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NPCI has issued an online warning to alert users about a new scam. The scam, known as the call merging scam, involves fraudsters using a phone’s call merge feature to steal one-time passwords (OTPs) and commit financial fraud. In a post on microblogging site X (formerly Twitter), NPCI wrote, “Scammers are using call merging to trick you into revealing OTPs. Don’t fall for it! Stay alert and protect your money. Share this post to spread awareness!”
Understanding the Call Merging Scam
The scam begins with a call from scammers about an event or an opportunity, claiming they got the victim’s number from a friend, as explained in the post. They then request to merge the call with this “friend,” who is actually another fraudster. Once merged, the victim unknowingly connects to an OTP verification call from their bank. The scammer manipulates the user into revealing the OTP, enabling unauthorized transactions. “The moment OTP is shared, scammers complete the transaction, and your money is gone!”
Safety Precautions
NPCI has shared key precautions to avoid falling for this scam:
- Be cautious with call merging. Avoid merging calls with unknown numbers, especially from unfamiliar sources.
- Verify the caller’s identity. If someone claims to be from your bank, confirm their identity before sharing any information.
- Banks never request OTPs over calls. If someone asks for your OTP, it’s likely a scam.
- Report suspicious activity. If you receive an OTP for a transaction you didn’t initiate, call 1930 (the national cybercrime helpline) and inform your bank immediately.
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