Without sending OTP on registered mobile number of account holder, no transaction may be allowed by banks, but RBI is silent on core issue



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Grievance Status for registration number : PMOPG/E/2022/0320689

Grievance Concerns To

Name Of Complainant

Yogi M P Singh

Date of Receipt


Received By Ministry/Department

Prime Ministers Office

Grievance Description

No payment from my account without OTP unless I grant my consent to the bank.Following error message displayed while making efforts frequently on the public grievance portal. Your public grievance portal is not working properly. Error: Some error occurred while registering our grievance. Please try again.

Grievance Status for registration number : DEABD/E/2022/99341 Bank: State Bank of India Branch / Name of Bank and Branch: City Branch of State Bank of India Account Number: 34645721675

Grievance Concerns to Name of Complainant Yogi M. P. Singh Date of Receipt 23/11/2022Undoubtedly customer has sole power of subscription payment and cancel subscription but here the applicant has unsubscribed quite obvious from attached document and now it is duty of bank to secure bank account and allow payment in the matter concerned and ensure no payment be allowed without OTP. 

#33696 October 1, 2022, October 1, 2024, ₹1,858.50 / month This subscription is set to renew automatically using your payment method on file. You can manage or cancel this subscription from your account page.

Finally, I have cancelled my subscription from my account page. Sir, the applicant wants that no payment should be made from the bank account of the applicant without OTP and if it is done, the bank will be responsible for that because we have cancelled any such subscription in which payment is made without OTP.  It happens that there are very clever and vicious people who take payment without OTP, who have no address, no office, just a setting.

Sir, the applicant wants assurance from the bank that appropriate action has been taken by the bank on the request of the applicant, now there is no such thing left to clarify that the applicant supports any kind of payment in which payment is made without one time password.  Let's be done and hope that while solving the complaint of the applicant, the bank will take care that every doubt of the applicant will be cleared by his assurance, for which the applicant will always be grateful to the respected sir. 

Subject: Re: DEABD/E/2022/99341 Name Yogi M. P. Singh

 Following is the report of the branch manager in the aforementioned grievance. 

Dear Sir,

We have contacted the customer and got a reply that he has subscribed an organic traffic site for advertisement and Rs.1858.50/- deducted on the 1st date every month, Customer have unsubscribed the facility at their own level. Customer is responsible for subscribing and unsubscribing such a facility, when we call the customer has replied it is just to bank information.

It is quite obvious that he did not ensure that no further payment will be made to organizations of doubtful integrity. 

Rating Remarks

श्रीमान जी यह सभी जानते हैं कि इस ढंग की परेशानी इसलिए पैदा हो रही है क्योंकि इस ढंग के ट्रांजैक्शंस में वन टाइम पासवर्ड नहीं आता है जबकि वन टाइम पासवर्ड सभी बैंकों को चाहिए कि वह कंपलसरी करें यदि वन टाइम पासवर्ड अनिवार्य होता तो हमें भारतीय स्टेट बैंक से संपर्क करने की आवश्यकता ही नहीं थी प्रार्थी आराम से पेमेंट रोक देता है यह परेशानी इसलिए पैदा हुई कि जब प्रार्थी ने सब्सक्रिप्शन आफ किया तो अनसब्सक्राइब करने के पश्चात कोई मैसेज नहीं आया इसलिए प्रार्थी को शंका हुई श्रीमान जी रिजर्व बैंक ऑफ इंडिया तो नियामक प्राधिकरण है एक और तो उसने बैंक कार्ड सेव करने पर पाबंदी लगा दी है जबकि वह पेमेंट वन टाइम पासवर्ड से होता है वहीं दूसरी तरफ इस धन के मनमाने ट्रांजैक्शन स्कोर मंजूरी दे दी जाती है जो कि भ्रष्टाचार से परिपूर्ण है किसी भी नियामक प्राधिकरण को अपनी नीतियां किसी के दबाव में नहीं लानी चाहिए बल्कि जिसमें जनता का हित हो वही सर्कुलर जरूर होने चाहिए सोचिए उन परिपत्रों का क्या महत्व जो सिर्फ दिखावे के लिए हो जिससे कोई सुधार हो ही ना सिस्टम में सुशासन उसे कहते हैं जो एक सामान्य व्यक्ति तक पहुंचे

Grievance Document

Current Status

Grievance Received   

Date of Action


Officer Concerns To

Forwarded to

Prime Ministers Office

Officer Name

Mukul Dixit, Under Secretary (Public)

Organisation name

Prime Ministers Office

Contact Address

Public Wing 5th Floor, Rail Bhawan New Delhi

Email Address


Contact Number



An anti-corruption crusader. Motive to build a strong society based on the principle of universal brotherhood. Human rights defender and RTI activist. Working for the betterment of societies and as an anti-corruption crusader for more than 25 years. Our sole motive is to raise the voices of weaker and downtrodden sections of the society and safeguard their human rights. Our motive is to promote the religion of universal brotherhood among the various castes communities of different religions. Man is great by his deeds and character.

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