Know how to spot an instant loan fraud

Quick Loans, Hidden Scams   Protect yourself from fake instant loan offers

Scammers often target people looking for quick loans by promising instant approval with minimal to no checks   Common Scam Tactics:   •   Scammers create fake loan apps or websites that appear legitimate   •   These offers usually come through phone calls, instant chat messages, SMSes or through social media   •   They ask for sensitive personal information such as bank details, Aadhaar numbers and other financial information   •   Demand Advance Fee or processing charge or security deposit for loan disbursal. They pressurise you to act immediately, claiming the offer to be time-bound. After the payment, they disappear   How to safeguard yourself   •   Unsolicited Offers: Be cautious of loan offers you receive unexpectedly via calls, e-mails or advertisements   •   Too Good to Be True: If the loan offer seems unusually easy with little paperwork or no credit checks, it’s likely a scam   •   Advance Fees: Genuine lenders never ask for upfront payments before disbursing a loan   •   Never share personal or financial details like DOB, OTPs,passwords, CVV numbers or bank details   Report   If you receive a suspicious loan offer, disconnect immediately and report it through official channels.   •   Report online fraud on the National Cyber Crime portal at cybercrime.gov.in, call the helpline number 1930 or call ICICI Bank helpline on 1800 2662   •   If you have received any malicious / phishing / suspicious e-mails or calls, please report these to Sanchar Saathi at sancharsaathi.gov.in and to ICICI Bank at antiphishing@icici.bank.in

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