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SBI account holders alert! Bank organising special 'customer meet' across the country on Friday

timesnownews.com

Nov 22, 2019 8:03 AM


Under this initiative, SBI customers can interact with the bank staff to discuss their concerns or problems regarding their account, transactions or banking service. Customers can also share feedback.


New Delhi: India's largest lender, State Bank of India (SBI) is organising a ‘Customer Meet’ nationally on Friday (November 22, 2019) in order to engage with its customers to further enhance their banking experience and provide better service delivery. As per the SBI website, the meet will start 4:30 pm onwards.

In the special meet, the bank will inform customers about the benefits and convenience of using digital payment modes and safe digital banking practices to be followed while undertaking transactions so as to avoid frauds and scams. Through this initiative, the bank aims to engage with customers at 517 locations from 17 Local head offices (LHOs) of SBI across the country.

Bank said in the announcement, "We invite all out customers to our Customer Meet, where you can voice your views, share experiences and give your valuable feedback. We're sure, this interaction will help us serve you better and make banking with us an enjoyable experience." For venue details, customers can either visit bank.sbi or call on 1800 112 211. Here is a list of the venues for this meet.

As per the bank. the meetings will be addressed by the senior functionaries of the bank. Under this initiative, SBI customers can interact with the bank staff to discuss their concerns or problems regarding their account, transactions or banking service. Customers can also share feedback and suggestions on the banks’ products and services.

On the announcement, P. K. Gupta, MD – Retail & Digital Banking, SBI said, “Customer engagement is an on-going process which is SBI’s utmost priority. Their valued feedback and suggestions help the bank to offer quality banking experience. The bank is always committed to providing hassle-free banking services to its customers.”

It is worth mentioning that recently, SBI reduced the SBI savings account interest rate to 3.25 per cent on all those SBI accounts that has deposits below Rs 1 lakh. The new interest rate has become effective from 1st November 2019 on all SBI savings account having deposits less than Rs 1 lakh.





 

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Will return money to affected customers: SBI

timesofindia.com

Nov 20, 2019 1:07 PM

[https://res]

Representative image

AGARTALA: Even as a Bengal police team nabbed four foreign nationals on Tuesday, two days after nearly Rs 1 crore was skimmed for around 60 accounts in Agartala, the SBI local authorities have announced that the PSU bank will return the money lost by all its customers. The SBI has also assured that all necessary steps have been taken on an emergency basis to protect the interest of the customers.

A joint team of Tripura, Assam and Bengal police while verifying the CCTV footage identified the fraudsters, who had committed the same crime in Guwahati in August this year. The crime branch of Guwahati police had issued a lookout notice detailing their passport and visa details.

In Assam this gang was involved in 46 cases and money from Assam banks were withdrawn from Mumbai and other places. Tripura cybercrime wing SP Sharmistha Chakraborty told the media that the preliminary probe established that Turkish nationals were involved in skimming of lakhs of rupees of bank customers in Assam.

"For the last three months the Turkish duo remained untraced and, ostensibly, were moving in the country, especially in Northeast and West Bengal and carrying out their cloning operations with impunity," Chakraborty said.

The Turkish nationals had come to Tripura and stayed here for a few days and planted skimmers and cameras in the ATMs in the city and then went back to Kolkata to empty out the depositors' money. The fraudsters had attached skimming devices in several ATMs in the city on Friday, police said.

A skimming device was put on ATM key pads and a thin cloning device was attached to the card punching point of the machines in several booths. The devices were able to clone the cards as soon as someone punched card and the moment the PIN was keyed in it was transmitted to the hackers.

Allegations of similar cloning of cards were reported from some POS machines, including branded food and shopping outlets, in city.






 

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The hospital administration has already approached the Economic Offences Wing of Delhi Police seeking an investigation into the scam. (HT)


The hospital administration has already approached the Economic Offences Wing of Delhi Police seeking an investigation into the scam. (HT)

AIIMS falls prey to banking fraud, loses over ₹12 crore; SBI issues alert to all its branches
2 min read . Updated: 29 Nov 2019, 08:42 PM ISTPayal Banerjee , PTI
  • Banks also send an SMS alert to account holder when cheques are received in clearing
  • A bank official said that cheques amounting to ₹25,000 and more are examined under ultraviolet lamp

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AIIMSSBI


NEW DELHI : India's premier medical institute AIIMS fell prey to a banking fraud as over ₹12 crore has been stolen from its two bank accounts with the State Bank of India by allegedly using "cloned cheques" over the past one month, official sources said.
The money has been siphoned off from the bank accounts the AIIMS has with the State Bank of India (SBI) from its non-home branches in other cities, the sources told PTI.
Even after the fraud came to light, attempts were made to illegally withdraw over ₹29 crore allegedly using cloned cheques from SBI's non-home branches located in Dehradun and Mumbai in the last one week.
However, the attempts were foiled.
The hospital administration has already approached the Economic Offences Wing of Delhi Police seeking an investigation into the scam.

According to an official, fraud cheque leaves presented at SBI's branches passed UV ray tests, and in most of the cases, the original cheque leaves with same series were still in the possession of the institute, the AIIMS said in a report to the health ministry.
It said the SBI has failed to follow verification protocol while clearing cheques at non-home branches and asked the bank to deposit the stolen amount.
The sources said the fraudsters attempted to withdraw over ₹20 crore from a non-home branch of SBI in Dehradun while ₹9 crore was attempted to be stolen from a branch of the bank in Mumbai.
"Prima facie there is no evidence suggesting direct role or complicity of AIIMS officials as the signatures of authorised signatories also seem to be forged.

"The payments released or stopped can straight away be attributed to failure of control mechanism in SBI bank and its branches. Hence, the loss doesn't pertain to AIIMS," the AIIMS said in its report.
The sources said over ₹7 crore was fraudulently withdrawn from the institute's main account with the SBI which is operated by the AIIMS Director. Another amount of ₹5 crore was taken out from another account held by the Dean, Research of AIIMS.
After the fraud came to light, the SBI has alerted all its branches and has advised its employees against paying high value cheques issued by AIIMS, New Delhi.
"Branches not to pay high value cheques issued by AIIMS, New Delhi, A/c No. 10874584010 maintained with AIIMS New Delhi Branch (01536).

"Huge number of cloned cheques paid across the country -- AGM, Fraud Monitoring Cell," read a message circulating in the internal whatsapp group of the SBI's staff.
Further, the bank has sent an alert message which is popping up as soon as employees working in the transaction department open their systems.
As per instructions of the bank, if a cheque worth over ₹2 Lakh is presented at any non-home branch, then it has to contact the customer to get a confirmation before clearing the cheque or even transferring money, said an SBI official.
Additionally, the non-home branches are required to contact the home branch to confirm the details of the account holder in case of high-value cheques.
Banks also send an SMS alert to account holder when cheques are received in clearing.

A bank official said that cheques amounting to ₹25,000 and more are examined under ultraviolet lamp.
Also, as per the instructions of the Reserve Bank of India, if a bank fraud of beyond ₹3 crore is reported then the bank registers a complaint with the CBI.
It is not immediately known whether the SBI has approached the CBI in the current case.


AIIMS falls prey to banking fraud, loses over ₹12 crore
 

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Cheque cloning fraud EXPOSED! Bank account holders lose Rs 8 crore to fraud - Do this to save your money
For every bank account holder, having a cheque book is virtually a must. One of the top reasons for having a cheque book is that it is considered safer than other instruments available, like online ones.

Cheque cloning fraud EXPOSED! Bank account holders lose Rs 8 crore to fraud - Do this to save your money


According to police, the case came to light when a woman resident of Laxmi Nagar received a message claiming Rs 1.10 crore was transferred from her bank account. Representational Image/Pixabay

Written By: ZeeBiz WebTeam
Edited By: Harish Dugh
Updated: Thu, Aug 08, 2019
11:20 am

New Delhi, ZeeBiz WebDesk

For every bank account holder, having a cheque book is virtually a must. One of the top reasons for having a cheque book is that it is considered safer than other instruments available, like online ones. People are worried about losing money and cheque book provides a lot of comfort, that is the general thinking. However, they will be shocked at what happened to these bank account holders who were caught up in a cheque cloning scam! Delhi Police has exposed a gang that used the cheque cloning method to illegally withdraw money from bank accounts of users. This gang has so far allegedly duped people of around Rs 8 crore through this cheque cloning method.
According to police, the case came to light when a woman resident of Laxmi Nagar received a message claiming Rs 1.10 crore was transferred from her bank account. After reading the message, the woman was taken aback and immediately contacted her bank and police. She had received the message from the bank which said Rs 1.10 crore was withdrawn from her account and two cheques were used for debiting this amount. The money from the woman's bank account was deposited in two accounts of banks in Gurugram and Vasant Kunj. While investigating the whole case, the police arrested one of these account holders, Alok Trivedi.
When the police questioned him, the whole system was revealed. According to the police, a member of this gang was involved with bank officials. Shockingly, these officials used to provide him with information about people's accounts, their signature and even blank cheques! After this, the fraudsters used to put a fake application in the bank and get the mobile number of the account holder removed from the account, so that he could not get the message of the transaction. These gangs used to prepare a clone of the cheque and then withdraw money with a fake signature of the account holder. The innocent bank account holder who lost the money would not even find out as his smartphone number was changed.


Police said this gang had been working for a long time and so far it has committed fraud of about Rs 8 crore.
How cheque cloning is done
Fraudsters first get hold of a cheque with the help of a postman or bank official. These days, cheques have all details of account holders. The fraudsters take the help of bank employees to get information about such accounts that have big amounts of money in their bank account. The fraudsters then, with the help of bank employees, get the mobile number of the account holders removed from their bank account.

The fraudsters scan the cheque and prepare a clone to withdraw money from the bank.
How to avoid cheque cloning
- Do not give your cheque, even if it is cancelled, to anyone.
- Never share photo of cheque on social media.
- Never share any information asked about bank account, cheque numbers over phone.
- Check which phone number and mail ID are linked to your bank account on a regular basis (every time you do a transaction, the bank sends a SMS and mail to you).
- Read every SMS, mail coming from the bank carefully.

Online Dos and don'ts
- Be very careful while using internet banking.
- Do not make any transaction on the internet with any unknown person.
- Do not share user ID and password with anyone online.
- Change the password of internet banking account from time to time.
- Take special care when using credit and Debit cards.


Cheque cloning fraud EXPOSED! Bank account holders lose Rs 8 crore to fraud - Do this to save your money
 

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Seven Lakhs Rupees Withdraw From Company Bank Account By Clone Cheque In Agra
क्लोन चेक लगाकर कंपनी के बैंक खाते से निकाले 7.69 लाख रुपये, रिपोर्ट दर्ज
न्यूज डेस्क, अमर उजाला आगरा Updated Sat, 15 Dec 2018 12:36 PM IST

प्रतीकात्मक तस्वीर

प्रतीकात्मक तस्वीर


आगरा में पीएनसी इंफ्राटेक कंपनी का क्लोन चेक लगाकर संजय प्लेस स्थित बैंक ऑफ बड़ौदा की शाखा से 7.69 लाख रुपये ट्रांसफर करा लिए गए। दो क्लोन चेक और लगाए गए थे, जो बैंक की जांच में पकड़ में आ गए। इस कारण भुगतान नहीं हो सका। इस मामले में थाना हरीपर्वत में मुकदमा दर्ज कराया गया है।

पीएनसी इंफ्राटेक लिमिटेड का ओवरड्राफ्ट खाता बैंक ऑफ बड़ौदा की संजय प्लेस शाखा में है। खाते का संचालन शिव कुमार अग्रवाल और पंकज अग्रवाल संयुक्त रूप से करते हैं। कंपनी के खाते का एक चेक 769550 रुपये का 20 नवंबर को लगाया गया था।

यह चेक संदीप पटेल निवासी चंदितारा, चंदौली के नाम पर था। संदीप वर्तमान में बारामती, पुणे, महाराष्ट्र में रहता है। एक दिसंबर को धनराशि संदीप के यूनियन बैंक ऑफ इंडिया, बारामती शाखा में ट्रांसफर कर दी गई। मगर, उक्त नंबर का चेक कंपनी के पास मौजूद था। बैंक में कंपनी के नाम का क्लोन चेक लगाया गया था।
दो और क्लोन चेक लगाए गए थे
इसके अलावा कंपनी के नाम से दो क्लोन चेक छह दिसंबर को 991353 रुपये का स्टेट बैंक ऑफ इंडिया की हिम्मतनगर शाखा और 11 दिसंबर को एक चेक 612730 रुपये का बैंक ऑफ बड़ौदा, कोलकाता की शाखा के खाते में ट्रांसफर करने के लिए लगाए गए।

यह दोनों चेक बैंक की जांच में पकड़े गए। इस पर रकम ट्रांसफर नहीं की गई। कंपनी ने संदीप पटेल के नाम पर किसी तरह के चेक जारी नहीं किए हैं। उक्त चेक कंपनी के खाताधारक के पास उपलब्ध हैं।

इस मामले में बैंक आफ बड़ौदा की शाखा के सहायक महाप्रबंधक रमन कुमार ने थाना हरीपर्वत में तहरीर दी। इंस्पेक्टर थाना हरीपर्वत ने बताया कि मुकदमा दर्ज कर लिया है। बैंक ने ट्रांसफर हुई रकम को कंपनी के खाते में जमा कर दिया है।


 

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Cheque Cloning Can Affect Your Bank Account, New Ways Of Fraudester Of Looting Money

सावधान: आपके चेक की भी हो सकती है क्लोनिंग, मिनटों में खाते से गायब जाएगी रकम
बिजनेस डेस्क, अमर उजाला Updated Sat, 30 Nov 2019 05:08 PM IST


cheque cloning can affect your bank account, new ways of fraudester of looting money

- फोटो : PTI


जब भी कोई व्यक्ति बैंक में खाता खोलता है, तो उसे खाता खोलने के बाद मिलने वाली किट में चेक बुक मिलती है। कई लोग आज भी ऑनलाइन बैंकिंग के बजाए चेक से भुगतान करना सुरक्षित मानते हैं। हालांकि अब चेक से किसी तरह का भुगतान करना या फिर लेना भी सुरक्षित नहीं रहा है। हैकर्स अब इसकी भी क्लोनिंग करने लगे हैं। इसका पता बैंक को भी नहीं चलता है कि भुगतान के लिए जो चेक दिया गया है, वो सही है या नहीं। चेक की क्लोनिंग न हो इसके लिए कई तरह की सावधानियां बरतनी चाहिए। एम्स के निदेशक और डीन के खाते से 12 करोड़ रुपये निकलने के बाद यह जानना आपके लिए जरूरी हो गया है कि कैसे इससे बचा जाए।

क्या है चेक क्लोनिंग
चेक की क्लोनिंग बिना बैंक कर्मचारियों की मदद से नहीं हो सकती है। बैंक के कर्मचारी ही ऐसा फ्रॉड करने वाले लोगों को खाताधारकों का सिग्नेचर और ब्लैंक चेक देते हैं। इस जानकारी के मिलने के बाद फ्रॉड करने के बाद बैंक में खाताधारक का फोन नंबर बदलने के लिए आवेदन करते हैं। इससे खाताधारकों को किसी भी तरह का ट्रांजेक्शन करने पर मैसेज नहीं मिलता है।

इन खातों की हो सकती है चेक क्लोनिंग
अगर आपके खाते में लाखों-करोड़ों रुपये पड़े हुए हैं, तो फिर चेक की क्लोनिंग होने की संभावनाएं बढ़ जाती हैं। चेक पर बैंक खाता संख्या, शाखा और व्यक्ति का नाम होता है। फ्रॉड करने वाला व्यक्ति चेक को स्कैन करके उसका क्लोन बना देता है और खाते से पैसा निकाल देता है।

चेक क्लोनिंग से कैसे बचें
इन तरीकों का इस्तेमाल करते हुए आप आसानी से चेक क्लोनिंग का शिकार होने से बच सकते हैं।
  • सोशल मीडिया, व्हाट्सएप और ईमेल पर चेक की फोटो को पोस्ट न करें।
  • किसी भी व्यक्ति को फोन पर अपने निजी बैंक खाते की जानकारी न दें।
  • इस जानकारी में चेक नंबर, कार्ड डिटेल्स, ओटीपी और पासवर्ड तक शामिल हैं।
  • अपने फोन नंबर, ई-मेल आईडी को चेक करते रहें, जिससे ट्रांजेक्शन होने पर आपको जानकारी मिलती रहे।

एम्स के निदेशक, डीन को ऐसे हुआ नुकसान
अखिल भारतीय आयुर्विज्ञान संस्थान (एम्स) के दो बैंक खातों से क्लोन चेक के जरिए 12 करोड़ रुपये पार करने का मामला सामने आया है। जालसाजों ने करीब एक माह पहले दूसरे शहरों में स्थित एसबीआई की शाखाओं से इस घटना को अंजाम दिया। इसके बाद पिछले सप्ताह मुंबई और देहरादून की दो शाखाओं से करीब 29 करोड़ रुपये निकालने का प्रयास भी किया, हालांकि वे इसमें कामयाब नहीं हो सके। जिन दो खातों से एम्स को 12 करोड़ रुपये की चपत लगाई गई है, उनमें से एक खाता निदेशक और दूसरा डीन के नाम पर है। निदेशक डॉ. रणदीप गुलेरिया के नाम वाले मुख्य खाते से सात और डीन के खाते से पांच करोड़ रुपये निकाल लिए गए।

इस जांच को पार कर गए थे चेक
हालांकि गंभीर बात है कि जाली चेक अल्ट्रा वॉयलेट रे (पराबैंगनी किरणों) जांच को पार कर गए और उसी चेक संख्या के मूल चेक अब भी एम्स के पास हैं। भारतीय रिजर्व बैंक (आरबीआई) के मुताबिक तीन करोड़ रुपये से अधिक की बैंक धोखाधड़ी होती है तो बैंक सीबीआई के पास शिकायत दर्ज कराते हैं। फिलहाल यह स्पष्ट नहीं हो पाया है कि एसबीआई ने मौजूदा मामले में सीबीआई से संपर्क किया है नहीं।


सावधान: आपके चेक की भी हो सकती है क्लोनिंग, मिनटों में खाते से गायब जाएगी रकम
 

Big Daddy

Super User
IDFC or HDFC which one is better? I am thinking of an NRI account. The web site of IDFC was very crappy, so most likely I will go to HDFC, but is this really a good bank or should I go for IDFC?
 

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IDFC was having good percentage of Central Govt shares.
Sold now major part.
5.74% now.



A friend has account in it.
Using not much now.


HDFC is private and big bank.

App and website. Is. Muchh bettter and professional.
But charges are much more than Others.
Check in website.

You may have to talk to representatives for issues.
Mosty they resolve a friend's. Credit Card issues.

But, most employees having salary accounts only prefer it.

Private business or persons if can afford the service charges can open an account easily.

Everyone has own experiences.

Shares of HDFC are good and strong in stock market.
 

Big Daddy

Super User
So what are these location selections? When you open a bank account they mention these locations and, in some cases, minimum deposits are location dependent (Metro vs. Rural). For someone who lives outside India, why should selecting location matter? Does it mean that using out of city ATMs will result in additional fees? What impact it has on writing checks?
 

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So what are these location selections? When you open a bank account they mention these locations and, in some cases, minimum deposits are location dependent (Metro vs. Rural). For someone who lives outside India, why should selecting location matter? Does it mean that using out of city ATMs will result in additional fees? What impact it has on writing checks?
Location is for setting it as a Rural or Small city or Metro area.
This is to make an account cost wise minimum amount to be kept in an account. Govt made this rule after 2016 Notebandi.
But Pvt banks are already keeping too much minimum balance as 10k to 25k with basic facility of cheque issuong and cash deposit upto particular amount as minimum service.
 
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