Essential Guide

Financial Security:
Your Money's Defense System

Q: How much money should be in my Emergency Fund?

A safe rule is 6 months of your monthly expenses (Rent + Food + EMI). Keep this in a separate Savings Account or a Liquid Mutual Fund where you can withdraw it instantly.

Q: Is it safe to share my UPI ID with strangers?

Yes, sharing your UPI ID (e.g., name@okicici) is safe for receiving money. However, NEVER share your UPI PIN. Remember: You need a PIN to send money, never to receive it.

Q: What is the 1930 helpline number?

1930 is the National Cyber Crime Reporting Helpline in India. If you lose money to an online scam, call this number immediately (within the 'Golden Hour') to increase the chances of freezing the fraudulent transaction.

Earning money is hard. Losing it to a scam takes seconds. Learn how to shield your wealth, insure your future, and fraud-proof your accounts.

తెలుగులో చదవండి (Read in Telugu)

💡 Why This Matters

A secure financial foundation protects you from "Bad Luck" events. Before you invest in stocks or crypto, you must build these defenses first.

1 Security Audit

Before investing, check if you have the basics covered. A low score means you are vulnerable to financial shocks.

🛡️ The 3 Pillars

• Emergency Fund: 6 months expenses in liquid cash.
• Insurance: Term (Life) & Health cover.
• Nominations: Legal heirs added to accounts.

Your Safety Score

Live Analysis

Emergency Fund (6 mo)

Health & Term Insurance

Nominees Added

Never Share OTP/PIN

2FA Enabled (Email/Bank)

Select items to analyze your safety.

2 Challenge: Spot the Scam! 🕵️‍♂️

Scammers are getting smarter. Can you identify which message is a fraud? Test your skills now.

Unknown Number

Online

Loading scenario...

10:42 AM

Scenario 1 of 4

3 Common Indian Scams

UPI "Receive Money" Fraud

High Risk

Scammer sends a QR code or "Collect Request" and says "Scan this to receive cashback".

⚠️ Rule: You enter PIN only to SEND money, never to RECEIVE.

KYC / PAN Blocked SMS

Daily

SMS: "Your SBI YONO account blocked. Update PAN immediately via this link: bit.ly/..."

🛡 Action: Never click SMS links. Open the official Bank App instead.

Victim of Cyber Fraud?

Call the National Cyber Crime Helpline immediately. The faster you call, the higher chance to freeze the money.

📞 Dial 1930

⚠️ Latest Financial Frauds (Monthly)

Hot

OLX / QR Code Scam

A 'buyer' sends a QR code to 'pay' you. Scanning it *debits* money from your account instead.

Read Alert New

Telegram 'Crypto Pump'

Groups promise "inside tips" on a new coin. You buy, price jumps, they sell, and you lose everything.

Read Alert

Fake Loan Apps

They offer instant loans, steal contacts, and harass you with threats. Check RBI list first.

Read Alert

1️⃣ Digital Safety & Banking

Identify Fake Apps

Check publisher names & download counts. Never download APKs from SMS links.

10 Golden UPI Rules

Rule #1: Never enter PIN to receive money. Rule #2: Verify recipient name.

Cyber Safety Checklist

Strong passwords? 2FA active? Apps updated? Check your digital hygiene.

2️⃣ Govt & Legal Safety Nets

DICGC Insurance (₹5L)

Your bank deposits (Savings, FD) are insured up to ₹5 Lakh per bank by RBI.

RBI CMS & SEBI SCORES

Official portals to complain against Banks (RBI CMS) and Stock Brokers (SEBI SCORES).

Check Registered Apps

How to verify if a Loan App is legal and registered with RBI before downloading.

3️⃣ Smart Financial Habits

50-30-20 Rule

50% Needs, 30% Wants, 20% Savings. The simplest budgeting rule.

Financial Folder

Organize all your family's documents (Insurance, Bank, Property) in one place.

5 Monthly Habits

Review statements, pay bills on time, and check your credit score regularly.

5️⃣ Safe Investing

Govt-Backed Options

PPF, Sukanya Samriddhi, RBI Bonds - Zero risk wealth creation tools.

Avoid Ponzi Schemes

If it promises "2% daily profit", it's a scam. Learn to spot fake schemes.

Investor Checklist

Is the app SEBI registered? Is the website secure? Ask before investing.

✍️ Real Stories, Real Lessons

"How I Lost ₹50,000..."

"I thought I was receiving money. I entered my PIN..." A real scam victim story.

Read Story →

550 to 750 CIBIL Score

"My loan was rejected. That was my wake-up call." A journey of rebuilding credit.

Read Journey →

The ₹5 Lakh Bill

"We thought we were healthy. Then surgery happened." Why insurance matters.

Read Experience →

🛠️ Security Tools

💰

Emergency Fund Calc

Calculate your 6-month safety net.

Use Tool 🛡️

Term Insurance Calc

How much cover does family need?

Use Tool 👴

Retirement Calc

Plan your future security today.

Use Tool

Frequently Asked Questions

How much money should be in my Emergency Fund?

A safe rule is 6 months of your monthly expenses (Rent + Food + EMI). Keep this in a separate Savings Account or a Liquid Mutual Fund where you can withdraw it instantly.

Is it safe to share my UPI ID with strangers?

Yes, sharing your UPI ID (e.g., name@okicici) is safe for receiving money. However, NEVER share your UPI PIN. Remember: You need a PIN to send money, never to receive it.

What is the "1930" helpline number?

1930 is the National Cyber Crime Reporting Helpline in India. If you lose money to an online scam, call this number immediately (within the "Golden Hour") to increase the chances of freezing the fraudulent transaction.

Why is a "Nominee" mandatory?

If an account holder passes away without a nominee, the family faces huge legal hurdles to claim the money. Adding a nominee ensures the bank transfers funds to your loved ones instantly with just an ID proof.

Financial Security: Your Money's Defense System