#FactCheck: Beware of Fake Emails Distributing Fraudulent e-PAN Cards

In the past decade, India’s gaming sector has seen a surprising but swift advancement, which brought along millions of players and over billions in investments and has even been estimated to be at $23 billion. Whether it's fantasy cricket and Ludo apps, high-stakes poker, or rummy platforms, investing real money in online gaming and gambling has become a beloved hobby for many. Moreover, it not only gave a boost to the economy but also contributed to creative innovation and the generation of employment.

The real concern lies behind the glossy numbers, tales of addiction, financial detriment, and the never-ending game of cat and mouse with legal loopholes. The sector’s meteoric rise has raised various concerns relating to national financial integrity, regulatory clarity and consumer safety. 

In light of this, the Promotion and Regulation of Online Gaming Act, 2025, which was passed by Parliament and signed into law on August 22, stands out as a significant development. The Act, which is positioned as a consumer protection and sector-defining law, aims to distinguish between innovation and exploitation by acknowledging e-sport as a legitimate activity and establishing unambiguous boundaries around the larger gaming industry. 

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Key Highlights of the Act

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• Complete Ban on all games involving Real-Money: All e-games, whether based on skill or luck, that involve monetary stakes have been banned.
• Prohibition of Ads: Promotion of such e-games has also been disallowed across all platforms.
• Legal Ramifications: Operation of such games may lead to up to 3 years in prison with a 1 cr fine; Advertisement for the same may lead to up to 2 years in prison with a 50 lakh fine. However, in case of repeat offences, this may go up to 3-5 years in prison and 2 cr in fines.
• Creation of Online Gaming Authority: The creation of a national-level regulatory body to classify and monitor games, register platforms and enforce the dedicated rules.
• Support for eSports and Social & Educational games: All kinds of games that are non-monetary, promote social and educational growth, will not only be recognised but encouraged. Meanwhile, eSports will also gain official recognition under the Ministry of Sports.

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Positive Impacts

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• Addressal & Tackling of Addiction and Financial Ruin: The major reason behind the ban is to reduce the cases of players, mainly youth, getting into gambling and losing huge amounts of money to betting apps and games, and to protect vulnerable users 
• Boost to eSports & Regulatory Clarity: The law not only legitimises the eSport sector but also provides opportunities for scholarship and other financial benefits, along with windows for professional tournaments and platforms on global stages. Along with this aims to bring about an order around e-games of skill versus luck.
• Fraud Monitoring & Control: The law makes sure to block off avenues for money laundering, gambling and illegal betting networks.
• Promotion of Safe Digital Ecosystem: Encouraging social, developmental and educational games to focus on skill, learning and fun.

Challenges

The fact that the Promotion and Regulation of Online Gaming Act, 2025 is still in its early stages, which must be recognised. In the end, its effectiveness will rely not only on the letter of the law but on the strength of its enforcement and the wisdom of its application. The Act has the potential to safeguard the interests of at-risk youth from the dangers of gambling and its addiction, if it is applied carefully and clearly, all the while maintaining the digital ecosystem as a place of innovation, equity, and trust.

• Blanket Ban: By imposing a blanket ban on games that have long been justified as skill-based like rummy or fantasy cricket, the Act runs the risk of suppressing respectable enterprises and centres of innovation. Many startups that were once hailed for being at the forefront of India’s digital innovation may now find it difficult to thrive in an unpredictable regulatory environment.
• Rise of Illegal Platforms: History offers a sobering lesson, prohibition does not eliminate demand, it simply drives it underground. The prohibition of money games may encourage the growth of unregulated, offshore sites, where players are more vulnerable to fraud, data theft, and abuse and have no way to seek consumer protection.
  
  

Conclusion

The Act is definitely a tough and bold stand to check and regulate India’s digital gaming industry, but it is also a double-edged sword. It brings in much-needed consumer protection regulations in place and legitimises e-Sports. However, it also casts a long shadow over a successful economy and runs the risk of fostering a black market that is more harmful than the issue it was intended to address. 

Therefore, striking a balance between innovation and protection, between law and liberty, will be considered more important in the coming years than the success of regulations alone. India’s legitimacy as a digital economy ready for global leadership, as well as the future of its gaming industry, will depend on how it handles this delicate balance. 

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References: 

1. https://economictimes.indiatimes.com/tech/technology/gaming-bodies-write-to-amit-shah-urge-to-block-blanket-ban-warn-of-rs-20000-crore-tax-loss/articleshow/123392342.cms
2. https://m.economictimes.com/news/india/govt-estimates-45-cr-people-lose-about-rs-20000-cr-annually-from-real-money-gaming/articleshow/123408237.cms
3. https://www.cyberpeace.org/resources/blogs/promotion-and-regulation-of-online-gaming-bill-2025-gets-green-flag-from-both-houses-of-parliament
4. https://www.thehindu.com/business/Industry/real-money-gaming-firms-wind-down-operations/article69965196.ece

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Introduction

In an era where digital connectivity drives employment, investment, and communication, the most potent weapon of cybercriminals is ‘gaining trust’ with their sophisticated tactics. Prayagraj has been a recent battleground in India's cybercrime landscape. Within a one-year crackdown, over 10,400 SIM cards, 612 mobile device IMEIs, and 59 bank accounts were blocked, exposing a sprawling international fraud network. These activities primarily targeted unsuspecting individuals through Telegram job postings, fake investment tips, and mobile app scams, highlighting the darker side of convenience in cyberspace. With India now experiencing a wave of scams enabled by technology, this crackdown establishes a precedent for concerted cyber policing and awareness among citizens. 

Digital Deceit: How the Scams Operated

SIM cards that have been issued through fake or stolen identities are increasingly being used by cybercriminals in Prayagraj and elsewhere. These SIMs were the initial weapon in a highly organised fraud system, allowing criminals to conduct themselves anonymously while abusing messaging services like WhatsApp and Telegram. The gangs involved in these scams, some of which have been linked by reports to nations like Nepal, Pakistan, China, Dubai, and Myanmar, enticed their victims with rich-yielding stock market advice, remote employment offers, and weekend employment promises. After getting a target engaged, victims were slowly manipulated into sending money in the name of application fees, verification fees, or investment contributions.

API Abuse and OTP Interception

What's more alarming about these scams is their tech-savviness. From Prayagraj's cybercrime squad, several syndicates are reported to have employed API-based mobile applications to intercept OTPs (One-Time Passwords) sent to Indian numbers. Such apps, cleverly disguised as genuine services or work-from-home software, collected personal details like bank account credentials and payment card data, allowing wrongdoers to carry out unauthorised transactions in a matter of minutes. The pilfered funds were then quickly transferred through several mule accounts, rendering the money trail almost untraceable.

The Human Impact: How Citizens Were Trapped

Victims tended to come from job-hunting groups, students, or housewives seeking to earn additional income. Often, the scammers persuaded users to join Telegram channels providing free investment advice or job-referral-based schemes, creating an illusion of authenticity. Once on board, victims were sometimes even paid small commissions initially, creating a false sense of success. This tactic, known as “advance-fee confidence building,” made victims more likely to invest larger sums later, ultimately leading to complete financial loss.

Digital Arrest Threats and Bitcoin Ransom Scams

Aside from investment and job scam complaints, the cybercrime cell also saw several "digital arrest" scams, where victims were forced to send money under the threat of engaging in criminal activities. Bitcoin extortion schemes were also used in some cases, with perpetrators threatening exposure of victims' personal information or browsing history on the internet unless they were paid in cryptocurrency.

Law Enforcement’s Cyber Shield: Local Action, Global Impact

Identifying the extent of the threat, Prayagraj authorities implemented strategic measures to enable local policing. Cyber Units have been formed in each of the 43 police stations in the district, each made up of a sub-inspector, head constable, constable, lady constable, and computer operator. This decentralised model enables response in real-time, improved victim support, and quicker forensic analysis of hacked devices. The nodal officer for cyber operations said that this multi-level action is not punitive but preventive, meant to break syndicates before more harm is caused.

CyberPeace Recommendations: Prevention is Power

As cybercrime gets advanced, citizens will also have to keep pace with it. Prayagraj's experience highlights the importance of public awareness, digital literacy, and instant response processes. To assist in preventing people from falling victim to such scams, CyberPeace advises the following:

• Don't click on dubious APK links sent on WhatsApp or Telegram.
• Do not share OTPs or confidential details, even if the source appears to be familiar.
• Never download unfamiliar apps that demand access to SMS or financial information.
• Block your SIM card, payment cards, and bank accounts at once if your phone is stolen.
• Report all cyber frauds to cybercrime.gov.in or your local Cyber Cell.
• Never join investment or job groups on social sites without verification.
• Refuse video calls from unknown numbers; some scammers use this method of recording or blackmailing victims.

Conclusion

Prayagraj crackdown uncovers both the magnitude and versatility of cybercrime in the present. From trans-border cartels to Telegram job scams, the cyber front is as intricate as ever. But this incident also illustrates what can be achieved when technology, law enforcement, and public awareness come together. To stay safe from cyber threats, a cyber-conscious citizenry is as important as an effective cyber cell for India. At CyberPeace, we know that defending cyberspace begins with cyber resilience, and the story of Prayagraj should encourage communities everywhere to take active digital precautions. 

References

• https://www.hindustantimes.com/cities/lucknow-news/over-10k-sims-blocked-as-job-investment-frauds-rise-in-prayagraj-101753715061234.html
• https://consumer.ftc.gov/articles/how-recognize-and-avoid-phishing-scams
• https://faq.whatsapp.com/2286952358121083
• https://education.vikaspedia.in/viewcontent/education/digital-litercy/information-security/preventing-online-scams-cert-in-advisory?lgn=en
• https://cybercrime.gov.in/Accept.aspx
• https://www.linkedin.com/pulse/perils-advance-fee-fraud-protecting-yourself-from-scammers-sharma/

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Executive Summary:

A widely circulated social media post claims that the Government of India has reportedly opened an account—Army Welfare Fund Battle Casualty—at Canara Bank to support the modernization of the Indian Army and assist injured or martyred soldiers. Citizens can voluntarily contribute starting from ₹1, with no upper limit. The fund is said to have been launched based on a suggestion by actor Akshay Kumar, which was later acknowledged by the Prime Minister of India through Mann Ki Baat and social media platforms. However, the fact is that no such decision has been taken by the cabinet recently, and no such decision has been officially announced.

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Claim:

A viral social media post claims that the Government of India has launched a new initiative aimed at modernizing the Indian Army and supporting battle casualties through public donations. According to the post, a special bank account has been created to enable citizens to contribute directly toward the procurement of arms and equipment for the armed forces.

It further states that this initiative was introduced following a Cabinet decision and was inspired by a suggestion from Bollywood actor Akshay Kumar, which was reportedly acknowledged by the Prime Minister during his Mann Ki Baat address.

The post encourages individuals to donate any amount starting from ₹1, with no upper limit, and estimates that widespread public participation could generate up to ₹36,000 crore annually to support the armed forces. It also lists two bank accounts—one at Canara Bank (Account No: 90552010165915) and another at State Bank of India (Account No: 40650628094)—allegedly designated for the "Armed Forces Battle Casualties Welfare Fund."

The statement said,” The government established a range of welfare schemes for soldiers killed or disabled while undertaking military operations in recent combat. In 2020, the government established the 'Armed Forces Battle Casualty Welfare Fund (AFBCWF)', which is used to provide immediate financial assistance to families of soldiers, sailors and airmen who lose their lives or sustain grievous injury as a result of active military service.” 

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We also found a similar post from the past, which can be seen here.
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Fact Check:

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The Press Information Bureau (PIB) have responded to the viral post stating that it is misleading, and the Government has not launched any message inviting public donations towards the modernisation of the Indian Army or for purchasing Weapons for the army. The only known official initiative by the Ministry of Defence is the "Armed Forces Battle Casualties Welfare Fund", which is an initiative set up to support the families of our soldiers who have been marshalled or grievously disabled in the line of duty, not for buying military equipment.

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In addition, the bank account details mentioned in the Viral post are false, and donations and charitable donations submitted to the account have been dishonoured. 

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The other false claim says that actor Akshay Kumar is promoting or heading this message-there is no official/disclosure record or announcement related to him leading or sponsoring this project. Having said that in 2017, Akshay Kumar encouraged public contributions of just one rupee per month to support the armed forces, through a web portal called “Bharat Ke Veer”. The platform was developed in partnership with the Ministry of Home Affairs

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Citizens have to rely on only official government sources and ignore misleading messages on such social media platforms.

Conclusion:

The viral social media post suggesting that the Government of India has initiated a donation drive for the modernisation of the Indian Army and the purchase of weapons is misleading and inaccurate. According to the Press Information Bureau (PIB), no such initiative has been launched by the government, and the bank account details provided in the post are false, with reported cases of dishonoured transactions. The only legitimate initiative is the Armed Forces Battle Casualties Welfare Fund (AFBCWF), which provides financial assistance to the families of soldiers who are martyred or seriously injured in the line of duty. While actor Akshay Kumar played a key role in launching the Bharat Ke Veer portal in 2017 to support paramilitary personnel, he has no official connection to the viral claims.

• Claim: The government has launched a public donation message to fund Army weapon purchases.
• Claimed On:  Social Media
• Fact Check: False and Misleading

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