Identity
KYC and account-block SMS
An SMS warns your KYC has expired and your account will be blocked, with a link or an app to install.
Warning signs
- Urgent deadline in an SMS
- Asked to install AnyDesk, TeamViewer or a screen-sharing app
Who is targeted most
Anyone with a bank account, especially shopkeepers and people transacting during busy hours.
How the fraud works
The message carries a same-day deadline and a shortened link, and is often timed for when you are busy. The page it opens is a copy of your bank's login screen, sometimes down to the exact fonts and colours.
A second version of this fraud asks you to install a screen-sharing app so 'support' can complete the update. That app shows the fraudster your OTP as it arrives.
The usual sequence
- 1SMS, WhatsApp message or call warns of account suspension today.
- 2A link opens a page that looks exactly like your bank.
- 3Customer ID, password and OTP are entered on that page.
- 4Alternatively, a remote-access app is installed for 'help'.
- 5Debits follow within minutes.
How to protect yourself
- Banks do not suspend accounts over SMS deadlines or complete KYC through links.
- Never install AnyDesk, TeamViewer, QuickSupport or similar at anyone's request.
- Call only the number printed on your passbook, card, or the bank's own app.
Comment rules
- Do not share bank details, OTPs, card numbers, Aadhaar or complaint numbers.
- Do not name or accuse individuals. Make official reports at cybercrime.gov.in.
- Comments are reviewed before publication. Never pay anyone who offers to recover your money.