That “Court Summons” in Your Inbox is a Scam to Steal Your UPI and Banking Passwords
A surge of emails pretend to be court summons / legal notices with urgent deadlines. The intent is simple: panic you into opening a malicious link or attachment that harvests your UPI PIN/OTP, netbanking credentials, and card data. This advisory explains exactly how the scam works and how to stop it — for individuals, teams, and SOCs.
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TL;DR
- Scam emails spoof courts/police/government and demand immediate action.
- Links open fake portals or malware that attempt to steal UPI PIN/OTP, netbanking passwords, card numbers, or trigger UPI collect requests.
- Never enter UPI PIN/OTP on links from email/SMS/WhatsApp. Courts do not take UPI PIN/OTP to deliver notices.
- How to be safe: verify case numbers on the official website/app only, use browser/site allowlists, enable 2FA, and freeze payments on suspicion.
Table of Contents
How the “Court Summons” Scam Works
- Bait: Threatening subject lines — “Non-Appearance Summons”, “Final Notice Under IPC”, “E-Court Hearing Today”.
- Panic: Countdown timers, fines, or arrest warnings to force immediate click.
- Phishing page/malware: Fake “e-Court” pages ask for phone, email, bank, card, UPI details; some attachments try to install remote access or info-stealer apps.
- Credential capture & drain: Attackers request OTPs, push UPI collect requests, or replay netbanking credentials.
UPI-Specific Traps (India)
- Collect Request Scam: Scammers send a pay request claiming “verification fee/refund”. Reject unknown requests — UPI verification never needs you to approve money to strangers.
- App Overlay / Screen Share: Callers push you to install “support” apps and watch you type your UPI PIN.
- WhatsApp/Telegram Links: Moving you off email reduces traceability — treat it as a red flag.
Golden rule: Your UPI PIN is only for sending money you initiate to a known contact/merchant inside your banking app. It is never needed to “receive” refunds or court documents.
Red Flags to Spot Instantly
- Sender address/domain mismatch; public mail senders for “government” notices.
- Links go to unfamiliar domains or shortened URLs.
- Attachments ask you to “Enable Macros” or install viewer apps.
- Grammatical errors, fake seals, generic case IDs.
- Demands for UPI PIN/OTP/card CVV or screen sharing.
What You Should Do — Right Now
- Do not click links in unsolicited “court” emails. Verify case numbers on the official court portal or by calling the official helpline from the government website.
- Open banking/UPI apps directly, not via links.
- Enable 2FA on email and banking; use a password manager.
- Set transaction limits & alerts for UPI and netbanking.
- Report & block the email address and phone numbers used.
For Teams & SOC: Controls that Work
- Mail security: DKIM/DMARC enforcement, banner external mail, detonate attachments in sandbox.
- URL controls: Browser isolation or rewrite with time-of-click analysis; block lookalike domains.
- User protections: Password manager rollout, phishing simulations focused on “legal” themes, screen-share policy blocks.
- Banking hygiene: Per-user UPI/netbanking limits, mandatory alerts, just-in-time approvals for high-value payments.
If You Already Clicked / Paid
- Call your bank immediately and request transaction reversal/hold; disable UPI temporarily.
- Change passwords for email and banking; revoke active sessions.
- Scan your device with reputable security software; remove remote-access apps.
- Report to your bank, local cyber cell, and national cybercrime portal.
- Preserve evidence (emails, headers, SMS, payment IDs) for investigation.
Mid-Article Toolbox
- CyberDudeBivash Apps & Products — security utilities & guides
- Kaspersky Security Suite — phishing & password protection
- Edureka — cybersecurity awareness & IR courses
- Alibaba — hardware tokens & peripherals
- AliExpress — budget security accessories
FAQs
Do courts send summons by email with payment links?
No. Courts do not ask for UPI PIN/OTP or card details via email/SMS/WhatsApp. Always verify case numbers on the official portal.
Is a UPI collect request required to “verify” identity?
No. Identity verification never requires approving a payment to strangers. Reject unknown collect requests.
I opened the link but didn’t enter details. Am I safe?
Mostly yes, but scan your device and monitor accounts. If you downloaded any app/attachment, uninstall and run a full scan.
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