Today many of us use smartphones, social media, and online banking, but cybercriminals are also constantly coming up with new ways to trick people into sharing personal information. One of the most common methods they use is called social engineering. In simple terms, social engineering attacks happen when someone tries to deceive or manipulate you into revealing confidential information, such as your OTP, password, or bank account details.
With more Indians using the internet for banking, shopping, and socializing, these attacks have become increasingly common. This week, we’ll learn how these attacks work, the latest ways to stay safe, and what tools and tips you can use to protect yourself.
What is Social Engineering?
Social engineering is a method of tricking people into doing something or giving away sensitive information. The attackers don’t need to hack your computer or break into your system—they just manipulate you through messages, phone calls, or emails to get what they want.
Common Types of Social Engineering Attacks:
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Phishing: Cybercriminals send fake emails or messages that look like they come from a trusted source, such as your bank or a popular service like Paytm or WhatsApp. They might ask you to click on a link, download an attachment, or share your details.
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Vishing (Voice Phishing): Fraudsters call you, pretending to be from a legitimate organization, like your bank or a government agency. They may ask for your OTP, Aadhaar number, or banking details.
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Smishing (SMS Phishing): Scammers may send fraudulent SMS messages, often asking you to click on a link or call a number. Many people have received fake messages claiming to be from telecom operators, promising free data or cashback.
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Fake UPI or Payment Requests: With the rise of digital payment apps like Google Pay, PhonePe, and Paytm, scammers send fake UPI requests to trick you into transferring money. Remember, you only need to enter your PIN when sending money, not receiving it.
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Pretexting: Sometimes an attacker pretends to be someone trustworthy, like a customer care agent from your mobile service provider, asking you to share personal information under the guise of helping you resolve a problem.
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Baiting: Here, scammers offer something attractive, like free recharge or gifts, to lure you into clicking on malicious links or providing personal details.
How to Stay Safe from Social Engineering Attacks:
With cybercrime on the rise, you should stay cautious and protect yourself from these common scams. Here are some easy ways you can adopt to avoid falling victim to social engineering attacks:
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Don’t Share Personal Information Over Phone or Email:
- Banks, government offices, or legitimate companies will never ask for your password, OTP, or banking details over the phone, email, or SMS. Always verify the identity of the caller or sender before sharing any personal information.
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Be Skeptical of Suspicious Messages:
- Whether it’s an email, SMS, or WhatsApp message, don’t click on suspicious links. Always double-check the sender’s email address or phone number. If a deal or offer seems too good to be true, it probably is!
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Look Out for Fake UPI or Payment Requests:
- Never enter your UPI PIN for receiving money—only when sending it. Scammers often send fake “payment requests” to trick you into transferring funds. Double-check any such requests carefully.
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Enable Two-Factor Authentication (2FA):
- Activate 2FA on all your online accounts. This means even if someone gets your password, they won’t be able to log in without a second form of verification, like an OTP. Most Indian banks, along with apps like Google Pay and Paytm, support this feature.
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Use Secure Payment Platforms:
- Always use secure, well-known apps like Google Pay, PhonePe, or Paytm when making online transactions. Avoid unknown or suspicious apps for financial transactions, as they may compromise your personal information.
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Update Your Devices Regularly:
- Keep your smartphone, apps, and software up to date with the latest security patches to fix and reduce the risk of getting hacked due to known vulnerabilities.
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Install a Trusted Antivirus/Anti-Malware Program:
- Protect your devices by installing a trusted antivirus app that can detect and block malicious links and phishing attempts. Some popular solutions are Quick Heal, K7, and Avast for smartphones and computers.
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Report Suspicious Activity:
- If you receive a suspicious message or phone call, report it to the law enforcement authorities or cyber police. You can also alert your bank or the National Cyber Crime Reporting Portal (cybercrime.gov.in). The government is also working to increase public awareness about these scams.
Recent Technologies and Tools to Stay Safe:
Recent technologies and tools are making it easier to stay safe online. Email services like Gmail and Outlook now use AI-powered phishing detection to block phishing attempts before they reach your inbox. Similarly, popular payment apps such as Google Pay, PhonePe, and Paytm have fraud detection systems to monitor suspicious activity. Make sure to always use the latest versions of these apps.
The Indian Government also runs initiatives like Cyber Swachhta Kendra (csk.gov.in), which regularly shares updates on cybersecurity threats and how to stay safe. Additionally, using mobile security apps like Norton Mobile Security and Quick Heal can help detect malicious apps and phishing links on your smartphone.
Staying Safe Online: Easy Tips for Every Citizen Members
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Browse Securely: For safer browsing, you may consider using secure browsers like Edge*, Brave, or Google Chrome with privacy extensions to block malicious sites and ads.
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Always Question Unexpected Requests: Whether it’s a phone call or an SMS asking for sensitive information, stop and think before responding. Ask yourself, “Would a legitimate company ask for this?” and verify with official channels.
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Educate Yourself and Family Members: Share this information with your family and friends, especially elders who may not be as familiar with technology. The more informed we are, the safer we’ll be.
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Report Scams: If you encounter a suspicious call, message, or link, report it. Use the cybercrime reporting portals of the law enforcement agencies/cyber police or contact your bank to report fraud.
Always think twice before sharing personal information, clicking on unfamiliar links, or responding to suspicious messages. With the right knowledge and tools, you can protect yourself and your family from becoming victims of cybercrime.
Stay safe, stay aware, and always think before you act online.
Cybersecurity Team, Complaint Hub