Fri Feb 21 08:54:44 UTC 2025: ## New Cyber Scam Steals Money Without OTPs, Using Phishing Links and Call Merging

**New Delhi, India** – A new wave of cybercrime is sweeping the nation, targeting individuals through sophisticated phishing techniques that bypass traditional security measures like OTPs and ATM PINs. Criminals are sending messages containing malicious links disguised as communications from legitimate banks and businesses. Clicking these links allows immediate access to victims’ bank accounts, resulting in theft without the need for any further authentication.

The scam often leverages personal data obtained from various sources, tailoring messages to appear relevant to recent purchases. A recent example involved a 26-year-old New Delhi woman who narrowly avoided becoming a victim after receiving a fraudulent voucher offer following a laptop purchase. The message, containing inconsistencies that raised her suspicion, exposed the scam.

Authorities warn of several evolving tactics, including:

* **Phishing Links:** Malicious links embedded in text messages that appear to originate from banks or retailers.
* **Call Merging:** Fraudsters initiate two calls simultaneously, convincing the victim to merge them, allowing them to intercept OTPs.
* **APK and RAT Malware:** Hackers distribute malicious Android applications (APKs) and Remote Access Trojans (RATs) that grant remote control of victims’ devices. A recent case involved a police officer losing over ₹15.98 lakh after installing a fraudulent banking app.

Law enforcement advises the public to remain vigilant and take the following precautions:

* Be wary of unsolicited calls and messages.
* Never share sensitive personal or banking information with unknown contacts.
* Avoid clicking suspicious links, regardless of enticing offers.
* Refrain from installing apps from unverified sources.
* Verify the identity of callers through official channels before divulging information.

This new wave of cybercrime highlights the evolving tactics employed by criminals and the urgent need for increased digital literacy and awareness among the public. Authorities are urging citizens to exercise extreme caution when dealing with unsolicited communications and to report suspicious activity immediately.

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