9 Common Digital Frauds in India You Must Know | Legal Guide by Advocate Prakhar Gupta



As a Law Firm in Kota, we frequently encounter victims of complex digital scams. Understanding these methods is your first line of defense:
  1. Phishing: Scammers impersonate banks via fake emails/SMS to steal login credentials.
  2. OTP Frauds: Fraudsters pose as delivery agents or bank officials to trick you into sharing your One-Time Password, eventually cloning your device access.
  3. UPI Fraud: Misusing the "Request Money" feature where users unintentionally authorize a debit instead of a credit.
  4. Fake Identity/AI Fraud: Using AI to spoof voices or using stolen PAN/Aadhar details to open fraudulent accounts.
  5. Malware: Malicious software sent via attachments to gain remote access to your systems.
  6. Account Takeover: Hackers change your credentials, locking you out of your own bank account.
  7. Refund Frauds: Luring victims with fake "order cancellation" refunds to extract OTPs.
  8. QR Code Scams: Tricking users into scanning a code to "receive money," which actually debits their account.
  9. SIM Swapping: Cloning your SIM card to intercept bank alerts and OTPs.

Beyond Simple Fake Calls

The fraud landscape has evolved beyond simple fake calls. In 2024 and 2025, we are seeing "Cyber-Fraud Fusion," where traditional phishing is enhanced by Artificial Intelligence.
  1. Deepfake & AI Voice Scams: Scammers can now use AI to generate an automated voice that sounds exactly like a family member or a bank manager, making "New Account Fraud" nearly impossible to detect for the untrained eye.
  2. The QR Code Trap: A common query we receive as a Lawyer in Kota involves users who scanned a code to "receive" a payment (for a used item on OLX, for example) only to find their own account debited. Remember: Scanning a QR code is only for SENDING money, never for receiving.
  3. The SIM Swap & Malware Nexus: By using malware-infested links, criminals read your SMS in real-time. SIM swapping allows them to "highjack" your mobile identity, rendering your 2-Factor Authentication (2FA) useless.

Advocate Prakhar Gupta's Note: 

If you have been a victim of these in Rajasthan, immediately report to 1930 or visit cybercrime.gov.in.

Advocate Prakhar Gupta | Advocate in Kota | Lawyer in Kota | Lawfirm in Kota 

Legal Disclaimer: 

The information provided in this article (and any related content) is for general educational and informational purposes only. It does not constitute legal advice, nor does it create an attorney-client relationship between the reader and the author or the firm. For specific legal queries or urgent advice regarding your rights and options, please consult with a qualified lawyer to ensure your interests are protected based on the most current laws and your specific situation.
Location: 291, Rajeev Gandhi Nagar, Instrumentation Limited Colony, Kota, Rajasthan 324005, India

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