Fraud types

Each entry explains how the fraud works, the warning signs to watch for, and the exact step to take if it has already happened to you.

Payment

You are sent a 'collect request' or a QR code and told to scan it to receive money. Scanning sends money out, never in.

Employment

A WhatsApp or Telegram message offers paid tasks. Small payouts arrive first, then a larger 'deposit' is demanded.

Impersonation

Callers posing as police, CBI or customs claim a parcel or case in your name and keep you on video call until you transfer money.

Investment

A group shows profit screenshots and a fake app where your balance rises. Withdrawals are blocked until you pay 'tax'.

Identity

An SMS warns your KYC has expired and your account will be blocked, with a link or an app to install.

Shopping

Deeply discounted products on a lookalike site, or a delivery SMS with a small 'redelivery fee'.

Social

A long online friendship leads to a gift stuck at customs, a medical emergency, or an investment tip.

Loan

An app gives a small loan, takes your contacts and photos, then threatens and shames you for repayment.