Loan App Scam in Delhi: How It Works & How to Stay Safe

Quick summary

• •How it works: Predatory apps offer instant loans, then harass and blackmail using your contacts and photos.
• •Warning sign: Loan approved with no checks
• •Warning sign: App demands contacts/gallery access
• •Warning sign: Threats and hidden charges
• •Do this: Use only RBI-regulated lenders

How the loan app scam works

• —Predatory apps offer instant loans, then harass and blackmail using your contacts and photos.
• —Reports involving Delhi follow the same pattern; the brand or location only changes the disguise.

Warning signs

• —Loan approved with no checks
• —App demands contacts/gallery access
• —Threats and hidden charges

How to protect yourself

• —Use only RBI-regulated lenders
• —Deny unnecessary app permissions
• —Report harassment to 1930 and cyber police

What to do if you are targeted

• —Stop — do not pay or share any OTP/PIN.
• —Call the cyber-fraud helpline 1930 within the golden hour.
• —File a report at cybercrime.gov.in with screenshots and transaction details.
• —Inform your bank to freeze/raise a dispute on the transaction.

Scam vs. legitimate: how to tell

Frequently asked questions

Official sources & helplines

• Cyber Crime Helpline 1930 — National cyber-fraud financial helpline — call within the "golden hour" to freeze fraudulent transfers.
• National Cyber Crime Reporting Portal — Official Government of India portal to report financial and other cybercrimes.
• RBI Sachet — Reserve Bank of India portal to report unauthorised entities and lending apps.