A Positive Pay System (PPS) for cheques is a security measure utilised by banks to safeguard against fraud. It usually involves providing the bank with details of issued cheques, including the cheque number, date, and amount. When you present the cheque for payment, the bank cross-checks it with the provided information. If there is a discrepancy, such as a mismatch in the details or unauthorised cheques, the bank alerts you for verification before processing the payment. This proactive approach helps in preventing any fraudulent transactions and ensures the integrity of the payment process. Go through this guide, to understand this pay system in detail.What is a Positive Pay System (PPS)?The RBI implements the PPS system in banks to stop fraud involving cheque payments, such as tampering or altering cheques.

You can get the instant e-PAN for free in just 10 minutes by using an Aadhaar Card for e-KYC. e-PAN can be used for all purposes like a traditional PAN card, such as paying income tax, filing income tax returns (ITR), opening a bank account or Demat account, applying for a debit or credit card, etc.Instant PAN Allotment Through Aadhaar CardThe new provision facilitates the allotment of instant PAN to individuals who already possess a valid Aadhaar card. The applicants will not be required to submit a detailed application form as in normal cases. The instant PAN Card will be issued in PDF format with no additional charges.The PDF contains a QR code that includes the demographic details, such as the applicant’s name, date of birth, and photographs. You can use the 15-digit acknowledgement number to download the e-PAN from the income tax e-filing portal. The soft copy of the e-PAN will also be sent to your registered email address.Eligibility for instant e-PAN cardThe following are the core requirements for getting an instant PAN through Aadhaar-based e-KYC:A PAN Card is never allotted to you. You should not be a minor at the time of application.You need a valid Aadhaar card with a linked mobile number.Your full date of birth (DD/MM/YY) should be present on your Aadhaar card.You should not fall under the category of Representative Assessee as per section 160 of the Income Tax Act. #inlineCTA-choosePlan{ display: flex; flex-direction: row; align-items: flex-start; flex-wrap: wrap; padding: 24px 0; border-top: 1px solid #C4C4C4; } #inlineCTAimage{ padding-right: 20px; } #CTAbody{ flex: 1 1 55%; } #inlineCTAhead{ color: #314259; font-size: 20px; font-weight: 700; padding-bottom: 8px; } #inlineCTAcontent{ font-size: 16px; color: #9092A3; font-weight: 400; } #inlineCTAbutton{ padding: 8px 24px; color: #1678FB; font-size: 16px; background-color: #FFF; border: 1px solid #1678FB; border-radius: 8px; font-weight: 700; text-decoration: none; 8px 0 10px; } #inlineCTAbutton:hover{ background-color: #1678FB; color: #fff; box-shadow: 4px 5px 10px rgb(0 0 0 / 14%); } @media only screen and (max- 600px){ #full-width-mob, #inlineCTAbutton{ 100%; } #inlineCTAhead { font-size: 19px; padding: 8px 0; } #CTAbody{ flex: 1 1 100%; } } How to Apply for Instant PAN Card with AadhaarStep 1: Visit the official e-filing home page of the IT department (www.incometax.gov.in).Step 2: Click on the ‘Instant E-PAN’ option under the ‘Quick Links’ section of the homepage to redirect you to the instant PAN allotment webpage.Step 3: Click on the ‘Get New PAN’ button to redirect you to the instant PAN request webpage.Step 4: Enter your Aadhaar number for PAN allotment.

In India, the banking sector plays an important role in the economic development of India. Banks are like hubs where people save, borrow, and manage their money. They help individuals, businesses, and the government by providing financial services such as loans, Deposit accounts, and investment options. There are mainly two types of banks in India - public sector banks and private sector banks. Both types of banks play important roles in India's financial system, but they have different ways of working and offer different advantages. To learn the difference between public and private sector banks in detail go through this guide.What is the Public Sector Bank in India?Public sector banks are those where the government, either at the state or central level, owns more than half of the stocks.

ICICI Bank is one of India's leading credit card issuers, with each card designed to cater to multiple needs of customers. Despite the convenience these cards provide, some customers may choose to close or cancel them. This could be for any personal reasons, such as finding it challenging to manage multiple credit cards at once. For such cases, ICICI Bank provides cardholders with convenient methods to cancel/close their credit cards. In this article, we will walk you through a guide on how to close ICICI credit cards, which including cancellation through:Customer CareEmail Filling out an online formFilling out an offline formIt also gives insight on:how to reactivate a closed/cancelled ICICI credit cardtips to keep in mind before closing/cancelling an ICICI credit card. ICICI Credit Card Cancellation by Calling Customer CareICICI Bank provides its customers with a convenient credit card cancellation service which can be accessible through the toll-free customer care number. Here is a step-by-step guide on how to cancel an ICICI credit card via customer care support:Step 1: Dial the ICICI customer care number - 1800-1080. Step 2: Place a cancellation request.

As of 2025, Paytm is not banned in India, but the Reserve Bank of India (RBI) has restricted Paytm Payments Bank from accepting deposits, top-ups, or credit transactions after March 15, 2024, due to persistent non-compliance issues. This has led to confusion around the claim that Paytm is banned in India. In reality, only Paytm Payments Bank services are affected, while Paytm’s UPI, wallet, and merchant services continue to function through partner banks.RBI restriction on Paytm Payments Bank?The Reserve Bank of India (RBI) imposed strict restrictions on Paytm Payments Bank due to persistent non-compliance and supervisory concerns. As per RBI’s directive dated January 31, 2024, Paytm Payments Bank was barred from accepting new deposits, top-ups, or credit transactions in any form—across customer accounts, wallets, FASTags, NCMC cards, and other prepaid instruments—after March 15, 2024.These RBI restrictions mean that:No new customer onboarding is allowed on Paytm Payments Bank.No deposits or top-ups are permitted after March 15, 2024.Only refunds, interest, and cashback credits are allowed post-deadline.Existing balances can still be used or withdrawn by customers.All services such as AEPS, UPI, IMPS, and fund transfers linked with Paytm Payments Bank accounts were also disabled after the March deadline. However, Paytm’s UPI and wallet services remain active through its partner banks.These actions by the RBI have caused confusion, leading many to believe Paytm is banned in India, but that is not true—the restrictions apply only to Paytm Payments Bank, not the core Paytm app or services.Paytm Payments Bank Accounts Closed?Paytm Payments Bank accounts are no longer active after March 15, 2024, for deposits and credits, following RBI's ban on top-ups and new customer activity. Available balance in Paytm Payments Bank account can be used, withdrawn and transferred by account holders until it is exhausted, even after the March deadline. Refund & Cashback Refunds and cashback will still be credited to your Paytm Payments Bank account even after March 15, 2024.Sweep-in facilityIf you use the sweep-in facility linked to another partner bank, the sweep-in amount can return to your Paytm Payments Bank account.

ICICI Bank provides a hassle-free banking solution with different types of savings accounts that cater to various individuals’ needs. One such savings account is the ICICI zero balance savings account, which is ideal for individuals seeking to open a new bank account without the obligation of maintaining a minimum balance. ICICI Bank zero balance account offers convenient features and benefits, enabling you to enjoy seamless banking services without any initial deposit requirement. This article will be covering:What is an ICICI Bank Zero Balance AccountHow to open an ICICI Bank with Zero BalanceICICI Zero Balance account eligibility and documents requiredFeatures and benefits of opening an ICICI Zero Balance Account ICICI Zero Balance Account HelplineWhat is an ICICI Bank Zero Balance Account?ICICI Bank offers a zero-balance account for individuals who want to open a new bank account without maintaining a minimum average balance. Basic Savings Bank Deposit Account (BSBDA) is a zero-balance savings account offered by the ICICI Bank. This is a basic savings account designed to promote financial inclusion.How to Open an ICICI Bank Account With Zero Balance?Here is a process to easily open an ICICI Bank zero balance account online:Step 1: Make a physical visit to the nearest ICICI bank branch.Step 2: From the bank representatives, take the account opening application form for opening a savings account and fill it out with the required details. Step 3: Submit the application form and documents to the bank representatives. Step 4: The bank officials will verify the application and open the account.The ICICI zero balance account caters to the financial needs of individuals who value flexibility and accessibility in their banking experience.

If you are wondering how to close ICICI Bank account online or offline, it's important to know the right process to avoid delays or charges. As of 2025, ICICI Bank lets you initiate account closure online through the iMobile app, but final steps may still require a branch visit.Here’s a quick overview of the different ways to close your ICICI Bank account:Submit a request via the iMobile app (follow-up may be needed)Visit your home branch and fill out the closure formNRI customers can close accounts remotely by sending documents to the branchNo charges if closed within 30 days or after 1 year of openingThis guide explains everything—from how to close ICICI Bank account without visiting branch to special cases like closing it from abroad or after the account holder's death. ICICI Bank Account Closing ChargesThe following table highlights the account closure charges for different types of ICICI Bank accounts:Timeframe for Account ClosureChargesWithin 30 days of account openingNILBetween 31 days to 1 yearRs. 500After 1 year of account openingNILDocuments Required to Close ICICI AccountTo make sure closing your account goes smoothly, make sure you have these documents ready:ICICI bank account closing formIdentity proof - Aadhar card, PAN card, or passport.Address proof - Utility bills or rental agreement.Unused Cheques and Debit Card - Return any cheques you haven't used and your ICICI Bank debit card.Closing an ICICI Bank account involves a few simple steps. Start by withdrawing any remaining funds and stopping any auto-debits linked to the account. Then, complete the account closure form at a nearby branch.

If you have an ICICI debit card, you can use it for payments and transactions when you go on international trips or visits. However, if you want to use it for international transactions, you must enable international debit card usage. You can perform smooth transactions abroad by activating international transactions on your ICICI debit card. In this article, learn how to enable international transactions on an ICICI debit card via Net bankingiMobile appEnable international usage on an ICICI debit card through:SMSCustomer careAnd understand the ICICI Debit Card International Transaction Fee. Activate International Transactions for ICICI  Debit Card Through Net BankingFollow these steps to enable international transactions on an ICICI debit card via net banking:Step 1: Visit the ICICI Bank net banking portal and log in using your credentials.Step 2: Choose the ‘Cards’ option from the main menu.Step 3: Click on the ‘Debit Cards’ option.Step 4: Choose the ‘Manage Debit Card Limits’ option.Step 5: Select your account and ICICI debit card.Step 6: Click on ‘International’ to enable international transactions and set a limit on the maximum transaction amount. Activate International Transactions for ICICI Debit Card Through the iMobile AppHere is how to activate international transactions on ICICI debit card through the iMobile app:Step 1: Install the iMobile app on your mobile phone.Step 2: Log in to your ICICI Bank iMobile Banking app with the login PIN.Step 3: Select ‘Services’ from the list. Step 4: Click on the ‘Manage Card’ option from the list.Step 5: Select the debit card you want to enable for international usage and click ‘Activate’ under the ‘International’ tab.Step 6: Set your desired transaction limits for ATM withdrawals and POS terminals and click the ‘Submit’ button.Once you have completed these steps, ICICI Bank will notify you via message that your debit card is now ready for international use.Enable International Usage for ICICI Bank Debit Card Through SMSIf you want to enable international transaction usage on your ICICI Bank debit card using the SMS facility, follow the simple and easy steps outlined below:Step 1: You must make sure that your mobile number is registered with ICICI Bank.Step 2: Send a text message with the word INTL to the number 5676766 to activate international usage on your ICICI Bank debit card.After sending the message, you will receive an SMS confirmation from the bank confirming that international usage has been successfully activated on your debit card.Enable International Usage for ICICI Debit Card by Customer CareYou can also enable international transactions on the ICICI debit card by calling ICICI Bank's customer care - 18001080. Call ICICI Bank’s customer care through your registered mobile number, provide your debit card number, and ask them to enable international usage.The customer care team will then activate international transactions during the call. Soon after, you will receive an SMS confirming that your debit card is ready for international use.Other Ways to Activate or Enable ICICI Debit CardIn addition to the online and offline methods mentioned above, you can activate international usage on your ICICI Bank debit card by visiting the nearest ICICI Bank branch and asking a bank executive to activate it for you. ICICI Debit Card International Transaction FeeThe following table mentions the ICICI debit card international transaction charges:Description FeeMark-up charges on foreign currency transactions 3.5% of the transaction amount and GSTCharges for withdrawing cash from ATMs abroadRs.

The Unique Identification Authority of India (UIDAI) offers a secure online service to access your Aadhaar update history. This feature enables you to review all demographic and biometric modifications made to your Aadhaar card, such as changes in name, address, or contact details. You can view and download your UIDAI Aadhaar update history in PDF format through the official UIDAI website or the mAadhaar app. What is Aadhaar Update History?Aadhaar update history displays all crucial data related to an Aadhaar card’s updates since its allocation. An Aadhaar card holder can update/ change information in Aadhar such as name, email ID, address, photograph, Date of Birth, etc., by visiting the offline centre or logging into the official website. All such changes get recorded, which you can know easily by getting access to your Aadhaar card’s update history. So in case you detect any incomplete or incorrect information in your Aadhaar card, you can conveniently update it and get it corrected by following the appropriate procedure. Details Available on the Aadhaar Update History DocumentBelow is the list of details you can check using the Aadhaar update history provision.Category FeaturesUpdate Request Number or URNA unique number assigned to Aadhaar card holders.Aadhaar Update DateIt is the date when you raised the request for an Aadhaar update. The User’s PhotoThe cardholder's photograph is displayed in order to confirm his/her identity. Demographic InformationIt displays all details like gender, name, residential address, email Ids, contact number, etc.Date and TimeIt is the time and date when you checked the history of your Aadhaar card’s updates.How Can I Check My Aadhaar Update History?UIDAI has recently introduced the provision of checking your Aadhaar update history online. It does not involve any complicated procedure; all you need to do is navigate to the official website of UIDAI (www.uidai.gov.in) and follow the instructions below:Step 1: Click on “My Aadhaar” and then on the “Aadhaar update history” option available under the “Update Your Aadhaar” section. Step 2: Enter your Aadhaar details, like the 12-digit Aadhaar number or virtual ID, followed by the security code.

To safeguard your valuable items, Canara Bank offers the “Locker Service”.   So, if you plan to keep your valuables safe, you can opt to get a locker here. Canara Bank locker charges and other associated costs to make an informed approach to locker opening are given below. Types of Bank Lockers in Canara BankCanara Bank offers different types of lockers that are categorised based on their sizes. This helps you select the one that perfectly caters to your needs, saving you from paying any additional charges. Locker types in Canara Bank as per their size are as follows:Locker TypeLocker SizeSmall05X06X21Small05X07X21Medium 05X13X21Medium06X16X21Medium13X07X21 Medium07X09X21 Large 07X20X21Large 12X16X21Large11X13X21Very LargeNo fixed limitBased on the size and location of your Canara Bank Locker, the charges that you will have to pay for owning one vary considerably. Hence, make sure to check all necessary information before opting for one. Canara Bank Locker ChargesFollowing are the locker charges in Canara Bank based on the size of the locker and the location where you are opening it:Locker SizeMetroUrbanSemi-UrbanRuralSmallRs. 2000Rs.