# - Indian Bank
* 99* 59# - Andhra Bank
* 99* 60# - State Bank Of Hyderabad
* 99* 61# - Bank of Maharashtra
* 99* 62# - State Bank of Patiala
* 99* 63# - United Bank of India
* 99* 64# - Vijaya Bank
* 99* 65# - Dena Bank
* 99* 66# - Yes Bank
* 99* 67# - State Bank of Travancore
* 99* 68# - Kotak Mahindra Bank
* 99* 69# - IndusInd Bank
* 99* 70# - State Bank of Bikaner and Jaipur
* 99* 71# - Punjab and Sind Bank
* 99* 72# - Federal Bank
* 99* 73# - State Bank of Mysore
* 99* 74# - Sout vch Indian Bank
* 99* 75# - Karur Vysya Bank
* 99* 76# - Karnataka Bank
* 99* 77# - Tamilnad Mercantile Bank
* 99* 78# - DCB Bank
* 99* 79# - Ratnakar Bank
* 99* 80# - Nainital Bank
* 99* 81# - Janata Sahakari Bank
* 99* 82# - Mehsana Urban Co-Operative Bank
* 99* 83# - NKGSB Bank
* 99* 84# - Saraswat Bank
* 99* 85# - Apna Sahakari Bank
* 99* 86# - Bhartiya Mahila Bank
* 99* 87# - Abhyudaya Co-Operative Bank
* 99* 88# - Punjab & Maharashtra Co-operative Bank
* 99* 89# - Hasti Co-Operative Bank
* 99* 90# - Gujarat State Co-Operative Bank
* 99* 91# - Kalupur Commercial Co-Operative Bank.
After November 8,2016, Every body is having confusion for choosing a safe, secure, convenient and cashless payment option. Currently available cashless payment systems include credit/debit cards, e-wallets such as Paytm, Unified Payment Interface (UPI), IMPS, USSD, RTGS, and NEFT. Which one should you use and for what kind of transactions?
Below Is the comparison between the all:-
Rupay
The National Payments Corporation of India (NPCI) is a pioneer organization in the field of retail payments in India. It is a body promoted by RBI and has presently ten core promoter banks (State Bank of India, Punjab National Bank, Canara Bank, Bank of Baroda, Union bank of India, Bank of India, ICICI Bank, HDFC Bank, Citibank and HSBC). It has been incorporated as a Section 25 company under Companies Act and is aimed to operate for the benefit of all the member banks and their customers.
The vision of NPCI being able to provide citizens of our country anytime, anywhere payment services which are simple, easy to use, safe, and secure, fast and also cost effective. NPCI aims to operate for the benefit of all the member banks and the common man at large.
Reserve Bank of India, after setting up of the Board for Payment and Settlement Systems in 2005 released a vision document incorporating a proposal to set up an umbrella institution for all the Retail Payment Systems in the country. The core objective was to consolidate and integrate the multiple systems with varying service levels into nation-wide uniform and standard business process for all retail payment systems. This led to the formation of National Payments Corporation of India, (NPCI).
RuPay, a new card payment scheme launched by the National Payments Corporation of India (NPCI), has been conceived to fulfill RBI’s vision to offer a domestic, open-loop, multilateral system which will allow all Indian banks and financial institutions in India to participate in electronic payments.
“RuPay”, the word itself has a sense of nationality in it. “RuPay” is the coinage of two terms Rupee and Payment. The RuPay Visual Identity is a modern and dynamic unit. The orange and green arrows indicate a nation on the move and a service that matches its pace. The color blue stands for the feeling of tranquility which is the people must get while owning a card of the brand ‘RuPay’. The bold and unique typeface grants solidity to the whole unit and symbolizes a stable entity
RuPay is an Indian domestic card scheme conceived and launched by the National Payments Corporation of India (NPCI).It was created to fulfil the Reserve Bank of India’s desire to have a domestic, open loop, and multilateral system of payments in India. RuPay facilitates electronic payment at all Indian banks and financial institutions, and competes with MasterCard and Visa in India.NPCI maintains ties with Discover Financial to enable the card scheme to gain international acceptance.
Benefits of RuPay Card
The Indian market offers huge potential for cards penetration despite the challenges. RuPay Cards will address the needs of Indian consumers, merchants and banks. The benefits of RuPay debit card are the flexibility of the product platform, high levels of acceptance and the strength of the RuPay brand-all of which will contribute to an increased product experience.
Visa Cards
Visa is a global payments technology company that connects consumers, businesses, banks and governments in more than 200 countries and territories, enabling them to use digital currency instead of cash and checks.
Visa has built one of the world's most advanced processing networks. It's capable of handling more than 24,000 transactions per second, with reliability, convenience and security, including fraud protection for consumers and guaranteed payment for merchants.
Visa does not issue cards, extend credit or set rates and fees for consumers. Visa's innovations, however, enable its bank customers to offer consumers more choices: Pay now with debit, ahead of time with prepaid or later with credit products.
Governments around the world have switched to digital currency instead of checks for benefits payments and purchasing in order to increase efficiency and lower costs, saving taxpayers money.
Visa is giving more people in more places access to electronic payments. From the world's major cities to remote areas without banks, people are increasingly relying on digital currency along with mobile technology to use their money any time, make purchases online, transfer funds across borders and access basic financial services. All of which makes their lives easier and grows economies.
Visa Debit/Credit Card Customer Care Contact Details:-
Visa Debit/Credit Card Customer Care Contact Number:-Access Code 000 117 then 866 765 9644.
To Check Latest Offers On Visa Cards click here
To Check Security Features On Visa Cards click here 
Why this scheme?
The incidence of fake Indian currency notes in higher denomination has increased. For ordinary persons, the fake notes look similar to genuine notes, even though no security feature has been copied. The fake notes are used for antinational and illegal activities. High denomination notes have been misused by terrorists and for hoarding black money. India remains a cash based economy hence the circulation of Fake Indian Currency Notes continues to be a menace. In order to contain the rising incidence of fake notes and black money, the scheme to withdraw has been introduced.
What is this scheme?
The legal tender character of the notes in denominations of Rs 500 and Rs1000 stands withdrawn. In consequence thereof withdrawn old high denomination (OHD) notes cannot be used for transacting business and/or store of value for future usage. The OHD notes can be exchanged for value at any of the 19 offices of the Reserve Bank of India or at any of the bank branches or at any Head Post Office or Sub-Post Office.
How much value will I get?
You will get value for the entire volume of notes tendered at the bank branches / RBI offices.
Can I get all in cash?
No. You will get upto Rs 4000 per person in cash irrespective of the size of tender and anything over and above that will be receivable by way of credit to bank account.
Why I cannot get the entire amount in cash when I have surrendered everything in cash?
The Scheme of withdrawal of old high denomination(OHD) notes does not provide for it, given its objectives.
Rs 4000 cash is insufficient for my need. What to do?
You can use balances in bank accounts to pay for other requirements by cheque or through electronic means of payments such as Internet banking, mobile wallets, IMPS, credit/debit cards etc.
What if I don't have any bank account?
You can always open a bank account by approaching a bank branch with necessary documents required for fulfilling the KYC requirements.
What if, if I have only JDY account?
A JDY account holder can avail the exchange facility subject to the caps and other laid down limits in accord with norms and procedures.
Where can I go to exchange the notes?
The exchange facility is available at all Issue Offices of RBI and branches of commercial banks/RRBS/UCBs/State Co-op banks or at any Head Post Office or Sub-Post Office.
Need I go to my bank branch only?
For exchange upto 4000 in cash you may go to any bank branch with valid identity proof.
For exchange over 4000, which will be accorded through credit to Bank account only, you may go to the branch where you have an account or to any other branch of the same bank.
In case you want to go to a branch of any other bank where you are not maintaining an account, you will have to furnish valid identity proof and bank account details required for electronic fund transfer to your account.
Can I go to any branch of my bank?
Yes you can go to any branch of your bank.
Can I go to any branch of any other bank?
Yes, you can go to any branch of any other bank. In that case you have to furnish valid identity proof for exchange in cash; both valid identity proof and bank account details will be required for electronic fund transfer in case the amount to be exchanged exceeds Rs 4000
I have no account but my relative / friend has an account, can I get my notes exchanged into that account?
Yes, you can do that if the account holder relative/friend etc gives you permission in writing. While exchanging, you should provide to the bank, evidence of permission given by the account holder and your valid identity proof.
Should I go to bank personally or can I send the notes through my representative?
Personal visit to the branch is preferable. In case it is not possible for you to visit the branch you may send your representative with an express mandate i.e. a written authorisation. The representative should produce authority letter and his / her valid identity proof while tendering the notes.
Can I withdraw from ATM?
It may take a while for the banks to recalibrate their ATMs. Once the ATMs are functional, you can withdraw from ATMs upto a maximum of Rs.2,000/- per card per day upto 18th November, 2016. The limit will be raised to Rs.4000/- per day per card from 19th November 2016 onwards.
Can I withdraw cash against cheque?
Yes, you can withdraw cash against withdrawal slip or cheque subject to ceiling of Rs10,000/- in a day within an overall limit of Rs.20,000/- in a week (including withdrawals from ATMs) for the first fortnight i.e. upto 24th November 2016.
Can I deposit withdrawn notes through ATMs, Cash Deposit Machine or cash Recycler?
Yes, OHD notes can be deposited in Cash Deposits machines / Cash Recyclers.
Can I make use of electronic (NEFT/RTGS /IMPS/ Internet Banking / Mobile banking etc.) mode?
You can use NEFT/RTGS/IMPS/Internet Banking/Mobile Banking or any other electronic/ non-cash mode of payment.
How much time do I have to exchange the notes?
The scheme closes on 30th December 2016. The OHD banknotes can be exchanged at branches of commercial banks, Regional Rural Banks, Urban Cooperative banks, State Cooperative Banks and RBI till 30th December 2016.
For those who are unable to exchange their Old High Denomination Banknotes on or before December 30, 2016, an opportunity will be given to them to do so at specified offices of the RBI, along with necessary documents as may be specified by the Reserve Bank of India.
I am right now not in India, what should I do?
If you have OHD banknotes in India, you may authorise in writing enabling another person in India to deposit the notes into your bank account. The person so authorised has to come to the bank branch with the OHD banknotes, the authority letter given by you and a valid identity proof (Valid Identity proof is any of the following: Aadhaar Card, Driving License, Voter ID Card, Pass Port, NREGA Card, PAN Card, Identity Card Issued by Government Department, Public Sector Unit to its Staff)
I am an NRI and hold NRO account, can the exchange value be deposited in my account?
Yes, you can deposit the OHD banknotes to your NRO account.
I am a foreign tourist, I have these notes. What should I do?
You can purchase foreign exchange equivalent to Rs 5000 using these OHD notes at airport exchange counters within 72 hours after the notification, provided you present proof of purchasing the OHD notes.
I have emergency needs of cash (hospitalisation, travel, life saving medicines) then what I should do?
You can use the OHD notes for paying for your hospitalisation charges at government hospitals, for purchasing bus tickets at government bus stands for travel by state government or state PSU buses, train tickets at railway stations, and air tickets at airports, within 72 hours after the notification.
What is proof of identity?
Valid Identity proof is any of the following: Aadhaar Card, Driving License, Voter ID Card, Pass Port, NREGA Card, PAN Card, Identity Card Issued by Government Department, Public Sector Unit to its Staff.
RBI starts helpline number for citizens who may face any difficulties.
Citizens can reach out to RBI on 022-22602201 & 022-22602944 
Being a victim of a scam is never a pleasant experience. Follow these simple guidelines to protect yourself online and create the best possible shopping experience. If the site you’re viewing feels suspicious, take a moment to research and investigate it before making a purchasing decision.
How To check that URL/Website is fake/fraud or ok?
1. Before checking name of any website, first look for the domain extension i.e .com, .org, .co.in, .net, .in etc.
The name just before extension is the DOMAIN NAME of the website.
Eg: www.domainname.com
E.g., in http://amazon.diwali-festivals.com, the word before .com is "diwali-festivals" (and NOT "amazon").
AMAZON word is seperated with ( . ) dot So, this webpage does not belong to amazon.com, but it belongs to "diwali-festivals.com", which most of us haven't heard of before.
You can similarly check for fraudulent (so-called) banking websites.
Before your e-banking login, make sure that the name just before ".com" is the name of your bank.
Eg:
"something.icicibank.com" belongs to +ICICI*,
but "icicibank.something.com" belongs to something and not icicibank.
"icicibank.com.nu" belongs to "com"!
2. There can also be a typo in domain done purposly to confuse user to do phishing. Eg: www.facebookk.com or faceb00k.com does not relates to facebook.com
3. Nowdays you may have also seen various spam messages forwarded by users claiming to get free mobile or mobile phone at Rs.250/- or Free Talktime etc.
Before attempting to forward such messages, always check for domain name and website. Inputing data and doing some task as said on their website may result in your smartphone infected by some malware. There are several scripts present on such website which may be executed. So Beware and dont fall in such trap. There is nothing FREE in this world.
4. Also please check before downloading apk or android apps for smartphone. http://googleplay.com/store/apps/com.ife.google
Does not belongs to Google, it belongs to googleplay.com which is not owned by Google.
But http://play.google.com/store/apps/com.ife.google belongs to Google.
Many Times you got messages regarding deals or free products on whatsapp/facebook which are actualy scams so you can check those links accordingly.
You can check authenticity of any website/URL here or here 
Standard Chartered Bank
Standard Chartered PLC is a British multinational banking and financial services company headquartered in London. It operates a network of more than 1,200 branches and outlets (including subsidiaries, associates and joint ventures) across more than 70 countries and employs around 87,000 people. It is a universal bank with operations in consumer, corporate and institutional banking, and treasury services. Despite its UK base, it does not conduct retail banking in the UK, and around 90% of its profits come from Asia, Africa and the Middle East.
Standard Chartered has a primary listing on the London Stock Exchange and is a constituent of the FTSE 100 Index. It had a market capitalisation of approximately £33 billion as of 23 December 2011, the 13th-largest of any company with a primary listing on the London Stock Exchange.It has secondary listings on the Hong Kong Stock Exchange and the National Stock Exchange of India. Its largest shareholder is the Government of Singapore-owned Temasek Holdings
The Standard Bank was a British bank founded in the Cape Province of South Africa in 1862 by Scot, John Paterson. Having established a considerable number of branches, Standard was prominent in financing the development of the diamond fields of Kimberley from 1867 and later extended its network further north to the new town of Johannesburg when gold was discovered there in 1885. Half the output of the second largest gold field in the world passed through The Standard Bank on its way to London. Standard expanded widely in Africa over the years, but from 1883 to 1962 was formally known as the Standard Bank of South Africa. In 1962 the bank changed its name to Standard Bank Limited, and the South African operations were formed into a separate subsidiary which took the parent bank's previous name, Standard Bank of South Africa Ltd.
Standard Chartered Bank Customer Care Contact Details:-
Phone banking numbers:-
Ahmedabad, Bangalore, Chennai, Delhi, Hyderabad, Kolkata, Mumbai, Pune 6601 4444 / 3940 4444
Allahabad, Amritsar, Bhopal, Bhubaneswar, Chandigarh, Cochin / Ernakulam,
Coimbatore, Indore, Jaipur, Jalandhar, Kanpur, Lucknow, Ludhiana, Nagpur,
Patna , Rajkot, Surat, Vadodara 6601 444 / 3940 444
Gurgaon, Noida 011 - 39404444 / 011 - 66014444
Jalgaon, Guwahati, Cuttack, Mysore, Thiruvananthpuram, Vishakhapatnam,
Mathura, Proddatur, Dehradun, Saharanpur 1800 345 1000
(For domestic dialing within India only)
Siliguri 1800 345 5000
(For domestic dialing within India only)
Email ID:-customer.care@sc.com
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For Credit Card related complaints write mail at card.services@sc.com 
UCO Bank
Founded in 1943, UCO Bank is a commercial bank and a Government of India Undertaking. Its Board of Directors consists of government representatives from the Government of India and Reserve Bank of India as well as eminent professionals like accountants, management experts, economists, businessmen, etc.
RBL Bank
RBL Bank Limited ((Formerly known as The Ratnakar Bank limited) is a scheduled commercial bank headquartered in the Kolhapur region of Maharashtra.
RBL Bank is one of India’s fastest growing scheduled commercial banks. It is continuously expanding its presence across India through a growing network of branches and ATMs.
Established in 1943, RBL Bank undertook a transformational journey under a new management team in 2010. It embarked on an aggressive growth plan based on a robust platform of professional governance, relationships, technology infrastructure, high quality capital and geographic expansion. Over the last five years, some of the most notable global and domestic names have infused capital of over Rs. 1,500 Crores, taking TIER 1 capital to Rs. 2,200 Crores (approx).
Today, RBL Bank offers specialized services under five business verticals namely: Corporate & Institutional Banking, Commercial Banking, Retail Banking, Agri & Development Banking and Financial Markets. The Bank currently serves more than 14,00,000 customers and has a total business size of over Rs. 31,000 Crores.
As of May 2015, RBL Bank has grown to a network of 183 branches and 351 ATMs across 13 Indian states.
RBL Bank is a full service Bank offering banking products and services to large corporations, small and medium enterprises("SMEs"), agricultural customers, retail customers and development banking & financial inclusion (low income) customers. It has been rated India’s Best Bank (Growth) in the mid-sized bank segment by Business Today-KPMG study for three consecutive years, FY12, FY13 and FY14.
RBL Bank business lines consists of corporate and institutional banking (C&IB), commercial banking (CB), business banking (BB), retail banking (RB), agribusiness banking (AB), development banking and financial inclusion (DB&FI) and treasury and financial markets operations
The Bank currently services approximately 1 million customers and has a total business size of over Rs. 20,000 Cr. Over the last three years, it has infused capital of over Rs. 1,500 Cr, taking the TIER 1 capital to approximately Rs. 2,000 Cr.
RBL Bank Customer Care Contact Details:-
Customer Service Helpline No.:-1800-123-8040/+91 22 61156300 to 99
Credit Card Helpline No.:-1800-121-9050
Email: customercare@rblbank.com 
Indian Overseas Bank
Indian Overseas Bank (IOB) is a major public sector bank based in Chennai (Madras), with about 3700 domestic branches, including 1150 branches in Tamil Nadu, 3 extension counters, and eight branches and offices overseas as of 30 September 2014. Indian Overseas Bank has an ISO certified in-house Information Technology department, which has developed the software that its branches use to provide online banking to customers; the bank has achieved 100% networking status as well as 100% CBS status for its branches. IOB also has a network of about 3300 ATMs all over India.
IOB has branches in Singapore, Hong Kong, Colombo, Seoul, and Bangkok. It has representative offices in Guangzhou, Vietnam, and Dubai. IOB also is part-owner of a joint-venture bank in Malaysia.
In 2000, IOB engaged in an initial public offering (IPO) that brought the government's share in the bank's equity down to 75%. In 2001 IOB acquired the Mumbai-based Adarsha Janata Sahakari Bank, which gave it a branch in Mumbai. Then in 2009 IOB took over Shree Suvarna Sahakari Bank, which was founded in 1969 and had its head office in Pune. Shree Suvarna Sahakari Bank had been in administration since 2006. It had nine branches in Pune, two in Mumbai and one in Shirpur. The total employee strength was estimated to be little over 100.
IOB opened an extension counter at New Kathiresan Temple complex, Bambalapitiya, Ceylon, on 29 August 2003.
In 2005 IOB opened a representative office in Guangzhou, China. The next year IOB opened another representative office, this time in Kuala Lumpur.
In the new millennium, international expansion picked up once again. In 2007, IOB took over Bharat Overseas Bank. Three years later, Malaysia awarded a commercial banking license to a locally incorporated bank to be jointly owned by Bank of Baroda, Indian Overseas Bank and Andhra Bank. The new bank, India International Bank (Malaysia), commenced operations in 2012 in Kuala Lumpur, which has a large population of Indians. Andhra Bank holds a 25% stake in the joint-venture, Bank of Baroda owns 40%, and IOB the remaining 35%.
IOB opened an Offshore Banking Unit in Colombo, Sri Lanka, on 31 August 2013. The bank also upgraded its existing Extension Counter at Bambalapitiya into a full-fledged branch.
Indian Overseas Bank Customer Care Contact Details:-
Customer Care Helpline No.:-18004254445
Credit Card Helpline No.:-18004257744
Complaint Against Corruption Toll Free No.:-18004253402
To find your nearest IOB branch click here 
