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Introduction

The Reserve Bank of India (RBI) has mandated banks to switch their digital banking domains to 'Bank.in' by October 31, 2025, as part of a strategy to modernise the sector and maintain consumer confidence. The move is expected to provide a consistent and secure interface for online banking, as a response to the increasing threats posed by cybercriminals who exploit vulnerabilities in online platforms. The RBI's directive is seen as a proactive measure to address the growing concerns over cybersecurity in the banking sector.

RBI  Circular - Migration to '.bank.in' domain

The official circular released by the RBI dated April 22, 2025, read as follows:

“It has now been decided to operationalise the ‘. bank.in’ domain for banks through the Institute for Development and Research in Banking Technology (IDRBT), which has been authorised by National Internet Exchange of India (NIXI), under the aegis of the Ministry of Electronics and Information Technology (MeitY), to serve as the exclusive registrar for this domain. Banks may contact IDRBT at sahyog@idrbt.ac.in to initiate the registration process. IDRBT shall guide the banks on various aspects related to application process and migration to new domain.”

“All banks are advised to commence the migration of their existing domains to the ‘.bank.in’ domain and complete the process at the earliest and in any case, not later than October 31, 2025.”

CyberPeace Outlook

The Reserve Bank of India's directive mandating banks to shift to the 'Bank.in' domain by October 31, 2025, represents a strategic and forward-looking measure to modernise the nation’s digital banking infrastructure. With this initiative, the RBI is setting a new benchmark in cybersecurity by creating a trusted, exclusive domain that banks must adopt. This move will drastically reduce cyber threats, phishing attacks, and fake banking websites, which have been major sources of financial fraud. This fixed domain will simplify verification for consumers and tech platforms to more easily identify legitimate banking websites and apps.  Furthermore, a strong drop in online financial fraud will have a long-term effect by this order.  Since phishing and domain spoofing are two of the most prevalent forms of cybercrime, a shift to a strictly regulated domain name system will remove the potential for lookalike URLs and fraudulent websites that mimic banks. As India’s digital economy grows, RBI’s move is timely, essential, and future-ready.

References

• https://www.rbi.org.in/scripts/NotificationUser.aspx?Id=12837&Mode=0

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Overview:

In today’s digital landscape, safeguarding personal data and communications is more crucial than ever. WhatsApp, as one of the world’s leading messaging platforms, consistently enhances its security features to protect user interactions, offering a seamless and private messaging experience

App Lock: Secure Access with Biometric Authentication

To fortify security at the device level, WhatsApp offers an app lock feature, enabling users to protect their app with biometric authentication such as fingerprint or Face ID. This feature ensures that only authorized users can access the app, adding an additional layer of protection to private conversations.

How to Enable App Lock:

1. Open WhatsApp and navigate to Settings.
2. Select Privacy.
3. Scroll down and tap App Lock.
4. Activate Fingerprint Lock or Face ID and follow the on-screen instructions.

Chat Lock: Restrict Access to Private Conversations

WhatsApp allows users to lock specific chats, moving them to a secured folder that requires biometric authentication or a passcode for access. This feature is ideal for safeguarding sensitive conversations from unauthorized viewing.

How to Lock a Chat:

1. Open WhatsApp and select the chat to be locked.
2. Tap on the three dots (Android) or More Options (iPhone).
3. Select Lock Chat
4. Enable the lock using Fingerprint or Face ID.

Privacy Checkup: Strengthening Security Preferences

The privacy checkup tool assists users in reviewing and customizing essential security settings. It provides guidance on adjusting visibility preferences, call security, and blocked contacts, ensuring a personalized and secure communication experience.

How to Run Privacy Checkup:

1. Open WhatsApp and navigate to Settings.
2. Tap Privacy.
3. Select Privacy Checkup and follow the prompts to adjust settings.

Automatic Blocking of Unknown Accounts and Messages

To combat spam and potential security threats, WhatsApp automatically restricts unknown accounts that send excessive messages. Users can also manually block or report suspicious contacts to further enhance security.

How to Manage Blocking of Unknown Accounts:

1. Open WhatsApp and go to Settings.
2. Select Privacy.
3. Tap to Advanced 
4. Enable Block unknown account messages

IP Address Protection in Calls

To prevent tracking and enhance privacy, WhatsApp provides an option to hide IP addresses during calls. When enabled, calls are routed through WhatsApp’s servers, preventing location exposure via direct connections.

How to Enable IP Address Protection in Calls:

1. Open WhatsApp and go to Settings.
2. Select Privacy, then tap Advanced.
3. Enable Protect IP Address in Calls. 

Disappearing Messages: Auto-Deleting Conversations

Disappearing messages help maintain confidentiality by automatically deleting sent messages after a predefined period—24 hours, 7 days, or 90 days. This feature is particularly beneficial for reducing digital footprints.

How to Enable Disappearing Messages:

1. Open the chat and tap the Chat Name.
2. Select Disappearing Messages.
3. Choose the preferred duration before messages disappear.

View Once: One-Time Access to Media Files

The ‘View Once’ feature ensures that shared photos and videos can only be viewed a single time before being automatically deleted, reducing the risk of unauthorized storage or redistribution.

How to Send View Once Media:

1. Open a chat and tap the attachment icon.
2. Choose Camera or Gallery to select media.
3. Tap the ‘1’ icon before sending the media file.

Group Privacy Controls: Manage Who Can Add You

WhatsApp provides users with the ability to control group invitations, preventing unwanted additions by unknown individuals. Users can restrict group invitations to ‘Everyone,’ ‘My Contacts,’ or ‘My Contacts Except…’ for enhanced privacy.

How to Adjust Group Privacy Settings:

1. Open WhatsApp and go to Settings.
2. Select Privacy and tap Groups.
3. Choose from the available options: Everyone, My Contacts, or My Contacts Except

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Conclusion

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WhatsApp continuously enhances its security features to protect user privacy and ensure safe communication. With tools like App Lock, Chat Lock, Privacy Checkup, IP Address Protection, and Disappearing Messages, users can safeguard their data and interactions. Features like View Once and Group Privacy Controls further enhance confidentiality. By enabling these settings, users can maintain a secure and private messaging experience, effectively reducing risks associated with unauthorized access, tracking, and digital footprints. Stay updated and leverage these features for enhanced security.

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Introduction

The Department of Telecommunications (DoT) has launched the 'Digital Intelligence Platform (DIP)'and the 'Chakshu' facility on the Sanchar Saathi portal to combat cybercrimes and financial frauds. Union telecom, IT and railways minister Ashwini Vaishnaw announced the initiatives, stating that the government has been working to counter cyber frauds at national, organizational, and individual levels. The Sanchar Saathi portal has successfully tackled such attacks, and the two new portals will further enhance the capacity to check any kind of cyber security threat.

The Digital Intelligence Platform is a secure and integrated platform for real-time intelligence sharing, information exchange, and coordination among stakeholders, including telecom operators, law enforcement agencies, banks, financial institutions, social media platforms, and identity document issuing authorities. It also contains information regarding cases detected as misuse of telecom resources.

The 'Chakshu' facility allows citizens to report suspected fraud communication received over call, SMS, or WhatsApp with the intention of defrauding, such as KYC expiry, bank account/payment wallet/SIM/gas connection/electricity connection, sextortion, impersonations a government official/relative for sending money, and disconnection of all mobile numbers by the Department of Telecommunications.

The launch of these proactive initiatives or steps represents another significant stride by the Ministry of Communications and the Department of Telecommunications in combating cybersecurity threats to citizens' digital assets.

In this age of technology, there is a reason to be concerned about the threats posed by cybercrooks to individuals and organizations. The risk of using digital means for communication, e-commerce, and critical infrastructure has increased significantly. It is important to have proper measures in place to prevent cybercrime and destructive behavior. The Department of Telecommunication has unveiled "Chakshu," a digital intelligence portal aimed at combating cybercrimes. This platform seeks to enhance the country's cyber defense capabilities by providing enforcement agencies with effective tools and actionable intelligence for countering cybercrimes, including financial frauds.

Digital Intelligence Platform (DIP)

Digital Intelligence Platform (DIP) developed by the Department of Telecommunications is a secure and integrated platform for real-time intelligence sharing, information exchange and coordination among the stakeholders i.e. Telecom Service Providers(TSPs), law enforcement agencies (LEAs), banks and financial institutions(FIs), social media platforms, identity document issuing authorities etc. The portal also contains information regarding the cases detected as misuse of telecom resources. The shared information could be useful to the stakeholders in their respective domains. It also works as a backend repository for the citizen-initiated requests on the Sanchar Saathi portal for action by the stakeholders. The DIP is accessible to the stakeholders through secure connectivity, and the relevant information is shared based on their respective roles. However, the platform is not accessible to citizens.‍

What is Chakshu?

Chakshu, which means “eye” in Hindi, is a new feature on the Sanchar Saathi portal. This citizen-friendly platform allows you to report suspicious communication you receive via calls, SMS, or WhatsApp. “Chakshu” is a new advanced tool to safeguard against modern-day cybercriminal activities. Chakshu is a sophisticated design that uses the latest technologies for assembling and analyzing digital information and provides law enforcement agencies with useful data on what should be done next. Below are some of its attributes.

Here are some examples of what you can report:

-       Fraudulent messages claiming your KYC (Know Your Customer)details need to be updated.

-       Fraudulent requests to update your bank account, payment wallet, or SIM card details.

-       Phishing attempts impersonating government officials or relatives asking for money.

-       Fraudulent threats of disconnection of your sim connections.

How Chakshu Aims to crackdown Cybercrime and Financial Frauds

Chakshu is a new tool on the Sanchar Saathi platform that invites individuals to report suspected fraudulent communications received by phone, SMS, or WhatsApp. These fraudulent activities may include attempts to deceive individuals through schemes such as KYC expiry or update requests for bank accounts, payment wallets, SIM cards, gas connections, and electricity connections, sextortion, impersonation of government officials or relatives for financial gain, or false claims of mobile number disconnection by the Department of Telecommunications.

The tool is well-designed and equipped to help the investigators with actionable intelligence and insights, enabling LEAs to conduct targeted investigations on financial frauds and cyber-crimes; the tool helps in gathering a comprehensive data analysis and evidence collection capability by mapping out the connection between individuals, organizations and illicit activities, it, therefore, allows the law enforcement agencies in dismantling criminal activities and help the law enforcement agencies.

Chakshu’s Impact

India has launched Chakshu, a digital intelligence tool that strengthens the country's cybersecurity policy. Chakshu employs modern technology and real-time data analysis to enhance India's cyber defenses. Law enforcement can detect and neutralize possible threats by taking proactive approach to threat analysis and prevention before they become significant crises. Chakshu also improves the resilience of critical infrastructure and digital ecosystems, safeguarding them against cyber-attacks. Overall, Chakshu plays an important role in India's cybersecurity posture and the protection of national interests in the digital era.

Where can Chaksu be accessed?

Chakshu can be accessed through the government's Sanchar Saathi web portal:https://sancharsaathi.gov.in

Conclusion

The launch of the Digital Intelligence Platform and Chakshu facility is a step forward in safeguarding citizens from cybercrimes and financial fraud. These initiatives use advanced technology and stakeholder collaboration to empower law enforcement agencies. The Department of Telecommunications' proactive approach demonstrates the government's commitment to cybersecurity defenses and protecting digital assets, ensuring a safer digital environment for citizens and critical infrastructure.

References

• https://telecom.economictimes.indiatimes.com/news/policy/dot-launches-digital-intelligence-portal-chakshu-facility-to-curb-cybercrimes-financial-frauds/108220814
• https://bankingfrontiers.com/digital-intelligence-platform-launched-to-curb-cybercrime-financial-fraud/
• https://www.business-standard.com/india-news/calcutta-hc-justice-abhijit-gangopadhyay-sends-his-resignation-to-prez-cji-124030500367_1.html
• https://www.the420.in/dip-chakshu-government-launches-powerful-weapons-against-cybercrime/
• https://pib.gov.in/PressReleaseIframePage.aspx?PRID=2011383

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