RBI News: The government is continuously appealing to the public to go digital. But on the other hand, Reserve Bank of India i.e. RBI is talking about depositing cash directly in the phones of customers. Everyone is surprised to hear this from the Reserve Bank that how can this happen? RBI itself is informing its customers about this. Let us tell you how.

RBI’s message
Actually, a message is going to people’s phones from RBI. Through which it is being told that soon they are going to send cash directly to people’s phones. It is written in this message, ‘What if cash comes to your phone itself? This is possible with Digital Rupee (eRupee). According to this message, RBI is talking about putting digital money in your phone. Through which you will be able to easily make payment anywhere.

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It is further written in this message, ‘Digital currency issued by RBI. No worries about change. Works on all QR codes including UPI. Now pay smartly, with the confidence of the Central Bank of India. RBI says digital rupee: cash, but digital. According to this message, RBI is now emphasizing on adopting digital currency and not UPI.

What is digital currency?
Digital currency is like cash but in digital form. This rupee is an electronic form of money, which cannot be touched but can be used. It can be used on mobile, computer or as a digital wallet. With this, online payment, sending money, shopping, all these things can be done.

RBI is now promoting this digital currency in place of cash. So that people minimize the use of cash and do all the work digitally.

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Bank Loan EMI: If you have taken a loan from a bank or any non-banking financial company and for some reason you have not been able to pay its EMI on time, can the bank block your mobile SIM? Know what is its truth and what is very important for you to know.

If a person does not pay the EMI, the bank can adopt legal means to recover the amount paid, but it is not within its power to block the mobile number.

Can phone features ever be limited?

If you are not able to pay the EMI on time, the bank cannot block your mobile number or SIM, but it can definitely have some other disadvantages.

• First of all, your credit score may get worse. This means that it may be difficult to get a home loan, car loan, personal loan or credit card from the bank in future.
• On late payment of EMI, the bank can also charge penalty, late fee and additional interest. Due to this you may have to pay more money.
• If the EMI is not paid for several months, the bank can also take legal action as per the rules.
• If you have taken a loan by mortgaging your house, car or any other thing, then the bank can take action on that also.

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Can phone features be disabled?

This can happen only when you have purchased the mobile phone on EMI. According to RBI rules, the bank cannot take any immediate action. If EMI is not paid for at least 90 days and only after the entire process is completed, some features of the phone can be banned. But essential services like calls, internet and emergency (SOS) cannot be stopped completely.

What do experts recommend?

Financial experts say that if for some reason there is difficulty in paying EMI, it is better to contact the bank immediately instead of hiding the matter. Many banks also provide facilities like loan re-structuring, change in EMI or additional time for payment if needed. By talking in time, the matter can be avoided from getting worse and leading to legal disputes.

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Bank holiday Alert: A new week is going to start tomorrow from 13th July. If during this time you are thinking of going to the bank to settle any important work, then this is important news for you. Government and private sector banks in India will remain closed for four days between July 13 and 19 on the basis of state and local holidays. This holiday is not a national holiday. That is, during this period, banks will not remain closed simultaneously in the entire country, but will be implemented in different states due to state and city-wise local festivals.

Bank holidays falling next week

16 July (Thursday)- Banks will remain closed in Uttarakhand and Manipur due to Harela festival. There will be bank holidays in Odisha due to Rath Yatra.
17 July (Friday)- Banks will remain closed on this day in Meghalaya due to the death anniversary of U Tirot Singh.
18 July (Saturday)- Banks will remain closed on this day in Sikkim due to Drukpa Tshe-zi.
19 July (Sunday)- Due to weekly holiday, banks will remain closed across the country.

Government and private sector banks will remain open in most parts of the country on Monday (July 13), Tuesday (July 14) and Wednesday (July 15). Work will continue as usual. In such a situation, customers are advised that if there is any important work related to the bank branch such as cash deposit, check clearance or in-person banking, then get it done in the initial days of the week.

On what other days will banks remain closed in July?

22 July- Banks will remain closed on this day in Tripura due to Kharchi Puja.
25 July- Banks will remain closed in India due to the fourth Saturday. This is a mandatory holiday for all scheduled and non-scheduled banks.
26th July- Banks will remain closed across the country due to weekly bank holiday.

Digital services will remain operational

Despite bank branches being closed, you can do money transactions, bill payment, balance check etc. through internet banking, mobile banking app and ATM.

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RBI Guidelines on 2000 Rupee Note: When demonetization took place in the year 2016, the government stopped all the old notes within a short time. After which new notes of Rs 100, 200, 500 and 2000 started coming in the market. Out of which 100, 200 and 500 rupee notes are still circulating in the market. But Rs 2000 notes have stopped being made and have also been withdrawn from the market. But still many people still have Rs 2000 note.

Rs 2000 note will not circulate in the market!
A few years after demonetization, the government had also banned Rs 2000 notes. But these notes are still lying in the safes of many people. However, now these notes are of no use because no one is buying them in the market, so what will happen to these notes now? Will it get spoiled lying around? No, it is not like that at all. RBI itself has suggested a method for this.

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What to do with Rs 2000 note?
Actually, RBI i.e. Reserve Bank of India has recently shared a post through its official X (Twitter) account. In this post, it has been told by the bank that if you have a note of Rs 2,000, then you can get it exchanged from the bank. It is written in this post, ‘If you still have Rs 2000 note, then this information is for you’.

• The Rs 2,000 note is still completely legal tender.
• You can change it by going to 19 issue offices of RBI.
• If you cannot go there, you can send the note to any RBI issue office through India Post and deposit the amount in your bank account.

Most ₹2000 banknotes in circulation have already been returned, but if you still have one, here’s what you should know:

– ₹2000 banknotes continue to be legal tender
– You can exchange them at the 19 RBI Issue Offices
– You can also send them through India Post to any RBI… pic.twitter.com/5k5AShAXSF

— ReserveBankOfIndia (@RBI) July 9, 2026

Further in this post, the bank has asked people to stay connected to the updates of RBI for any such information. Also asked to contact RBI website for more information.

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So if you are still keeping a note of Rs 2,000, which is of no use. So you can easily get it exchanged from RBI.

ATM Cash: In today’s time, many bank related tasks are now done much easier than before, where earlier people were able to withdraw money from the bank by standing in long queues, now cash can be easily withdrawn from the ATM located near the house. But for some time now, complaints of ATMs being found empty in many cities of the country are coming to the fore. In many cities, people are not getting cash from ATMs for the last 2 to 3 months, which is also being complained about continuously. Amidst the increasing complaints, now the Reserve Bank of India i.e. RBI has started investigating the entire matter.

RBI asked for data from banks

NDTV Profit has quoted sources as saying that regarding the shortage of cash in ATMs, RBI has asked all the banks for complete details of cash available in Tier-2 and smaller cities. With this, it will be found out as to why cash is not available in ATMs at various places. Apart from this, RBI is also trying to find out whether some banks have deposited too little cash in towns and small cities or whether the cash in ATMs has not been reloaded on time, due to which this problem is occurring. RBI has made it clear that if anything like this is found then action will be taken.

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What did the banks say?

On this matter, banks say that the situation cannot be ascertained only by looking at the total cash stock. According to banks, notes which are damaged or mutilated cannot be inserted in the ATM.

In which states was the impact seen the most?

People in rural and semi-urban areas have been most affected by the problem of not being able to withdraw cash from ATMs. According to the report, it was more affected in these states like…

• Andhra Pradesh
• Telangana
• Karnataka

These are such states where complaints of not getting cash from ATMs have come to light.

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How to Recognize 100 Rupee Original Note: Many times when we go shopping in the market, we get change. Many times such notes are also found in this change of money, seeing which the question comes to mind whether it is real or fake? Many times there are fake notes which look just like the original ones. In such a situation, it is very difficult to identify them. But here we are going to tell you how to identify the authenticity of Rs 100 note.

RBI told how to identify genuine notes?
Complete information about Indian currency is given on the official website of RBI. In its bank notes section, methods to identify the genuineness of all the notes have been explained. For example, 7 tips have been given to identify Rs 100 note. Through which you can find out whether the Rs 100 note received by you is real or fake.

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• On the bottom left side of the note, there is a see-through register (see-through security mark) with the number ‘100’, which is clearly visible when the note is held against the light.
• The value of ‘100’ is also written in Devanagari script on the original note.
• There is a picture of Mahatma Gandhi in the middle of the front part of the note.
• The right side of the note bears the guarantee clause, the signature of the RBI Governor (along with the undertaking to pay) and the emblem of the Reserve Bank of India (RBI).
• Below the note, there is a number panel on the right side, in which the numbers are written from small to big.
• There is also a number panel on the left side of the note, in which the numbers appear in sizes ranging from small to large.
• There is a symbol of Ashoka Pillar on the bottom right side of the note.

With these 7 methods suggested by RBI, you can differentiate between genuine and fake notes. With this you will not become a victim of any kind of fraud or fraud.

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Bank of Baroda: Nowadays, most of the people deposit their savings in the bank, so that they can get interest on it and benefit from it. Apart from this, many people also take loan from the bank when needed. In such a situation, imagine that if for some reason RBI takes action against the bank in which you have an account, then in such a situation many questions will arise in the minds of the customers. Meanwhile, the Reserve Bank of India i.e. RBI has imposed a fine on Bank of Baroda. Know the reason behind this fine?

Why did RBI impose penalty on the bank?

RBI’s investigation has revealed that the bank did not follow some important rules related to KYC and Fair Practice Code for lenders, hence a fine was imposed on it. Apart from this, investigation also revealed that more interest was charged on some loan accounts than the prescribed norms. Not only this, but KYC records of some customers were also not uploaded on time.

All allegations turned out to be true

Let us tell you that during the investigation by RBI, lack of compliance with the rules was found, after which RBI sent a notice to Bank of Baroda to explain the reason. In which RBI found the allegations true, after which a fine of Rs 63.60 lakh was imposed on the bank.

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Will customers face problems?

• RBI took this action for not following the rules of the bank.
• Therefore, this fine will not have any impact on the bank accounts of the customers.
• Whatever service the customers are taking from the bank, it will continue as before.
• This action will not affect the customer.

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How to Recognize Real 200 Rupee Note: Whenever we go to the market for shopping, many times we do not check the change that we get by giving a tied note. We think that the note received must be correct. But many times people also become victims of fraud by keeping notes without checking them. To avoid such fraud, RBI has told 7 ways to the customers to identify genuine notes. Let us know.

RBI told the ways
Actually, RBI has given some methods on its official website to identify the genuineness of all Indian notes. In this, seven tips have been given to identify the original note of Rs 200. Let us also tell you about these tips, with the help of which you will be able to easily identify genuine notes of Rs 200 and will not get cheated by fake notes.

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Identify 200 rupee note like this

• There is a transparent part at the bottom left side of the Rs 200 note, in which ‘200’ is written. It is clearly visible when the note is kept in front of the light.
• On the Rs 200 note, the amount ‘200’ is also written in Devanagari (Hindi) numbers.
• There is a photo of Mahatma Gandhi in the middle of the front side of this note.
• On the right side of the note, the signature of the Governor, promise of payment (guarantee clause) and the logo of RBI are made.
• There is a panel of numbers on the left side of this note, in which the numbers are written in small to big sizes.
• Similarly, there is a panel of numbers on the bottom right side, in which the numbers appear in sizes ranging from small to big.
• The symbol of Ashoka Pillar (national symbol) is also made on the bottom right side of the note.

So now whenever you get hold of a Rs 200 note and you have even the slightest doubt that the note is fake, then check these seven important signs carefully. This will also save you from any kind of fraud.

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RBI News: Reserve Bank of India i.e. RBI has started a new facility, through which government financial institutions can now get some relief. This new facility is Concessional Forex Swap, with the help of which now it will be easier and cheaper for government financial institutions to take loans from abroad than before. Rating agency S&P Global Ratings has told about this through its report on Thursday.

Facility started last month
In fact, to attract foreign capital to India, RBI had started a special forex swap facility last month. Under this, if public sector (PSU) companies raise External Commercial Borrowings (ECB) from abroad till September 30, then RBI will provide them the facility of only 1.5% annual premium on Dollar Rupee Swap for a period of 3 to 5 years.

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Talking about this, S&P Ratings Agency analyst Geeta Chugh told Money Control that encouraging government financial institutions to take loans from abroad will bring foreign currency into India. This will strengthen the country’s foreign exchange reserves, support the rupee and this capital will further reach various sectors and boost the economy.

What is written in the report?
According to the S&P report, the biggest advantage of this facility is that it eliminates the risk of foreign currency fluctuations at a very low cost. This means that government financial institutions will be able to take cheap loans from abroad without taking much risk. This will reduce their funding costs and they will come forward to raise more foreign loans.

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500 Rupees News: As technology is progressing, the intentions of fraudsters are also increasing. The business of fake notes has always been in the news. Many efforts are made to control this, but still fake notes end up in the pockets from somewhere. Meanwhile, now RBI (Reserve Bank of India) has also told people about the difference between real and fake notes. If you also have a Rs 500 note, check it quickly.

RBI told the difference between real and fake notes
Reserve Bank of India (RBI) takes very good care of its customers. In such a situation, he also keeps making customers aware through his social media. Now recently RBI has shared a post through its official X (Twitter) account. In this post, the Central Bank has mentioned a special feature to identify the genuine note of Rs 500.

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A photo of a Rs 500 note is attached with this post. In which a spot on the note is shown by focusing and zooming through a magnifying glass on which the line ‘INDIA भारत’ is written. Along with this, it has been explained through this image how to differentiate between fake and genuine notes. See the post here:

In times when counterfeit currency is a growing concern, knowing the smallest details can make the biggest difference.​

Learn about one such security feature “Microlettering” on the ₹500 note.​

For more information on other security features, visit: https://t.co/vLDWXwbbI2… pic.twitter.com/AxY829jwc8

— ReserveBankOfIndia (@RBI) July 1, 2026

MICROLETTERING is a special feature
While sharing this post, it is written in the caption, ‘Nowadays the cases of fake notes are increasing. In such a situation, knowing even the smallest security features of the note can save you from big losses. Know about one such special security feature ‘Microlettering’ present in Rs 500 note.

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RBI has told in this post that the microlettering of the note is its special feature, which tells the difference between real and fake. Also wrote:

• These microletters ‘Bharat’ and ‘INDIA’ are on the shawl fold of Mahatma Gandhi.
• Microletters RBI will be seen on the frame of Mahatma Gandhi’s spectacles.
• Microletter RBI500INDIA will be visible on the left side of the bank note.

RBI has also told in this post that if there is any issue related to the identity of the note or the note, then you can go to the RBI website for its verification and enquiry. If you have also received a note and it is difficult for you to identify whether it is real or fake, then identify the note with this technique of RBI.