Cyber Security Awareness

Stay Alert. Stay Secure. Stay Protected.

At Muthoot Money Limited, safeguarding customer information and digital transactions is a key priority. As digital financial services continue to grow, cyber frauds such as phishing, fake loan offers, UPI scams, impersonation frauds, and malicious mobile applications are also increasing.

Customers are advised to remain vigilant while accessing online services, mobile applications, digital payments, and communication channels.

Important Reminder

Muthoot Money will NEVER ask customers for:

• OTPs
• CVV numbers
• UPI PIN
• Internet Banking passwords
• Debit/Credit Card PIN
• Screen sharing access
• Remote device control access

Do not share such confidential information with anyone under any circumstances.

Common Cyber Frauds

Phishing Attacks

Fraudsters may send fake SMSs, emails, or WhatsApp messages pretending to be from Muthoot Money and attempt to steal sensitive customer information through malicious links or fake websites.

Warning Signs

• Urgent messages such as:
  • “Your account will be blocked”
  • “KYC expired”
  • “Gold loan auction notice”
• Misspelled website links
• Unknown sender IDs
• Requests for OTP or PIN
• Fake customer support numbers

Safety Measures

• Verify website URLs carefully before login
• Access services only through official platforms
• Do not click unknown links received via SMS, email, or social media
• Avoid downloading APK files from unofficial sources

Vishing (Voice Call Fraud)

Fraudsters may impersonate bank officials, RBI representatives, police officers, or customer care executives and attempt to obtain confidential information through phone calls.

Stay Safe

• Do not share OTPs or PINs over calls
• Disconnect suspicious calls immediately
• Verify customer care numbers from official sources only
• Never transfer money based on threats or pressure tactics

Smishing (SMS Fraud)

Cyber criminals may send fake SMS messages regarding:

• KYC updates
• Loan approvals
• Cashback offers
• Reward points
• Account suspension notices

These messages often contain malicious links.

Precautions

• Avoid clicking shortened URLs
• Do not respond to suspicious SMS messages
• Use only official applications and websites
• Report suspicious SMS immediately

Fake Mobile Applications

Fraudsters may circulate fake loan or reward applications through WhatsApp, Telegram, or unofficial websites. Such applications may steal personal and financial data.

Customer Advisory

• Download applications only from official app stores
• Never install APK files received through social media
• Review app permissions periodically
• Keep mobile operating systems updated

Mobile & Device Security

Recommended Controls

• Use strong passwords and biometric authentication
• Keep mobile devices and applications updated
• Install reputed anti-malware protection
• Avoid public Wi-Fi while performing financial transactions
• Do not use rooted or jailbroken devices

Social Media & WhatsApp Fraud Awareness

Fraudsters may misuse social media platforms to circulate:

• Fake investment schemes
• Fake customer support numbers
• Fake gold loan offers
• Reward redemption scams
• Festival offer scams

Customers Should

• Verify offers from official channels only
• Avoid sharing personal information on social media
• Report fake profiles impersonating the company

Digital Arrest & Impersonation Fraud

Cyber criminals may impersonate:

• Police officials
• RBI officers
• Cyber Crime officials
• Income Tax officers

They may threaten customers using fake legal notices or video calls and demand money transfers.

Important Advisory

No legitimate authority will demand immediate payment over phone or video calls.

If such incidents occur:

• Disconnect the call immediately
• Do not transfer funds
• Report the incident to cyber authorities

Customer Awareness Tips

DO’s

• Use official websites and mobile applications only
• Monitor account activity regularly
• Change passwords periodically
• Report suspicious activity immediately
• Enable transaction alerts

DON’Ts

• Do not share OTPs or passwords
• Do not click suspicious links
• Do not install unknown applications
• Do not respond to unsolicited offers
• Do not allow remote screen sharing access

Reporting Cyber Incidents

Customers are advised to immediately report any suspicious activity or cyber fraud incidents through official channels.

National Cyber Crime Reporting

• Cyber Crime Helpline: 1930
• National Cyber Crime Reporting Portal: https://cybercrime.gov.in

Muthoot Money Fraud Reporting

• mmlho@muthootmoney.in
• 1800-202-7747

Security Commitment

Muthoot Money Limited is committed to strengthening customer awareness and implementing robust cyber security controls in alignment with RBI guidelines, industry best practices, and information security standards to ensure safe and secure digital financial services for all customers.