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How My Relative Was Tricked by a Fake Kisan Subsidy Scam (Full Story)

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goto police station and lodge complaint with the address/number you have. I don't have hopes but still good to give these guys some heat
credit_noob said:
Today afternoon, I received an OTP for a ₹14,499 transaction on my HSBC credit card via Amazon.
This raised an immediate red flag — I rarely use this card, and only one relative occasionally uses it for discounts. He isn’t educated and doesn’t read English.


I called him right away and asked if he had requested an OTP.
He said no — he was out ploughing the field and had been receiving nonstop messages from the bank. Alarmed, he started walking home to show his phone to someone who could understand them.


Later, he did a video call with me and shared his screen. That’s when the full picture became clear.


A hacker had sent an APK file via WhatsApp disguised as a “Kisan Subsidy” app, promising ₹2,000 upon registration. My brother believed it and installed the app.


After installation:


  • The malware read and forwarded OTPs automatically.
  • The scammer logged into Flipkart using OTP, added multiple gift cards (₹5K, ₹5K, ₹10K, ₹1K, ₹3K, ₹100) and a ₹15K mobile to the cart.
  • He used saved card details and OTPs to try and pay.
  • he add his mail id as gift card delivery
  • He also entered his own name, mobile number, and delivery address.

First, he tried my brother’s Axis Bank credit card, but it failed due to the per-transaction limit.
Then he attempted to use my HSBC card, which is how I received the OTP.


I immediately contacted Flipkart and asked them to block gift card deliveries, but by the time the call was underway, the gift cards were already delivered.


I then logged into my brother’s Amazon account:


  • Canceled all pending orders.
  • Logged out all devices.
  • We also performed a factory reset on his mobile phone.

Now, we have critical information about the scammer:


  • ✅ Name: RAHUL KUMAR
  • ✅ Mobile number: 90282 99638
  • ✅ Delivery address:
  • Rahul
  • Gande khori mahuwa
  • Khori mahuwa
  • DEOGHAR, JHARKHAND 815312
  • India
  • ✅ Gift card details 5K+5K+100 INR FLIPKART
  • ✅email id: jujumuha8809@gmail.com
  • Total loss my brother incurred 10100 inr
  • kindly suggest the action and incase of any extra data required let me know
Click to expand...
goto police station and lodge complaint with the address/number you have. I don't have hopes but still good to give these guys some heat.
 
Here’s a summary of the losses and attempted fraud:

Axis Bank Credit Card:
Safe – All transactions failed due to low per-transaction limit.

HSBC Credit Card (mine):
Safe – I received the OTP and blocked the transaction in time.

SBI Bank Account/Card:
Safe – Thankfully, his life savings were untouched.

OneCard (Indian Bank):
Hacked – ₹10,100 successfully stolen via Flipkart gift cards.
 

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RadTheCrab said:
Hacked? How? Was the card enabled for online transactions or did the scammer somehow enable it?
Click to expand...
My relative is illiterate, but I had enabled online transactions for him so he could order groceries and essentials on his own.


His mobile usage is based on button-press imitation like click red botton click plus button like this way.
hacker done work purely based on app sending otp to his mobile even i bring device offline(no internet) still otps going to his mobile number but everytime he sending one sms to number within second apk sending reply via sms.. i am unable to find that app in app list to disable so done factory reset
 
credit_noob said:
My relative is illiterate, but I had enabled online transactions for him so he could order groceries and essentials on his own.


His mobile usage is based on button-press imitation like click red botton click plus button like this way.
hacker done work purely based on app sending otp to his mobile even i bring device offline(no internet) still otps going to his mobile number but everytime he sending one sms to number within second apk sending reply via sms.. i am unable to find that app in app list to disable so done factory reset
Click to expand...
Got it. That's sad. But you did the right thing by factory resetting the phone.

Since the transactions were made using a credit card, it’s in your best interest to report them to the card issuer as soon as possible. If you act before the transactions are settled, there's a better chance the dispute will be resolved in your favor. Having an FIR will also strengthen your case.
 
A relative of mine faced a similar incident and lost ₹1 lakh.

I bet you, we can't do anything—literally nothing. I emailed the SP, IG, and cybercrime State Head, DMed on X, and even submitted a physical application. Nothing has happened till date.

If it had been a physical order, Flipkart can cancel once u email them.
 
Anupama_Jha said:
A relative of mine faced a similar incident and lost ₹1 lakh.

I bet you, we can't do anything—literally nothing. I emailed the SP, IG, and cybercrime State Head, DMed on X, and even submitted a physical application. Nothing has happened till date.

If it had been a physical order, Flipkart can cancel once u email them.
Click to expand...
order was showing pending.. i called care the lady asking one question after reply she saying i will get back to you and keeping on hold this process continue for another 25 min and order showing delivered. if she blocked those 2 order when i called instead of asking to many question it wont happen. check timings in screenshot
 

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credit_noob said:
order was showing pending.. i called care the lady asking one question after reply she saying i will get back to you and keeping on hold this process continue for another 25 min and order showing delivered. if she blocked those 2 order when i called instead of asking to many question it wont happen
Click to expand...
Don't worry bro, just taught him this incident as life-lesson. It's a minute loss (compared to daily volumes)
 
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