Independent prototype. Fictional data only. No official report is sent.

About this demo

Production authentication and security are not verified. Do not enter real victim data. Raksha is not a government service and does not send reports to authorities.

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Active / high riskVoice call / SMS / WhatsApp

Bank / KYC impersonation

Also known as: KYC expiry call, account block scam, APK link scam, customer care fraud

Behavioural sequence

How the script progresses

1

Urgent account alarm

  • Told your account or SIM will be blocked today
  • Told your KYC or PAN has expired
2

'Verification' demanded

  • Asked for OTP, PIN, CVV or card number
  • Asked to install an app or open a link
3

Device or account control

  • Asked to share screen or install AnyDesk/TeamViewer
  • Asked to enter UPI PIN to 'receive' money

Likely next move

Urgent account alarm

They will create urgency and ask you to 'verify' by sharing an OTP or opening a link.

'Verification' demanded

They will ask you to install an app or share your screen so they can operate your bank app.

Device or account control

They will move money out while you are still on the call, then ask you to wait.

Do not do this

  • Banks never ask for OTP, PIN or CVV on a call. Hang up and call the number printed on your card.
  • Do not install any app or open any link sent during the call.
  • Do not share your screen with anyone claiming to be customer care.

Sources

RBI — Be(A)ware booklet on modus operandi of frauds · Retrieved 2026-09-04

I4C / cybercrime.gov.in — advisories · Retrieved 2026-09-04

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