Dear Customer, Rs.10,00,000.00 credited to A/c XXXX1234 by NEFT from NEXUS FINSERV PVT LTD. Avl Bal: Rs.10,42,350.00.
You have never heard of Nexus Finserv. You did not request this transfer.
Step 2
Unknown number. You answer.
📞
Unknown Number
Incoming call
👨💼
Rahul — Nexus Finserv
"Our accountant transferred Rs.10 lakhs to the wrong account by mistake. That was your number. Please transfer it back to our company account — I will send you the account number and IFSC right now. My MD is furious and I need this resolved today."
👨💼
"Please transfer it back to this account. It was a mistake — we sent it to you by accident. My number is +91 98312 45670 if you need to confirm."
📋 Account Details — Nexus Finserv Pvt Ltd
Account NameNexus Finserv Pvt Ltd
Account No.004701832916
IFSC CodeHDFC0001247
BankHDFC Bank, Andheri West
AmountRs. 10,00,000.00
What do you do?
Step 3 — Outcome
You sent it back.
⚠ You were defrauded
💸
Tuesday, 11:50 AM
You do an NEFT transfer of Rs.10,00,000 to the account number Rahul sends you. He thanks you and hangs up.
❌
Wednesday
Rahul's number is switched off. Nexus Finserv has no registered office and no reachable contact.
📞
One month later
Your bank calls. A personal loan of Rs.10,00,000 was issued in your name using your Aadhaar and PAN. Your first EMI of Rs.22,400 is due in three days.
⚖️
Now
You are the borrower on record. You transferred the loan amount to the fraudster a month ago. Recovery is uncertain because every transaction was technically authorised by you.
What just happened
The loan was always yours. The fraudster used your identity to take it and then talked you into forwarding the money to them.
Step 3 — Outcome
You asked for verification.
✓ You slowed down in time
📄
11:50 AM
You ask for a formal letter. Rahul panics — "There is no time for paperwork."
📞
12:05 PM
You call your bank on their official number. They advise you not to return anything and place a hold on the amount.
🔍
12:30 PM
Bank confirms: a fraudulent loan was issued in your name. They begin the reversal and file a cybercrime complaint.
What made the difference
You introduced friction. Fraudsters rely on urgency. One request for paperwork exposed the entire scam.
Step 3 — Outcome
You hung up and called your bank.
✓ Correct response
📵
11:48 AM
You hang up and dial your bank's official number directly.
🔍
12:10 PM
Bank confirms a fraudulent loan in your name. They freeze the amount immediately.
✅
Same day
You file an FIR and dispute the loan with the credit bureau. Because the money never moved, recovery is straightforward.
Why this worked
You verified through your own channel, not theirs. That single step exposed the fraud before any damage was done.
Step 4
How the fraud is constructed.
Step 1
🪪
Your identity is obtained
Aadhaar, PAN, and date of birth from a data broker — enough to pass KYC.
Step 2
🏦
A loan is issued in your name
An instant lending app approves Rs.10 lakhs in hours and deposits it into your account.
Step 3
📞
You are pressured to return it
The "accidental transfer" story creates urgency and moral obligation.
Step 4
⚖️
You hold the debt
If you sent the money, every transaction was authorised — by you.
The rule: Never return an unknown transfer by sending money yourself. Call your bank's official number and ask for a bank-to-bank reversal. Any legitimate company will have a process for this.
Step 5
Three steps. Same day.
🔒
Do not touch the money
Leave it in your account and call your bank's official helpline to place a hold while they investigate.
📋
File a complaint immediately
Go to cybercrime.gov.in or call 1930, then file an FIR at your local police station.
📊
Check your credit report
Pull your CIBIL or Experian report. If a loan appears, dispute it with the bureau using your FIR. Do not pay any EMI on a loan you did not take.
Save this now: Your bank's official customer care number. In a scam call, the fraudster controls the conversation. When you hang up and call your bank yourself, the fraud has nowhere to go.