Monday, March 27, 2023

Link your Credit card on BHIM Platform


RuPay Credit Cards on UPI will provide a seamless, digitally enabled credit card lifecycle experience for the customers. Customers will benefit from the ease and the increased opportunity to use their credit cards. Merchants will benefit from the increase in consumption by being part of the credit ecosystem with acceptance of credit cards using asset lite QR codes. RuPay Credit cards can now be linked to a UPI ID, thus directly enabling safe, and secure payment transactions.

Please download BHIM app from Google Play store. Complete the registration journey, select Credit Card as an option. Select your issuing bank name from the drop down. Basis the mobile number update with your issuing bank, masked Credit Cards will appear on the screen. Select the card which you want to link and confirm. Proceed to generate UPI PIN.
Currently, on BHIM, Mobikwik and Paytm app customer can link their RuPay Credit Card on UPI. Other apps are enhancing their tech platforms to enable linking of credit card on UPI.

As of now , four banks are live to link RuPay Credit Card on UPI – Punjab National Bank, Union Bank of India & Indian Bank, HDFC Bank

Product features:
Discover credit card accounts from the issuer bank based on your registered mobile number and link it to the UPI ID on BHIM app or any UPI app.

Post linking the card, customer will be able to make payment to a merchant by scanning the UPI QR code. Payment authentication will be done using UPI PIN.

Cash withdrawal at merchant, P2P, P2PM, card to card payments will not be permitted through this functionality.

Transaction through this process will follow UPI standard transaction limits.

Features like AutoPay and dispute resolution will be available for the customer via ODR (UPIHelp) through UPI Apps.

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Thursday, April 15, 2021

How to get back your money after online bank fraud -Dial Helpline-number-155260

 Delhi Police said they have formally launched a helpline number that helps victims of online financial frauds get their money back quickly. It was launched on 13 Apr 2021 .

The Union Ministry of Home Affairs has started a pilot project in November last year with the cyber portal https: // and cyber cell of Delhi Police for victims of cheating by OTP, link and other methods. Delhi has been linked first on this Indian cybercrime co-ordination platform. After this Rajasthan has been added. Similarly, other states of the country will be made part of this project. About 55 banks, e-wallets, e-commerce sites, payment gateways and other institutions are associated with cyber cell.

If there is an online fraud with you, a helpline number 155260 will have to be dialed and a complaint will be lodged. After this, as per primary inquiry on the helpline number, your name, mobile number, timing of fraud, bank account number will be obtained. After this the helpline number will send your information to the portal for further action. Then the concerned bank will be informed of the fraud. Funds with fraud will be held if the information is correct. After this, your money will be transferred to your account.

The helpline — 155260 — was already operating under the Union ministry of home affairs for reporting all kinds of cyber crimes. The cyber cell of Delhi Police, in collaboration with the Union ministry of home affairs, in November last year decided to take over and enhance the capacities of the helpline on a pilot basis.

The police added 10 lines to the helpline number, a move that saw tremendous response, helping at least 23 victims of frauds recover their lost money either partially or fully, said Anyesh Roy, deputy commissioner of police (cyber cell).

Roy added that in total , the 23 victims so far have managed to get around ₹8.11 lakh back, of which the biggest beneficiary was a Delhi-based retired audit account officer, who managed to get back ₹98,000 that he had lost to a fraudster.

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Friday, May 29, 2020

Get ePAN card instantly for FREE using Aadhaar

It may be recalled that in the Union Budget, 2020, Union Finance Minister Nirmala Sitharaman on 28th May 2020 ,Thursday launched the facility for instant allotment of PAN.

The allotment process is paperless and an electronic PAN (e-PAN) is issued to the applicants free of cost.

This facility enables to get PAN  for applicants who possess a valid Aadhaar number and have a mobile number registered with Aadhaar.

How to apply for instant PAN through Aadhaar based e-KYC

- The instant PAN applicant is required to access the e-filing website of the Income Tax Department( to provide your valid Aadhaar number

- Then submit the OTP received on your Aadhaar registered mobile number.

- On successful completion of this process, a 15-digit acknowledgment number is generated.

- You can check the status of the request anytime by providing your valid Aadhaar number and on successful allotment, can download the e-PAN.

- The e-PAN is also sent to you one your email id, if it’s registered with Aadhaar.

The Beta version of the instant PAN through Aadhaar based e-KYC on trial basis was started in February this year on the e-filing website of Income Tax Department. 6,77,680 instant PANs have been allotted with a turnaround time of about 10 minutes, May 2020, an official release said.

As on May 25, 2020, a total of 50.52 Crore PANs have been allotted to the taxpayers. Out of which, around 49.39 Crore are allotted to the individuals and more than 32.17crore are seeded with Aadhaar so far.

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