New Two-Factor OTP System Launched in India to Protect Senior Citizens from Cyber Scams
बैशाख २४, २०८३ १७:१०
Kathmandu. In a move aimed at controlling rising cyber fraud targeting senior citizens, particularly “digital arrest” scams, the Haryana Police in India has introduced a Dual OTP (two-factor Authentication) system for financial transactions.
The new system adds an additional layer of security during banking transactions. Under this arrangement, the OTP will not be sent only to the account holder’s registered mobile number. Instead, the first OTP is delivered to the senior citizen’s phone, while a second OTP is simultaneously sent to a pre-registered trusted family member or close contact.
A transaction will be successful only after both OTPs are verified. Authorities say the measure is designed to prevent fraudsters from exploiting elderly citizens, who are often targeted through intimidation tactics such as impersonation of police or government officials and threats of “digital arrest” to force immediate money transfers.
Ajay Singhal, Director General of Police of Haryana, speaking to Indian media, said cybercriminals typically isolate victims psychologically and pressure them into making rushed financial decisions.
Describing the system as a “Safety Pause,” officials said the dual authentication mechanism allows family members to intervene if suspicious transactions occur, potentially stopping fraud before money is transferred.
According to Shibash Kabiraj, ADGP of Haryana Police, the initiative was not merely a technical upgrade but a practical safeguard that introduces family-level oversight for high-value transactions.
Developed by Haryana Police in collaboration with HDFC Bank, the system was initially tested in Gurgaon and Panchkula and has now been expanded to Faridabad, Nuh, and Palwal districts.
According to HDFC Bank’s nodal officer, Bipin Gupta, the service is currently operational in more than 50 bank branches, with plans underway for broader launch in coordination with other banks. Discussions have also been held with major financial institutions, including Axis Bank, ICICI Bank, and SBI Bank.
Official data indicates that in 2025 alone, around 2.5 million people in India were affected by cyber fraud, resulting in losses of approximately 25 billion US dollars. In response, the Reserve Bank of India has directed that from April 1, 2026, two-factor authentication will be mandatory for all digital payments.
Meanwhile, the Supreme Court of India, taking note of the seriousness of “digital arrest” scams, has allowed the Central Bureau of Investigation (CBI) to conduct nationwide investigations and coordinate with Interpol.
Cybersecurity experts have advised not to share OTPs, PINs, or personal banking details with anyone, and to be cautious of calls or messages claiming to be from government authorities demanding money. They also recommend immediately reporting suspected fraud to the police.
पछिल्लो अध्यावधिक: बैशाख २४, २०८३ १७:१०
