Phone callWidespread
Digital arrest
How it opens
A video call from someone in a police or CBI uniform. They say a parcel in your name held drugs or fake passports, and that you must stay on the call until it is resolved.
The one tell
No police force in India arrests anyone over a video call, and none will ask you to transfer money to clear your name.
What to do
Hang up. Call the person’s office on a number you looked up yourself. Report on cybercrime.gov.in or 1930.
PaymentWidespread
UPI collect request
How it opens
A refund, a cashback, or payment for something you listed for sale arrives as a request you have to approve with your PIN.
The one tell
You never enter your UPI PIN to receive money. Entering it always sends money out.
What to do
Decline the request. If you are selling something, ask the buyer to pay to your UPI ID instead.
SMSWidespread
KYC update
How it opens
An SMS saying your bank account, SIM or wallet will be blocked tonight unless you tap a link and update your KYC.
The one tell
The deadline is the scam. No bank closes an account the same evening over a form, and none does KYC over a link in an SMS.
What to do
Delete it. If you’re unsure, open your bank’s own app or visit the branch.
LinkRising
Fake delivery
How it opens
A message about a parcel that could not be delivered, with a small fee to reschedule and a link that looks close enough to the courier’s real site.
The one tell
The fee. Couriers reschedule for free, and they don’t take card details over a link.
What to do
Track the parcel from the courier’s own app. Report the number as spam.
AppRising
Loan app harassment
How it opens
An instant loan app approves a small amount in minutes, then demands repayment with interest that was never disclosed, and threatens to message your contacts.
The one tell
It asked for your full contact list and photo gallery at install. A regulated lender never needs either.
What to do
Revoke the app’s permissions, uninstall it, and report to the RBI Sachet portal and 1930. The threats are illegal.
Phone callSteady
Electricity disconnection
How it opens
An SMS or call saying your electricity will be cut tonight because last month’s bill did not update, with a number to call.
The one tell
A real disconnection notice comes from your discom with an account number on it, and never asks you to install a remote-access app.
What to do
Check your bill in the discom’s own app. Never install an app someone asks you to install while on a call.