Akhil Bhartiya Cyber Suraksha Sangathan (Regd.)
Regd. with Registrar of Society of NCT Delhi-Regd. No-287
Cyber Criminals se Suraksha, Digital India ki Raksha
अखिल भारतीय साइबर सुरक्षा संगठन (पंजी)
भारत की पहली साइबर क्राइम इन्वेस्टीगेशन एन जी ओ
ऑनलाइन रहें सतर्क, साइबर अपराध से रहें सुरक्षित
www.abcss.org Email: info@abcss.org
AMIT MALHOTRA
(Cyber Crime Investigation Specialist)
Founder Akhil Bhartiya Cyber Suraksha Sangathan
18 yrs experience in crime prevention, detection and investigation. Certified Ethical Hacker from Ec-Council. Certified Cyber Crime Investigator from Asian School of Cyber Laws. Presently working in the area of cyber crime investigation.
⚠️ Loan App Fraud Kaise Hota Hai
- Social media / SMS / WhatsApp par "Instant Loan" ke lure wale ads
- App install karte hi contacts, gallery, location ka access maangna
- Processing fee, GST, insurance ke naam par pehle paisa kaatna
- Loan amount se kam paisa dena (processing fee kaatkar)
- Bahut zyada interest rate (300–500% annual) lagana
- Repayment period bahut kam rakhna (7–15 din)
- Zara si deri par contacts ko abusive messages bhejana
- Victim ki morphed ya objectionable photos contacts ko bhejana
- Ek loan chukane ke liye doosri app se loan lene par majboor karna
- Loan chukane ke baavjood harassment jaari rakhna
✅ Loan App Fraud se Kaise Bachein
- Sirf RBI registered NBFCs ya banks se hi loan lein
- Kisi bhi app ko contacts / gallery / camera access dene se bachein
- Play Store / App Store par reviews aur ratings zaroor check karein
- App ki terms & conditions dhyan se padhein
- Processing fee pehle se maangne wali apps fraud hoti hain
- Unknown APK files phone mein install na karein
- SMS ya WhatsApp par aaye loan links par click na karein
- RBI ki SACHET portal par lender ko verify karein
- Loan lene se pehle interest rate aur EMI clearly samjhein
- Parivaar ko bhi in apps ke baare mein jagruk karein
Attractive Ad — "5 Minute Mein Loan, No Documents"
Facebook, Instagram, YouTube, WhatsApp aur SMS par "₹50,000 turant loan — koi CIBIL nahi dekhenge, koi document nahi chahiye, sirf Aadhaar kaafi" jaise lure wale ads aate hain. Paisa ki zaroorat mein phansa vyakti in par click karta hai.
App Install — Phone Ka Poora Access
App install hone par contacts, camera, gallery, microphone, location — sab kuch ka permission maanga jaata hai. Agar permission nahi di to loan nahi milega — aisa dara kar sab permissions le li jaati hain. Is ek galti se fraud gang ko aapka poora social network mil jaata hai.
Processing Fee / GST Ka Jhansa — Pehle Paisa Kaatna
Loan approve hone par bata jaata hai ki "processing fee ₹2,000", "GST ₹1,500", "insurance ₹1,000" — ye sab pehle katenge. Kaafi baar ye fees loan amount se kaatkar baki chhota amount milta hai. Kai cases mein paisa kaat kar loan milta hi nahi.
Bahut Zyada Interest + Bahut Kam Repayment Time
Jo thoda paisa milta hai uspar 30–50% monthly interest lag jaata hai. Repayment time sirf 7 ya 15 din hota hai. Itne kam time mein itna zyada paisa wapas karna lagbhag namuumkin hota hai. Aur ek baar deri hui — harassment shuru.
Harassment — Contacts Ko Abusive Messages
Recovery agents victim ke saved contacts — maa, baap, bhai, behen, boss, dost — ko call aur WhatsApp karte hain. "Aapka bete/dost chor hai, fraud hai" jaise abusive messages, aur kabhi kabhi morphed/edited photos bhi bhejte hain. Sharm aur darr mein victim paisa deta rehta hai.
Loan Chukane Par Bhi Nahi Rukti — Doosri App Ka Trap
Ek loan chukane par ye log bhagte nahin — belte hain doosri app se loan lo aur pehle ka bharo. Aise victim ek ke baad ek kai apps mein fans jaata hai. Kuch cases mein loan poora chukane ke baad bhi harassment jaari rehti hai.
Instant Loan App Fraud
Fake ya illegal instant loan apps jo bina documentation ke turant loan dene ka vaada karti hain. Phone ka full access le leti hain aur baad mein harassment, blackmail aur extortion ke liye is data ka istemal karti hain. Aksar Chinese operators dwara chalai jaati hain.
Processing Fee Fraud (Advance Fee Scam)
Loan approve kar diya jaata hai lekin kehte hain "GST/processing fee/insurance pehle bharni hogi." Paisa kaat liya jaata hai aur phir loan nahi milta, ya app band ho jaati hai. Pura paisa loot liya jaata hai bagair loan diye.
Recovery Harassment / Contact Bombing
Thodi si bhi deri hone par recovery agents victim ke poore contact list ko — parivaar, dost, colleagues — abusive, threatening messages aur calls se pareshan karte hain. Victim ko samaj mein sharminda karna hi inka weapon hota hai.
Morphing / Objectionable Photo Harassment
App ke zariye gallery se li gayi victim ki photos ko morph karke objectionable content banaaya jaata hai aur contacts ko bheja jaata hai. Kuch cases mein social media par bhi post kiya jaata hai victim ko dara-dhamkakar paisa vasool karne ke liye.
Debt Trap — Ek ke Baad Ek Loan
Ek loan chukane ke liye doosri app ka loan lene ko kaha jaata hai. Aisa karte karte victim kai illegal apps ka debtor ban jaata hai. Total debt asli loan se kai guna badh jaata hai aur victim financial aur mental dono roop se toot jaata hai.
Fake NBFC / Bank Impersonation
Kuch fraud apps khud ko kisi bade bank ya RBI-registered NBFC ka product batati hain — logo, naam sab copy hota hai. Victim vishwas karke loan leta hai lekin baad mein pata chalta hai ki wo app bilkul fake thi.
🚨 Agar Aap Loan App Fraud Ke Shikaar Ho Gaye Hain — Turant Yeh Karein
- Harassment ke darr se paisa mat dein — paisa dene se ye nahi rukenge
- Sabhhi messages, screenshots, call recordings save karein — ye evidence hai
- App uninstall karein aur phone ka permissions revoke karein
- National Cyber Helpline 1930 par turant call karein
- cybercrime.gov.in par online complaint darj karein
- Nazdeeki Cyber Crime Cell ya police station mein FIR karein
- RBI ka Sachet Portal (sachet.rbi.org.in) par bhi complaint karein
- Google Play par us app ko report karein — "Flag as inappropriate"
- Apne contacts ko bata dein taaki wo fraud calls/messages se confuse na hon
- Apne bank ko immediately inform karein agar account details share ki hain
📞 TURANT SAMPARK KAREIN — HELPLINE NUMBERS
IT Act Section 66C: Identity theft — kisi ki personal info ka istemal karke fraud — 3 saal ki saza + ₹1 lakh tak ka jurmana.
IT Act Section 66E: Privacy ka ullanghhan — contacts, photos ka bina consent istemal karna — 3 saal ki saza + ₹2 lakh tak ka jurmana.
IT Act Section 67: Morphed ya objectionable images online bhejana ya share karna — 5 saal ki saza + ₹10 lakh tak ka jurmana.
BNS Section 308 (Purana IPC 384) — Extortion: Dhamki dekar paisa vasool karna — 3 saal ki saza + jurmana.
BNS Section 318 (Purana IPC 420) — Cheating: Jhooth bol kar paisa lena — 7 saal ki saza + jurmana.
BNS Section 351 (Purana IPC 503/506) — Criminal Intimidation: Gaali-galoch, dhamki, recovery harassment — 2 se 7 saal ki saza.
RBI Digital Lending Guidelines (2022): Bina RBI registration ke digital lending illegal hai. Koi bhi app seedha loan nahi de sakti — sirf registered entities de sakti hain. Violation par heavy penalty aur criminal action.
State Money Lending Acts: Har state mein money lending ke liye license zaroori hai. Bina license ke zyada byaaj par paisa dena kanoon ke khilaf hai — apradhi ko saza aur license cancel hoti hai.
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