1️⃣ UPI / Bank / OTP / Credit Card Fraud Safety Checklist
Before using UPI or Card
- Official app ही use करें
- International usage off रखें
- Daily transaction limit set रखें
- SMS / Email alerts always ON
- ATM PIN, CVV, UPI PIN कभी share ना करें
- Credit card का backside (CVV) photo gallery में न रखें
Red Flags (Alert हो जाएं)
- Verification के नाम पर OTP माँगना
- Card limit increase / reward का लालच
- Caller को bank officer मान लेना
- WhatsApp या phone पर KYC
- Remote access apps install करवाना
If trapped / पैसे निकल गए
- Bank helpline पर card/block immediately
- SBI/YONO/Netbanking से “Report Fraud” option
- 1930 cyber helpline पर तुरंत call
- cybercrime.gov.in पर complaint
- FIR receipt keep for follow-up
- SIM replacement only after fraud reporting
2️⃣ WhatsApp / Social Media Scam Safety Checklist
Safe रहने के तरीके
- Unknown message में links avoid करें
- Profile privacy settings strong रखें
- Public पोस्ट से phone/email छुपाएँ
- Unknown group invitations ignore
- Verification badge/blue tick scams से सावधान
Red Flags
- Call saying SIM block होगी
- Fake support / customer care
- Video call पर गलत demand
- Emotional manipulation (love scam)
If you get targeted
- Screenshot proof save
- WhatsApp → Report + Block
- Account recover करने तुरंत mail
- Contact cyber police on 1930
3️⃣ Online Shopping Scam Safety Checklist
Safe Shopping Rules
- Only trusted platforms (Amazon, Flipkart)
- Unknown websites पर costly products ना लें
- Return, refund और address check करें
- Cash on Delivery में भी advance charge scam
- First order small amount से test करें
Red Flags
- Too good offer (70%+ Apple/Sony discounts)
- Timer running (Hurry trick)
- UPI only payments
- WhatsApp-only support
- New website (domain age < 3 months)
If trapped (Payment हो गई)
- UPI app में Report transaction
- Bank में chargeback request
- Ad/website को social platform पर report
- cybercrime.gov.in पर complaint
4️⃣ Fake Job / Task / Work-From-Home Scam Safety Checklist
Safe रहने के तरीके
- Job देने के लिए कभी पैसे नहीं लिए जाते
- Telegram earning groups 99% fake
- Profiles verify करें, Google पर check करें
Red Flags
- पहले पैसे भेजो, बाद में काम
- Guaranteed earnings
- Easy tasks = high income
If you paid money already
- Bank/App dispute raise करें
- Chat + UPI screenshot proof रखें
- 1930 पर call और cybercrime.gov.in report करें
5️⃣ Fake Police / Digital Arrest Scam Safety Checklist
सबसे जरूरी नियम
- कोई भी investigation WhatsApp/Skype पर नहीं होती
- Police video call पर किसी को arrest नहीं करती
- Courier companies illegal parcel का call नहीं करती
Red Flags
- Alone room में बैठने को बोलना
- Camera ON रखना
- Immediate FIR/arrest threat
- Safe government account में पैसे डालने को कहना
If stuck on call
- Calm रहें, call काटें
- Family को तुरंत बताएं
- 1930 call करें
- FIR report online
6️⃣ Loan App Blackmail Scam Safety Checklist
Safe Apps Only
- RBI approved NBFC list check करें
- Public Play Store reviews देखें
Red Flags
- Contact list access
- Gallery access
- Instant approval scam
- Threatening messages
If blackmailed
- Police complaint तुरंत
- Social media reports
- Number disable
- Counseling family support
⭐ Bonus: Master Quick Checklist (One View)
| Situation | Do | Never |
|---|---|---|
| Unknown call | Cut & verify | Panic में details ना दें |
| Payment issues | App/Website check | Google numbers पर trust नहीं |
| OTP | खुद के use के लिए | किसी को read कराकर मत बताओ |
| Offer या discount | Verify & compare | Hurry decision |
| Suspicious link | Ignore | Click नहीं करें |