People applying for government benefits are a common target for fraud. Knowing a few rules keeps your money and identity safe.
No one genuine will ask for these
- An OTP sent to your phone
- Your ATM PIN, UPI PIN, CVV or net-banking password
- Money to “release” a subsidy, loan or pension that has already been approved
- Remote access to your phone through a screen-sharing app
Warning signs
- A promise of guaranteed approval, or approval “in 24 hours”
- Pressure to pay immediately or lose the benefit
- Payment asked into a personal account or UPI ID
- Messages with links that are not government addresses
If you paid or shared details by mistake
- Call the national cyber-crime helpline 1930 as soon as possible.
- Tell your bank and ask it to block the card, account or UPI if needed.
- File a complaint at cybercrime.gov.in.
How YojanaAI works
Discovery and the eligibility check are free. We never ask for OTPs or bank credentials. If you choose paid help from a partner desk, the fee is told to you in writing before any work starts, and no one can promise that an application will be approved.