Aadhaar–Mobile Link Turns Risky: New Cyber Fraud Drains Bank Accounts Without OTP

Linking Aadhaar, PAN, and mobile numbers has become routine for most Indians, often seen as a step toward convenience and security. However, a recent cybercrime incident has raised serious concerns, revealing how these very links can be misused. A newly discovered fraud technique is allowing cybercriminals to wipe out bank accounts silently—without triggering OTPs or alerts—leaving victims completely unaware until it’s too late.

Shocking Case From Gujarat Raises Alarm

This alarming incident came to light in Nadiad, Gujarat, where a hotel manager fell prey to a sophisticated cyber scam. The case has not only shaken the victim but also caught the attention of law enforcement agencies and financial institutions. What makes this case particularly dangerous is the method used—criminals managed to block the victim’s Aadhaar and mobile connection to cut off all banking notifications.

How the Scam Unfolded

The victim, identified as Naval Kishore Singh Bohra (35), had recently requested a change in the mobile number linked to his Aadhaar card. Before the new number could be officially linked, his old SIM card suddenly stopped working. Initially suspecting a network issue, he approached a telecom service center, only to discover something far more serious—his Aadhaar card had been deactivated.

Since Aadhaar authentication was disabled, the SIM card linked to it was also automatically deactivated. This move effectively disconnected him from receiving any banking alerts, OTPs, or transaction messages.

Access to Multiple Bank Accounts

Police investigations revealed that cybercriminals deliberately deactivated the Aadhaar authentication to ensure a smooth execution of the crime. With no alerts reaching the victim, fraudsters gained unauthorized access to his bank accounts, including those with HDFC Bank and State Bank of India (SBI).

No OTP, Yet Money Gone

One of the most disturbing aspects of this case is that the criminals did not require any OTP to transfer money. Despite the usual safeguards, a large sum was withdrawn and transferred without any verification reaching the account holder.

As reported by The Times of India, investigators found that the fraudsters had already collected crucial details such as Aadhaar information and bank account data before executing the scam. After blocking Aadhaar authentication and disabling the SIM card, the criminals ensured the victim remained completely unaware. During this time, ₹3.09 lakh was transferred to multiple bank accounts.

Authorities Respond and Issue Warning

Following the incident, Nadiad police, along with banks and telecom companies, began tracing the accounts where the stolen money was transferred. Officials have confirmed that this method represents a new and evolving cybercrime strategy.

What You Should Do to Stay Safe

Police have issued a clear warning to the public. If your mobile network suddenly disappears without explanation, or if you notice anything unusual related to your Aadhaar, SIM card, or bank accounts, take immediate action. Inform your bank right away and contact the national cybercrime helpline by dialing 1930.