Know Your Rights

• Your deposits are insured up to a prescribed limit

  আপনার আমানত নির্দিষ্ট সীমা পর্যন্ত বিমাকৃত

  Deposits in insured banks, including eligible cooperative banks, are covered by DICGC up to the notified limit per depositor per bank, counting principal and interest together.

  Official source: dicgc.org.in

• You can name a nominee — and you should

  নমিনি নির্ধারণের অধিকার

  Accounts, deposits, lockers and society share accounts allow nomination. A recorded nominee removes most of the difficulty a family faces during settlement.

• Report an unauthorised debit without delay

  অননুমোদিত লেনদেন দ্রুত জানান

  Customer liability for an unauthorised electronic transaction depends heavily on how quickly it is reported to the institution. Report first, in writing as well, and keep the reference number.

  Official source: rbi.org.in

• You are entitled to a passbook or statement of account

  পাসবই বা বিবরণী পাওয়ার অধিকার

  Ask for an updated passbook or account statement and check entries regularly. Unexplained entries should be questioned in writing.

• Charges and interest must be disclosed to you

  সুদ ও চার্জ জানার অধিকার

  Interest rate, method of calculation, penalties and service charges should be told to you before you sign, and are usually displayed at the branch or on the institution's website.

• Every institution must have a grievance-redress route

  অভিযোগ নিষ্পত্তির অধিকার

  Use the internal complaint channel and get an acknowledgement. If the reply does not come in reasonable time or does not satisfy you, escalate to the regulator's complaint mechanism.

  Official source: cms.rbi.org.in

• Members of a cooperative society have governance rights

  সমবায় সদস্যের অধিকার

  As a member you may attend the general body, see the audited accounts placed before it, vote in elections as per the bye-laws, and seek information the bye-laws and cooperative law allow.

• No one legitimate will ever ask for your OTP or PIN

  ওটিপি বা পিন কেউ চাইতে পারে না

  Banks, cooperative societies, the police and government offices never ask for OTP, PIN, CVV, password or remote access to your phone. Any such request is fraud.

This is general awareness content, not legal advice. Prescribed limits, timelines and liability rules are decided by the regulator and applicable law and can change.