Real examples, warning signs, aur 1-line wala bachne ka tareeka — har scam ke liye. Print karein aur fridge par laga lein.
Naqli payment received message
Scammer sends a 'collect request' that looks like a payment notification. Aap OK dabate ho — paisa kat jaata hai.
Notification mein 'Pay' button hai, 'Received' nahi.
Kabhi bhi UPI PIN tab hi daalein jab AAP paisa BHEJ rahe hon.
QR scan karke refund le lo
OLX/Marketplace par 'buyer' bolta hai 'refund/advance' ke liye QR scan karein.
Refund LENE ke liye kabhi QR scan nahi karna padta.
QR scan = aap paisa BHEJ rahe ho. Hamesha.
AnyDesk / TeamViewer install karwana
'Bank executive' bolta hai customer support ke liye AnyDesk install karein.
Koi bhi asli bank screen-sharing app install karwane ko nahi bolta.
Phone band karein. Bank ki official helpline par aap call karein.
KYC pending hai, link click karein
“Aapka PhonePe/Paytm KYC expire ho gaya, 24 ghante mein update karein.”
SMS mein shortened link (bit.ly etc) ya unknown URL.
App khol ke seedha KYC check karein. Link kabhi click na karein.
Galti se paisa bhej diya, wapas karo
“Aapko galti se ₹5,000 bhej diye, please refund karein.” Actually paisa aaya hi nahi.
Asli transaction sirf bank app/SMS mein dikhega.
Bank statement mein verify karein. Verify hone ke baad hi action lein.
Lucky draw jeeta hai
“Aapne Paytm/PhonePe ka ₹50,000 jeeta — UPI PIN daal ke claim karein.”
Reward LENE ke liye PIN kabhi nahi maanga jaata.
Tax/processing fee maange to 100% scam hai.
Google par naqli helpline
Google par 'Paytm helpline' search karne par scam number top par dikhta hai.
Helpline number sirf official app/website se lein.
App ke andar 'Help & Support' section use karein.
Ghar baithe kamaai ka jhansa
Pehle ₹150 milta hai, fir bada deposit maangte hain — paisa wapas nahi milta.
Pehle aapko hi paisa lagana pad raha hai? Scam.
Asli job mein company AAPKO paisa deti hai, aap nahi.
Bete/beti ki AI awaaz mein call
Police/hospital se hone ka dawa, 'beta accident mein hai, paisa bhejein'.
Asli call back number maangte hain to scammer ghabra jaata hai.
Pehle apne family member ko direct call karke verify karein.
Paisa double, share market tip group
WhatsApp group mein 'guaranteed' returns ka jhansa.
Koi bhi guaranteed return illegal hai (SEBI rules).
Sirf SEBI-registered advisors aur banks se invest karein.
Get the Toolkit — includes a fridge-friendly card in Hindi & English, plus 50-page prevention guide.