Seekho Official
10 Mar 2025
As cyber threats become more advanced, governments around the world are stepping up their game to keep digital transactions safe. One of the most important tools they’re using? One-Time Passwords (OTPs). You’ve probably used them yourself for online Banking or shopping, but did you know that stricter OTP regulations are now in place to protect your personal data from cybercriminals?
These new rules are designed to make sure only you can access your accounts, stop phishing attacks in their tracks, and give you greater peace of mind when browsing or shopping online.
Inspired by Seekho’s detailed video on this topic, this blog explores how governments implement OTP regulations, their impact on cybersecurity, and what users need to know to stay protected.
Has someone ever innocently introduced themselves to you, but it turns out they were there to empty your bank account?
If not to you, this surely must have happened to someone you know. In 2024, lost over ₹11,000 crore to cyber scams.
Even if you have never been a victim of cybercrime, watching this video as a precaution is essential, as you never know when you can save someone from online fraud.
In this video, we will tell you all about cybercrime and the government’s regulations against it in detail.
So, welcome to Sarkari News.
Ever since the country has gone digital, online fraud cases have increased manifold. Even though digitalisation is no less than a blessing, it has still harmed many people in financial ways.
A One-Time Password (OTP) is a temporary code sent to a registered mobile number or email to authenticate a user's identity when completing forms or entering payment information.
For sensitive data submissions, such as personal information or payment details, the system generates a unique OTP, usually valid for a brief time. The user must enter this code to verify their identity and continue with the transaction.
OTP fraud occurs when scammers trick users into revealing their OTPs, allowing them unauthorised access to personal accounts.
Fraudsters often pose as bank officials, customer service agents, or delivery executives, claiming an urgent issue requiring OTP verification.
Through phishing calls, fake websites, or deceptive messages, they convince users to share their OTP, which is then used to access bank accounts, make fraudulent transactions, or steal sensitive data.
These frauds are also committed with innocent victims in the name of KYC.
To save yourself from this, whenever someone calls you saying your bank account electricity connection has been closed, you instantly cut the call. No bank or government service gives you such calls.
If, even after cutting the call, the scammer continues bothering you, then contact your bank or get help from the police.
So, now, the government has become extremely strict about such frauds. According to the Indian Cybercrime Centre, over 10,000 crores have been embezzled from April 2021 to December 2023.
Many telecom companies have partnered with the Home Ministry to develop strategies to identify such fraudulent calls and take action against the perpetrators.
So, lastly, beware of unknown callers. Do not provide your details to anyone without corroboration, and keep watching Sarkari News for the latest updates!
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1. How do governments combat cybercrime?
Governments combat cybercrime through legislation, law enforcement agencies, international cooperation, cybersecurity frameworks, and public awareness campaigns.
2. What are the main laws addressing cybercrime?
Various countries have their own regulations, including the Computer Fraud and Abuse Act (CFAA) in the US, the General Data Protection Regulation (GDPR) in the EU, and the Computer Misuse Act in the UK.
3. How do international organisations help fight cybercrime?
Organisations like Interpol, Europol, and the United Nations facilitate cross-border cooperation, intelligence sharing, and coordinated cybercrime investigations.
4. How can businesses and individuals report cybercrime?
Governments provide dedicated platforms, such as the FBI’s Internet Crime Complaint Center (IC3) in the US and Action Fraud in the UK, where businesses and individuals can report cyber threats and attacks.
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