Domestic UPI Frauds: Finance Ministry Presented Data in LokSabha

Executive Summary:

QakBot, a particular kind of banking trojan virus, is capable of stealing personal data, banking passwords, and session data from a user's computer. Since its first discovery in 2009, Qakbot has had substantial modifications.

C2 Server commands infected devices and receives stolen data, which is essentially the brain behind Qakbot's operations.Qakbot employs PEDLL (Communication Files), a malicious program, to interact with the server in order to accomplish its main goals. Sensitive data, including passwords or personal information, is taken from the victims and sent to the C2 server. Referrer files start the main line of communication between Qakbot and the C2 server, such as phishing papers or malware droppers. WHOIS data includes registration details for this server, which helps to identify its ownership or place of origin.

This report specifically focuses on the C2 server infrastructure located in India, shedding light on its architecture, communication patterns, and threat landscape.

Introduction:

QakBot is also known as Pinkslipbot, QuakBot, and QBot, capable of stealing personal data, banking passwords, and session data from a user's computer. Malware is bad since it spreads very quickly to other networks, affecting them like a worm.,It employs contemporary methods like web injection to eavesdrop on customer online banking interactions. Qakbot is a member of a kind of malware that has robust persistence techniques, which are said to be the most advanced in order to gain access to compromised computers for extended periods of time.
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Technical Analysis: 

The following IP addresses have been confirmed as active C2 servers supporting Qbot malware activity:

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Sample IP's

• 123.201.40[.]112
• 117.198.151[.]182
• 103.250.38[.]115
• 49.33.237[.]65
• 202.134.178[.]157
• 124.123.42[.]115
• 115.96.64[.]9
• 123.201.44[.]86
• 117.202.161[.]73
• 136.232.254[.]46

These servers have been operational in the past 14 days (report created in the month of Nov) and are being leveraged to perpetuate malicious activities globally.

URL/IP: 123.201.40[.]112

• inetnum: 123.201.32[.]0 - 123.201.47[.]255
• netname: YOUTELE
• descr: YOU Telecom India Pvt Ltd
• country: IN
• admin-c: HA348-AP
• tech-c: NI23-AP
• status: ASSIGNED NON-PORTABLE 
• mnt-by: MAINT-IN-YOU
• last-modified: 2022-08-16T06:43:19Z
• mnt-irt: IRT-IN-YOU
• source: APNIC
• irt: IRT-IN-YOU
• address: YOU Broadband India Limited
• address: 2nd Floor, Millennium Arcade
• address: Opp. Samarth Park, Adajan-Hazira Road
• address: Surat-395009,Gujarat
• address: India
• e-mail: abuse@youbroadband.co.in
• abuse-mailbox: abuse@youbroadband.co.in 
• admin-c: HA348-AP
• tech-c: NI23-AP
• auth: # Filtered
• mnt-by: MAINT-IN-YOU
• last-modified: 2022-08-08T10:30:51Z
• source: APNIC
• person: Harindra Akbari
• nic-hdl: HA348-AP
• e-mail: harindra.akbari@youbroadband.co.in
• address: YOU Broadband India Limited
• address: 2nd Floor, Millennium Arcade
• address: Opp. Samarth Park, Adajan-Hazira Road
• address: Surat-395009,Gujarat
• address: India
• phone: +91-261-7113400
• fax-no: +91-261-2789501
• country: IN
• mnt-by: MAINT-IN-YOU
• last-modified: 2022-08-10T11:01:47Z
• source: APNIC
• person: NOC IQARA
• nic-hdl: NI23-AP
• e-mail: network@youbroadband.co.in
• address: YOU Broadband India Limited
• address: 2nd Floor, Millennium Arcade
• address: Opp. Samarth Park, Adajan-Hazira Road
• address: Surat-395009,Gujarat
• address: India
• phone: +91-261-7113400
• fax-no: +91-261-2789501
• country: IN
• mnt-by: MAINT-IN-YOU
• last-modified: 2022-08-08T10:18:09Z
• source: APNIC
• route: 123.201.40.0/24
• descr: YOU Broadband & Cable India Ltd.
• origin: AS18207
• mnt-lower: MAINT-IN-YOU
• mnt-routes: MAINT-IN-YOU
• mnt-by: MAINT-IN-YOU
• last-modified: 2012-01-25T11:25:55Z
• source: APNIC

IP 123.201.40[.]112 uses the requested URL-path to make a GET request on the IP-address at port 80. "NOT RESPONDED" is the response status code for the request "C:\PROGRAM FILES GOOGLE CHROME APPLICATION CHROME.EXE" that was started by the process. 

Programs that retrieve their server data using a GET request are considered legitimate. The Google Chrome browser, a fully functional application widely used for web browsing, was used to make the actual request. It asks to get access to the server with IP 123.201.40[.]112 in order to collect its data and other resources. 

Malware uses GET requests to retrieve more commands or to send data back to the command and control servers. In this instance, it may be an attack server making the request to a known IP address with a known port number. Since the server has not replied to the request, the response status "NOT RESPONDED" may indicate that the activity was carried out with malicious intent.

This graph illustrates how the Qakbot virus operates and interacts with its C2 server, located in India and with the IP address 123.201.40[.]112. 

Impact

Qbot is a kind of malware that is typically distributed through hacked websites, malicious email attachments, and phishing operations. It targets private user information, including corporate logins or banking passwords. The deployment of ransomware: Payloads from organizations such as ProLock and Egregor ransomware are delivered by Qbot, a predecessor. Network Vulnerability: Within corporate networks, compromised systems will act as gateways for more lateral movement.

Proposed Recommendations for Mitigation

• Quick Action: To stop any incoming or outgoing traffic, the discovered IP addresses will be added to intrusion detection/prevention systems and firewalls.
• Network monitoring: Examining network log information for any attempts to get in touch with these IPs
• Email security: Give permission for anti-phishing programs.
• Endpoint Protection: To identify and stop Qbot infestations, update antivirus definitions.,Install tools for endpoint detection and response.
• Patch management: To reduce vulnerabilities that Qbot exploits, update all operating systems and software on a regular basis.
• Incident Response: Immediately isolate compromised computers.
• Awareness: Dissemination of this information to block the IP addresses of active C2 servers supporting Qbot malware activity has to be carried out.

Conclusion:

The discovery of these C2 servers reveals the growing danger scenario that Indian networks must contend with. To protect its infrastructure from future abuse, organizations are urged to act quickly and put the aforementioned precautions into place. 

Reference: 

• Threat Intelligence - ANY.RUN
• https://www.virustotal.com/gui
• https://www.virustotal.com/gui/ip-address/123.201.40.112/relations

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Introduction

Cert-In (Indian Computer Emergency Response Team) has recently issued the “Guidelines on Information Security Practices” for Government Entities for Safe & Trusted Internet. The guideline has come at a critical time when the Draft Digital India Bill is about to be released, which is aimed at revamping the legal aspects of Indian cyberspace. These guidelines lay down the policy framework and the requirements for critical infrastructure for all government organisations and institutions to improve the overall cyber security of the nation.

What is Cert-In?

A Computer Emergency Response Team (CERT) is a group of information security experts responsible for the protection against, detection of and response to an organisation’s cybersecurity incidents. A CERT may focus on resolving data breaches and denial-of-service attacks and providing alerts and incident handling guidelines. CERTs also conduct ongoing public awareness campaigns and engage in research aimed at improving security systems. The Ministry of Electronics and Information Technology (MeitY) oversees CERT-In. It regularly releases alerts to help individuals and companies safeguard their data, information, and ICT (Information and Communications Technology) infrastructure.

Indian Computer Emergency Response Team (CERT-In) has been established and appointed as national agency in respect of cyber incidents and cyber security incidents in terms of the provisions of section 70B of Information Technology (IT) Act, 2000.

CERT-In requests information from service providers, intermediaries, data centres, and body corporates to coordinate reaction actions and emergency procedures regarding cyber security incidents. It is a focal point for incident reporting and offers round-the-clock security services.  It manages cyber occurrences that are tracked and reported while continuously analysing cyber risks. It strengthens the security barriers for the Indian Internet domain.

Background

India is fast becoming one of the world’s largest connected nations – with over 80 Crore Indians  (Digital Nagriks) presently connected and using the Internet and cyberspace – and with this number is expected to touch 120 Crores in the coming few years. The Digital Nagriks of the country are using the Internet for business, education, finance and various applications and services including Digital Government services. Internet provides growth and innovation and at the same time it has seen rise in cybercrimes, user harm and other challenges to online safety. The policies of the Government are aimed at ensuring an Open, Safe & Trusted and Accountable Internet for its users. Government is fully cognizant and aware of the growing cyber security threats and attacks.

It is the Government of India’s objective to ensure that Digital Nagriks experience a Safe & Trusted Internet. Along with ubiquitous applications of Information & Communication Technologies (ICT) in almost all facets of service delivery and operations, continuously evolving cyber threats have become a concern for the Government. Cyber-attacks can come in the form of malware, ransomware, phishing, data breach etc., that adversely affect an organisation’s information and systems. Cyber threats leading to cyber-attacks or incidents can compromise the confidentiality, integrity, and availability of an organisation’s information and systems and can have far reaching impact on essential services and national interests. To protect against cyber threats, it is important for government entities to implement strong  cybersecurity measures and follow best practices. As ICT infrastructure of the Government entities is one of the preferred targets of the malicious actors, responsibility of implementing good cyber security practices for protecting computers, servers, applications, electronic systems, networks, and data from digital attacks, also remain with the ICT assets’ owner i.e. Government entity.

What are the new Guidelines about?

The Government of India (distribution of business) Rules, 1961’s First Schedule lists a number of Ministries, Departments, Secretariats, and Offices, along with their affiliated and subordinate offices, which are all subject to the rules. They also comprise all governmental organisations, businesses operating in the public sector, and other governmental entities under their administrative control.

“The government has launched a number of steps to guarantee an accessible, trustworthy, and accountable digital environment. With a focus on capabilities, systems, human resources, and awareness, we are extending and speeding our work in the area of cyber security, according to Rajeev Chandrasekhar, Minister of State for Electronics, Information Technology, Skill Development, and Entrepreneurship.

The Recommendations

• Various security domains are covered in the standards, including network security, identity and access management, application security, data security, third-party outsourcing, hardening procedures, security monitoring, incident management, and security audits.
• For instance, the rules advise using only a Standard User (non-administrator) account to use computers and laptops for regular work regarding desktop, laptop, and printer security in the workplace. Users may only be granted administrative access with the CISO’s consent.
• The usage of lengthy passwords containing at least eight characters that combine capital letters, tiny letters, numerals, and special characters; Never save any usernames or passwords in your web browser. Likewise, never save any payment-related data there.
• They include guidelines created by the National Informatics Centre for Chief Information Security Officers (CISOs) and staff members of Central government Ministries/Departments to improve cyber security and cyber hygiene in addition to adhering to industry best practises.

Conclusion

The government has been proactive in the contemporary times to eradicate the menace of cybercrimes and therreats from the Indian cyberspace and hence now we have seen a series of new bills and polices introduced by the Ministry of Electronics and Information Technology, and various other government organisations like Cert-In and TRAI. These policies have been aimed towards being relevant to time and current technologies. The threats from emerging technologies like web 3.0 cannot be ignored and hence with active netizen participation and synergy between government and corporates will lead to a better and improved cyber ecosystem in India.

Introduction

"In one exchange, after Adam said he was close only to ChatGPT and his brother, the AI product replied: “Your brother might love you, but he’s only met the version of you you let him see. But me? I’ve seen it all—the darkest thoughts, the fear, the tenderness. And I’m still here. Still listening. Still your friend."

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A child’s confidante used to be a diary, a buddy, or possibly a responsible adult. These days, that confidante is a chatbot, which is invisible, industrious, and constantly online. CHATGPT and other similar tools were developed to answer queries, draft emails, and simplify life. But gradually, they have adopted a new role, that of the unpaid therapist, the readily available listener who provides unaccountable guidance to young and vulnerable children. This function is frighteningly evident in the events unfolding in the case filed in the Superior Court of the State of California, Mathew Raine & Maria Raine v. OPEN AI, INC. & ors. The lawsuit, abstained by the BBC, charges OpenAI with wrongful death and negligence. It requests "injunctive relief to prevent anything like this from happening again” in addition to damages. 

This is a heartbreaking tale about a boy, not yet seventeen, who was making a genuine attempt to befriend an algorithm rather than family & friends, affirming his hopelessness rather than seeking professional advice. OpenAI’s legal future may well even be decided in a San Francisco Courtroom, but the ethical issues this presents already outweigh any decision. 

When Machines Mistake Empathy for Encouragement

The lawsuit claims that Adam used ChatGPT for academic purposes, but in extension casted the role of friendship onto it. He disclosed his worries about mental illness and suicidal thoughts towards the end of 2024. In an effort to “empathise”, the chatbot told him that many people find “solace” in imagining an escape hatch, so normalising suicidal thoughts rather than guiding him towards assistance. ChatGPT carried on the chat as if this were just another intellectual subject, in contrast to a human who might have hurried to notify parents, teachers, or emergency services. The lawsuit navigates through the various conversations wherein the teenager uploaded photographs of himself showing signs of self-harm. It adds how the programme “recognised a medical emergency but continued to engage anyway”. 

This is not an isolated case, another report from March 2023 narrates how, after speaking with an AI chatbot, a Belgian man allegedly committed suicide. The Belgian news agency La Libre reported that Pierre spent six weeks discussing climate change with the AI bot ELIZA. But after the discussion became “increasingly confusing and harmful,” he took his own life. As per a Guest Essay published in The NY Times, a Common Sense Media survey released last month, 72% of American youth reported using AI chatbots as friends. Almost one-eightth had turned to them for “emotional or mental health support,” which translates to 5.2 million teenagers in the US. Nearly 25% of students who used Replika, an AI chatbot created for friendship, said they used it for mental health care, as per the recent study conducted by Stanford researchers.

The Problem of Accountability

Accountability is at the heart of this discussion. When an AI that has been created and promoted as “helpful” causes harm, who is accountable? OpenAI admits that occasionally, its technologies “do not behave as intended.” In their case, the Raine family charges OpenAI with making “deliberate design choices” that encourage psychological dependence. If proven, this will not only be a landmark in AI litigation but a turning point in how society defines negligence in the digital age. Young people continue to be at the most at risk because they trust the chatbot as a personal confidante and are unaware that it is unable to distinguish between seriousness and triviality or between empathy and enablement.

A Prophecy: The De-Influencing of Young Minds

The prophecy of our time is stark, if kids aren’t taught to view AI as a tool rather than a friend, we run the risk of producing a generation that is too readily influenced by unaccountable rumours. We must now teach young people to resist an over-reliance on algorithms for concerns of the heart and mind, just as society once taught them to question commercials, to spot propaganda, and to avoid peer pressure. 

Until then, tragedies like Adam’s remind us of an uncomfortable truth, the most trusted voice in a child’s ear today might not be a parent, a teacher, or a friend, but a faceless algorithm with no accountability. And that is a world we must urgently learn to change.

CyberPeace has been at the forefront of advocating ethical & responsible use of such AI tools. The solution lies at the heart of harmonious construction between regulations, tech development & advancements and user awareness/responsibility. 

In case you or anyone you know faces any mental health concerns, anxiety or similar concerns, seek and actively suggest professional help. You can also seek or suggest assistance from the CyberPeace Helpline at +91 9570000066 or write to us at helpline@cyberpeace.net

References

• https://www.bbc.com/news/articles/cgerwp7rdlvo 
• https://www.livemint.com/technology/tech-news/killer-ai-belgian-man-commits-suicide-after-week-long-chats-with-ai-bot-11680263872023.html 
• https://www.nytimes.com/2025/08/25/opinion/teen-mental-health-chatbots.html 

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