In my PNB bank account, the bank has credited ₹8000 by NACH without my knowledge. What should I do?

If an unwarranted Rs 8000 credit appears on your account via NACH (National Automated Clearing House), here’s what to do:

1. Notify Your Bank: Immediate action should be taken in order to notify your bank about an unauthorized transaction, providing all relevant details such as date and source of credit.

2. Request an Investigation: Ask the bank to look into your case and reverse any unapproved transactions, since banks have procedures in place for dealing with fraudulent or erroneous credits.

3. Suit Up If necessary: If your bank is unresponsive and can’t resolve your issue, file a formal complaint with their customer grievance redressal cell, and escalate if necessary to higher authorities within their bank.

4. Take Action Externally: Seek help from external resources like the Reserve Bank of India Consumer Helpline or Banking Ombudsman who will investigate and ensure your bank takes appropriate actions.

5. Monitor Your Account: Regularly review your account statements to keep a lookout for any suspicious activities, as a close watch on it can quickly detect and address unauthorized transactions that arise in it.

Your bank is accountable for safeguarding the integrity of your account and rectifying any unauthorized transactions; acting quickly is key. Document all communications between yourself and them as soon as the issue arises and persist with follow up until resolution occurs.