With financial frauds rising sharply across India, the Reserve Bank of India (RBI) has issued a fresh warning to small and first-time investors: verify before you invest. The central bank is urging citizens to use its dedicated ‘Sachet’ portal, a one-stop platform designed to check whether a company or scheme is genuine, registered, and legally allowed to accept deposits.
Increasingly, scamsters are using polished websites, viral videos, and influencer-led promotions to lure people into high-return schemes. According to RBI, thousands of Indians continue to lose their savings every year to unregistered investment offers circulating on WhatsApp, Telegram, and social media channels. The Sachet portal has now become the first line of defense.
What Is RBI’s ‘Sachet’ Portal?
Launched under the State Level Coordination Committee (SLCC) mechanism, the Sachet portal (sachet.rbi.org.in) allows citizens to:
●Verify if a company is registered with RBI, SEBI, IRDAI, PFRDA, or any state government authority
●Identify and report illegal deposit schemes
●File complaints against unauthorized financial entities
●Route complaints directly to the appropriate regulatory body for action
By collecting nationwide complaints in one place, the portal helps regulators track emerging scams faster and take coordinated action.
Why Verification Matters More Than Ever
RBI has repeatedly warned that the most common traps include:
●Unrealistic return promises such as “double money in 30 days”
●Influencer-backed “guaranteed profits” schemes
●Telegram/WhatsApp groups offering quick trading returns
●Unregistered fintech apps offering loans or investments
Once money is handed over to an unregulated company, recovery becomes extremely difficult. Most victims receive no refunds and have limited legal protection.
Using the ‘Sachet’ portal just once before investing can significantly reduce this risk.
How to Use the Sachet Portal: Step-by-Step
1. Go to sachet.rbi.org.in
2. Click “Check if a company is registered”
3. Search the company name to confirm regulatory approval
4. If an offer seems suspicious, select “File a complaint”
5. Keep the generated reference number to track your complaint
The portal is especially useful for senior citizens, young investors, and rural households—groups that are often targeted by unauthorized deposit collectors.
A Push for Financial Awareness
With fraud cases becoming more sophisticated, RBI’s Sachet platform is an essential tool for citizens navigating India’s fast-expanding digital financial landscape. The central bank is urging all investors to take two minutes of verification before committing even a small amount of money.
A quick check today can prevent a costly mistake tomorrow.
