Digital Arrest Scam: The Script, Warning Signs and Defence

Current position in plain English

Use the Debt-to-Income and FOIR Calculator to work through the related inputs before acting.

Decision table

For the connected rule, example or next step, see SIM-Swap Fraud: Warning Signs, Immediate Steps and Bank Protection.

How to apply the rule

Use two tracks at the same time: containment and complaint. Containment blocks further access; the complaint creates a traceable record for banks, payment operators and investigators.

Never rely on a phone number supplied inside the suspicious message. Open the official app or type the institution’s website address independently.

A fast, accurate complaint is better than a dramatic allegation. State what was authorised, what was not, when the alert arrived, when the bank was informed and which credentials or devices may have been compromised.

For digital arrest scam India, first identify the legal or contractual relationship, then separate the amount, event and deadline. Use one chronology across the portal, institution and supporting records. This prevents a correct fact from being submitted under the wrong year, account, policy clause or complaint route.

Practical example

A caller claims a parcel in Kavita’s name contains narcotics and transfers the call to a fake police officer. He displays a forged warrant and asks her to move ₹7 lakh to an 'RBI audit account'. Kavita should disconnect, independently call local police or the agency, alert her bank and report the numbers and documents.

Action checklist

• End the video or call; do not negotiate.
• Do not share Aadhaar images, bank screens, OTPs or passwords.
• Contact a trusted person immediately.
• Verify with the alleged agency using its official website number.
• If paid, call the bank and 1930 immediately.
• Report at cybercrime.gov.in and preserve the fake documents.
• Secure email, SIM and device if screen access was granted.

Evidence and document checklist

• Phone numbers, user IDs and video-call details
• Fake warrant, FIR, identity card and account details
• Chats, emails, courier messages and recordings
• Bank UTRs and beneficiary information
• Remote-access app logs
• 1930, cybercrime and police acknowledgements

Common mistakes

• Continuing the call to 'prove innocence'
• Transferring a small test amount
• Using the callback number provided by the scammer
• Deleting embarrassing recordings
• Believing an official-looking letter without independent verification
• Allowing screen sharing or camera surveillance

Red flags

Escalation route

Financial loss should be reported to the bank, 1930 and the cybercrime portal without delay. Threats, impersonation and forged government records should be reported to local police/cyber police. Bank-service issues can follow the RBI grievance route.

When escalating, include the original complaint, acknowledgement, concise chronology, disputed amount, rule or clause relied upon and the exact relief requested. Do not send passwords, PINs, OTPs or unrelated identity documents.