Linking your Bank Account to Aadhaar - Best Tricks

Linking your Bank account to your Aadhaar is made compulsory by Indian government recently. If you have not done it yet, then you must do it before 31 Dec 2017, else your bank account will seize to work till you link it to aadhaar. It is better to do it weeks before the deadline as by the time last date will come servers will be heavily loaded with the linking requests.


State Bank of India has taken a good initiative by sending SMS to customer to link their bank account to aadhaar. Here are a few easy tricks / ways to link your SBI Bank Account with your aadhaar. If you don't want to go to your branch and manually submit the linking application then you may use any of these steps.

How to link your SBI Account with Aadhaar ?

• Through Netbanking: If you are a netbanking user then you may login to netbanking. Enter the profile section and there you will find a link to update your aadhaar number. You will need to do it with an OTP on your mobile. 
• Through SMS: If your mobile number is registered with SBI then you may send a SMS to link your account with aadhaar. Send SMS to 567676 . The format of SMS is UID(space)Aadhaar number(space)Account number.
• Through ATM: Visit any SBI ATM. Swipe your Card and enter PIN.Go to Service - Registrations - Aadhaar Registration. Select your type of account and key in your aadhaar number.
• By Visiting your Branch: If you are unable to do it through any of these methods due to any reason then you may visit your branch with an application and photocopy of your aadhaar. We will advise you to carry the original aadhaar as well in case anybody want to confirm it. You must write your Account Number and mobile number on aadhaar photocopy with your sign on it.

How to verify if your Aadhaar linking is done ?

It may take a few days to get your aadhaar linked to your bank account. You may get a SMS from your bank on successful completion of aadhaar linking. But if you want to verify it yourself then you may use UIDAI website to check it. Just go to the link mentioned below.
https://resident.uidai.gov.in/bank-mapper
On this page you will need to enter your Aadhaar Number and a number in captcha image. Then click on Send OTP. You will receive an OTP on your registered mobile. Enter that OTP on the same page and then click Login. Now your Aadhar linking status will be displayed.

Dowry Calculator

For some people dowry is a way to earn, for some its a social liability of Girl's father and for some its a status symbol. There are various ways to ask for it. Here is a calculator that can help "to be Grooms" to check their expected dowry value. Enter all details correctly and check how much dowry you are expected to get.   Dowry Calculator

Groom's Age

23 24 25 26 27 28 29 30 31-35 36-40 41-45 46-50 51+

Groom's Caste

Bania Bhumihar Brahmin Chettiar Ezhava Jat Kayastha Kamma Kapu Kshatriya Labanas Maravar Nair Nadar Reddy Thevar Vaishya

Groom's Current Profession

Architect CA Consultant Doctor Engineer Family Business IAS Officer Investment Banker Journalist Lawyer Project Manager Self Employed Teacher Unemployed

Groom's Monthly Salary (in )

Less than 20,000 20,000 - 30,000 30,000 - 40,000 40,000 - 50,000 50,000 - 70,000 70,000 - 1 Lakh 1 Lakh - 1.5 Lakh 1.5 Lakh - 2 Lakh More than 2 Lakh

Groom's Alma Mater

Indian Instititute of Technology (IIT) Indian Institute of Management (IIM) IIT + IIM Massachusetts Institute of Technology (MIT) Stanford Harvard None of the Above

The Groom is working in

India USA Any European Country/Any Country more developed than India Any Country less developed than India

Groom's Skin Color

Brown Black Fairy White Pitch Black (Not visible on a moonless night) White Wheatish (Almost White. Would need some Fair n Lovely)

Groom's Height

Less than 5'2" 5'2" 5'3" 5'4" 5'5" 5'6" 5'7" 5'8" 5'9" 5'10" 5'11" 6' 6'1" Greater than 6'1"

Number of times the Groom has married before

0 1 2 More than 2

Groom's Father's Profession

Doctor Engineer Lawyer CA IAS Officer Journalist Family Business Teacher

  

SBI Debit Card Expiry for BHIM App

Now a days a number of SBI account holders are trying to install BHIM App for cashless transactions. When they try to create a UPI Pin, the BHIM App asks for Debit card details. That's where the problem arises. Some of the old debit cards don't have expiry date (MM/YY) mentioned on it. Here we will tell you how to know your Debit Card Expiry Date.


Once you install BHIM App on your Smartphone and connect your Bank Account to it, then it will ask you to create a UPI PIN. In the process of creating a UPI PIN, it will ask last 6 digits of your SBI debit card and Expiry Date (MM/YY). Most of the old cards have "Valid From" instead of "Valid Upto". Here the SBI Debit Card users find themselves puzzled and don't know what to enter in "Expiry Date".

Here is a simple solution. Add 5 Years and 8 Months to "Valid From".
For Example : If your card shows Valid From: Feb 2012 , then add 5 Years 8 Months to Feb 2012. The final date comes Oct 2017. In MM/YY format its 10/17 .

I hope that it will solve the problem.

If the above solution does not work and you have your internet banking activated then you can check your card detail through netbanking. There you will be able to check the expiry date of your card. This date will be accurate.

There is one more tip. Some of the SBI debit card holders face problem with CVV code, as there is none at the back of card. In that case you may use last 3 digits of your ATM PIN as the CVV Code. For example if your debit card pin is 1234, the your CVV code is 234. 

Types of Banking Frauds and How to Save Yourself

Banking Frauds are becoming a common thing now a days. Every alternate day newspaper contain some sort of banking fraud case. However recently several groups were trapped which were indulged in such activities. Its better to save yourself from such frauds yourself, else you will just bang your head with pillars with no guarantee of getting your money back.

How to save yourself from Net Banking Frauds

Knowledge is the key to save yourself from net banking frauds. Instead of being non-tech-savvy its better to be tech savvy and save yourself. In the following article we will tell you about types of banking frauds and how to save yourselves from them. In the old times most of the bank frauds were related to forged signatures, but not both time and technology has changed. Passwords are the modern signatures. Use them with extreme precaution.

Here a few types of banking fraud techniques and how you can save yourself from them.

1. Cyber cafe fraud : If you use net banking from some cyber cafe then softwares/virus installed on those systems might steal your banking access information. Sometimes some hardware devices like keystroke tracker (attached on keyboard port) can also store all keystrokes pressed by you and later the hacker can get the userid and password of your net banking.
How to save Yourself:

• Use netbanking from your own device. Your own laptop / desktop / smartphone (with some anti-virus) is the safest place to use net banking.
• If you have to use it from cyber cafe then make sure that some antivirus is installed. Also make it sure that the browser / system don't remember your password.
• While accessing net banking from cyber cafe, use private mode available in most of the browsers. in private mode your browsing history is not stored in system.

2. Calling from Bank: If you ever get a call from bank and the person at the other end asks for your bank details (to verify it), then its a fake call.
How to save Yourself:

• Don't provide login details of your bank account or ATM card.
• Even if they say that its urgent then tell them that you will call the bank customer care yourself.
• If you think that there might be a genuine problem then contact bank customer care yourself.
• Even if the call is from your bank, don't provide your account access information.

3. Fake Emails: If you ever receive an email from bank that asks for your bank details then its also fake. Such emails also contain a link to a phishing website to enter your bank details. These phishing websites looks just like your bank website.
How to save Yourself:

• There is one way to find if its fake or not. Email address is of form abc@domainname.com . If the sender email does not contain your bank's domain name then its fake. Usually such fake emails use free email ids like gmail and yahoo.

4. Phishing Websites: Phishing website are replicated versions of original banking website. These phishing websites have a slightly different domain name, so that if any user reaches them by mistake , he/she will not be able to identify it as fake. Usually users fall in trap of such websites through fake emails (as discussed in last point) and enters his login details which is then sent to some hacker.
How to save Yourself:

• Always check the domain name of banking website before entering the login information.
• If you have mistakenly entered information on such website then immediately open the correct one and change your password and then report this fraud to your bank.

How to report a Net Banking Fraud

5. Don't ignore SMS : Messages from you bank are important. Suppose you have received a SMS from bank that some financial transaction has occured or some beneficiary is added in your account, and none of them is in your knowledge, then it means that your net banking information is stolen and somebody else is using it.
How to save Yourself:

• Change the netbanking password immediately
• Then report the crime to your bank through net banking or calling the customer care of your bank.
• Changing the PIN of your ATM card is also advised. 

Tips to choose a secure password for net banking

6. Always register your permanent mobile number with your bank. If you ever change that number, then must register the new number and get the previous one removed. If you don't do that then after sometime if somebody else gets the same mobile number from telecom company then he/she will recieve your banking transactions messages and may also harm you in some way.

We hope that the above information will help you in protecting yourself from netbanking frauds.

How to save yourself from Online Banking Frauds

How to save yourself from Online Banking Frauds

Online Banking Frauds are making news now a days. Most of the non-tech savvy people don't activate their net banking due to their fear of net banking frauds. Only the correct knowledge about internet banking and the correct way to use it can remove this fear. Most the online banking frauds occur due to ignorance of the user and mishandling of user access information like User-ID and Password.

• Use the correct website for Online Banking: In some cases of online banking fraud, user used the incorrect website (or Phishing website) for internet banking. For example, you wanted to open website of ABC Bank , which is abcbank.com -- but instead of opening that website you typed abvbank.com and a similar banking website opens and you use your used-id and password on it. Due to such foolish things your access information is stolen by some smart hacker who designed that similar looking website with almost similar domain name. Your one misspelling of that website name can lead you to something inappropriate for you. You can protect yourself from such things by just using bookmarks feature in your browser. Save your netbanking website name in your browser bookmarks and access it through those bookmarks instead of typing it yourself.
• Use some sort of Internet Security: There are a number of Antivirus available in the market that also provide internet security. These security softwares alert you, when you go to some phishing website. These security software also protect your system from some computer viruses which can target the sensisitive information stored on your computer.
• Don't save your netbanking passwords in your computer: Saving your netbanking password on your computer is a bad practice. It might save your time in logging into the website but it makes your access information vulnerable to others. If some tech-savvy person use your computer for a few minutes, he/she can easily copy that information. Some computer virus can also copy such information and send it to some other people without even sharing your laptop/desktop with somebody else. In such case antivirus software might help you, but its better not to store such information on your PC.
• Change your Password at a regular Interval: Changing your netbanking password at a regular interval is a good habit to be more secure. Even if somebody has stolen your old password , he/she will not be able to use it anymore.
• Keep you password in your Brain: Its better not to write your password anywhere else except your brain. But still if you think that you will not be able to remember it, then store it at a place which is not accessible by others and easily accessible by you. Know how to choose a secure password.
• Only shop through reputed websites: Online shopping is trending now a days. Try to go for Cash-on-delivery (COD), but when its comes to making payment online first check the reputation of shopping website before making any payment. If its a reputed website only then choose the option of online payment.

Types of Banking Frauds and how to save yourself

There is no harm in being modern and using the technology but its necessary to do it safely. There are pros and cons of everything, same is with net banking. So use Internet banking and play it safely for your own betterment.

How to report a Net Banking Fraud

Champcash : A New Way to Earn Good Money

What is ChampCash?

Champcash is the latest app for android users to earn some extra bucks. Its like a MLM (Multi Level Marketting) scheme, in which you make new members by sending them the link of Champcash app. There is no fee to join this programme, instead you have to install some apps suggested by Champcash to be eligible for earning.

Install Champcash Now

Is Champcash a Fraud ?

I was also concerned about this thing when I first heard about Champcash. I searched for this issue on internet but got nothing. So I concluded that it is not a fraud. 

Try ChampCash

How does Champcash earn and provide incentive to its users?

Champcash gets money from various companies by getting their apps installed on the android devices of users. Champcash distributes a certain percentage of its earning through this MLM scheme. In this way people participate in it and the apps get installed in millions of android smartphones. A number of MLM schemes are running all over the world (example – Amway). Majority of the MLM schemes make good money for those who join it at an initial stage. So don’t wait and Install Champcash on your Android device now.

Be a part of Champcash

How can you withdraw the amount from Champcash?

There are 2 ways to do so. If it’s a small amount that you want to withdraw then you can recharge any mobile with amount minimum $1. But if it’s a large amount then you can withdraw it using wire transfer of paypal transfer. Mobile recharge is done instantly while the 2nd method takes at least a month to get the balance in your bank account. But such amounts are worth waiting to get in your bank account.

How to install Champcash and be eligible for earning ?

Follow the following steps to install Champcash on your Android Smartphone.

• Install Champcash
• Open Champcash in your Phone and Signup
• It may ask you for Sponsor ID / Refer ID. Enter 43718
• Now it will give you a challenge to install some apps. "Accept the challenge" . You might need to to install 7 to 10 Apps to complete the challenge. This the the most tough step as it takes more that 100 MB of your mobile data and your time. You have to install these apps and then open them for at least 1 minute.
• Once you complete the above step you will be eligible for earning.
• Then you can invite your friends to be a part of this scheme.
• On every successful joining you get $0.5 to $1.5 depending upon your country. You can earn upto 7 levels of joining. But you commission decreases as the depth of level increases. But still it can earn you few good bucks. 

Whats the real benefit of joining Champcash ?

• Your network works for you. You have to work only during the initial stage. Once some good users have joined under you then they will work for you automatically. Their referrals will automatically add commission in your account up to further several levels.
• There is no limit for direct joining under you. So there is no limit to earning.
• It turns your mobile phone into an earning machine.
• Even if it don't make you a millionaire, it can earn you some extra money.
• Its a good thing for those who work from home and have internet access on their android smartphone.

Join Champcash Now and earn unlimited.

How to create Virtual Credit Card in SBI

State Bank of India, is one of the leading government banks of India which is fully utilizing technology and giving best customer services. Its not only a bank of common man but also of those who are tech savvy and don't want to go for private banks due to their higher charges.

Recently SBI (State Bank of India) has provided a facility of Virtual Card. Any body with a bank account in SBI, whose internet banking is activated, can use this facility. Virtual Card is a major breakthrough to stop Online Banking Frauds.

What is a SBI Virtual Card ?

SBI Virtual Card is not a physical card, so it cannot be used at ATMs to withdraw money. Virtual Card is for making online payments. You can create a virtual card with a shopping limit ranging from Rs 100 to Rs 50,000 . Once this card is used then it can't be used second time. So it removes the fear of being used second time by any body. By using this SBI virtual card you don't have to reveal your actual credit/ debit card details on a shopping website.

Is it Safe to use SBI Virtual Card ?

Yes, SBI Virtual Card is designed to make the online transactions safer for you. All aspects of online shopping are kept in mind by SBI while providing this facility to its customers. While you are creating a card by using your net banking service, you will receive a OTP (One Time Password) to complete the process. Similarly you will also receive a OTP while you are doing a transaction. So even if somebody has stolen your virtual card details, he/she will not be able to use it, as OTP is provided on your registered mobile number. Once you have used the SBI Virtual Card and financial transaction is done, then this card can't be used next time. This card is automatically cancelled after one transaction. If you don't use SBI Virtual Card within 24 to 48 Hrs of its creation, then its automatically cancelled.

How to create Virtual Card in SBI ?

To create a Virtual Card in SBI, you should have your SBI Netbanking activated. Once you are logged in to your net banking account , you can go to "eCards" menu to create a virtual account.
After creation of this SBI Virtual Card you will get all details to use it, such as card number, expiry (MM/YY) and CVV code.
To complete the SBI Virtual Card Creation process you will receive a OTP on your registered mobile number.

Are there any limitations on SBI Virtual Card ?

Yes there are certain limitations. These Limitations are provided below.

• You can't use SBI Virtual Card in ATMs to withdraw money as its not a physical plastic card.
• You can make transaction only upto a maximum limit of Rs 50000.
• You can not use the same SBI Virtual Card twice. You have a create a one more virtual card if you want to shop more.
• You can only use it for online shopping where VISA / Mastercard shopping is allowed.
• SBI Virtual Card can only be used for shopping in Indian Currency INR.

How is the money debited from my actual SBI account.

Once you have created a virtual Card with X amount, then X amount is transferred into your virtual card account for shopping purpose. Once the shopping is done, the remaining amount in virtual card account is transferred back to your actual account. If the shopping is not done then virtual card account is cancelled after 48 hrs of creation and all amount is returned back to actual account. You can also cancel the SBI Virtual card account manually before the 48 hrs period. No extra amount is debited from your account 

SWIFT BIC Code for ICICI Bank in India for Adsense Payment

Since Google Adsense has started Wire Transfer in India, most of the Adsense users are searching for SWIFT BIC Code. SWIFT BIC Code is usually available if you ask for it in your branch but in some cases you might face some difficulties in getting that. Some of my friends have bank account in ICICI bank and they struggled really hard to get their SWIFT BIC Code.


If you call the customer care of ICICI bank then the support staff their might provide you a SWIFT Code "CHASUS33XXX", which is incorrect when filled in the form of Adsense Account. I researched a lot to get the SWIFT Code of the ICICI Bank but in the end got the solution that you should contact your branch instead of Customer Care Number. If the staff of your ICICI Bank don't know it, then contact the Manager of ICICI Bank. And if the Manager also don't know the SWIFT BIC Code then its his responsibility to get you one after getting it from head office.

While i was researching for SWIFT BIC Code of ICICI Bank i found some SWIFT BIC Codes that might help you. So here i am providing the list of SWIFT BIC Codes of ICICI Bank that might help you in getting your Adsense payment. These SWIFT BIC codes are only for verification purpose. You must get it from you ICICI Bank branch.

SWIFT BIC Code for ICICI Bank

Bank or Institution	City	Branch Name	Swift Code
ICICI BANK LIMITED	AHMEDABAD	(AHMEDABAD BRANCH)	ICICINBB024
ICICI BANK LIMITED	BANGALORE	(REGIONAL TRADE SERVICES UNIT-BANGALORE)	ICICINBBRT3
ICICI BANK LIMITED	BANGALORE		ICICINBB002
ICICI BANK LIMITED	BHUBANESHWAR		ICICINBB061
ICICI BANK LIMITED	CHANDIGARH	(CHANDIGARH BRANCH)	ICICINBB013
ICICI BANK LIMITED	CHENNAI (MADRAS)	(NUNGAMBAKKAM BRANCH)	ICICINBB009
ICICI BANK LIMITED	CHENNAI (MADRAS)	(REGIONAL TRADE SERVICES UNIT-CHENNAI)	ICICINBBRT4
ICICI BANK LIMITED	CHENNAI (MADRAS)	(VOSTRO CELL-CHENNAI)	ICICINBBVC2
ICICI BANK LIMITED	COIMBATORE	(COIMBATORE BRANCH)	ICICINBB016
ICICI BANK LIMITED	HYDERABAD	(HYDERABAD BRANCH)	ICICINBB008
ICICI BANK LIMITED	HYDERABAD	(REGIONAL TRADE SERVICES UNIT-HYDERABAD)	ICICINBBRT5
ICICI BANK LIMITED	JAIPUR	(JAIPUR BRANCH)	ICICINBB012
ICICI BANK LIMITED	KOCHI	(KOCHI BRANCH)	ICICINBB010
ICICI BANK LIMITED	KOLKATA (CALCUTTA)		ICICINBB006
ICICI BANK LIMITED	LUDHIANA	(LUDHIANA BRANCH)	ICICINBB017
ICICI BANK LIMITED	MUMBAI	(ANDHERI BRANCH)	ICICINBB011
ICICI BANK LIMITED	MUMBAI	(CENTRALIZED PAYMENT HUB)	ICICINBBGRP
ICICI BANK LIMITED	MUMBAI	(CMS HUB)	ICICINBBCMS
ICICI BANK LIMITED	MUMBAI	(CROSS BORDER PAYMENT PROCESSING CENTRE)	ICICINBBNRI
ICICI BANK LIMITED	MUMBAI	(GLOBAL TRADE SERVICES UNIT-MUMBAI)	ICICINBBCTS
ICICI BANK LIMITED	MUMBAI	(OVERSEAS BRANCH UNIT)	ICICINBBOBU
ICICI BANK LIMITED	MUMBAI	(REGIONAL TRADE SERVICES UNIT-MUMBAI)	ICICINBBRT1
ICICI BANK LIMITED	MUMBAI	(SANGLI BRANCH)	ICICINBBSAN
ICICI BANK LIMITED	MUMBAI	(TREASURY)	ICICINBBTSY
ICICI BANK LIMITED	MUMBAI	(VOSTRO CELL-MUMBAI)	ICICINBBVC1
ICICI BANK LIMITED	MUMBAI		ICICINBB
ICICI BANK LIMITED	MUMBAI		ICICINBBFEX
ICICI BANK LIMITED	NEW DELHI	(DELHI BRANCH)	ICICINBB007
ICICI BANK LIMITED	NEW DELHI	(REGIONAL TRADE SERVICES UNIT-NEW DELHI)	ICICINBBRT2
ICICI BANK LIMITED	PUNE		ICICINBB005
ICICI BANK LIMITED	VADODARA (BARODA)		ICICINBB003
ICICI BANK LIMITED	VISAKHAPATNAM	(VISAKHAPATNAM BRANCH)	ICICINBB060
ICICI BANK LIMITED (ERSTWHILE THE BANK OF RAJASTHAN LTD.)	AHMEDABAD		BRAJINBBARA
ICICI BANK LIMITED (ERSTWHILE THE BANK OF RAJASTHAN LTD.)	BANGALORE		BRAJINBBBLR
ICICI BANK LIMITED (ERSTWHILE THE BANK OF RAJASTHAN LTD.)	BHILWARA	(GANDHI NAGAR, BHILWARA)	BRAJINBBGNB
ICICI BANK LIMITED (ERSTWHILE THE BANK OF RAJASTHAN LTD.)	CHENNAI (MADRAS)	(FOREIGN EXCHANGE DIVISION)	BRAJINBBMAS
ICICI BANK LIMITED (ERSTWHILE THE BANK OF RAJASTHAN LTD.)	DELHI		BRAJINBBDKN
ICICI BANK LIMITED (ERSTWHILE THE BANK OF RAJASTHAN LTD.)	HYDERABAD		BRAJINBBHYD
ICICI BANK LIMITED (ERSTWHILE THE BANK OF RAJASTHAN LTD.)	INDORE		BRAJINBBNPI
ICICI BANK LIMITED (ERSTWHILE THE BANK OF RAJASTHAN LTD.)	JAIPUR	(OVERSEAS BRANCH)	BRAJINBBOSJ
ICICI BANK LIMITED (ERSTWHILE THE BANK OF RAJASTHAN LTD.)	JAIPUR		BRAJINBBMIJ
ICICI BANK LIMITED (ERSTWHILE THE BANK OF RAJASTHAN LTD.)	JODHPUR		BRAJINBBSGJ
ICICI BANK LIMITED (ERSTWHILE THE BANK OF RAJASTHAN LTD.)	KOLKATA (CALCUTTA)	(FOREIGN EXCHANGE DIVISION)	BRAJINBBCRC
ICICI BANK LIMITED (ERSTWHILE THE BANK OF RAJASTHAN LTD.)	MUMBAI	(ANDHERI, MUMBAI)	BRAJINBBANM
ICICI BANK LIMITED (ERSTWHILE THE BANK OF RAJASTHAN LTD.)	MUMBAI	(FORT, MUMBAI)	BRAJINBBBYF
ICICI BANK LIMITED (ERSTWHILE THE BANK OF RAJASTHAN LTD.)	MUMBAI	(OVERSEAS BRANCH)	BRAJINBBOSM
ICICI BANK LIMITED (ERSTWHILE THE BANK OF RAJASTHAN LTD.)	MUMBAI		BRAJINBB
ICICI BANK LIMITED (ERSTWHILE THE BANK OF RAJASTHAN LTD.)	NEW DELHI	(OVERSEAS BRANCH)	BRAJINBBOSD
ICICI BANK LIMITED (ERSTWHILE THE BANK OF RAJASTHAN LTD.)	NEW DELHI	(SOUTH EXTENSION, NEW DELHI)	BRAJINBBDSE
ICICI BANK LIMITED (ERSTWHILE THE BANK OF RAJASTHAN LTD.)	PANIPAT		BRAJINBBPPT
ICICI BANK LIMITED (ERSTWHILE THE BANK OF RAJASTHAN LTD.)	PUNE		BRAJINBBPUN
ICICI BANK LIMITED (ERSTWHILE THE BANK OF RAJASTHAN LTD.)	SILVASSA		BRAJINBBSIL
ICICI BANK LIMITED (ERSTWHILE THE BANK OF RAJASTHAN LTD.)	TIRUPPUR		BRAJINBBTIR
ICICI BANK LIMITED (ERSTWHILE THE BANK OF RAJASTHAN LTD.)	UDAIPUR		BRAJINBBBBU