I got a call from a person named karan sharma pretending to be from sbi card nodal officer from +91 9508189953 on 24/11/2025. He called me by mentioning about the mail which I sent on 22nd November 2025 with nodal officer of sbi cards. I already sent a mail to nodal officer of sbi credit card on 22/11/2025 via mail related to the sbi BPCL card concern. So this fraud person informed me that he called me based on the mail received from my end on 22/11/2025.
Regarding the concern which I sent to nodal, he asked me which resolution I want, whether the fee Reversal or converting the card to sbi BPCL octane Lifetime free . So regarding the conversion to sbi BPCL octane lifetime free of my SBI BPCL normal card he asked me to do some procedures in official sbi portal on" https://crcf.bank.sbi/ccf" by raising the request by mentioning my concern related to the conversion of my sbi card to Lifetime free .He told me to enter the complaint as it infomed by him as" I am raising a request to upgrade my sbi BPCL rupay card ending with XXXX under the ltf mode as per bank records. Kindly accept the enach for SBI BPCL octane rupay variant as LTF with reference id XYZX( IMT sms code for Cash withdrawal) /24/11/2025 ( date)".
He created this thread just to get the IMT sms code only . He asked me to do a transaction in sbi yono app or any other bank account to get this reference id. IMT(Instant Money Transfer)sms code along with the date as made me belief that it was a reference id .
He asked me to open AXIS MOBILE app --> payment & transfer ---> IMT. He asked me to register the payee as myself by using my mobile number. He Asked me to set Transaction pin as the last 4 digit of the concerned sbi card which was already known by him at the time of placing this IMT request in axis mobile app. He asked me to do a 5000 transaction in my axis Bank savings account under IMT Instant money transfer. And informed me the amount will transfer within you as you already registered your number as the payee only. I trusted him .
So using the IMT sms code received and shared with the discription in sbi bank official portal and using Transaction pin , the fraud person can easily withdraw the 5000 from any RBL ,Axis Bank ,Bank of India Kotak ,PNB ATMs as mentioned in IMT sms message received . He told me that the 5000 will be held as lien in sbi credit card and post converting the card to sbi BPCL rupay octane variant the amount will be credited back. But he already got the sms code to withdraw the money. He disconnected the call I called immediately on the number. But it was switched off. Then I came to know that I am a victim of a fraud.
Then I immediately called axis Bank on same day 24th November 2025 and registered a fraud complaint. And called cyber crime portal and registered the complaint for the same. Also registered a complaint with sbi card. Bank today closed the complaint by stating that it's a secured transaction done from my end and the responsibility on me only. I just got surprised how intelligently he took the IMT SMS code from me. By asking me to read the whole content in the sbi portal before submitting. So he could get the IMT code. Very smart approch where no traces of account transfer to any other, There is no ATM withdrawal using their account. Simply enter the code and get the cash. Saala ..!!!! I took his address which is fake and today the mobile number was out of service.
Be very very careful. I really surprised how that rascal got my mail content details which I sent to nodal officer directly?? Any sbi cards information breach?? How he got my mobile number by stating the issue .
He might be a person in this community also. So be careful while sharing any single piece of personal information in public...!!!
Any hope from sbi card end??? From cyber cell?
Regarding the concern which I sent to nodal, he asked me which resolution I want, whether the fee Reversal or converting the card to sbi BPCL octane Lifetime free . So regarding the conversion to sbi BPCL octane lifetime free of my SBI BPCL normal card he asked me to do some procedures in official sbi portal on" https://crcf.bank.sbi/ccf" by raising the request by mentioning my concern related to the conversion of my sbi card to Lifetime free .He told me to enter the complaint as it infomed by him as" I am raising a request to upgrade my sbi BPCL rupay card ending with XXXX under the ltf mode as per bank records. Kindly accept the enach for SBI BPCL octane rupay variant as LTF with reference id XYZX( IMT sms code for Cash withdrawal) /24/11/2025 ( date)".
He created this thread just to get the IMT sms code only . He asked me to do a transaction in sbi yono app or any other bank account to get this reference id. IMT(Instant Money Transfer)sms code along with the date as made me belief that it was a reference id .
He asked me to open AXIS MOBILE app --> payment & transfer ---> IMT. He asked me to register the payee as myself by using my mobile number. He Asked me to set Transaction pin as the last 4 digit of the concerned sbi card which was already known by him at the time of placing this IMT request in axis mobile app. He asked me to do a 5000 transaction in my axis Bank savings account under IMT Instant money transfer. And informed me the amount will transfer within you as you already registered your number as the payee only. I trusted him .
So using the IMT sms code received and shared with the discription in sbi bank official portal and using Transaction pin , the fraud person can easily withdraw the 5000 from any RBL ,Axis Bank ,Bank of India Kotak ,PNB ATMs as mentioned in IMT sms message received . He told me that the 5000 will be held as lien in sbi credit card and post converting the card to sbi BPCL rupay octane variant the amount will be credited back. But he already got the sms code to withdraw the money. He disconnected the call I called immediately on the number. But it was switched off. Then I came to know that I am a victim of a fraud.
Then I immediately called axis Bank on same day 24th November 2025 and registered a fraud complaint. And called cyber crime portal and registered the complaint for the same. Also registered a complaint with sbi card. Bank today closed the complaint by stating that it's a secured transaction done from my end and the responsibility on me only. I just got surprised how intelligently he took the IMT SMS code from me. By asking me to read the whole content in the sbi portal before submitting. So he could get the IMT code. Very smart approch where no traces of account transfer to any other, There is no ATM withdrawal using their account. Simply enter the code and get the cash. Saala ..!!!! I took his address which is fake and today the mobile number was out of service.
Be very very careful. I really surprised how that rascal got my mail content details which I sent to nodal officer directly?? Any sbi cards information breach?? How he got my mobile number by stating the issue .
He might be a person in this community also. So be careful while sharing any single piece of personal information in public...!!!
Any hope from sbi card end??? From cyber cell?
