The rise of sophisticated online scams is a growing concern, with cybercriminals constantly devising new methods to deceive unsuspecting individuals. One such scam that has gained traction recently involves fake traffic challans sent via WhatsApp. These fraudulent messages can lead to significant financial losses, as illustrated by a recent incident involving a yoga teacher.

The Parivahan E-Challan scam typically begins with a WhatsApp message informing the recipient of a traffic violation and an associated fine. The message often includes a link to download an Android Package Kit (APK) file, disguised as the official mParivahan app or another legitimate-looking application. This is where the danger lies.

Once the user downloads and installs the APK file, the malware can compromise the device. It seeks permissions that allow it to access SMS messages, contacts, and banking details. In some cases, the app can even bypass One-Time Passwords (OTPs) using screen overlays, enabling fraudulent transactions without the victim's knowledge. Victims often realize they have been scammed only after money has disappeared from their accounts.

A yoga teacher in Bandra fell victim to a similar scam, losing ₹1 lakh after her relative's WhatsApp account was hacked. The teacher received a message from her relative's number, requesting an urgent transfer of money. Believing it to be a genuine request, she transferred the funds, only to later discover that her relative's account had been compromised.

Cybersecurity experts and law enforcement agencies have issued several advisories to warn the public about these scams. They emphasize that traffic authorities do not send violation alerts or payment links via WhatsApp. It is crucial to verify any traffic challan through official government websites like Parivahan Sewa or the mParivahan app available on the Google Play Store.

To protect yourself from falling victim to these scams, keep the following points in mind:

• Verify, Don't Just Click: Always verify the authenticity of any communication from official sources through their verified channels. Do not rely on messages received via WhatsApp or other social media platforms unless verified.
• Avoid Unknown Links and Downloads: Refrain from downloading apps or clicking on links from unknown sources. Official apps should only be downloaded from reputable app stores like Google Play or directly from the official website.
• Never Share Sensitive Information: Be wary of any message asking for personal or financial information, such as bank account numbers, credit/debit card details, or OTPs.
• Be Alert for Urgency: Scammers often create a sense of urgency to make people act without thinking. Be suspicious of messages demanding immediate payment or action.
• Report Suspicious Activity: If you receive a suspicious message, report it to the cybercrime helpline at 1930 or through the National Cyber Crime Reporting Portal: www.cybercrime.gov.in.
• Keep Your Devices Secure: Keep your device's operating system and security apps updated. Install and update antivirus/security apps on your phone.
• Golden Hour Action: If you suspect you have been targeted, immediately contact your bank to block transactions and report the incident to the authorities.

Awareness and vigilance are key to防禦 yourself against these types of cyber fraud. By following these guidelines and staying informed, you can significantly reduce your risk of becoming a victim.