Priya Srivastava Expert

A text claiming your account will be frozen today unless KYC is updated, with a short link to a page that looks exactly like the bank site and asks for your customer ID, password and OTP.

Caller says they are sending you a refund and asks you to approve a request or share the OTP to receive it. The OTP actually authorises money leaving your account.

A buyer for your used item sends a QR code and says scan it to receive payment. Scanning and entering your PIN debits your account instead.

You search for bank customer care, click a top result that is actually a fraud listing, and the person who answers walks you through installing a screen sharing app.

Caller posing as bank staff asks you to install AnyDesk or TeamViewer to fix a failed transaction, then watches you type your credentials and reads your OTPs live.

Fraudsters posing as CBI or Narcotics officers video call you, claim a parcel in your name contained contraband, and keep you on camera under so called digital arrest until you transfer money for verification.

An instant loan app approves a large amount, then demands a processing fee, GST and insurance upfront. Once you pay, the loan never arrives.

A small instant loan app grants a tiny amount, harvests your contacts and gallery on install, then threatens to message your family with morphed photos over a small dues amount.

A message warns your power will be cut tonight over an unpaid bill and gives a personal mobile number. The person asks you to pay one rupee through a link to verify the meter.

A recruiter offers a bank or government job, sends a convincing offer letter, then asks for a registration or training deposit to hold the seat.

You are paid small amounts for liking videos, then invited to a Telegram group where larger prepaid tasks promise higher returns until withdrawal is blocked.

A stock tips group run by a fake fund manager shows daily profits and moves you to an app that looks like a real broker platform. Balances rise on screen but withdrawal fails.

Caller claims your lapsed policy can be revived and the bonus released after paying a small clearance fee, quoting genuine sounding policy details.

Someone sends a small amount by mistake, then asks you to return it through a link or collect request that actually authorises a much larger debit.

Your number suddenly stops working. Fraudsters have used your leaked KYC to get a duplicate SIM, then reset net banking using OTPs to the new SIM.

Cloned fingerprints from a property registration are used at a small business correspondent point to withdraw cash through the Aadhaar payment system, with no OTP involved.

Caller offers a free limit upgrade or lifetime free conversion and asks for the card number, expiry, CVV and the OTP to complete it.

A message says your card reward points expire today and links to a redemption page that captures full card details and an OTP.

A lookalike bank app with a similar name and logo is published on an app store. It captures your login and card details on the first screen.

A seller claims your order failed and sends a refund request. Approving it debits you instead of crediting.