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Banking in India

9 step by step guides for India. Bank accounts, cards, payments and complaints. Each one gives the documents, the fee, the time it takes and the official links, checked against official sources.

  1. How to block a lost or stolen ATM or debit card

    Tell your bank the moment the card is missing, through its app, net banking, SMS, helpline or branch. RBI requires the bank to block it at once and confirm the block. If money has already gone, report each unauthorised transaction immediately, because your liability depends on how fast you report.

    Fee RBI sets no fee for blocking; the replacement card charge varies by bank Time Block is immediate on reporting; fraud claims must be decided within 90 days Checked

  2. How to complain to the RBI Ombudsman against a bank

    Complain to your bank or NBFC first and keep proof. If there is no reply in 30 days, or you are not satisfied with the reply, file a free complaint on cms.rbi.org.in within 90 days. The Reserve Bank Integrated Ombudsman Scheme, 2026 applies to complaints from 1 July 2026.

    Fee Free Time File within 90 days after the bank's 30 day reply period ends; the Scheme sets no deadline for the final decision Checked

  3. How to find and verify a bank's IFSC code

    The IFSC is an 11 character code that identifies one bank branch for NEFT, RTGS and other transfers. The first 4 letters stand for the bank, the 5th character is always 0 (zero) and the last 6 characters stand for the branch. You can read it off a cheque leaf, passbook or account statement, and verify it free on the Reserve Bank of India's own IFSC search page or its bank-wise list.

    Fee Free Time A minute or two Checked

  4. How to register for HDFC Bank NetBanking

    HDFC Bank NetBanking now opens at now.hdfc.bank.in. A new user chooses Register Now on the login page and enters the Customer ID and the security code shown. You then verify yourself and set a password. Resetting the password online is free, and five wrong passwords lock access for 24 hours.

    Fee Online password reset is free; Rs 100 plus taxes if requested at a branch Time Online in one sitting; transfers to others start 24 hours after third party transfer registration Checked

  5. NEFT, RTGS and IMPS, how to send money and which to use

    NEFT, RTGS and IMPS all move money between bank accounts using the account number and IFSC, and all three work 24x7. Use IMPS for instant transfers up to Rs 5 lakh, NEFT for any amount where a wait of up to two hours is fine, and RTGS for Rs 2 lakh and above in real time.

    Fee Online NEFT from a savings account is free; RTGS is capped at Rs 25 or Rs 50 plus tax; IMPS charge is set by your bank Time IMPS instant; RTGS within 30 minutes; NEFT within two hours of the batch Checked

  6. How to open a savings bank account in India

    Any resident individual can open a savings account at a branch, through a Bank Mitra, or online by Aadhaar OTP e-KYC or video KYC. You need proof of identity and address (Aadhaar or another officially valid document) plus PAN or Form 60. Every bank must also offer a zero balance Basic Savings Bank Deposit (BSBD) account, and a person with no documents at all can start with a restricted Small Account.

    Fee Free to open; a BSBD account has no minimum balance Time Varies by bank Checked

  7. How to register for SBI net banking (YONO Net Banking)

    SBI's personal internet banking now opens at yonoretail.sbi.bank.in and is called YONO Net Banking. A new user picks Register Now and proves the account with an SBI debit card, the YONO mobile app, or a visit to the branch. You need your account number and the mobile number in SBI's records.

    Fee No fee is mentioned on the SBI pages opened Time Online with debit card or YONO app: same sitting. Branch route: reference number valid 7 days Checked

  8. How to set, change or reset your UPI PIN

    You set a UPI PIN inside your UPI app after linking your bank account, using the last 6 digits and expiry date of your debit card plus an OTP from your bank. If you have no debit card, NPCI also provides Aadhaar OTP and Aadhaar face authentication routes where your bank and app support them. A forgotten PIN is reset the same way, and a known PIN is changed by entering the old PIN and a new one.

    Fee No fee listed by NPCI; your mobile operator may charge for the verification SMS Time A few minutes Checked

  9. How to update KYC (re-KYC) in your bank account

    Banks must refresh your KYC every 2 years if you are rated high risk, every 8 years for medium risk and every 10 years for low risk. If nothing has changed, RBI says a self-declaration is enough. Fresh documents are needed only when your details changed or the bank's papers are out of date.

    Fee No fee prescribed by RBI Time Self-declaration is instant to submit; when the bank updates its record varies Checked

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