1. Beware of Phishing Messages

Phishing is when attackers send fake emails, SMS, or WhatsApp messages pretending to be a bank, government office, courier service, or popular website.

How to protect yourself

Never click on suspicious links.

Check the sender’s number or email carefully.

Banks never ask for KYC updates, PAN/Aadhaar details, or passwords via links.

Type the website manually instead of clicking URLs.

2. Protect Your OTP, PIN, and Passwords

Your OTP is your last line of defense. If anyone gets it, they can access your accounts.

Safety rules

Never share OTP, PIN, CVV, or passwords—even with “bank officials.”

Enable 2-Factor Authentication (2FA) for all major apps.

Use strong passwords (mix of letters, numbers, and symbols).

Change passwords regularly.

3. Avoid Installing Unknown Apps

Fake apps can steal contacts, messages, passwords, and bank details.
Do this instead

Install apps only from Google Play Store or Apple App Store.

Always check app reviews and download counts.

Avoid apps that ask for unnecessary permissions like SMS or microphone.

4. Secure Your Wi-Fi and Devices

An unsecured Wi-Fi makes it easy for attackers to hack your devices.

Tips

Set a strong Wi-Fi password.

Keep phone and computer updated.

Install a trusted antivirus.

Avoid using public Wi-Fi for banking or payments.

5. Verify Online Sellers Before Paying

Many scams happen through fake online shops or social media ads.

How to stay safe

Check reviews and ratings.

Prefer Cash on Delivery (COD) when possible.

If a deal looks too cheap, it’s probably fake.

6. Double-Check Payment Requests

Cybercriminals often send QR codes or UPI requests pretending to buy something.
Remember: Receiving money never requires scanning a QR code.

Be careful with

Unknown QR codes.

Fake UPI payment screenshots.

Requests from strangers or newly created accounts.

7. Protect Your Social Media Accounts

Many frauds begin by hacking Facebook, Instagram, or WhatsApp accounts.

Security measures

Enable 2FA.

Don’t accept friend requests from unknown people.

Avoid sharing sensitive information publicly.

Be cautious of messages asking for money urgently.

8. What To Do If You Get Scammed

If you suspect fraud, act quickly.

Steps to follow immediately

Call your bank and freeze your account/cards.

Report the crime at https://cybercrime.gov.in
.

File a complaint at your nearest cyber police station.

Save screenshots, transaction IDs, and messages as proof.

Final Thoughts

Cyber fraud is increasing every year, but with awareness and smart habits, you can stay one step ahead of scammers. Share this article with your family and friends—especially parents and elderly people—so everyone stays protected.