The indian Cyber Crime Coordination Centre (I4C) under the Ministry of home Affairs has issued a critical warning about a new eSIM fraud that has the potential to drain bank accounts without OTPs or ATM access. Here’s what you need to know and how to stay protected.
1. What Is the eSIM Scam?
The scam exploits the eSIM technology, which allows mobile numbers to be converted from a physical SIM to an embedded SIM. Fraudsters trick users into activating a fake eSIM, which transfers all calls and messages—including bank OTPs—to the criminals.
Key Risk:
Money can be withdrawn from bank accounts without physical cards or OTP interception.
In one reported case, Rs 4 lakh was stolen from a single victim using this method.
2. How the Fraud Works
I4C explains the process in a few alarming steps:
Initial Contact: Fraudsters call the victim and send a fake eSIM activation link.
Activation Trap: Clicking the link converts the physical SIM into an eSIM controlled by the scammer.
Loss of Network: The victim’s phone stops receiving calls or messages, effectively cutting them off.
OTP Hijack: All bank OTPs and verification messages are redirected to the criminals’ eSIM.
Bank Theft: Fraudsters complete transactions and steal money silently.
3. red Flags to watch For
Mobile users are advised to be alert for these warning signs:
Calls or messages from unknown numbers claiming to be your telecom provider.
Unexpected network loss on your phone.
SMS or bank alerts not reaching your device.
Tip: Any of these could indicate a possible eSIM takeover attempt.
4. How to Stay Safe
I4C recommends the following precautions to protect yourself:
Ignore Unknown Links: Never click on eSIM activation links from unsolicited calls or messages.
Official Channels Only: Initiate any SIM or eSIM updates through your telecom provider directly.
Act Quickly: If your phone suddenly loses network signals, immediately contact your bank and service provider.
Enable Two-Factor Authentication: Use banking apps and services with additional security layers beyond SMS OTPs.
5. Why the Threat Is Rising
The popularity of digital transactions and the growing number of smartphone users have made such frauds more common. I4C was set up in 2020 to monitor and prevent cybercrimes, but evolving scams like eSIM theft show the importance of constant vigilance.
Key Insight: With just one click, fraudsters can bypass traditional banking protections, making awareness your best defense.
6. Bottom Line
The new eSIM scam is a serious threat to mobile users in India. Being cautious with unknown links, verifying all telecom updates through official channels, and acting immediately if your phone loses network connectivity can save you from heavy financial loss.
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