Yogesh K Porwar
Posing a executive of a nationalized bank,cyber fraudster cheated a 73-year-old man with KYC update and made away with Rs.25 lakh on Tuesday.
After struggling to save his money,the victim made futile attempt to approach the bank to get his account freeze but the bank denied his request citing that the order had to come from the head office .
After wasting three days of his time,the victim approached the East Division Cyber Crime Police , seeking help to get back his savings.
Elaborating on the incident,the victim a resident of CV Raman nagar and living with his ailing wife and mother in law,said that the accused posing as Rahul Sharma, posing as bank executive called me offering to help on my KYC update .
The caller stated that he was assisting me in downloading the life certificate and completing KYC formalities for my pension account.
Following his instructions,victim was asked to install an application file named “BOI Pension Life Certificate Update.apk.”
After installing the file,he was prompted to share certain personal and KYC details,The victim said that he followed the instructions in good faith believing it to be a genuine request from the bank.
Subsequently,on 8th October 2025,between 2:05 a.m. and 2:18 a.m,he received multiple emails from Ho.boiomni@bankofindia.co.in stating that a new beneficiaries created,life certificate updated and he immediately contacted Bank of India Customer Care to verify the authenticity and ensure the safety of my account.
The representative assured me that my account was secure and advised me not to share any OTP or password with anyone.
Considering the risk of unauthorized access,he specifically requested that my account be frozen as a precautionary measure, but was informed that such an action could only be initiated through my home branch, victim said in his complaint .
On the same day evening at around 7:30 a.m,he began receiving debit notifications for 5 multiple high-value
IMPS transactions,each of Rs.5,00,000, cumulatively amounting to Rs.25,00,000.
He immediately contacted customer care once again, pleading for his account to be frozen.However,he was given the same response—that only the home branch could take such action.
“Given that the branch operates from around 9:30–10:00 a.m,there was no means to protect my account during those critical early morning hours,which constitutes a serious operational lapse on the bank’s part”,he said in his complaint.
“As a 74-year-old senior citizen,I am deeply distressed by this incident.I am also the sole caretaker of my dependent wife (aged 64)and elderly mother-in-law (aged 86).
I suffer from high blood pressure,and the trauma caused by this event has significantly impacted my health and peace of mind”,he added
The Cyber Crime East Division Police on Friday,based on the complaint registered an FIR charging the accused under section 66 (Computer related offences) ,43 (damage to computer, computer system) 66(c) (identity theft by punishing those who fraudulently or dishonestly use another person’s electronic signature, password,or any other unique identification feature) 66(d) (“cheating by personation) of IT Act and also under section 318(4) (cheating and dishonestly inducing delivery of property) of BNS,for further investigation.
The police have asked the bank officials concerned to share the transaction details for further investigation.
