Fact CheckedLast Updated: 5 July 2026Reviewed By: ComplaintAdda Editorial Team
KYC Update Scam
KYC update scams use urgent SMS or calls claiming your bank account, wallet, or SIM will be deactivated unless you 'verify' by clicking a link, sharing OTP, or installing an app — all designed to steal your credentials.
What Is It
A phishing scam impersonating banks, telecom operators, or e-wallets that pressures victims into 'updating KYC' through fraudulent links, calls, or apps, resulting in stolen credentials or unauthorized debits.
When To Use It
Report if you clicked a KYC link, shared OTP/documents with a caller, or noticed unauthorized transactions after such a message.
Step-by-Step Process
- 1Do not click any further links; block the sender's number immediately.
- 2If credentials were shared or money debited, call 1930 right away.
- 3File a complaint on cybercrime.gov.in with the SMS/call screenshot and transaction details.
- 4Verify your KYC status only via your bank/telecom operator's official app or branch — never via the link received.
- 5Change your net banking password and enable transaction alerts.
Documents Required
- Screenshot of the SMS/call/link received
- Transaction ID/UTR (if money was debited)
- Bank statement
- Registered mobile number
Fees
Free to file on cybercrime.gov.in or via the 1930 helpline.
Processing Time
Immediate acknowledgement; freeze/investigation can take 30–90 days.
Important Tips
- Banks and telecom operators never ask for KYC updates via SMS links or phone calls demanding OTP.
- Always update KYC only at your branch, official app, or verified retailer store.
- Report and delete suspicious SMS immediately rather than replying.
Frequently Asked Questions
No. Telecom operators never deactivate a SIM through an SMS link; any genuine KYC requirement is handled at an authorized retailer store or via the operator's verified app.
This article is for general information only and does not constitute legal advice. Always verify with the official source before acting.