• New Method of Cyber Fraud: Bank Accounts Can Be Emptied Without OTP or Card – How to Protect Yourself

Cybercriminals are using new methods to deceive people. Fraud can occur even without OTP or your card. A recent case of such cyber fraud has come to light, where the victim’s account was emptied.

New Method of Cyber Fraud: Bank Accounts Can Be Emptied Without OTP or Card – How to Protect Yourself

A case of cyber fraud has emerged where money can be withdrawn from your account without OTP or card. Criminals are finding new ways to deceive people, and ordinary individuals are often unaware. One such case was reported from Jharkhand, where 10,000 rupees were withdrawn from an elderly woman’s account.

According to the report, fraudsters in Garhwa district, Jharkhand, deceived the woman under the pretext of providing benefits from the PM Kisan scheme. They scanned her eyes and withdrew nearly 10,000 rupees from her account. When the woman went to withdraw money from her bank account the next day, she discovered that the money had been taken.

How Did the Fraud Occur?

Nowadays, all bank accounts are linked to your Aadhaar card. Due to this linkage, anyone can withdraw money from their account using biometric authentication (fingerprint or iris scan). However, banks have set a limit for this. The criminals deceived the woman in the name of the Kisan scheme. They located her bank account using her Aadhaar number and then, without her knowledge, scanned her eyes to withdraw money from the account.

How to Avoid It?

Your vigilance is crucial to avoid any fraud. Do not share your personal documents, especially your Aadhaar card, with anyone. If you need to provide your Aadhaar card somewhere, you should use a virtual Aadhaar number. For this, you must visit the UIDAI website and generate a virtual Aadhaar number. Additionally, you can lock your card’s biometric authentication. However, in such cases, you will need to unlock it when necessary. Afterward, it must be locked again.

Furthermore, you should not fall for any temptations. Cybercriminals use social engineering to deceive people. Individuals are lured with promises of rewards, gifts, government schemes, etc., and then defrauded.

Aadhaar card

An Aadhaar card is not a physical place or cultural site, but a government-issued biometric identity document in India. It was established in 2009 by the Unique Identification Authority of India (UIDAI) to provide a unique 12-digit number to every resident. The program’s history is rooted in efforts to streamline welfare services and reduce fraud by creating a verifiable digital identity.

PM Kisan scheme

The PM Kisan scheme is not a physical place or cultural site, but a significant Indian government welfare initiative. Launched in December 2018, its purpose is to provide direct income support of ₹6,000 per year to all eligible landholding farmer families across the country. The scheme is a central pillar of the government’s efforts to augment the financial needs of farmers and ensure their prosperity.

Kisan scheme

The Kisan scheme is not a physical place or cultural site, but a government initiative. It refers to the Pradhan Mantri Kisan Samman Nidhi (PM-KISAN), a program launched by the Government of India in 2019. Its purpose is to provide financial assistance to small and marginal farmers by offering direct income support.

UIDAI website

The UIDAI (Unique Identification Authority of India) website is the official portal for India’s Aadhaar program, the world’s largest biometric ID system. It was established in 2009 by the Government of India to provide residents with a unique 12-digit identification number. The website serves as a central hub for enrollment, authentication, and managing Aadhaar services online.

Garhwa district

Garhwa is a district in the Indian state of Jharkhand, historically part of the Palamu division. Its history is deeply intertwined with the region’s ancient rulers, including the Chero dynasty, and it is known for its numerous historical temples and archaeological sites that reflect its rich past.

Jharkhand

Jharkhand is a state in eastern India, established on November 15, 2000, after being carved out of the southern part of Bihar to address the long-standing demands of its tribal communities for autonomy. The region is historically significant as the ancient land of the Munda, Oraon, and Santhal tribes and is rich in mineral resources. It is also known for its lush forests, waterfalls, and vibrant tribal culture and festivals.