Janata Sahakari Bank Ltd, Dharashiv

Protect Yourself from Cyber Frauds

In today's digital age, cyber criminals are constantly finding new ways to steal your hard-earned money and personal information. As your trusted banking partner, we are committed to keeping you informed about the latest cyber threats and how to protect yourself.

Remember: Your bank will NEVER ask for your PIN, OTP, CVV, or full card details over phone, email, or SMS.

₹1,750+ Cr

Lost to cyber frauds in India (2023)

95,000+

Cyber crime cases reported

Common Cyber Threats in India

Be aware of these common fraud tactics used by cyber criminals

Phishing Attacks

Fraudsters send fake emails or messages pretending to be from your bank, asking you to click malicious links or share sensitive information.

Example: "Your account will be blocked. Click here to verify KYC immediately."

Vishing (Voice Phishing)

Fraudsters call pretending to be bank officials, RBI representatives, or police officers to extract your banking credentials.

Example: "I'm calling from RBI. Your account has suspicious activity. Please share your OTP."

Smishing (SMS Phishing)

Fake SMS messages with malicious links claiming to be from banks, government agencies, or delivery services.

Example: "Congratulations! You've won ₹5 lakhs. Click to claim your prize."

UPI Frauds

Scammers trick users into accepting money requests instead of sending money, or sharing UPI PINs through fake customer care calls.

Example: "To receive refund, accept this payment request and share OTP."

KYC Update Scams

Fake messages claiming your KYC is expired or needs immediate update, leading to phishing websites that steal your information.

Example: "Your KYC will expire in 24 hours. Update now to avoid account suspension."

SIM Swap Fraud

Criminals obtain a duplicate SIM card of your mobile number to intercept OTPs and gain access to your bank accounts.

Example: Suddenly losing network signal, followed by unauthorized transactions.

Safe Banking Practices

Follow these guidelines to keep your money and information secure

DO's - Always Follow These

Keep your PIN, Password, OTP, and CVV completely confidential
Change your passwords regularly (every 3-6 months)
Use strong passwords with mix of letters, numbers, and special characters
Enable two-factor authentication (2FA) wherever available
Verify website URLs before entering banking details (look for https://)
Download banking apps only from official app stores
Keep your mobile number and email updated with the bank
Monitor your account statements regularly for unauthorized transactions
Log out from banking sessions after completing transactions
Report suspicious activities immediately to your bank
Use secure and private internet connections for banking
Keep your device's operating system and apps updated

DON'Ts - Never Do These

Never share your PIN, Password, OTP, or CVV with anyone
Never click on suspicious links received via SMS, email, or WhatsApp
Never download apps from unknown sources or third-party stores
Never share screen with anyone during online banking
Never save passwords in browsers or note them down
Never use public Wi-Fi for banking transactions
Never respond to calls asking for banking credentials
Never accept payment requests on UPI - always send money
Never install remote access apps like AnyDesk, TeamViewer on request
Never share Aadhaar OTP with anyone for any reason
Never trust "too good to be true" offers or lottery wins
Never ignore security warnings from your bank or device

Digital Payment Safety

Secure your UPI, IMPS, NEFT, and RTGS transactions

UPI Safety

Never share UPI PIN
Verify recipient before sending
Set transaction limits
Use only official UPI apps
Never accept payment requests from unknown sources

Card Safety

Never share CVV or OTP
Enable transaction alerts
Use virtual cards for online shopping
Block lost cards immediately
Check for card skimmers at ATMs

NEFT/RTGS/IMPS

Verify beneficiary details
Use secure internet connection
Save transaction receipts
Check account statements
Report failed transactions

Mobile Banking

Use strong app passwords
Enable biometric authentication
Update app regularly
Don't root/jailbreak device
Install antivirus software

ATM Safety Guidelines

Stay safe while using ATM machines

1

Before Using ATM

Choose ATMs in well-lit, secure locations
Check for any suspicious devices or cameras
Be aware of people standing too close
Inspect card slot for skimming devices

2

While Using ATM

Shield PIN pad while entering PIN
Never accept help from strangers
Don't count cash at the ATM
Complete transaction quickly

3

After Using ATM

Take your card and receipt immediately
Put cash away securely before leaving
Check account balance regularly
Report any suspicious activity

RBI Guidelines & Your Rights

Know your rights as a banking customer in India

Zero Liability Period

If you report unauthorized transactions within 3 working days, you have zero liability. Report immediately!

Timeline:

0-3 days: Zero liability
4-7 days: Up to ₹10,000 liability
After 7 days: As per bank policy

Refund Rights

Banks must credit your account within 10 working days of receiving complaint for unauthorized electronic transactions.

Important: Keep all transaction records and complaint acknowledgments safe.

Customer Protection

RBI mandates banks to have robust security systems and customer grievance redressal mechanisms.

Your Rights: Secure banking, timely resolution, and compensation for bank's negligence.

Cyber Fraud in India

Understanding the scale of the problem helps us prepare better defenses

36.37 Lakh+

Fraud Incidents Reported (2024)

₹ 22,846 Cr+

Loss to Cyber Fraud (2024)

86,420+

Registered Cybercrime Cases (2023)

How to Report Cyber Fraud

Act fast! Time is critical in cyber fraud cases

STEP 1

Call Immediately

National Cyber Crime Helpline 1930

Your Bank Customer Care Block card/account

STEP 2

File Online Complaint

cybercrime.gov.in

National Cyber Crime Reporting Portal - File FIR online within 24 hours

STEP 3

Document Everything

Take screenshots of messages/emails
Note transaction details
Save complaint numbers
Keep bank communication records

Emergency Contacts

Cyber Crime Helpline:
1930 (24x7)

Banking Ombudsman:
RBI Website

Police Emergency:
100

Women Helpline:
1091

Recent Scam Alerts

Stay updated about latest fraud tactics

High Risk

Fake Customer Care Numbers

Fraudsters create fake customer care numbers on Google search results. Always use official bank website or app for contact details.

Tip: Save your bank's official customer care number in your phone contacts.

High Risk

Digital Arrest Scam

Fraudsters impersonate police/CBI officials via video call, claiming you're involved in illegal activities and demanding money.

Tip: No law enforcement agency conducts arrests via video call. Hang up immediately!

Medium Risk

Fake Prize/Lottery Scams

Messages claiming you've won prizes from KBC, government schemes, or international lotteries asking for processing fees.

Tip: Legitimate lotteries never ask for money upfront. Delete such messages.

Medium Risk

Fake Delivery/Courier Scams

Calls/SMS about pending deliveries with links to fake payment pages or asking for OTP to "release" packages.

Tip: Verify with official courier company. Never share OTP for deliveries.

Important Indian Cyber Safety Resources

Official portals and helplines verified by Government of India

National Cyber Crime Portal

Report online financial frauds, identity theft, and cyber offenses.

Visit Website

Cyber Crime Helpline - 1930

24×7 national helpline for reporting cyber fraud in India.

RBI Customer Protection

Know your rights regarding unauthorized electronic transactions.

Visit RBI

CERT-In Alerts

Latest cyber security advisories from the Indian Govt.

Learn More

Janata Sahakari Bank Ltd, Dharashiv (Multi State)

Cyber Awareness