- Bank never asks the below details, therefore;
a. Don’t share ATM / Card (Debit / Credit / Prepaid) details with anyone.
b. Don’t share Password, PIN, OTP, CVV, UPI-PIN, etc details with anyone. - Avoid undertaking banking or other financial transactions through public, open or free WIFI-networks.
- Don’t store important banking data on the mobile, e-mail, electronic wallet or purse.
- Please lock your user access immediately, if you have accidentally/unknowingly revealed your credentials.
- Ensure latest Anti-virus/Anti-Spyware software is installed in your system and keep them up-to-date.
- Review your bank account periodically and keep your contact details (mobile number & email ids) updated with the bank for receiving transaction alerts.
Please contact your branch or our Contact Centre for any assistance.
Contact Centre No.: 1800-425-1444 (Toll-free), 080-2202150.
- Do not become victim of SIM swapping. In case you receive a message on change of SIM or Deactivation of SIM without your consent, immediately contact your network service provider and also change your Internet Banking/Mobile Banking Passwords or Contact Bank to block the logins by contacting our helpline numbers.
- Update the mobile operating system regularly.
- Consider installing security software from a reputable provider and update it regularly.
- Password-protect your mobile device to protect against unauthorised access. Set up a PIN/Password that is difficult to crack. You can also use biometric lock in addition to PIN /password if available on your mobile phones.
- Use auto lock feature to lock the phone automatically or keypad lock protected by pass code/ security patterns to restrict access to your mobile phone.
- Always install applications from trusted sources. If you’re downloading an app from a third party, do a little research to make sure the app is reputable.
- It’s always helpful to check the features before downloading an application. Some applications may use your personal data.
- Use Wi-Fi only when required. It is advisable to switch off the service when not in use.
- If possible, maximise the security features by enabling encryption, remote wipe and location tracking on device.
- Log out from mobile banking applications as soon as you have completed your transactions. Also make sure you close that window.
- Hide your confidential information while typing your account details or password on your device in public places, to prevent someone from looking at your login credentials being typed(Shoulder surfing).
- Do not enable auto-fill or save user IDs or passwords for mobile banking.
- Do not click on a URL link received in a text message if you are not sure about its authenticity.
- If your mobile device gets stolen, get your mobile banking applications blocked by calling our Contact Centre@ 1800-425-1444 (Toll-free), 080-22021500 or contact our nearest branch for assistance. You may get it unblocked once you recover your lost phone or buy a new one.
- Clear temporary files, cache, browsing history etc in your mobile at regular intervals as it may also contain your personal and financial data.
- Do not use "jail broken" or "rooted" devices for online banking. Jail breaking or rooting a device (the process of breaking into the phone's built-in operating system to control it outside the vendor's original intention) exposes the device to additional malware and gains administrative or privileged access of OS.
- While transacting via UPI App, ensure the following;
a. Remember that you will never have to enter your PIN to receive money via UPI.
b. Always check the type of transaction (whether funds are to be sent or received, you need to check the name of the payee initiating the transaction, the VPA etc).If in doubt, then reject the transaction. - Avoid scanning QR code from strangers through WhatsApp.
- Always type https://karnatakabank.com in your browser to login to Internet Banking or for any other information. Do not search through any search engines and do not enter your user ID & passwords in any other sites.
- Change the password at regular intervals and ensure that the password is strong so that no one can crack it.
- Avoid logging in to your bank account at common computers in cyber cafes or libraries. These are crowded places, and there are more chances of your password being traced or seen by others.
- Disconnect the internet usage when not required as malicious hackers can access your computer via an internet connection and steal your confidential banking information.
- Always use licensed anti-virus software and ensure that the software is up to date.
- Never write the debit card PIN down anywhere or share the PIN with anyone, not even with friends or family.
- Block the debit card immediately if it is lost or stolen through Internet , mobile banking channels or contact our nearest Branch or Contact center at 1800-425-1444 (Toll-free), 080-22021500.
- Avoid taking help from strangers while using debit card or handling cash.
- Destroy the transaction slip immediately after use.
- “Shoulder surfer" can peep at your PIN as you enter it. So stand close to the ATM machine and use your body and hand to shield the keypad as you enter the PIN.
- For Retail Advances:
- At Branch/Regional Office Level: 15-30 days.
- At Head Office Level: 30-45 days.
- Credit applications of MSE's, SC/STs and Weaker Sections:
- Loan amount up to ₹5 lakh : 2 weeks.
- Above ₹5 lakh : 4 weeks.
Dear Customer,
As per the Policy of the Bank, Internal Rating based on Audited Financial Statements (AFS) has to be completed before 31st of October, every year. Please note that earlier time line of 31st December stands modified to 31st October.
Hence, you are requested to submit the Audited Balance Sheet along with all it’s schedules, Form 3CB & 3CD wherever applicable and Auditor’s report (CARO report in case of company accounts), for the year ended 31st March, 2023, during the first week of October 2023, so as to ensure that the rating exercise is completed before 31-10-2023.
Non-submission/delay in completion of the Rating exercise beyond 31st of October will attract penalty as decided by the Bank from the 1st November till the receipt of the audited financial statements.
For any clarifications please contact the Branch Head.
- Customer Education Manual on Stress/SMA/NPA Marking Process Click here
Dear Customer,
We understand that fraudulent e-mails are sent to the customers of various Banks, asking them to furnish/update their account information like Internet Banking User Id and password, debit/credit card numbers etc. by clicking on an e-mail link, which direct you to a pop-up window or a spoofed website, which looks almost exactly like the real site.
If you have any suspicions of a fraudulent-
- a) e-mail, claiming from Karnataka Bank, requesting you to update your private and confidential information related to Karnataka Bank
- b) Website which requires your private & confidential information related to Karnataka Bank then please inform us immediately. You can e-mail us at
or call our Customer Care Centre.
Please do not disclose any personal confidential information to anyone, including Karnataka Bank employees. This includes: -
- MoneyClick Internet Banking User Id and Password.
- ATM/Debit Card Pin.
NEW TYPE OF FRAUD – BE ALERT, BE AWARE
A new type of fraud has been started by fraudsters where customer gets calls asking them to share their OTP in order to postpone their loan EMIs.
Karnataka Bank will never call for sharing of OTP for availing the benefits of EMI deferment/ postponement declared by the Reserve Bank of India. Please note that deferment/ postponement of EMI does not require sharing of OTP.
PLEASE DO NOT SHARE YOUR OTP
Thank you for your cooperation,
Sincerely,
Karnataka Bank Ltd.
Want to know how to use EMV Chip card in EMV enabled ATM's use the below links for details in this regard
- English - https://youtu.be/jgvLGRTje8I
- Hindi - https://youtu.be/tC8W4hTfJVY
Skimming is a method used by criminals to capture data from the magnetic strip on the back of a Credit or Debit card. Once the skimmer gets the card data they can duplicate the card and then use to make purchases, online shopping or withdraw cash in the name of the actual account holder.
Skimmer is a small electronic device which is capable of capturing the data present in magnetic strips of the cards. Usually Skimming card readers or Skimmers will be placed in ATMs or POS machines. A tiny camera is often hidden near a skimmer to record your PIN as it is entered.
Skimming may take place in shopping outlets and restaurants also. For example, in a restaurant your card may be taken away when the bill is being settled and may also be used for capturing the card details. This captured card details will be misused by the fraudster.
TIPS TO CUSTOMER
- Do not leave your card unattended.Never let your card out of your sight, for example at a restaurant.
- Keep changing your Debit Card PIN regularly.
- Use your hand or body to shield your PIN from onlookers when you are conducting transactions at an ATM or at Point-of-Sale.
- Beware of a skimming card reader in ATMs.
- Inspect the ATM & all areas of its fascia for unusual or non-standard appearance.
- Report any unusual appearance immediately to the nearest branch or Customer Care Centre (1800 4251 444) or Police.
- Regularly check your statements/passbook/mobile App (mPassbook) to make sure there are no unusual or unauthorized transactions.
- Update your mobile number/Email ID in your account to get transaction alerts from Bank.
- Never share your PIN with anyone including Point- of-Sale locations.
- Avoid ATM without security guards/ unmanned areas.
- If your card is chip enabled, ensure that the merchant use chip slot on purchases.
Thank you for your cooperation,
Sincerely,
Karnataka Bank Ltd.In the recent past many people are falling prey to fictitious offers, lottery winnings and cheap fund offers by fraudsters in foreign currency from abroad. These are perpetrated by certain foreign entities/individuals, including Indian residents acting as representatives of such entities/individuals.
Remittance in any form towards participation in lottery schemes is prohibited under the Foreign Exchange Management Act, 1999.Hence, customers are advised not to make any remittance towards participation in such schemes or accept offers from unknown entities. Also please do not respond to such emails as they may be a part of fraud and you will not receive any of the promised money.
These fictitious offers are generally made through letters, emails, SMS etc.
"Customers can contact our 24/7 Helpdesk at 1800 425 1444 (Toll Free) for any queries regarding ficitious lottery winnings where they have been advised to deposit money in specified accounts."
- Karnataka Bank is committed to providing all our services to customers with disabilities without Discrimination. All our internal circulars are in line with the RBI guidelines.
- As per RBI circulars DBOD. No. Leg BC. 91 /09.07.005/2007-08 dated June 4, 2008; DBOD.No.Leg.BC.123/09.07.005/2008-09 dated 13th April 2009,DBOD.No.Leg.BC.38/09.07.005/2012-13 dated 5th September 2012,DBOD.No.Leg.BC.113 09.07.005/2013-14 dated May 21, 2014 and DBR.No.Leg.BC.96/09.07.005/2017-18 dated 9th November, 2017 all banking services are being provided to persons with disabilities.
- We provide Doorstep Banking Services to Savings Bank Account holders who are Senior Citizens of more than 70 years of age or differently abled or infirm persons (having medically certified chronic illness or disability) including those who are visually impaired. Click here to know the Branches offering these services.
- We are committed to make our websites, net banking and mobile banking compliant to Web Content Accessibility Guidelines (WCAG).
- Our bank has accessible ATMs set up as per the ‘IBAStandards on Accessible ATM’. Details about talking ATM locations can be seen in our Banks website www.karnatakabank.com or visit the page https://kb.realigner.com
- In case of a customer with disability facing any difficulty in receiving any services of the bank please contact.
Nodal Officer at the Centre:
Shri Vinaya Bhat P J
General Manager,
Branch Banking & Digital Channels Department,
Phone: 0824–2228263
- For contact of Local Bank Officials (Regional Offices) please Click Here
- Download “BANKERS’ GUIDE FOR CUSTOMERS WITH SPECIAL NEEDS AND PERSONS WITH DISABILITIES” book Compiled by Indian Banks’ Association.
