BEFATHIMMA 
A WhatsApp account may be compromised when another person obtains the registration code, controls the registered SIM, links an unauthorised device or gains access to an unlocked phone. The attacker may then impersonate the account owner, contact family members, request money, change security settings or attempt to collect additional personal information. WhatsApp provides an official … Read more
The Sanchar Saathi portal provides several free telecom-safety services for mobile users in India. Citizens can use it to block a lost or stolen handset, check mobile connections issued in their name, verify a phone’s IMEI and report suspicious calls or messages. The platform is managed by the Department of Telecommunications under the Ministry of … Read more
Bank-account holders in India can now nominate up to four individuals for eligible deposit accounts. The revised nomination framework allows depositors to choose either simultaneous or successive nominations. These provisions came into effect on November 1, 2025, under the Banking Laws (Amendment) Act, 2025 and the Banking Companies (Nomination) Rules, 2025. Nomination can make it … Read more
Bank customers in India may have heard that deposits are insured up to ₹5 lakh. However, this does not mean that every savings account or fixed deposit receives a separate ₹5 lakh cover. Deposit insurance is generally calculated per depositor, per insured bank, for deposits held in the same right and same capacity. Eligible balances … Read more
Incorrect information in a credit report can affect how banks and other lenders assess a loan or credit-card application. Common problems include a closed loan appearing active, an incorrect overdue amount, an account belonging to another person or a repayment update that has not been properly reflected. Customers can raise a dispute with the concerned … Read more
A UPI payment can occasionally fail even after the customer’s bank account has been debited. Depending on the transaction type, RBI’s failed-transaction framework prescribes an outer timeline for completing the payment or reversing the amount. For an eligible UPI fund transfer where the sender’s account is debited but the beneficiary is not credited, the applicable … Read more
The Reserve Bank of India’s UDGAM portal helps members of the public search for unclaimed deposits across participating banks through a single official platform. UDGAM stands for Unclaimed Deposits–Gateway to Access inforMation. The portal can help depositors, nominees and legal heirs identify old bank accounts or deposits that have been transferred to the RBI’s Depositor … Read more
Customers who are unable to resolve a complaint with a bank, eligible NBFC, prepaid-payment issuer or Credit Information Company can use the Reserve Bank of India’s Complaint Management System. The RBI CMS portal provides a centralised facility for filing and tracking eligible complaints under the Reserve Bank–Integrated Ombudsman Scheme, 2026. The service is free. Customers … Read more
PM Vishwakarma is a Central Government scheme providing recognition, skill training, toolkit support, concessional enterprise loans, digital-transaction incentives and marketing assistance to eligible traditional artisans and craftspeople. Eligible Kerala artisans working in one of the 18 notified family-based traditional trades can register through an authorised Common Service Centre using Aadhaar-based biometric authentication. The scheme provides … Read more
Pradhan Mantri Awas Yojana–Urban 2.0 provides housing assistance to eligible urban families who do not own a permanent house anywhere in India. Kerala residents living within eligible municipal corporations, municipalities and other notified urban areas may apply through the official PMAY-U 2.0 portal, a Common Service Centre or the responsible Urban Local Body. The scheme … Read more