In short
An unknown person asks the victim to install or use a screen-sharing or SMS-forwarding app The objective is typically to expose OTPs, credentials or transaction details and enable unauthorized payments.
What it is
The request is framed as support, verification, refund, KYC or help with a payment. The victim is then pushed to grant screen access, SMS access or remote control while opening a banking/payment app.
How it starts
An unknown person asks the victim to install or use a screen-sharing or SMS-forwarding app.
What they tell you
The request is framed as support, verification, refund, KYC or help with a payment
What they want you to do
Grant screen access, SMS access or remote control while opening a banking/payment app
How you lose money
expose OTPs, credentials or transaction details and enable unauthorized payments
What happens next
After the first successful step, the fraudster may demand more money/information, deepen account or device access, or disappear.
Warning signs
trust | urgency | authority | screen sharing | remote access | SMS forwarding
Where this is documented
India — officially documented by an Indian authority/regulator
How to avoid it
Use only the bank/payment app or official contact details; never share OTP, PIN, password or screen access; verify the payee and transaction purpose before approving. Do not grant screen-sharing access to unknown callers.
If it already happened
Contact the bank/payment provider immediately if money moved; report financial cyber fraud promptly via 1930 and cybercrime.gov.in; preserve messages, transaction IDs, phone numbers and URLs.