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| — | cyber-fraud:start [2026/07/18 03:58] (current) – created - external edit 127.0.0.1 |
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| | {{htmlmetatags>metatag-keywords=(cyber fraud India 2026, UPI fraud, UPI AutoPay subscription debit, WhatsApp OTP scam, SIM swap, deepfake scam, AEPS fraud, QR sticker fraud, fake APK, fake KYC, digital arrest scam, NCRP 1930, cybercrime.gov.in, IT Act 66C 66D, BNS 318) |
| | metatag-description=(India cyber-fraud command desk 2026: 41+ citizen guides on UPI, AutoPay, OTP, SIM-swap, deepfake, QR, APK fraud. Free, no login. NCRP 1930 + IT Act 66C/66D.)}} |
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| | ====== Cyber Fraud — Digital Crisis Desk (India 2026) ====== |
| | |
| | This is the cyber-fraud command desk for India 2026. You will find 41+ citizen-tested guides spanning UPI / AutoPay / AEPS / QR / SIM-swap fraud, WhatsApp-OTP and deepfake attacks, fake APKs and fake KYC, "digital arrest" calls, sextortion and revenge porn, account-hack recovery, and the National Cybercrime Reporting Portal route. Every guide is free, no login, no payment. The legal spine is the **IT Act 2000 Sections 66C (identity theft) and 66D (cheating by personation using a computer resource)**, the **BNS 2023 Section 318** for cheating, the **RBI Limited Liability Circular** for unauthorised electronic transactions, and the **NCRP at cybercrime.gov.in / helpline 1930** as the central freezing channel. |
| | |
| | <WRAP center round info 95%> |
| | **Quick Answer — the 4-minute citizen drill if you have just been scammed online:** |
| | (1) Dial **1930** within 30 minutes — this triggers the NCRP "money-mule" freeze across banks. (2) File a complaint at **cybercrime.gov.in** with screenshots of UPI ID / URL / chat / SMS. (3) Email your bank within 3 working days under the **RBI Limited Liability Circular** to reset your liability to zero. (4) FIR + IT Act 66D + BNS 318 — under **Lalita Kumari (2014)** the police cannot refuse. Never share OTPs, never run a screen-share app on a stranger's instruction. |
| | </WRAP> |
| | |
| | ===== In this hub ===== |
| | |
| | * UPI and payment fraud |
| | * OTP, SIM-swap and Aadhaar-linked attacks |
| | * AEPS, fingerprint and biometric fraud |
| | * QR code, fake-app and APK attacks |
| | * Fake KYC, fake customer care and impersonation |
| | * Deepfake, AI voice and "digital arrest" |
| | * Social-media account hack and online harassment |
| | * Online-payment, e-commerce and OTP-refund scams |
| | * Report and recover — the NCRP playbook |
| | |
| | ===== UPI and payment fraud ===== |
| | |
| | UPI scams are **IT Act 66D + BNS 318 + RBI Limited Liability Circular** — the trifecta lets you trigger NCRP freeze, criminal action, and a bank refund within 10 working days. |
| | |
| | * [[:upi-fraud-recovery-india|UPI fraud recovery]] |
| | * [[:scammed-on-upi-recovery-steps|UPI scam — recovery steps]] |
| | * [[:recover-money-upi-fraud-2026|Recover money from UPI fraud]] |
| | * [[:upi-deducted-not-received-action-plan-india|UPI deducted but not received]] |
| | * [[:upi-lite-deducted-not-reflected-india|UPI Lite deducted, not reflected]] |
| | * [[:upi-autopay-mandate-fraud-india|UPI AutoPay mandate fraud]] |
| | * [[:upi-autopay-subscription-debit-cancel-mandate-refund-india|UPI AutoPay subscription debit after free trial]] |
| | * [[:upi-mandate-fraud-how-to-spot|Spot a UPI mandate-fraud request]] |
| | * [[:upi-gambling-fraud-india|UPI gambling fraud]] |
| | * [[:online-payment-fraud-recovery-india|Online-payment fraud recovery]] |
| | * [[:recover-money-wrong-bank-account-india|Money sent to wrong bank account]] |
| | |
| | ===== OTP, SIM-swap and Aadhaar-linked attacks ===== |
| | |
| | SIM-swap exploits TRAI's portability rules. The **Sanchar Saathi portal (sancharsaathi.gov.in)** lets you check active SIMs against your Aadhaar — a 3-minute audit every citizen should run. |
| | |
| | * [[:whatsapp-otp-fraud-explained-india|WhatsApp OTP fraud explained]] |
| | * [[:sim-swap-fraud-recovery|SIM-swap fraud recovery]] |
| | * [[:block-lost-stolen-sim-card-india|Block a lost / stolen SIM]] |
| | * [[:pan-aadhaar-fraud-recovery|PAN / Aadhaar fraud recovery]] |
| | * [[:fake-aadhaar-update-website-fraud|Fake Aadhaar-update website fraud]] |
| | * [[:fake-pan-update-sms-scam-india|Fake PAN-update SMS scam]] |
| | |
| | ===== AEPS, fingerprint and biometric fraud ===== |
| | |
| | UIDAI's biometric-locking feature (mAadhaar) is the single most effective citizen defence; lock by default, unlock only for live transactions. |
| | |
| | * [[:aeps-aadhaar-fraud-recovery|AEPS Aadhaar fraud recovery]] |
| | * [[:aadhaar-enabled-payment-system-fraud-guide-india|AEPS fraud — citizen guide]] |
| | * [[:fingerprint-cloning-fraud-india|Fingerprint-cloning fraud]] |
| | * [[:atm-fraud-recovery|ATM fraud recovery]] |
| | |
| | ===== QR code, fake-app and APK attacks ===== |
| | |
| | Never scan a QR to "receive" money — the QR carries a debit request, not a credit. Section 66C IT Act covers the resulting identity theft. |
| | |
| | * [[:qr-code-scam-recovery|QR-code scam recovery]] |
| | * [[:qr-sticker-fraud-on-shops-and-petrol-pumps-india|QR-sticker fraud on shops + petrol pumps]] |
| | * [[:fake-apk-installation-scam-india|Fake APK installation scam]] |
| | * [[:report-fake-mobile-apps-india|Report fake mobile apps]] |
| | |
| | ===== Fake KYC, fake customer care and impersonation ===== |
| | |
| | The single most effective rule: no bank, telco or UIDAI will ever ask for an OTP or screen-share. Anything claiming otherwise is **IT Act 66D**. |
| | |
| | * [[:fake-kyc-update-scam-india|Fake KYC-update scam]] |
| | * [[:fake-customer-care-number-scam-india|Fake customer-care number scam]] |
| | * [[:fake-courier-customs-held-scam-india|Fake courier / customs-held scam]] |
| | * [[:fedex-courier-scam-recovery|FedEx courier scam recovery]] |
| | * [[:fake-electricity-disconnection-call-scam-india|Fake electricity-disconnection call]] |
| | * [[:whatsapp-electricity-disconnection-scam-india|WhatsApp electricity-disconnection scam]] |
| | * [[:electricity-bill-scam-whatsapp-sms|Electricity-bill scam — WhatsApp / SMS]] |
| | * [[:fake-immigration-consultancy-scam-india|Fake immigration-consultancy scam]] |
| | * [[:fake-linkedin-recruiter-scam-india|Fake LinkedIn recruiter scam]] |
| | * [[:fake-loan-approval-scam|Fake loan-approval scam]] |
| | * [[:fake-insurance-policy-scam-india|Fake insurance-policy scam]] |
| | |
| | ===== Deepfake, AI voice and "digital arrest" ===== |
| | |
| | "Digital arrest" is **not a legal concept in BNSS**. Any caller demanding cash to "clear a parcel" or "release a relative" is committing IT Act 66D + BNS 308 (extortion). |
| | |
| | * [[:ai-voice-scam-recovery|AI voice-clone scam recovery]] |
| | * [[:fake-court-summons-whatsapp-scam-india|Fake court summons WhatsApp scam]] |
| | * [[:fake-police-notice-pdf-scam-india|Fake police-notice PDF scam]] |
| | * [[:fake-e-challan-whatsapp-scam-india|Fake e-challan WhatsApp scam]] |
| | * [[:fake-google-review-removal-india|Fake Google-review removal]] |
| | |
| | ===== Social-media account hack and online harassment ===== |
| | |
| | * [[:social-media-hacked-recovery|Social-media hacked — recovery]] |
| | * [[:how-to-report-fake-social-media-profiles-india|Report fake social-media profiles]] |
| | * [[:sextortion-scam-recovery-india|Sextortion recovery]] |
| | * [[:revenge-porn-complaint-guide-india|Revenge-porn complaint]] |
| | * [[:matrimonial-blackmail-scam-india|Matrimonial blackmail scam]] |
| | * [[:online-dating-scam-recovery-india|Online dating-scam recovery]] |
| | * [[:school-whatsapp-group-fraud-and-safety-india|School WhatsApp-group fraud]] |
| | * [[:child-online-safety-guide-for-parents-india|Child online-safety for parents]] |
| | |
| | ===== Online-payment, e-commerce and OTP-refund ===== |
| | |
| | * [[:online-seller-otp-refund-scam-india|Online-seller OTP-refund scam]] |
| | * [[:cod-fraud-parcel-complaint-india|COD parcel fraud]] |
| | * [[:online-shopping-cashback-scam-india|Online-shopping cashback scam]] |
| | * [[:instagram-seller-money-blocked-recovery-india|Instagram-seller money-blocked recovery]] |
| | * [[:instagram-store-scam-india|Instagram-store scam]] |
| | * [[:facebook-marketplace-fraud-india|Facebook-Marketplace fraud]] |
| | * [[:wfh-task-scam-money-recovery-india|Work-from-home task scam]] |
| | * [[:online-job-offer-scam-pay-to-apply|Online job-offer scam]] |
| | * [[:telegram-investment-scam|Telegram investment scam]] |
| | * [[:telegram-part-time-job-scam-india|Telegram part-time-job scam]] |
| | |
| | ===== Report and recover — the NCRP playbook ===== |
| | |
| | * [[:file-cybercrime-complaint-2026|File a cybercrime complaint]] |
| | * [[:rti-for-cybercrime-complaint-status|RTI for cybercrime-complaint status]] |
| | * [[:how-to-verify-genuine-government-website-india|Verify a genuine government website]] |
| | * [[:freeze-account-after-fraud-bank-process|Freeze an account after fraud]] |
| | * [[:rti-for-lost-mobile-tracking|RTI for lost-mobile tracking]] |
| | * [[:senior-citizen-protection-india|Senior-citizen protection]] |
| | |
| | ===== Run the tools ===== |
| | |
| | * [[https://righttoinformation.wiki/tools/ai-rti-draft-app.html|AI RTI Drafter]] — generate a working RTI in 90 seconds |
| | * [[https://righttoinformation.wiki/tools/first-appeal-app.html|First Appeal Builder]] — when the PIO ignores your RTI |
| | * [[https://righttoinformation.wiki/tools/pio-reply-checker|PIO Reply Checker]] — paste a PIO reply, get the loopholes |
| | * [[https://righttoinformation.wiki/tools/awaaz-rti.html|AwaazRTI]] — voice-first RTI in 22 Indian languages |
| | |
| | ===== Related hubs ===== |
| | |
| | * [[:scams:start|Scams — Citizen Crisis Desk]] |
| | * [[:banking:start|Banking — Bank Fraud + RTI Command Desk]] |
| | * [[:consumer-rights:start|Consumer Rights — Refund + Complaint Desk]] |
| | * [[:police-process:start|Police Process — FIR + Notice Desk]] |
| | * [[:government-schemes:start|Government Schemes — Apply + Track Desk]] |
| | |
| | ---- |
| | //Last reviewed: 2 July 2026 — RTI Wiki editorial team.// |
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| | {{tag>cyber_fraud upi_fraud sim_swap deepfake digital_arrest ncrp_1930 it_act_66c it_act_66d bns_318 aeps}} |
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| | |
| | * [[middle-class-traps|Middle-class scam defence India]] - edtech refunds, insurance mis-selling, fake jobs, Ponzi, fake IT/GST calls (40+ guides) |
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