# Online safety cheat-sheet: ye 5 cheezein kisi ke saath share mat karo

> OTP, UPI PIN, card CVV + PIN, net banking password aur bank details ka rule, galti ho jaye to kya karna hai, aur caller ko kya bolna hai

Free guide by bloopcommits (@bloopcommits) · https://bloopcommits.pages.dev/safeshare/

Online fraud aksar ek call ya message se shuru hota hai: koi bank wala, KYC wala, recruiter ya 'agent' banke aata hai aur jaldi macha deta hai. RBI ki awareness campaign 'RBI Kehta Hai' aur NPCI ki safety tips ek hi baat dohrati hain: password, PIN, OTP, CVV aur card details kisi ko mat do. Ye guide un paanch cheezon ki list hai, har ek ke saath ek line ki wajah, aur ek template ki caller ko kya bolna hai. Ye advice hai, guarantee nahi: isse risk kam hota hai, par koi bhi tareeka 'poori safety' ka wada nahi karta.

> **Ek nazar mein: 5 cheezein jo kisi ko nahi deni**
>
> - 1. OTP
> - 2. UPI PIN (paisa receive karne ke liye PIN nahi lagta)
> - 3. Card ka CVV + card PIN (expiry ke saath)
> - 4. Net banking password
> - 5. Bank account / SIM / debit card kisi unverified recruiter ya 'agent' ko

## Har cheez kyun nahi deni

| Cheez | Kyun nahi | Yaad rakhne ki line |
| --- | --- | --- |
| OTP | NPCI ke hisaab se UPI PIN, OTP aur bank details confidential hain; koi bank, agency ya police wala unhe nahi maangta | OTP maange to samajh jao kuch gadbad hai |
| UPI PIN | PIN paisa bhejne ke liye hota hai. Paisa receive karne ke liye PIN nahi lagta; 'request' mein PIN maange to wo scam hai | Receive = no PIN |
| Card CVV + PIN (aur expiry) | RBI: card details, PIN, CVV kisi ke saath share mat karo; banks aur payment operators inhe nahi maangte | Card ke teeno hisse private |
| Net banking password | RBI: password kisi ko mat do; bank kabhi password nahi maangta | Na call par, na message mein |
| Bank account / SIM / debit card (recruiter ko) | Kuch scammers recruiter banke ye cheezein maangte hain (aam taur par ye scam hota hai). Unverified bande ko mat do | Recruiter ye maange to ruk jao |

## Caller ko kya bolna hai (template)

Jaldi macha rahe caller ke saamne bahas mat karo. Seedha, shaant tareeke se bolo aur call kaat do. Neeche ke templates apne hisaab se badal sakte ho (ye 'banaya hua example' hai).

- 'Main OTP / PIN kisi ko nahi deta. Main khud bank ki official app se baat kar lunga.' Phir call kaat do.
- 'Mujhe request mein PIN nahi daalna, receive karne ke liye PIN nahi lagta.' Request decline karo.
- Recruiter ke liye: 'Bank account, SIM ya debit card ki details main interview ya offer ke naam par nahi deta. Company ke official email / website se verify karke baat karunga.'
- Agar caller dara raha ho ('account band ho jayega', 'abhi karo'): ye jaldi macha kar sochne ka time khatam karne ki chaal hoti hai. Ruko.

## Agar galti ho gayi ho

1. Jitni jaldi ho sake helpline 1930 par call karo.
2. Ya National Cyber Crime Reporting Portal (cybercrime.gov.in) par complaint karo.
3. Apne bank ko bhi batao: bank ka number apni official app ya card par chhape number se lo, Google par mile random number se nahi (fake helpline numbers bhi hote hain).
4. Jo bhi hua uske screenshots, transaction details aur message / call details save rakho, complaint mein kaam aate hain.
5. Bank se poochho ki jo cheez share hui (password, card, PIN) uske liye ab kya karna hai, aur bank jo process bataye wo follow karo.

> **Dhyan rakho**
>
> - Ye advice hai, guarantee nahi.
> - Rules, helpline aur processes badalti rehti hain: complaint karte waqt cybercrime.gov.in par current details dekho.
> - Fake helpline numbers hote hain: bank ka number sirf official app ya card se lo.

## Roz ki 6-point checklist

1. OTP, UPI PIN, CVV, card PIN aur password kisi ko nahi: na dost, na 'bank wala', na 'police wala'.
2. Request mein PIN maange to decline: receive karne ke liye PIN nahi lagta.
3. Recruiter bank account / SIM / debit card maange to ruk jao aur company ko official channel se verify karo.
4. Koi jaldi macha raha ho to call kaato; bank ki official app se khud baat karo.
5. Bank ka helpline sirf official app ya card se lo.
6. Galti ho jaye to 1930 ya cybercrime portal, aur bank ko bhi batao.

## Official links

- [RBI: safe use of digital transactions (RBI Kehta Hai awareness press release)](https://www.rbi.org.in)
- [National Cyber Crime Reporting Portal (complaint, helpline 1930)](https://cybercrime.gov.in)
- [NPCI: UPI safety tips](https://www.npci.org.in)

---
More free guides: https://bloopcommits.pages.dev/