📌 What Happened
From your description:· A
link was sent via WhatsApp.· After clicking,
Rs 4 lakh was lost.This is a
classic online banking/UPI scam, often called a
phishing or fake payment scam.
How it works:1. The scammer sends a link claiming something attractive (lottery, job, verification, or refund).2. The user clicks the link and is asked to
enter banking details or UPI PIN.3. Once the scammer gets this information, they can
transfer money directly from your account.Even if the link seems like it’s from
your bank or a government portal, scammers can make
fake websites look real.
⚠️ Red Flags in These Scams
· Unexpected links from
unknown numbers or unverified contacts.· Messages claiming
urgent action or limited-time offers.· Requests for
UPI PIN, OTP, or debit/credit card details.· Fake URLs that
look similar to official bank domains but have slight spelling changes.
🛡️ Immediate Actions If It Happens
1.
Block the sender to prevent further phishing attempts.2.
Contact your bank immediately:o Call the customer care number, explain the situation.o Ask for
temporary blocking of the account or card.3.
Report UPI/online fraud to:o Your banko
NPCI (National Payments Corporation of India) helpline: 1800 265 2651o
Cybercrime portal: https://cybercrime.gov.in4.
Change all banking passwords and UPI PINs immediately.5.
Check your devices for malware — sometimes clicking links can install spyware.
🔹 Preventive Tips
·
Never click on unknown or suspicious links.·
Verify with the source before making any payment.·
Do not share OTPs or UPI PINs.·
Enable two-factor authentication on all banking apps.·
Regularly check your bank statements for unauthorized transactions.💡
Pro Tip: Even if money is lost,
quick reporting to the bank and cybercrime authorities can sometimes help recover funds — banks can block further transfers and trace the fraudster.
Disclaimer:The views and opinions expressed in this article are those of the author and do not necessarily reflect the official policy or position of any agency, organization, employer, or company. All information provided is for general informational purposes only. While every effort has been made to ensure accuracy, we make no representations or warranties of any kind, express or implied, about the completeness, reliability, or suitability of the information contained herein. Readers are advised to verify facts and seek professional advice where necessary. Any reliance placed on such information is strictly at the reader’s own risk.