Vishing Calls

• Imposters call or approach the customers through telephone call / social media as bankers / company executives / insurance agents / government officials, etc., and seek confirmation of the secure credentials by sharing few details such as name or date of birth to gain confidence.
• In some cases, the imposters pressurize / trick customers into urgently / immediately sharing confidential details citing emergency, details required to block transaction, payment required to stop penalty, get attractive discount, etc. These credentials are then used to defraud the customers.

• Bank officials / financial institutions / any genuine entity never ask customers to share confidential information such as username / password / card details / CVV / OTP.

Frauds using Online Selling platforms

• Fraudsters pretend to be buyers on online selling platform & show interest in your product.
• Instead of paying money to you, they use “request money” option through UPI app and insist to approve the request to pull money from your bank account.

• One should be careful while making financial transactions for online products. Always remember, to receive money there is no need to enter your PIN / password anywhere.
• If UPI or any other app asks you to enter your PIN to complete transaction, it means you will end up sending money instead of receiving it.

Frauds using Screen Sharing App / Remote Access

• Fraudsters trick you to download screen sharing apps through which they can watch / control your mobile / laptop to gain access to your financial credentials.
• Later they make payments using your Internet banking / payment apps.

• Do not download or activate share screen share feature with unknown people.

Scam through QR scan

• Fraudsters often contact customers under various pretext and trick them into scanning QR codes using payment apps.
• This allows the fraudsters to withdraw money from customer’s account.

• Be cautious while scanning any QR codes using payment apps.
• QR codes have embedded account details in them to transfer amount to particular account.

Online Job Fraud

• Fake job search portals are created and when victim shares secure credentials of bank account / credit card / debit card on these websites for registration, the account is compromised.
• In some cases, the fraudsters pose themselves as officials of a reputed company and confirm selection after doing fake interviews.
• The victim is incited into making payment for mandatory training program, etc.

• Always remember that a genuine company offering job will never ask for money.
• Do not make payments on unknown job portals.

Frauds by compromising credentials on results through Search Engines

• It has been observed that customers use search engines for obtaining contact details of their bank, insurance company, Aadhar updation centres, etc., and may end up contacting unknown / unverified contact numbers displayed on search engine.
• These contact details on search engines are often camouflaged by fraudsters to attract their victims towards them.
• Once the customers call them, the imposters ask the customers to give their card credentials / details for verification.
• Assuming this contact to be genuine, people compromise all their secure details & thus fall prey to frauds.

• Avoid searching for customer care contact details on search engine.
• These are often camouflaged by fraudsters.
• One should always look for official websites of Banks / companies to get contact details.

OTP based Fraud

• Victims get SMS / Instant messages from fraudsters impersonating as NBFCs offering loans or enhancement of credit limit and are asked to contact the fraudster’s mobile number.
• When the victims call the number, the fraudsters ask them to fill few forms (even online) containing financial details and they incite / convince them to share the OTP or PIN details, resulting in loss of money.

• Never share OTP / PIN Numbers / personal details, etc., in any form with anyone.
• Regularly check SMS / emails to ensure that no OTP is generated without your knowledge.