The National Payments Corporation of India (NPCI) has sounded the alarm about a growing threat to digital payment users: the “Digital Arrest” scam. This scheme involves cybercriminals posing as government officials to intimidate individuals into transferring money or revealing sensitive information. NPCI has provided detailed guidance on how to recognize and avoid falling victim to such scams.
“Digital payments are now available across the country, driving India towards a digital-first economy. They offer both security and convenience. However, it is crucial to use digital payments safely and avoid online fraud. Early identification of potential fraud helps protect you and your loved ones, promoting a safer, less cash economy, for everyone.”
“Digital arrest” fraud is a sophisticated form of cyber fraud. Impersonating law enforcement or financial regulators, scammers use fear tactics and false accusations to pressure victims into paying money or sharing sensitive details.
Common tactics used by fraudsters
Impersonation of officials: Fraudsters may claim to be from agencies such as the police, the Central Bureau of Investigation (CBI), or the Income Tax Department, alleging the victim’s involvement in crimes such as money laundering or tax evasion.
Fear-based manipulation: Fraudsters use alarming language and often demand immediate action and threaten arrest. They can use video calls while dressed as officers or create a police station-like setup for authenticity.
Request for money or personal information: Victims are asked to transfer money to “clear their name” or provide confidential information under the guise of assisting in an investigation.
How to identify and avoid the scam
The NPCI recommends the following steps to protect yourself:
Treat any unexpected calls or messages from people claiming to be officials with caution. Independently verify their claims before responding.
Scammers rely on fear and urgency to manipulate victims. Avoid making hasty decisions and take time to verify the authenticity of the situation.
No legitimate agency will ask for personal information, payments or account details over the phone or via video call.
Report suspicious activity: If you suspect a scam, report the phone number or details to the National Cybercrime Helpline by calling 1930 or visiting the Department of Telecommunications website (
