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<loc>https://www.banco.news/arth-warta/co-op-credit-societies/fabtech-multistate-recruitment-online-interview</loc>
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<image:loc>https://cf-images.assettype.com/banco-news/2026-10-23/7gan801q/फॅबटेक-ऑनलाइन-मुलाखत-घोषणा.png</image:loc>
<image:caption>अनुभवी उमेदवारांसाठी सांगोला कॉर्पोरेट ऑफिसमध्ये काम करण्याची संधी.</image:caption>
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<news:name>banco-news</news:name>
<news:language>mr</news:language>
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<news:publication_date>2026-10-23T08:07:19.025Z</news:publication_date>
<news:title>फॅबटेक मल्टीस्टेट क्रेडिट सोसायटीत घरबसल्या द्या ऑनलाईन मुलाखत!</news:title>
<news:keywords>Fabtech Multistate recruitment, Fabtech Multistate job vacancy, Banking jobs in Sangola, Online interview jobs Maharashtra, Accountant jobs Sangola, Clerk jobs in Sangola, Credit society jobs recruitment, Fabtech Multistate Sangola contact number, Fabtech Multistate Credit Society recruitment, Fabtech Multistate Sangola bharti, Sangola job vacancy, Banking jobs in Maharashtra, Co operative bank jobs in Sangola, Online interview job vacancies, Accountant job vacancy in Sangola, Jobs in Sangola, Jobs in Solapur district, Sangola news portal job updates, Cooperative credit society jobs Maharashtra, Karnataka banking job vacancies, Fabtech Multistate Sangola office address, Accountant vacancy in Fabtech Multistate, Account Assistant jobs in Sangola, Clerk vacancy in credit society, Banking accountant jobs for experienced, Private banking clerk job opening, फॅबटेक मल्टीस्टेट सांगोला भरती, सांगोला नोकरी बातमी, ऑनलाईन मुलाखत नोकरी संधी, बँक भरती सांगोला, क्रेडिट सोसायटी नोकरी अर्ज, How to apply for Fabtech Multistate recruitment, Fabtech Multistate Credit Society online interview process, Sangola credit society accountant hiring, Experienced banking jobs online interview</news:keywords>
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</url>
<url>
<loc>https://www.banco.news/arth-warta/co-op-banks/financial-inclusion-non-interest-cooperative-digital-currency</loc>
<image:image>
<image:loc>https://cf-images.assettype.com/banco-news/2026-10-21/ii6cy6ne/Hybrid-Banking-The-Future-of-Finance.png</image:loc>
<image:caption>इस्लामिक बँकिंग, सहकार आणि डिजिटल चलनाचे 'संकरित मॉडेल': आर्थिक बहिष्कारावर अंतिम मात?</image:caption>
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<news:publication>
<news:name>banco-news</news:name>
<news:language>mr</news:language>
</news:publication>
<news:publication_date>2026-10-23T07:00:00.000Z</news:publication_date>
<news:title>हायब्रिड बँकिंग बदलणार वित्तीय चित्र, आर्थिक समावेशनाचा नवा मार्ग!</news:title>
<news:keywords>Financial Inclusion, Non-Interest Banking, Cooperative Banking, Digital Currencies, CBDCs, Islamic banking financial inclusion, Hybrid financial models, Financial exclusion solutions, Value accessibility infrastructure framework, Digital Currency, Central Bank Digital Currency (CBDC), Cryptocurrency News, Cooperative Banking , Islamic Banking, Fintech Trends, What is Central Bank Digital Currency CBDC, How digital currencies drive financial inclusion, Cooperative bank vs commercial bank, Non interest banking benefits, Future of digital payments and crypto, Fintech innovations in banking, Hybrid financial model for banking, Jaiz Bank non interest model, WOCCU cooperative credit unions, IMF digital currency framework, Sharia compliant financial products, Mobile money banking access, Financial Inclusion 2026, CBDC News, Islamic Finance, Fintech Revolution, Banking Exclusion Solutions, Future of Money</news:keywords>
</news:news>
</url>
<url>
<loc>https://www.banco.news/arth-warta/co-op-banks/rbi-extends-restrictions-konark-urban-cooperative-bank-ulhasnagar</loc>
<image:image>
<image:loc>https://cf-images.assettype.com/banco-news/2026-10-21/0nvg06gn/कोणार्क-अर्बन-बँकेवरील-निर्बंध-वाढवले.png</image:loc>
<image:caption>कोणार्क अर्बन बँकेवरील निर्बंधांमध्ये वाढ, जाणून घ्या सविस्तर माहिती</image:caption>
</image:image><news:news>
<news:publication>
<news:name>banco-news</news:name>
<news:language>mr</news:language>
</news:publication>
<news:publication_date>2026-10-23T05:00:00.000Z</news:publication_date>
<news:title>उल्हासनगरच्या कोणार्क अर्बन बँकेचे निर्बंध जानेवारी २०२७ पर्यंत वाढवले</news:title>
<news:keywords>Konark Urban Co-operative Bank, RBI directions, Ulhasnagar cooperative bank, RBI news 2026, Section 35A Banking Regulation Act, urban co-operative banks RBI update, Konark Bank restrictions, RBI extends restrictions on Konark Urban Co-operative Bank, Konark Urban Co-operative Bank Ulhasnagar news, RBI directions Section 35A cooperative bank, Konark Bank RBI update January 2027, Reserve Bank of India cooperative bank restrictions, The Konark Urban Co-Operative Bank Ltd Ulhasnagar branch, Banking Regulation Act 1949 Section 35A RBI actions, Maharashtra cooperative banks under RBI scanner, Are customer deposits safe in Konark Urban Bank, RBI press release October 2026 cooperative banks, कोणार्क अर्बन बँक आरबीआय निर्बंध, उल्हासनगर कोणार्क बँक न्यूज, आरबीआय नवीन निर्णय बँक, रिझर्व्ह बँक ऑफ इंडिया सहकार बँक बातमी, कोणार्क को-ऑपरेटिव्ह बँक मधील ठेवी, Konark Urban Cooperative Bank, Reserve Bank of India, Is my money safe?, Why did RBI impose restrictions?</news:keywords>
</news:news>
</url>
<url>
<loc>https://www.banco.news/arth-warta/credit-card-refund-pending-bill-dues-guide</loc>
<image:image>
<image:loc>https://cf-images.assettype.com/banco-news/2026-10-19/6m7o48dh/Credit-Card-Bill-Due.png</image:loc>
<image:caption>बिलात अजूनही थकबाकी दिसतेय? घाईघाईत क्रेडिट कार्ड बिल भरण्यापूर्वी जाणून घ्या हे नियम!</image:caption>
</image:image><news:news>
<news:publication>
<news:name>banco-news</news:name>
<news:language>mr</news:language>
</news:publication>
<news:publication_date>2026-10-22T12:00:00.000Z</news:publication_date>
<news:title>क्रेडिट कार्डने ऑनलाइन ऑर्डर रद्द केल्यानंतर बिलाची थकबाकी कशी हाताळावी?</news:title>
<news:keywords>Credit card refund process, Credit card bill payment dues, Cancelled order credit card refund, Credit card refund time limit, How to get credit card refund, Credit card refund balance adjustment, Credit card refund after bill generation, Do I need to pay credit card bill after refund, What happens if refund comes after credit card bill payment, Credit card reward points deduction on refund, क्रेडिट कार्ड रिफंड नियम, Credit Card Refund Rules, क्रेडिट कार्ड बिल थकबाकी, Credit Card Bill Dues, ऑर्डर कॅन्सल रिफंड प्रक्रिया, Order Cancel Refund Process, क्रेडिट कार्ड बिल कसे भरावे, How to Pay Credit Card Bill, क्रेडिट कार्ड रिफंड समायोजन, Credit Card Refund Adjustment, CreditCardTips, PersonalFinance, OnlineShoppingRefund, CreditCardBill, FinanceNews, MarathiNews</news:keywords>
</news:news>
</url>
<url>
<loc>https://www.banco.news/arth-warta/frozen-screen-upi-scam-banking-fraud-alert</loc>
<image:image>
<image:loc>https://cf-images.assettype.com/banco-news/2026-10-19/7ne1ebu0/Frozen-Screen-Scam-news.png</image:loc>
<image:caption>फ्रोझन स्क्रीन स्कॅम: बँकांची सिस्टीम नाही, तर 'या' भितीचा फायदा घेऊन लुटतायत सायबर भामटे!</image:caption>
</image:image><news:news>
<news:publication>
<news:name>banco-news</news:name>
<news:language>mr</news:language>
</news:publication>
<news:publication_date>2026-10-22T10:30:00.000Z</news:publication_date>
<news:title>फ्रोझन स्क्रीन स्कॅमने वाढवली चिंता; बँक खातं होतंय रिकामं?</news:title>
<news:keywords>Frozen Screen Scam, UPI Fraud, Cyber Crime India, Banking Fraud Alert, Remote Access Scam, APK File Scam, Cyber Security, UPI Safety Tips, Financial Fraud News, 1930 Cyber Helpline, Frozen Screen UPI Scam, UPI Scam Alert India 2026   , UPI Fraud Prevention Tips, Remote Access Banking Scam, Cyber Fraud Helpline Number 1930, How to stay safe from Frozen Screen UPI scam, New UPI online fraud trick in India, Fake technical error screen overlay scam, What to do if UPI app screen freezes, How to report UPI scam at cybercrime.gov.in, Banking Cyber Security, APK File Fraud Alert, Accessibility Permission Scam, Online Payment Fraud Prevention, Co-operative Banking Cyber Alert, यूपीआय फ्रोजन स्क्रीन घोटाळा, बँक फसवणूक ऑनलाईन तक्रार, सायबर तक्रार हेल्पलाइन १९३०, ऑनलाईन बँकिंग फसवणूक कशी टाळावी</news:keywords>
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</url>
<url>
<loc>https://www.banco.news/arth-warta/co-op-banks/k-curve-banking-credit-risk-management</loc>
<image:image>
<image:loc>https://cf-images.assettype.com/banco-news/2026-10-21/sdw1qbpz/magnificplease-create-an-thumbnail-image-in-size-of-1280px28518.png</image:loc>
<image:caption>काय आहे के-वक्र?</image:caption>
</image:image><news:news>
<news:publication>
<news:name>banco-news</news:name>
<news:language>mr</news:language>
</news:publication>
<news:publication_date>2026-10-22T08:30:00.000Z</news:publication_date>
<news:title>के-वक्र(K-Curve)मुळे सहकारी बँकांसमोर नवे आव्हान; कर्जधोरणात सक्रिय बदलांची गरज</news:title>
<news:keywords>Cooperative Banking, K-Curve Economy, Indian Cooperative Banks, Urban Cooperative Banks, Credit Risk Management, Financial Risk Management, Responsible Lending, Credit Societies, Credit Risk Assessment, Financial Health, Financial Inclusion, Credit Score Analysis, Subprime Borrowers, Loan Repayment, Debt Management, Customer Financial Health, Digital Banking, Customer Centric Banking, AI in Banking, Loan Portfolio Management, Credit Risk Mitigation, Banking Industry Trends, Financial Services, Consumer Credit Market, Responsible Credit Lending</news:keywords>
</news:news>
</url>
<url>
<loc>https://www.banco.news/arth-warta/co-op-credit-societies/commercial-banking-in-credit-cooperative-societies-risk-governance</loc>
<image:image>
<image:loc>https://cf-images.assettype.com/banco-news/2026-10-21/6wi3w8vk/पतसंस्थांसाठी-सहा-सूत्री-बँकिंग-आराखडा.png</image:loc>
<image:caption>पतसंस्थांची 'मोठी झेप': आता कॉर्पोरेट बँकिंगमध्ये आमनेसामने स्पर्धा!</image:caption>
</image:image><news:news>
<news:publication>
<news:name>banco-news</news:name>
<news:language>mr</news:language>
</news:publication>
<news:publication_date>2026-10-22T07:00:00.000Z</news:publication_date>
<news:title>पतसंस्थांमधील व्यावसायिक बँकिंग: ६-सूत्री धोरणात्मक आराखड्याची गरज</news:title>
<news:keywords>Credit Society Commercial Banking, Cooperative Bank Credit Policy, Commercial Lending Risk Management, Cooperative Credit Societies Growth, Governance in Cooperative Sector, Cooperative Credit Societies Commercial Banking, Credit Co-operative Society Business Loans, Cooperative Bank NPA and Credit Risk Management, Pat Sanstha Commercial Lending Policy, RBI Guidelines for Cooperative Credit Societies, Cooperative Banking Growth Strategy 2026, Corporate Banking in Credit Societies, Cooperative Credit Structure in Maharashtra, Commercial Real Estate Financing by Credit Societies, Treasury Management Services in Cooperative Sector, Cooperative Governance and Credit Risk Strategy, Relationship Banking in Credit Cooperatives, Credit Risk Assessment for Commercial Loans, Cooperative Banking vs Commercial Banking, पतसंस्था व्यावसायिक बँकिंग कर्ज धोरण, महाराष्ट्र सहकारी पतसंस्था अपडेट्स, पतसंस्था एनपीए व जोखीम व्यवस्थापन, पतसंस्था व्यावसायिक कर्जे आणि नियम, सहकारी बँक आणि पतसंस्था सुधारणा,  CooperativeBanking, CreditSocieties, CommercialBanking, BusinessLoans, NPAManagement, CreditRisk, RBINorms, SahakariSector, FinancialGovernance, cooperative credit society news, cooperative sector news, cooperative banking, cooperative bank news, latest banking news, marathi news, banking news, व्यावसायिक बँकिंग</news:keywords>
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</url>
<url>
<loc>https://www.banco.news/arth-warta/co-op-banks/cooperative-bank-merger-amalgamation-division-rules</loc>
<image:image>
<image:loc>https://cf-images.assettype.com/banco-news/2026-10-21/zmzgt1wd/magnificplease-create-an-thumbnail-image-in-size-of-1280px62793.png</image:loc>
<image:caption>याबाबत कलम ६४ च्या प्रयोजनासाठी कलम ६५ मध्ये विविध संज्ञांचे अर्थ स्पष्ट करण्यात आले आहेत</image:caption>
</image:image><news:news>
<news:publication>
<news:name>banco-news</news:name>
<news:language>mr</news:language>
</news:publication>
<news:publication_date>2026-10-22T05:00:00.000Z</news:publication_date>
<news:title>सहकारी बँकांचे विलीनीकरण आणि विभाजन कसे होणार?</news:title>
<news:keywords>cooperative bank merger, co-operative bank merger rules, cooperative bank amalgamation, cooperative bank division rules, cooperative bank restructuring, cooperative banking regulations India, bank merger rules in India, 75 percent voting rights bank merger, cooperative bank shareholders rules, cooperative bank asset transfer, cooperative bank liabilities transfer, primary cooperative bank conversion, banking company conversion rules, successor cooperative bank, predecessor cooperative bank, RBI cooperative bank regulations, cooperative bank merger process, cooperative banking news, Indian cooperative banking sector, cooperative bank legal provisions, Section 65 cooperative bank definitions</news:keywords>
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</url>
<url>
<loc>https://www.banco.news/arth-warta/sbi-customer-data-leak-dark-web-alert</loc>
<image:image>
<image:loc>https://cf-images.assettype.com/banco-news/2026-10-21/nv17au00/SBI-Data-Leak-News-Dark-Web.png</image:loc>
<image:caption>नाव, मोबाईल नंबर आणि बँक खात्याशी निगडित माहिती तडजोड झाल्याची शंका; ग्राहकांना सतर्क राहण्याचे आवाहन.</image:caption>
</image:image><news:news>
<news:publication>
<news:name>banco-news</news:name>
<news:language>mr</news:language>
</news:publication>
<news:publication_date>2026-10-21T12:30:00.000Z</news:publication_date>
<news:title>डार्क वेबवर डेटा उघड झाल्याचा संशय; SBI ने सक्रिय केले तातडीचे प्रोटोकॉल</news:title>
<news:keywords>SBI Data Leak, SBI Dark Web Data Breach, State Bank of India Data Leak, SBI Cyber Security Alert, SBI customer data leaked on dark web, Is SBI data safe, SBI CERT-In cyber alert, SBI PII data breach 2026, SBI customer information file leak, State bank of India, SBI latest news, SBI dark web alert, SBI data leak news, SBI dark web data breach   , SBI customer data leak 2026, State Bank of India cyber attack, SBI data breach list, SBI dark web 3897 customer records, Is SBI account data safe, SBI exchange filing cyber alert, SBI Data Breach, SBI Data, SBI Cyber Security , State Bank of India Data, SBI customer data found on dark web, Is SBI bank data safe after leak, SBI CERT-In cyber attack alert, SBI PII data leaked on dark web, How to check if SBI account is safe, Siriusim hacker group SBI attack, SBI Breaking News, SBI Banking Fraud Alert, Dark Web Data Leak India, Cyber Incident Response SBI, SBI, Dark Web Breach, CERT-In Alert, Cyber Security, Banking News, SBI Customer Safety, Data Privacy India</news:keywords>
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</url>
<url>
<loc>https://www.banco.news/arth-warta/co-op-credit-societies/fabtech-multistate-recruitment-akkalkot-walk-in-interview</loc>
<image:image>
<image:loc>https://cf-images.assettype.com/banco-news/2026-10-21/meohx837/magnificplease-create-an-thumbnail-image-in-size-of-1280px57513.png</image:loc>
<image:caption>फॅबटेक मल्टिस्टेट को-ऑप. क्रेडिट सोसायटीमध्ये विविध पदांची भरती सुरु</image:caption>
</image:image><news:news>
<news:publication>
<news:name>banco-news</news:name>
<news:language>mr</news:language>
</news:publication>
<news:publication_date>2026-10-21T12:15:00.000Z</news:publication_date>
<news:title>फॅबटेक मल्टिस्टेट को-ऑप. सोसायटी अक्कलकोट शाखेत भरती; थेट मुलाखत!</news:title>
<news:keywords>Fabtech Multistate Recruitment, Banking Jobs in Akkalkot, Fabtech Credit Society Jobs, Walk in Interview Akkalkot, Gold Loan Officer Jobs Solapur, Sales Officer Jobs in Akkalkot, Pigmy Agent Vacancy Fabtech, अक्कलकोट नोकरी बातमी, Akkalkot Job News, Solapur Bank Recruitment 2026, सोलापूर बँक भरती २०२६, फॅबटेक मल्टिस्टेट भरती, Fabtech Multistate, खाजगी बँक नोकरी सोलापूर (Private Bank Jobs Solapur)   , अक्कलकोट बँक भरती (Akkalkot Bank Recruitment), थेट मुलाखत सोलापूर (Walk-in Interview Solapur), Fabtech Multistate recruitment 2026, Bank jobs in Solapur, Private bank recruitment in Maharashtra, Walk in interview Akkalkot , Gold Loan Officer jobs in Solapur, Latest Job Vacancy Solapur, Fabtech Multistate Credit Society Jobs, फॅबटेक बँक अक्कलकोट वॉकिन इंटरव्ह्यू, सोलापूर जिल्हा बँक व सोसायटी नोकरी, अक्कलकोटमध्ये पदवीधरांसाठी नोकरी, गोल्ड लोन ऑफिसर भरती सोलापूर, Fabtech Society Akkalkot contact number, AkkalkotJobs, SolapurNews, SolapurJobs, BankJobs2026, FabtechMultistate, WalkInInterview, MaharashtraJobAlert, JobsInAkkalkot, NokriMajha</news:keywords>
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</url>
<url>
<loc>https://www.banco.news/arth-warta/bank-risk-assessment-foir-loan-eligibility-guide</loc>
<image:image>
<image:loc>https://cf-images.assettype.com/banco-news/2026-10-19/ottigo7v/बँक-कर्ज-मंजुरीचे-निकष.png</image:loc>
<image:caption>बँक कर्ज नाकारतेय? प्रत्येक कर्जदात्याचे धोरण वेगळे; पण FOIR गणित समजून घेणे महत्त्वाचे!</image:caption>
</image:image><news:news>
<news:publication>
<news:name>banco-news</news:name>
<news:language>mr</news:language>
</news:publication>
<news:publication_date>2026-10-21T12:00:00.000Z</news:publication_date>
<news:title>कर्ज मंजुरीसाठी बँक कशी ठरवते तुमची पात्रता आणि जोखीम?</news:title>
<news:keywords>Loan eligibility criteria, What is FOIR in loans, Bank risk assessment policy, How to calculate loan repayment capacity, Personal loan tips, Fix fixed obligation to income ratio, Bank Loan Eligibility, Loan Risk Assessment, FOIR Meaning in Banking, Fixed Obligation to Income Ratio, Loan Rejected Reasons, CIBIL Score for Bank Loan, How banks calculate loan eligibility, Ideal FOIR for personal loan, How to calculate FOIR ratio, Bank loan approval process, Loan eligibility calculator, Personal loan interest rate factors, Bank Loan Criteria, FOIR Calculation, Credit History Impact, Loan Debt Trap, Personal Finance Tips, What is FOIR ratio in home loan, What factors banks check before giving loan, Why bank rejects personal loan application, Safe FOIR percentage for bank loan approval, FOIR meaning, cibil score for loan, personal loan approval, bank loan rejection reasons, loan repayment capacity, financial planning, bank loan rules india</news:keywords>
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<url>
<loc>https://www.banco.news/arth-warta/co-op-banks/byoai-in-banking-cooperative-banks-challenges</loc>
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<news:publication>
<news:name>banco-news</news:name>
<news:language>mr</news:language>
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<news:publication_date>2026-10-21T10:30:00.000Z</news:publication_date>
<news:title>AI असिस्टंटच सांभाळणार बँक खाते? जाणून घ्या 'BYOAI' मॉडेल!</news:title>
<news:keywords>BYOAI in banking, Bring Your Own AI, AI in cooperative banks, Credit societies digital transformation, Digital Co-operative India, AI divide in Indian banking, NABARD AI credit scoring, PACS computerisation AI, RBI report on cooperative banks AI, Maharashtra AI policy rural banking, BYOAI, Banking Technology, Cooperative Banking, AI in Finance, Credit Societies, NABARD, RBI Report, Digital India, Fintech Maharashtra, AI in Banking, BYOAI in Finance, Cooperative Banking in India, Artificial Intelligence in Banking, AI Agentic Banking, PACS Computerisation, Agentic AI in Banking, Personal Agent Protocol, AI Credit Scoring, AI Fraud Detection, Hyper-Personalized Banking, Generative AI in Financial Services , Future of cooperative banks in India, RBI report on AI in cooperative banking, How AI helps farmers get loans without CIBIL score, Impact of BYOAI on banking security, Shared Service Model for cooperative credit societies, सहकार क्षेत्रात एआयचा वापर (AI in Cooperative Sector), नागरी व ग्रामीण पतसंस्था डिजिटल तंत्रज्ञान, महाराष्ट्र एआय धोरण व्हॉट्सॲप एजंट, नाबार्ड एआय क्रेडिट मॉडेल (NABARD AI Model), cooperative bank news, cooperative credit societies, patsanstha, banks, marathi banking news, banking news in mratahi, maharashtra news, सहकारी बँका (UCBs) , पतसंस्था</news:keywords>
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<url>
<loc>https://www.banco.news/arth-warta/kerala-hc-orders-sbi-cyber-fraud-refund-3-73-lakh</loc>
<image:image>
<image:loc>https://cf-images.assettype.com/banco-news/2026-10-19/ncjdcm09/SBI-Bank.png</image:loc>
<image:caption>सायबर फसवणुकीतील ३.७३ लाखांच्या परताव्यावर केरळ उच्च न्यायालयाचा मोठा निर्णय</image:caption>
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<news:publication>
<news:name>banco-news</news:name>
<news:language>mr</news:language>
</news:publication>
<news:publication_date>2026-10-21T08:30:00.000Z</news:publication_date>
<news:title>SBI ला ४ आठवड्यांत ३.७३ लाख परत करण्याचे केरळ उच्च न्यायालयाचे निर्देश</news:title>
<news:keywords>Kerala High Court SBI cyber fraud ruling, RBI zero liability rules electronic banking, Cyber fraud refund bank responsibility India, Kerala HC cyber crime judgment 2026, Unauthorized digital transactions banking rules, SBI Cyber Fraud Refund, Kerala High Court SBI Ruling, RBI Zero Liability Policy, Cyber Crime Money Refund Bank, Online Fraud Bank Liability RBI, Kerala High Court orders SBI to refund 3.73 lakh, RBI rules for unauthorized electronic transaction, Cyber fraud refund within 24 hours, Banking Ombudsman complaint rejected high court appeal, OTP fraud bank liability India, Remadevi TL vs RBI case judgment, सायबर फसवणूक एसबीआय भरपाई, केरळ उच्च न्यायालय एसबीआय निकाल, आरबीआय शून्य दायित्व नियम, बँक खात्यातून पैसे गेले तर काय करावे, सायबर गुन्ह्यात पैशांचा परतावा, State Bank of India cyber crime policy, Debit card OTP scam refund, Unauthorized online transactions liability, Customer protection RBI circular, Cyber helpline 1930 bank refund process, Kerala High Court, SBI, Cyber Fraud, RBI Zero Liability,  Online Fraud Refund, Banking Ombudsman, SBI Debit Card Scam, Cyber Crime India</news:keywords>
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