The Reserve Bank of India has taken a big step regarding digital payment. In fact, the Reserve Bank of India has issued new rules to make digital payment more secure and reliable on Thursday 25 September. Under these rules, online transactions will not be done only on SMS based OTP, but now customers will be able to pay with fingerprint, face recognition, password, pin or other biometric options. At the same time, these new rules will be implemented from 1 April 2026.

Now two factor authentication will be stronger

Currently, most banks and payment apps use only OTPs to confirm transactions. However, even after the new rules, the use of OTP will continue as before. But this will not be the only option of payment. Now under the new rules of the Reserve Bank of India, three categories will be valid for verification.

1. Any item near the user-The mobile, hardware token

2. The information that users know- Such as password, pin or nearby frame

3. Identification of user- Such as biometric, fingerprint, face recognition

Now every transaction will have unique verification

Regarding the new rules, the RBI has clearly stated that every payment will definitely have at least one such authentication factor which will be different and new for that transaction. This means that the old or repeated code will no longer work, which will reduce the possibility of fraud. At the same time, after these changes, banks and payment provides will now be able to do risk analysis for the safety of transactions. This will include the location of transaction, user behavior, device information and previous transactions. At the same time, safe platforms like extra verification and digital locker can be used on more danger payments.

Violation and compensation of rules

Under the new rules, if the customer’s money is lost in digital fraud due to not following the new rules from any financial institution and negligence, then the concerned institution will have to make complete compensation for that loss. Apart from this, these strict verification rules will also be implemented in card not present type foreign transactions from 1 October 2026. This step will be especially for transactions that are taken outside India.

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Goa and Antarctica are located at two different ends of the world. The weather, situation and environment of both are completely different. Goa which is situated on the beach. Tourists come here to visit a lot. The pleasant weather, sea shore and beautiful view attracts people a lot here. There is Antarctica on one side. There is only snow all around here. It is much difficult to live in this place than the plains. But do you know that one thing is the same in Goa and Antarctica. The pin code number of these two places is similar. After all, let’s know why it is so.

Why one of Goa and Antarctica PIN Code is one?

If you want to post a letter in Antarctica, then write the PIN code number of Goa on it, it will reach Antarctica. Now you must be wondering what we are joking. But this is not a joke but true. Actually the pin code of Goa and Antarctica is the same. The PIN code of both opposite places is 403001. Actually it happened that in the year 1983, when India’s first research center was opened in South Gangotri Antarctica. A year later, a post office was opened in South Gangotri.

Where does the letter sent for Antarctica go

This was the first post office outside the Indian sub-continent. This post office was opened there so that the families of researchers can write a letter to them, but how will the letter reach there? This was a big question. The answer was that all such letters should be posted Goa. When you write PIN Code 403001 with Antarctica in the address of the letter, this letter will first go to ‘National Center for Polar and Ocean Research’ NRPor located in Port Town Vasco, Goa. After this, these letters are given to the researcher who is going to Antarctica.

Why NCPor goes letters

Letters are canceled and brought back to the research center. After this, it is returned through post. According to the officials, ‘cancellation’ has to be traced on the postage stamp or stationery, which is to eliminate the ticket or prevent the fir from reuse. Actually, NCPor in Goa is the center of Indian campaigns in Antarctica, so Goa’s PIN code is used in it.

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