Identify unknown transactions by checking your bank statement details, transaction codes (like APBS, UPI, NEFT), contacting your bank, and reviewing recent activity for government benefits or authorized payments.
Steps to Identify:
1. Check Transaction Details:
- Transaction code (APBS, UPI, NEFT, IMPS)
- Amount and date
- Reference number
- Description field
2. Common Codes:
- APBS CR: Government benefit/subsidy
- UPI: Digital payment (check apps)
- NEFT/RTGS: Bank transfers
- NACH: Auto-debit (mandates)
3. Contact Bank:
- Call customer service with transaction reference
- Visit branch with statement
- Use online banking inquiry
4. Check Your Records:
- Government schemes enrolled in
- Recent online purchases
- Subscription services
- Family member transactions
5. Safety Check:
- Verify it's not unauthorized
- Report suspicious transactions immediately
- Change passwords if concerned
Importants Points:
- Method: Check codes, contact bank, review activity
- APBS: Usually government benefits
- Action: Verify legitimacy, report if suspicious