The worked question on this page is original educational practice. It is not represented as a question from an official previous-year examination paper.
01 / UNDERSTANDING
Review the question
Write an original phone-call case where personal familiarity is the distractor and credential protection is the decisive action. Include a familiar caller detail that still fails to authenticate the request. An original checkpoint is: What is the safer response to the caller’s request for a one-time code? Supported answer: Do not disclose it; independently contact the bank through a verified channel. Explain the decisive fact, then alter one condition and solve again. This is an original practice method, not a claim that the question appeared in an official past paper.
02 / UNDERSTANDING
The concept in context
An urgent tone, familiar logo or caller identity claim does not establish that the request is genuine. A useful study check is to identify which credentials authorise access or payment, then locate an independent official contact route. Explain why the method fits the stated facts before applying it to a changed situation.
03 / UNDERSTANDING
A worked learning case
A fictional caller says a customer’s account will be blocked unless the customer reads out a one-time code. The customer ends the call and uses the contact route already available in the bank’s official app. This preserves the distinction between reporting a concern and giving a stranger a credential that may authorise an unwanted action.
ORIGINAL EDUCATIONAL PRACTICE
Try it before you check.
What is the safer response to the caller’s request for a one-time code?
Show the answer and reasoning
Do not disclose it; independently contact the bank through a verified channel.
The caller’s claim does not prove authority, and a one-time code may authorise access or a transaction. Independently initiating contact avoids relying on the suspicious caller’s instructions or link. The customer can describe the concern and obtain official assistance without reading out a secret authentication credential to the caller.
Two traps to watch for.
- Trusting a credential request because the caller knows a name.
- Treating an urgent account-block warning as verified evidence.
YOUR TOPIC-SPECIFIC LEARNING MAP
Learn from the attempt
Identify which credentials authorise access or payment.
Practise ending suspicious requests without disclosure.
Locate an independent official contact route.
Explain the idea, apply it to a new situation, then check what changed in your reasoning.
BANKERS TUTORIAL · SOURCE NOTES
Keep the source alongside your notes.
Official links provide subject context and authoritative reference material. This guide’s explanation, scenario and question are original Bankers Tutorial learning content.
- systemhealth.rbi.org.in https://systemhealth.rbi.org.in/cms.rbi.org.in/cms/assets/Documents/BEAWARE07032022.pdf
- www.rbi.org.in https://www.rbi.org.in/commonman/images/FAME%20Booklet%20second%20edition/FAME%20Booklet%20English/FAME30072020.pdf
For Banking foundations preparation, check the current official notice before relying on changing dates, rules or examination requirements.
