ree Ken COL est eye Raju shores the details with the caller, Raju: "What has happened to my mobile! There is no network, and Tam not able ‘to make calls, send messages, etc.” Fraids¥er Uses the new SIM To retrieve the wermame|/ After Few minutes when Raju received nails showing cash debits fram his bank for the barking application by using options like forgct| account, he checked his bank account balance. He noticed that some unauthorized Username, reset pessword etc. and transfer al tie | debits were made from his account for which no SMS were received on his registered ‘money 19, us ‘account. mobile number as the SIM was compromised to trursfer funds, shop online fc. ee He oS ie WS Don'ts: % Don't share confidential details like Aadhaar number and SIM number with unknown callers,Office of RBL-Omibudsman, Mumbai - regen sere 8. FRAUDS BY COMPROMISING CREDENTIALS THROUGH SEARCH ENGINES ‘Raj is fond of watching cricket, and he wes very excited about the UReoming Crieket mic. BU ce e806 We Opened the ‘Sports App, he realised that his subscription had expired, Raju thinks: “What is the big deal! The Internet has all the solutions." Thinking this, he searched! fer a way To rechorge the Sports App on 7 ‘the internet ‘After searching for a while, he Found a phone number Raju: "Hell! Z want to recharge my for the sane, Raju led the number immediately. ‘Sports cccount Do's: v Always obtain the contact details/customer service number, etc. from the official website of the service provider only. ¥ Report the incident to the nearest Cyber Crime Police Station and National Cyber Crime Reporting Portal at https://cybercrime.gov.inyee oko VTE eeu see a Fraudster: “You will get the payment link on your phone now. Please click and make the payment." Raju "Yes, got the —— payment link. I will pay the amount now.” Chieef Raju clicked on the link. Raju received on SMS stating that Rs 40,000 wae || Trstead of eying RS 1000 to Sports App, Rajuended up transferring debited from his account. Rs 40000 fo the fraudeter Don'ts: x Don't contact random phone numbers obtained from web search engines, especially for doing financial translation.yeaa See CVC Tet Te reiensa rere 9. SCAM THROUGH QR CODE SCAN Raju registered his old car on an online website to sell it. Within hours, he was contacted by a person (a fraudster) Fraudster: "Hi, I saw your car U advertisement on the platform, T really liked it, and T om interested) < in buying your car.” teu TetegealTganyore R seein ‘debe ner beer bongt = 9) | rants veto Big) | catenin ) | anew car, soTam scingthsore || || "Tuilsodyecatwcnarow es S Fraudster: Ch Dorit worry bout the price. Taman | ‘army personnel, and Tam tout fo rete ina month, ‘My 2on wants fo purchese 0 car cndheieinceting | on buying this one ony." Do's: Educate yourself about QR cades before using them, Report the transaction immediately to your bank. Report the incident to the nearest Cyber Crime Police Station and National Cyber Crime Reporting Portal at https://cybercrime.gov.in weeieee ako CTS eeu ao [Rai “Oky Tl sec yeu my account deol, Pease end Token crnourt of Rs, 1DCGD/ Yo sel the del Yu can sed hea by | Nerves raudster: "Hello, T called you earlier. have been trying to trensfer the ‘cunt for the lost 10 minutes, but Tm unable taco so. Therefore, Twill be sending youa GR code through | email Please scan the GR code se thot, can send you the amount." [ Rj “Okay, no problem. L_ TE got the QR code: (SA twill ecan it Frauaster: *rgot your deta = will transfer the jomcunt now, Thark you" | Raju scans the QR code and receives a pop-up request for UPI PIN. Thave scamed the QR code, but it is asking For my UPE PIN to proceed further” Fraudster: *That is correct: youmust enter your PEN to receive the money." Raju believed him and entered his UPEPIN. Subsequently, his uccount got debited with Rs 70,000. Rojureceived the SMS alert of the debit He panicked, so he tried calling the fraudster, but his phone was switched off by then. Don'ts: x Don't enter your UPI PIN to receive money from another person. UPI PIN is required only for sending a payment, not for receiving. * Don't scan QR codes to receive any payment. QR code needs to be scanned for sending a payment, not for receiving Money,eeu seen SVC Tet Te reiesa rere 10. IMPERSONATION THROUGH SOCIAL MEDIA Krishna: “Papa, I bought this for you with my first salary ‘A brand-new smartphone." SS SS Raju: "Thank you, beta, But T really don't know how touse it" will teach you ie use internet applications. tions | “Gear Raju get accustoned Yo wing Socal media he Harted posting ‘One day, Rajus friend) Ramu messaged hin on soc eda pictures, ikng pests, sending friend requests ard messoges. requesting Rs 10.000 fer'a medical emergency, Raju mediately rode the payment to Ramu using the shared eccount detail, —_— 8€§=S6hr Rar Doe v Verify by calling/meeting the real person before making a payment. v Always check the account details before making any payment. v Report the incident to the nearest Cyber Crime Police Station and National Cyber Crime Reporting Portal at https://cybercrime.gov.in i}Office of RBI Ombudsman, Mumbai -II ey eanaae ‘After a Fon days, Ramu met Raju m person Raja “Are you chy non? What emu: “Hi Raju. T's been ‘ong time.” / happened to you? What was the medical emergen es NFL fine: nothing has < ge< Fappened to me.” d ama: "Ei perfectly Raju: "Upon your request on social media for the medical emergency, I had transferred Rs 10000 to you." = Ramu: “But I never asked for help nor received ‘any money from you." Raju: “Thinking the | irequest on social medi was genuine, I have transferred Rs 10000 toa fraudster. (Oh, I am duped!’ Don'ts: x Don't keep your personal information like mobile number, email id and friend list open to the public. * Don't accept friend requests/ follow requests from people you have never met in person.ECT Tes Teaser 11. JUICE JACKING — STEALING OF DATA. THROUGH CHARGING CABLE Raju had to leave due to a medical emergency. He realizes that his phone battery is low. ID sues Sirs wal SV dlcebamie cake anata ect | Raju: “Oh no! My battery got drained, and T don't have a charger." ‘A fraudster stale charging coble wihia vis ond leaves at he Jcharaing point ina public place. Raju notices the charging point with the| charging cable ard asks the fraudster if he can use it Rayer “Hil Con T use Fraudster: "Why rot! Please use i.” Do's -v Install anti-virus software on your mobile phone to protect it from unauthorized access. ~ Report the incident to the nearest Cyber Crime Police Station and National Cyber Crime Reporting Portal at https://cybercrime.gov.in pstlee Ken eee Testy eee While charging, the charging cable injects the virus into Rajuis mobil. During the next fen daye, the Froucster ceptured al detals ‘One day, Raju receives SMSs/emoils indicating entered by Reju on his mobile and got hold of vitl benk details lke rauthocized debits in his stvings account, sername, password ete Don'ts: % Don't use charging adapters/cables from strangers.yee see SCV Tet https://ems.rbi.org. 12. LOTTERY FRAUD { Fraudster: “Hi... Tim Panicaj calling | from ABC. Congratulations on winning! J the ABC jackpot of Rupees 10 Lakh T have sent you the jackpot details. You may contact the number mentioned therein to claim the priz yup Excited, Raju called the number in the jackpot message which featured a fake audio of a Superstar congratulating him on the prize. He contacted the given number. Rajur "Hi, this is Raju. I was asked to contact you for claiming the ABC Jackpot. How shall I claim my jackpot?" Unaware of thie Fraudclent activity, Raju paid the amount and called him ba Fraudster: "Congrats Rajul You must pay a delivery fee of Rs 1000 to be eligible to receive the prize, ‘Thave shared our account details on your Message App ajs"Hi-T have poi the araunt and sent amber lease py the amount imedately and cane bck” | valtne ance vow cer wore Fravster: "Excelent Raj | We hate ora few ore crepe to complete before you oot the jackpt of pens Bede You it have pay tex fe of Be 25000 te ‘chain The pie amount Do's: v_ Verify the message received from unknown numbers before trusting them as members of any ‘company or management team. Always verify lottery offers with official websites of such events, Report the incident to the nearest Cyber Crime Police Station and National Cyber Crime Reporting Portal at httpsi//cybercrime.gov.in 86ieee KOT VTE eeu ee at Raju waits for the jackpot for the next few days but receives paju: Thave made | miiathenipcites ‘he poymert" Fraudster: "Thank you, Si You will receive your prizs ‘wo days." ..Later, he realizes that he was cheated. Don'ts: x Do not make payments without verification, expecting very high returns.13. ONLINE JOB FRAUD Ute oO eNO e Jems.rbi.org.in (One day, be got call from a fraudster, impersonating a person from X¥Z Company. Froudster: "Am T talking to Mr Raju” Raju: "Yes, may I row whom Eom ‘elking 102" Feaudster.“H Reju, Tam Rohit (rem the Human Resource | department of XYZ Company, Yeu are selected for a sranagerial jab in our company based on your oppliation® | [fqju: Wow! Thank you for be selecting me. // 'y the authenticity of the company or recruitment agencies before paying any money. Recruitment agencies generally do not charge candidates for hiring them. v Report the incident to the nearest Cyber Crime Police Station and National Cyber Crime Reporting Portal at https: /cybercrime.gov.inree Ken Cees Peete a Froudster: ‘Nothing. Younneed to pay a one-time registration fee of 12s 5,000 as-a security deposit for the office laptop, Since it iso work from heme job, we will courier you the laptep* Elated with joy, Raju poys Rs 5,000 to the designated account Freudster: “Thank you, Sir. We will send the jeining letter ‘and laptop to your address in 3-4 days" Raju: "T have paid the security deposit Please check it.” DDezpite wating For several days, Raju didnot receive any laptop He tried eaing onthe rumber, but the nunber was aleys avitched off He searched the company name onlin but didnot find ryhing. Raju eventually reclized that he was defrauded of his hard-earned money Don'ts: y< Don't pay anyone under the pretext of a job. A legitimate company will never ask for| payment from a potential candidate for a job offer.back home from the office, he saw a small stall in the name of ABC Lnsurai 14. FAKE ACCOUNT NUMBER Sve Jems.rbi.org.int Raju was planning to buy a family insurance policy for himself and his family. On his way ince compan Whet are the eptir availble?” alu: "Hello. Cam planning to buy en ineurance policy ‘fer my family.” ‘Soles agent: “Sir, you have ‘come to the right place, We have started this out in public ploces especiclly for launching new insurence schemes” Soles agent “Sic, the best one for a family isthe 'SURAKSHA plan in which you will get 2 lakh cover for ‘premium of Rsi0000." ttn ie pai ara al KR 4486 Do's Cross-check an organization's credentials on a known database to see if they are genuine. Always approach registered offices for availing products. Funds are transferred solely based on account number. Fraudsters may give a genuine company name but give their own account number, always verify the account number with the company before making a payment. lent to the nearest Cyber Crime Police Station and National Cyber Report the Crime Reporting Portal at https://cybercrime.gov.inOffice of RBI Ombudsman, Mumbai -II eeu a Raju: "Okey. That's great. I wil poy you right now. fx must pay through the payment option on your ste right?" | ‘Sales agent: “No Sir. This isa one-time specil offer. You nced to transfer the emeurt to this account: ‘Account Number 12312312312; ‘Account Name: ABC Insurance Company. Our office agent will deliver the paliey documents to your heme in seven days" ale “Okey Chave transferred ‘the amount Thenicyou" The next day Raju noticed that the outlet was gone. Even after 10 days, he did not ptionon our official receive any documents. ined of traectan os Raju called the ABC insurance compony. Don'ts:Raju poys the amount immediately witheut verfying the email 1D or eceount datas aj: "Hey Ramesh; how are you? Thope yauare fine now.” amash: Helle Raju. Lem fine, How are you? You've called me after e very lorg time.” Do': Verify with the person concerned before making any payment based ‘on the email received. Verify the email ID. Report the incident to the nearest Cyber Crime Police Station and National Cyber Crime Reporting Portal at https://cybercrime.gov.in pA)oes Ken COL Testy eeu ee aah Fai *No Xd Serd ery | emall to younor have T got ony E money from yo au "What? You aed me yesterday fer money, ‘rd troncferrad the mere. Dont je wth ms!” Reju: "But it had the rome Ramesh Bohra and. the mall 1D Ramesh bore@grralcom” Ramesh: "My emailis Raresh bohra@gmailcom: someone tricked you by using a siniler-leoking name. x = Lia (Raju was in shock after knowing this, His oct of kindness made him victim to a fraudster due to his negligence. He should have verified the email 1D) Don'ts: similar-looking email ids. X Don't make payments on receiving requests from random emails or