Understanding Text Message Scams and Key Warning Indicators to Recognize

Text message scams, often referred to as SMS scams or ‘smishing’ (SMS phishing), have emerged as one of the most prevalent types of online fraud.

Cybercriminals frequently pose as banks, courier services, government agencies, or well-known brands.

They typically entice victims into clicking on harmful links, downloading counterfeit apps, or disclosing banking credentials, OTPs, and UPI PINs.

The National Payments Corporation of India (NPCI) has been intensifying awareness initiatives on digital safety, cautioning individuals about text message scams aimed at stealing sensitive financial and personal data.Types of text message scams

Some of the most prevalent SMS scams consist of:

• Banking and KYC scams: Fraudulent messages requesting users to update their KYC information or confirm bank account details.
• Delivery scams: Notifications stating a parcel is delayed and requesting a small delivery fee.
• Impersonation scams: Scammers acting as officials from agencies such as the Income Tax Department or other governmental organizations.
• Lottery scams: Messages claiming you’ve won cash or luxurious items and asking for a processing fee.
• Job scams: Spurious job offers or investment schemes that promise unrealistic returns.

Warning signs to look out for

Many scam messages exhibit common warning signs, including:

• Urgent requests for immediate action.
• Links that do not correspond to official websites.
• Requests for OTPs, passwords, or banking information.
• Poor grammar or spelling errors.
• Messages originating from unknown or dubious phone numbers.
• Promises that seem too good to be true.

ALSO READ | How a ₹70,500 complaint exposed a ₹64 cr cyber scam, inside India’s fake APK factoryHow to stay safe

• Never click on dubious links received in text messages.
• Do not share OTPs, PINs, passwords, or CVV numbers with anyone, including bank representatives.
• Verify messages by reaching out to the organization through its official website or customer support.
• Avoid downloading apps from links provided in SMS.
• Enable the spam protection features available on your smartphone.
• Report suspicious messages to the National Cyber Crime Reporting Portal (cybercrime.gov.in) or by calling the National Cyber Crime Helpline (1930).