Fraud Awareness Guide

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Cyber Fraud Awareness Guide

Knowledge is your best protection. Learn about common cyber frauds, warning signs, and how to safeguard your bank account.

📱

UPI Fraud

Fraudsters exploit UPI platforms to steal money through fake payment requests, QR scams, and impersonation.

  • Never share UPI PIN or OTP with anyone
  • Ignore unsolicited collect requests from unknown numbers
  • Always verify merchant QR codes before scanning
  • Enable UPI transaction limits in your banking app
  • Beware of “cashback” or “refund” collection requests
⚠ If defrauded via UPI, report immediately at 1930
📈

Investment Scam

Fraudsters promise guaranteed returns through fake trading platforms on WhatsApp and Telegram groups.

  • No genuine investment guarantees high returns
  • Always verify SEBI registration of any advisor
  • Beware of “stock tips” groups promising quick profits
  • Never pay fees to “unlock” promised investment profits
  • Research thoroughly — check SEBI SCORES portal
⚠ Check SEBI SCORES portal before investing anywhere
🎣

Phishing Attack

Criminals send fake emails and SMS messages pretending to be from banks or government agencies to steal credentials.

  • Always verify the full URL before entering credentials
  • Banks never ask for password or OTP via email/SMS
  • Enable two-factor authentication on all accounts
  • Never click links in suspicious SMS or emails
  • Use official bank apps downloaded from Play Store/App Store
⚠ When in doubt, manually type the official bank URL
📞

Fake Customer Care

Scammers pose as bank or service company representatives to gain access to your accounts remotely.

  • Never call support numbers found through Google search
  • Use only official contact numbers from bank’s official website
  • No bank will ever ask for remote access to your device
  • Never install AnyDesk/TeamViewer at anyone’s request
  • Hang up immediately if asked for OTP, PIN or card number
⚠ Your bank will NEVER call asking for your PIN or OTP
📲

Social Media Scams

Fraudsters create fake profiles, fake job offers, and romance scams on social media platforms to extract money.

  • Verify identity of new online contacts before trusting
  • Never send money to people you have only met online
  • Beware of “gift parcel” scams from overseas contacts
  • Fake lottery or prize winning messages are always scams
  • Report suspicious profiles to the platform and cybercrime.gov.in
⚠ If it seems too good to be true, it probably is a scam
💸

Loan App Fraud

Illegal lending apps trap users with high interest rates, harassment, and blackmail using phone data access.

  • Only borrow from RBI-registered banks and NBFCs
  • Legitimate lenders never ask for upfront processing fees
  • Deny apps access to your contacts and photos
  • Check app reviews and developer credentials carefully
  • Report predatory apps to RBI and cybercrime.gov.in
⚠ Report illegal loan apps to RBI Sachet Portal

❓ Frequently Asked Questions

Why has my bank account been frozen?
Banks freeze accounts when suspicious financial activity is detected, when an account receives funds linked to fraud, or when law enforcement issues a directive. This is a protective measure and does not necessarily mean you are a suspect. Contact your bank branch for the specific reason.
What should I do immediately after my account is frozen?
1) Contact your bank branch immediately to understand the reason. 2) Collect the freeze notice and any reference numbers. 3) Gather documents related to your transactions. 4) Submit an assistance request through this portal. 5) Call the cyber helpline 1930 if fraud is involved.
How long does it take for a frozen account to be unfrozen?
The timeline varies depending on the nature and complexity of the investigation. Simple cases may resolve in 7-15 days. Complex cases linked to active criminal investigations can take longer. Cooperating fully with the investigation and providing documents promptly helps speed up resolution.
Can I still receive money in a frozen account?
Typically, a frozen account restricts withdrawals and transfers but may still receive incoming credits depending on the type of freeze. However, all operations will be restricted. Contact your bank to understand the specific restrictions on your account.
What is a mule account?
A mule account is a bank account used by fraudsters to receive and transfer stolen money. Account holders are sometimes tricked into allowing their accounts to be used, often with promises of easy money or commissions. Using your account as a mule account is a criminal offence under the IT Act and banking regulations.

Is Your Account Frozen?

Submit your assistance request now and our team will guide you through the resolution process.

📋 Submit Request Now 🔍 Track Existing Request

Emergency Helpline: 1930 | Available 24/7 | Free of Cost

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