New Delhi, September 24, 2025 – In a shocking case of cyber fraud, a 70-year-old retired banker, Naresh Malhotra, was duped of nearly ₹230 million (₹23 crore) in a “digital arrest” scam. The elaborate fraud involved multiple impersonations, fake police IDs, forged Supreme Court orders, and psychological manipulation that left the victim terrified and isolated.

This incident highlights how cybercriminals are using sophisticated tactics to target vulnerable citizens, exploiting their fear of law enforcement and authority.

How the Fraud Began

The ordeal started when Malhotra received a phone call from a woman who introduced herself as an Airtel representative. She claimed his mobile number had been misused by terrorists and linked to multiple bank accounts opened in Mumbai under his name.

The caller added that Malhotra’s activities were under surveillance by the National Investigation Agency (NIA) and the Enforcement Directorate (ED). She threatened that if he failed to cooperate, he could be arrested.

To build credibility, the fraudsters soon arranged video calls with impostors posing as Mumbai Police officials. During these calls, they displayed fake police IDs, fabricated charge sheets, and documents designed to scare Malhotra into compliance.

The Tactics of Fear and Isolation

The scammers warned Malhotra not to speak to anyone, claiming he was under constant monitoring. They ordered him to liquidate his assets, sell his shares, and transfer money to accounts they provided.

Over the course of several weeks, Malhotra followed their instructions and transferred nearly ₹23 crore into fraudulent accounts. Each payment was framed as a “security measure” to prove his innocence.

Later, the criminals escalated the deception by claiming that his case had been transferred to the Enforcement Directorate and eventually to the Supreme Court of India. They even sent him forged court orders bearing the fake signature of the Chief Justice of India, demanding further payments.

When the scammers pressured him to transfer an additional ₹5 crore, Malhotra refused. Realizing the magnitude of the fraud, he finally confided in his family and approached the police to file a formal complaint.

What Is a “Digital Arrest” Scam?

The digital arrest scam is a growing cybercrime trend in India. In such cases:

• Fraudsters impersonate police, NIA, ED, or other authorities.

• Victims are told they are implicated in serious crimes such as terrorism, money laundering, or illegal transactions.

• Scammers use fake video calls, IDs, and legal documents to appear authentic.

• Victims are psychologically manipulated, isolated, and coerced into transferring large sums of money.

This method preys heavily on fear and the respect citizens have for law enforcement and the judiciary.

The Bigger Picture: Rising Cybercrime in India

Cyber experts warn that India is witnessing an alarming rise in high-value frauds, especially against senior citizens and financially well-off individuals. Fraudsters are increasingly using advanced tactics like caller ID spoofing, AI-generated voices, and forged documents.

In recent months, multiple high-profile cases have surfaced where politicians, celebrities, and business families were targeted. Experts say these scams not only cause massive financial losses but also result in emotional trauma for victims.

Police and Cyber Experts Urge Vigilance

Authorities have urged people to stay vigilant and adopt the following safety measures:

• Never trust unsolicited calls claiming to be from police, NIA, ED, or telecom operators.

• Verify through official channels before responding to threats or requests for money.

• Do not share personal or financial details with strangers over phone or video calls.

• Report immediately to the Cyber Crime Helpline (1930) or through the National Cyber Crime Reporting Portal.

A senior cybercrime officer said, “These criminals are experts in creating panic. The only way to stop them is to remain calm, verify their claims, and report immediately.”

A Costly Lesson for All

Naresh Malhotra’s case serves as a grim reminder of how even educated and financially experienced individuals can fall victim to cyber fraud. By exploiting fear of authority, criminals managed to siphon off one of the largest amounts ever reported in a single cyber scam in India.

As investigations continue, the case underscores the urgent need for stronger awareness campaigns, tighter digital regulations, and faster coordination between banks, telecom operators, and law enforcement agencies to protect citizens from such devastating crimes.