Following the cases of innocent customers being cheated by people posing to be bank employees, RBI has been directed by a Delhi court to investigate the telemarketing techniques being used by the banking sector.

Additional Sessions Judge Surinder S Rathi said, "This is high time that steps need to be taken to review whether telemarketing is a healthy or indispensable marketing tool for banking sector in view of its ill-effects."

The court stressed that both RBI and the banking sector should be alert and take plight of "helpless victims who are duped by unrepentant cheats."

Further the court added that, "The unscrupulous elements of our society have got an opportunity to cheat innocent citizens in this manner perhaps because of new fad of telemarketing being taken up by many private banks and lending institutions."

For a common citizen it becomes very difficult to differentiate between the actual bank employee and the person who is posing to be one.

The court asked the RBI to review the marketing tools being used by the sector while discharging a bail application of a person named Imran Khan who has been found guilty of cheating the complainant Gaurav Tyagi with Rs 1.09 lakh.

Imran posed to be an employee of ICICI Bank Ltd and offered Tyagi a pre-approved loan of Rs 8.5 lakh.

Recently the police had also caught an MBA and an MCA carrying out the same fraud. Both the individuals posed to be employees of YES bank and offered pre-approved loans to entrepreneurs.