Received a challan message on your mobile? Do not click. One tap could drain your bank account

Fraudulent messages claiming to be traffic challans are becoming increasingly common. Cybercriminals often present these communications in a way that makes them appear genuine, encouraging recipients to pay fines through links that can steal money or bank account information.

These frauds have become more sophisticated, and even cautious and smart users might become victims if they are not vigilant.

A recent case highlights the growing danger of online fraud. A woman who had recently travelled received a message on her phone claiming that she had an unpaid traffic challan. Believing the message to be genuine, she clicked on the link, which showed a fine of ₹590. Since the amount appeared small and routine, she did not suspect anything. Instead of choosing IMPS, net banking, or UPI, she opted to pay using the credit card option.

However, within moments, she received a call from her bank alerting her about the transaction of ₹97,900. Realising that someone was attempting to defraud her, she immediately informed the bank that the transaction was not authorised by her. Acting quickly, the bank declined the transaction and blocked her card to prevent any further loss.

Authorities warn that such fraudulent messages, often disguised as official e-challan notices, are increasingly common. People are advised not to click on any unknown links, and to verify traffic challans only through official channels such as the Parivahan e-Challan portal or by directly contacting the traffic police or RTO.

Tips to stay safe from fake e-Challan messages:

• Never download APK files or attachments received via WhatsApp or SMS; government departments do not send application files directly.

• Always verify the challan details through official platforms.

• Report suspicious messages immediately to the cybercrime helpline (1930) or your nearest cyber police station.

This case emphasises the importance of alertness. Significant financial loss could result from a single instant of inattention. Users are advised to remain vigilant, double-check any messages before acting, and also share such information with friends and family about these kinds of scams so that they remain alert.