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WHAT IS PHISHING ? WHAT IS PHISHING ATTACK ?
 Many people wonder what is phishing, against which so many warnings come in the media. Phishing attack is the attempt to obtain sensitive information like  usernames , passwords , credit card details , bank account details , date of birth etc  with malicious intent to defraud the victim by disguising as a reputed trustworthy entity through electronic communication .Â
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Phishing , in simple words is an attempt to get your usernames , passwords etc by unknown persons / criminals with intention to steal your money from your bank accounts and credit cards . Just like offering bites to fishes to catch them , senders of fraudulent e-mails  make you part your data  with attractive offers  using duplicate , but looking similar to , original websites . Instead of e-mails , victims may also be approached through  SMS , WhatsApp messages or Facebook postings . Â
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Phishing , in simple words is an attempt to get your usernames , passwords etc by unknown persons / criminals with intention to steal your money from your bank accounts and credit cards . Just like offering bites to fishes to catch them , senders of fraudulent e-mails  make you part your data  with attractive offers  using duplicate , but looking similar to , original websites . Instead of e-mails , victims may also be approached through  SMS , WhatsApp messages or Facebook postings . Â
Latest Phishing Attacks in India
CERT-IN REPORTS AÂ Â NEWÂ PHISHING ATTACK ON BANKING CUSTOMERSÂ
Dated 12.08.2021 : Indian Computer Emergency Response Team - ( Cert In ) has warned about a new phishing attack aimed about Indian Banking Customers using ngrok platform . The platform is  being used for creating  phishing websites  . The phishing websites are impersonating banking websites of India  and collecting sensitive information of the customers like internet banking  usernames , passwords . mobile numbers and OTPs . Â
The modus operandi of the attack is normally as follows :Â
1 . Customers will receive SMS with embedded  phishing links ending with ngrok . io/xxxbank  .Â
2. SMS will have messages like " Your account is being suspended . Please Re KYC verification update . Click here link http:// xxxxx. ngrok.io/xxxbank .Â
3. Once you click the link , it will take you to their phishing website .Â
4. Then he generates a OTP sent to your mobile number .Â
5.  Once you enter that OTP in phishing site , attacker will  do the transactions on the original website and funds are siphoned off  .Â
​Hence be careful  before responding to such SMS messages . For further details  , you click hereÂ
TYPES OF PHISHINGÂ
 There are various techniques used by  criminals to lure you to part   with  sensitive data . Some of them are :Â
1. SPEAR PHISHING :  The attackers first gather information about their potential victim by using  social media or other methods  and then  send the baits  using emails / mobiles / SMS etc .  The criminals use the method often as  chances of victims believing  them and parting the required data is high in this technique . Â
2. CLONE PHISHING :  Attackers send a very similar e-mail already received by you from a genuine / bonafide entity , but with an attachment of malicious content , appearing to be coming from genuine site . Â
3. LINK MANIPULATION : Misspelled URLs  are sent to make the websites look real by altering an alphabet / number of the original website . Manipulated URL will take the victim to a malicious website Â
4. SMS PHISHING : Instead of e-mails , attackers send SMS messages which take he victim to a malicious website . Â
5 TELE CALLING :  Attackers pose as the tele-callers of a  reputed bank or the bank where you have account / credit / debit card and obtain information from you by luring special offers .Â
1. SPEAR PHISHING :  The attackers first gather information about their potential victim by using  social media or other methods  and then  send the baits  using emails / mobiles / SMS etc .  The criminals use the method often as  chances of victims believing  them and parting the required data is high in this technique . Â
2. CLONE PHISHING :  Attackers send a very similar e-mail already received by you from a genuine / bonafide entity , but with an attachment of malicious content , appearing to be coming from genuine site . Â
3. LINK MANIPULATION : Misspelled URLs  are sent to make the websites look real by altering an alphabet / number of the original website . Manipulated URL will take the victim to a malicious website Â
4. SMS PHISHING : Instead of e-mails , attackers send SMS messages which take he victim to a malicious website . Â
5 TELE CALLING :  Attackers pose as the tele-callers of a  reputed bank or the bank where you have account / credit / debit card and obtain information from you by luring special offers .Â
  INDIA IS IN TOP 3 COUNTRIES TARGETED FOR PHISHING : REPORT ​
Dated 30.05.2018 :   According to RSA Quarterly Fraud Report Q1-2018 , India is one of the top 3 target countries for phishing and malware attacks noticed in the first quarter of 2018 .  The two others countries having more attacks are U.S.A and Canada . Â
Report  also points out that  more and more rogue Mobile App originated  over the period and now they account for 39 % of the total frauds , followed by mobile browsers with 26 % of share of frauds .Â
SOMEÂ Â PHISHING EXAMPLESÂ
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HOW TO PREVENT PHISHING ?
 FEW TIPS FOR SAFEGUARDING AGAINST PHISHING :Â
 1. Keep informed about phishing techniques . Fraudsters constantly change their modus operandi . Get updated .Â
2. Think before clicking on links provided in an e-mail received .Â
3. Be wary of providing sensitive personal information on-line . Check whether website has https://  link on toolbar . Make double sure that the website is genuine .  You can get URL from google search directly .Â
4. Use anti virus software , anti -spyware , malware protection applications and firewalls to protect your computers from malicious attacks .Â
5. Be wary of pop ups .Â
6. Never store your username , password , i-pin on your computer .Â
6. In case of doubt , directly contact service providers / banks and check whether they have sent such e-mails . Â
7. Check your bank accounts regularly for any unauthorized transaction . Report to the bank immediately on finding out any such transaction .Â
 1. Keep informed about phishing techniques . Fraudsters constantly change their modus operandi . Get updated .Â
2. Think before clicking on links provided in an e-mail received .Â
3. Be wary of providing sensitive personal information on-line . Check whether website has https://  link on toolbar . Make double sure that the website is genuine .  You can get URL from google search directly .Â
4. Use anti virus software , anti -spyware , malware protection applications and firewalls to protect your computers from malicious attacks .Â
5. Be wary of pop ups .Â
6. Never store your username , password , i-pin on your computer .Â
6. In case of doubt , directly contact service providers / banks and check whether they have sent such e-mails . Â
7. Check your bank accounts regularly for any unauthorized transaction . Report to the bank immediately on finding out any such transaction .Â
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TAX ON RETIREMENT
MORE THAN 2000 VIEWSÂ Â Â IN ITS FIRST WEEK OF PUBLICATION Â
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PRECAUTIONS WHILE Â INVESTING
CLICK HERE TO READÂ
----------------------------------------------------------------------
TAX ON RETIREMENT
MORE THAN 2000 VIEWSÂ Â Â IN ITS FIRST WEEK OF PUBLICATION Â
 CLICK HERE TO READÂ
----------------------------------------------------------------------------------------------------------------
 HOW TO  LINK YOUR AADHAR TO PAN  ?  CLICK HEREÂ
   AAYKAR SETHU  , NEW MOBILE APPLICATION FOR ALL YOUR INCOME TAX JOBS ​