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In India, impersonation-led fraud is now one of the most common ways people lose money. Nearly 1 in 2 cyber fraud cases involve someone pretending to be a bank official, regulator, or authority. The losses run into thousands of crores every year. What makes this dangerous isn’t technology. It’s psychology. The call creates urgency, then offers relief: “We’ve detected an issue. Do this now, and your money stays protected.” That’s the trap. The moment a call asks you to move your money to save it,
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