Government impersonation
Subsidy / PM scheme refund
Messages claim a pending government benefit and ask for e-KYC or a processing transfer.
Warning signs
- 01
An SMS says a subsidy, refund, or PM scheme credit is waiting.
- 02
The link is not a government domain you already use.
- 03
They ask for Aadhaar OTP, PAN, or a small “processing” transfer.
- 04
The message creates a same-day deadline.
- 05
No such credit appears when you check the official portal or your bank yourself.
A government benefit is not released by paying a fee or sharing an OTP on a link.