<h1>RBI Guidelines: Secure Your Cards and PINs, Bank Liability Limited to Principal Amount and Interest Loss.</h1> The Reserve Bank of India (RBI) issued a Master Circular on December 1, 2015, outlining guidelines for credit, debit, and pre-paid card operations. These guidelines mandate cardholders to secure their cards and PINs, prohibiting recording them in accessible forms. Banks are liable for direct losses from system malfunctions within their control but not for losses from recognizable technical breakdowns. The bank's liability for transaction issues is limited to the principal amount and interest loss, as per legal provisions. To prevent misuse of lost or stolen cards, banks may consider issuing cards with cardholder photographs or other advanced security measures.