Security Tips

SECURITY TIPS FOR BANK CUSTOMERS - PLD BANK

Last Updated: January 2026

1. PROTECT YOUR PERSONAL INFORMATION

- Never share your account number, passbook, or KYC documents with unauthorized persons. - Do not share your Aadhaar number or PAN number on phone calls claiming to be from the bank. - Keep your passbook in a safe place. Report loss of passbook immediately to your branch. - Do not write your account details on loose papers or unsecured documents.

2. LOAN-RELATED SAFETY

- Verify all loan documents before signing. Read the terms carefully. - Ensure the loan amount, interest rate, and repayment schedule are clearly mentioned. - Never sign blank loan application forms or blank promissory notes. - Keep copies of all loan documents and repayment receipts. - The bank staff will never ask for cash payments for loan processing. All payments must be made through the bank counter with proper receipt.

3. GOLD LOAN SAFETY

- Always collect the gold loan receipt and pledge token. - Verify that your gold is sealed and stored securely at the branch. - Repay the loan on time to reclaim your gold. - Collect your gold personally after loan closure and verify its weight and quality.

4. FRAUD PREVENTION

- Be cautious of phone calls claiming you have won a lottery or prize. The bank does not conduct such schemes. - Never deposit money in accounts suggested by unknown callers claiming to be government officials. - Do not share OTP (One Time Password) with anyone, even if they claim to be from the bank. The bank does not use OTP for transactions. - Be wary of people offering to help you withdraw money or open accounts. Always deal directly with bank staff at the counter. - Report any suspicious calls or messages to your branch immediately.

5. CHEQUE AND CASH SAFETY

- Write cheques carefully. Do not sign blank cheques. - Cross your cheques (write "Account Payee" or "A/c Payee") when possible. - Count cash carefully before leaving the bank counter. The bank is not responsible for discrepancies reported later. - Do not accept torn, damaged, or suspicious currency notes. Report them to the cashier immediately.

6. DIGITAL SAFETY (FOR WEBSITE AND WHATSAPP)

- The bank does NOT offer internet banking, mobile banking, or ATM services. If anyone claims otherwise, it is fraud. - Our official website is for information only. No transactions can be done online. - Only use the official WhatsApp number provided on this website: 918387220208. - Do not click on suspicious links claiming to be from PLD Bank. - The bank will never ask you to transfer money to a personal account.

7. PASSBOOK AND STATEMENT SAFETY

- Update your passbook regularly at the branch. - Check your passbook entries for any unauthorized transactions. - Report any discrepancies immediately to the Branch Manager. - Keep your passbook securely. A duplicate passbook can be issued for a nominal fee with proper verification.

8. NOMINATION

- Ensure you have nominated someone for your deposit and loan accounts. - Keep nomination details updated, especially after major life events like marriage or birth of a child. - Nomination ensures your family can access your deposits without legal complications.

9. GRIEVANCE AND FRAUD REPORTING

- If you suspect fraud or unauthorized access to your account, contact your branch immediately. - Call 08387-220208 or visit Head Office, Honavar. - You can also report fraud to the local police station. - For cyber fraud, call the National Cyber Crime Helpline: 1930.

10. GENERAL SAFETY TIPS

- Visit the bank during working hours (Mon-Sat, 9:00 AM - 5:00 PM, except 2nd Saturday and public holidays). - Do not share banking details with friends or relatives. - Keep your signature consistent. Avoid frequent signature changes. - Inform the bank about any change in your address or phone number. - For senior citizens: The bank offers doorstep service for senior citizens above 70 years. Contact your branch for details.

REMEMBER: PLD Bank staff will NEVER: - Ask for your PIN, password, or OTP - Ask you to transfer money to a personal account - Visit your home to collect cash or documents (unless part of an authorized doorstep service) - Promise guaranteed returns on investments other than fixed deposits

If in doubt, always verify with the Branch Manager.

For any security concerns: PLD Bank, Head Office, Honavar Phone: 08387-220208 Email: pldbhonavar@gmail.com Cyber Crime Helpline: 1930