29 April 2025
3 Minutes Read

Be Alert: Safeguard Yourself Against Merge Call Scams

The rise of digital communication face many scams, fraudsters constantly develop new ways to deceive unsuspecting individuals. One of the tactic of them is Merge Call Fraud, here scammers tricking the customer into joining a call that will leads to unauthorised access or financial loss. In this blog, we explains you about this scam and the steps you can take to stay protected.  

Merge Call Fraud is a type of scam where fraudsters trick the customers by merging their calls allowing them to bypass security measures (OTP verification or voice authentication, etc.).  

As we said that the scam begins with a phone call from fraudster to the victim, they obtained their number from a mutual friend or relative of the victim. They gain trust by referring to job offers, sale or renting of property, purchase a new gadget or vehicle etc.  

The fraudster persuades the victim to merge the call with another incoming call, claiming it’s from a mutual friend or relative. And they believe that the call is from their friend/relative.  

The merged call is actually an authorized OTP verification call from the victim’s bank. The fraudster triggers an OTP request by initiating a transaction/service (eg., for account access, UPI transactions or SMS swap). The timing is carefully planned so that when the bank’s automated system requests the OTP, the victim’s phone automatically reads it aloud during the merged call. 

Since the call is already merged, the fraudster is able to hear the OTP. With the OTP in hand, the fraudster carries out unauthorized transactions, resulting in financial losses in the victim’s account.   

🔸 Ignore Unsolicited Calls: If you receive these types of calls, avoid engaging with the caller and disconnect the call immediately. Always remember never to merge calls with unknown numbers.  

🔸 Verify Official Contacts: Verify these calls by contacting your friend/relative who the fraudster claims to get your contact from. 

🔸 Enable Smart Lock: Lock your cards, Internet Banking, and UPI transactions.  

🔸 Never Share OTPs or PINs: Remember that bank never ask for OTPs or PINs over call or messages. Enable multi-factor authentication on accounts. 

🔸 Never share your personal information, such as your Credit Card number or UPI PIN, with anyone.  

🔸 Do not trust a call or an e-mail that asks for your personal information. 

🔸 Have a strong and unique password, that includes upper-case, lower-case letters, numbers and special characters.  

🔸 Always read communication sent by banks or financial institutions with fraud related information.  

🔸 If you receive a call or an e-mail asking for bank details for KYC/ReKYC or any other purpose, immediately visit the nearest Branch or call your Relationship Manager for assistance.  

If you’ve been targeted, reach out to the National Cyber Crime Helpline at cybercrime.gov.in or call 1930 for immediate assistance.  

Staying informed and alert is the first stage of defending Merge Call Fraud. Keep in mind that always verify unknown numbers, avoid sharing personal information and report suspicious activity immediately. Together we stay safe from fraudsters! 

Stay updated on the latest fraud trends and learn how to safeguard yourself. Visit Navia today for more tips and stay one step ahead of fraudsters! 

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