By Sunil Garodia
First publised on 2026-09-23 02:31:46
Old scams do not die. They return every year, repackaged for the calendar. The Times of India's report on cyber fraud ahead of Durga Puja proves this once again. A Middleton Street resident lost Rs 1 crore. Another victim lost Rs 3.7 lakh. Both fell for tactics that police have flagged repeatedly, yet both handed over their banking credentials without a second thought.
The pattern is familiar. Fraudsters exploit festive excitement. They dangle reward points, discount coupons, and food delivery offers. They impersonate bank officials, social media acquaintances, and even delivery platforms. The methods are old. The packaging changes each season.
The Modus Operandi Is Not Sophisticated. The Complacency Is.
Consider the Middleton Street case. A fraudster posed as a banking representative, targeted a resident, and walked away with Rs 1 crore. Consider Belegharia, where a scammer created a duplicate Facebook profile of an acquaintance, messaged the victim, and extracted banking details under the guise of verification. Neither case required advanced technology. Both required only a moment of trust from the victim.
This is the uncomfortable truth. Cyber fraud in India does not succeed because the criminals are brilliant. It succeeds because citizens remain willing to click unverified links, share OTPs, and trust unsolicited calls claiming urgency. Police have published safety tips year after year. OTPs are not to be shared. Bank keys are private. Unfamiliar delivery orders are not to be accepted grossly discounted. Yet the losses continue to mount, festival after festival.
A 100% Waiver on Vigilance Is Not an Option
The report also notes a separate matter, the state government's decision to waive 100% of interest and 10% of the principal on defaulted property tax dues in Howrah, ahead of civic body elections. Citizens should note the timing. Governance decisions cluster around elections. Cybercriminals cluster around festivals. Both exploit predictable human behaviour, whether that behaviour is electoral gratitude or festive haste.
The lesson for ordinary citizens is this. Institutional protection, whether from banks, police, or telecom operators, will always lag behind the ingenuity of fraud networks. The final safeguard sits with the individual. No reward point is worth a shared OTP. No festive discount justifies clicking an unverified link. No banking representative calls to verify credentials over the phone.
The Only Durable Defence Is Habitual Scepticism
Awareness campaigns matter, but campaigns fade once printed. What does not fade is a fixed personal rule: never share financial credentials over a call, message, or unfamiliar app, regardless of who claims to be asking. This rule must become as automatic as locking one's front door.
Durga Puja will bring celebration to Kolkata. It will also bring, as it has every year, a fresh wave of digital predators dressed as reward schemes and delivery notifications. The festival cannot be allowed to lower anyone's guard. Vigilance is not a seasonal virtue. It is a permanent discipline, and this week's headlines are proof of what happens when that discipline lapse.










