The National Payments Corporation of India (NPCI) has sounded the alarm over a growing threat to digital payments users – the ‘Digital Arrest’ scam. In this scheme, cybercriminals pose as government officials to intimidate individuals into transferring money or disclosing sensitive information. NPCI has provided detailed guidelines on how to spot such scams and avoid falling victim to them.
“Digital payments are now accessible nationwide, driving India towards a digital-first economy. They offer both safety and convenience. However, using digital payments safely and avoiding online scams are crucial. Early identification of potential scams helps protect you and your loved ones, promoting a safer, less cash economy for all.”
The ‘Digital Arrest’ scam is an advanced form of cyber fraud. Scammers pose as law enforcement officers or financial regulators and use fear tactics and false accusations to pressure victims to pay money or share sensitive details.
Common tactics used by scammers
Impersonation of Public Officials: Fraudsters may claim to be from agencies such as the police, the Central Bureau of Investigation (CBI) or the Income Tax Department, and claim that the victim is involved in crimes such as money laundering or tax evasion.
Fear-based manipulation: Scammers use alarmist language, often demanding immediate action and threatening arrest. They can make video calls while dressed as officials, or create a police station-like setup for authenticity.
Requests for money or personal information: Victims are asked to transfer money to “clear their names” or to provide confidential information under the pretext of assisting in an investigation.
How to identify and avoid the scams
The NPCI recommends the following steps to protect yourself:
Treat unexpected phone calls or messages from persons claiming to be officials with caution. Independently verify their claims before responding.
Scammers rely on fear and urgency to manipulate victims. Avoid hasty decisions and take the time to verify the authenticity of the situation.
No legitimate entity will request personal information, payment or account information over the phone or via video calls.
Report suspicious activity: If you suspect a scam, report the phone number or details to the National Cybercrime Helpline by calling 1930 or visiting the Department of Telecommunications website (https://sancharsaathi.gov.in/sfc/ ).
