Know the red flags:
Links asking you to update KYC or verify account (usually fake banks never send these in SMS/WhatsApp).
QR codes claiming you’ll receive money (scanning actually authorizes a payment from your account).
Requests for OTP, PIN, or CVV.
Urgent threats like “account blocked.”
Screen-share requests for banking.
Set one family rule (write it):
“We never share OTP/PIN/CVV. We don’t click payment/KYC links from SMS/WhatsApp. No screen-share for banking.”
Pin it in the family group or stick it near the phone.
Save the helpline:
1930 (National Cybercrime Helpline) and cybercrime.gov.in. If money moves, call 1930 immediately, then inform your bank and file on the portal.
Read one scam red flag now: “Never click links in SMS or WhatsApp asking to update KYC.” Share this with one family member.
For banking tasks, avoid public Wi-Fi; sign out after.