#FactCheck - "Viral Video Misleadingly Claims Surrender to Indian Army, Actually Shows Bangladesh Army”
Executive Summary:
A viral video has circulated on social media, wrongly showing lawbreakers surrendering to the Indian Army. However, the verification performed shows that the video is of a group surrendering to the Bangladesh Army and is not related to India. The claim that it is related to the Indian Army is false and misleading.
Claims:
A viral video falsely claims that a group of lawbreakers is surrendering to the Indian Army, linking the footage to recent events in India.
Fact Check:
Upon receiving the viral posts, we analysed the keyframes of the video through Google Lens search. The search directed us to credible news sources in Bangladesh, which confirmed that the video was filmed during a surrender event involving criminals in Bangladesh, not India.
We further verified the video by cross-referencing it with official military and news reports from India. None of the sources supported the claim that the video involved the Indian Army. Instead, the video was linked to another similar Bangladesh Media covering the news.
No evidence was found in any credible Indian news media outlets that covered the video. The viral video was clearly taken out of context and misrepresented to mislead viewers.
Conclusion:
The viral video claiming to show lawbreakers surrendering to the Indian Army is footage from Bangladesh. The CyberPeace Research Team confirms that the video is falsely attributed to India, misleading the claim.
- Claim: The video shows miscreants surrendering to the Indian Army.
- Claimed on: Facebook, X, YouTube
- Fact Check: False & Misleading
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Introduction
The courts in India have repeatedly emphasised the importance of “enhanced customer protection” and “limited liability” on their part. The rationale behind such imperatives is to extend security against exploitation by institutions that are equipped with all the means to manipulate customers. India, with its looming financial literacy gaps that have to be addressed, needs to curb any manipulation on the part of banking institutions. Various studies have highlighted this gap in recent times; for example, according to the National Centre for Financial Education, only 27% of Indian people are financially literate, which is much less than the 42% global average. With only 19% of millennials exhibiting sufficient financial awareness yet expressing high trust in their financial skills, the issue is very worrisome. Thus, the increasing number of financial frauds intensifies the issue.
Zero Liability in Cyber Frauds: Regulatory Safeguards for Digital Banking Customers
In light of the growing emphasis on financial inclusion and consumer protection, and in response to the recent rise in complaints regarding unauthorised debits from customer accounts and cards, the framework for assessing customer liability in such cases has been re-evaluated. The RBI’s circular dated July 6, 2017 titled “Customer Protection-Limited Liability of Customers in Unauthorised Electronic Banking Transactions” serves as the foundation for regulatory protections for Indian customers of digital banking. A clear and organised framework for determining customer accountability is outlined in the circular, which acknowledges the exponential increase in electronic transactions and related scams. It assigns proportional obligations for unauthorised transactions resulting from system-level breaches, client carelessness, and bank contributory negligence. Most importantly it establishes the zero responsibility concept, which protects clients from monetary losses in cases when the bank or another system component is at fault and the client promptly reports the breach.
This directive’s sophisticated approach to consumer protection is what makes it unique. It requires banks to set up strong fraud prevention systems, proactive alerting systems, and round-the-clock reporting systems. Furthermore, it significantly alters the power dynamics between financial institutions and customers by placing the onus of demonstrating customer negligence completely on the bank. The circular emphasises prompt reversal of funds to impacted customers and requires banks to implement Board-approved policies on liability to redress. As a result, it is a consumer rights charter rather than just a compliance document, promoting confidence and financial accountability in India’s digital banking sector.
Judicial Endorsement in Reinforcing the Zero Liability Principle
In the case of Suresh Chandra Negi & Anr. v. Bank of Baroda & Ors. (Writ (C) No. 24192 of 2022) The Allahabad High Court reaffirmed that the burden of proving consumer accountability rests firmly on the banking institution, hence reaffirming the zero liability concept in circumstances of unapproved electronic banking transactions. The Division bench emphasised the regulatory requirement that banks provide adequate proof before assigning blame to customers, citing Clause 12 of the RBI’s circular dated June 6, 2017, Customer Protection—Limited Liability of Customers in Unauthorised Electronic Banking Transactions. In a similar scenario, the Bombay HC held that a customer is entitled to zero liability when an authorized transaction occurs due to a third-party breach, where the deficiency lies neither with the bank nor the customer, provided the fraud is promptly reported.
The zero liability principle, as envisaged under Clause 8 of the RBI circular, has emerged as a cornerstone of consumer protection in India’s digital banking ecosystem.
Another landmark judgment that has given this principle the front stage in addressing banking frauds is Hare Ram Singh vs RBI &Ors. (W.P. (C) 13497/2022) laid down by Delhi HC which is an important legal turning point in the development of the zero liability principle under the RBI’s 2017 framework. The court reiterated the need to evaluate customer diligence in light of new fraud tactics like phishing and vishing by holding the State Bank of India (SBI) liable for a cyber fraud incident even though the transactions were authenticated by OTP. The ruling made it clear that when complex social engineering or technical manipulation is used, banks are nonetheless accountable even if they only rely on OTP validation. The legal protection provided to victims of unauthorised electronic banking transactions is strengthened by the court’s emphasis on the bank having the burden of evidence in accordance with RBI standards.
Importantly, this ruling lays the full burden of securing digital banking systems on financial organisations and supports the judiciary’s increasing acknowledgement of the digital asymmetry between banks and consumers. It emphasises that prompt consumer reporting, banks’ failure to disclose important credentials, and their own operational errors must all be taken into consideration when determining culpability. As a result, this decision establishes a strong precedent that will increase consumer confidence, promote systemic advancements in digital risk management, and better integrate the zero liability standard into Indian digital banking law. In a time when cyber vulnerabilities are growing, it acts as a beacon for financial accountability.
Conclusion
The Zero Liability Principle serves as a vital safety net for customers navigating an increasingly intricate and precarious financial environment in a time when digital transactions are the foundation of contemporary banking. In addition to codifying strong safeguards against unauthorized electronic transactions, the RBI’s 2017 framework rebalanced the fiduciary relationship by putting financial institutions squarely in charge. Through significant rulings, the courts have upheld this protective culture and emphasised that banks, not the victims of cybercrime, bear the burden of proof.
It would be crucial to execute these principles consistently, review them frequently, and raise public awareness as India transitions to a more digital economy. In order to ensure that consumers are not only protected but also empowered must become more than just a policy on paper.
References
- https://www.business-standard.com/content/specials/making-money-vs-managing-money-india-s-critical-financial-literacy-gap-125021900786_1.html
- https://www.livelaw.in/high-court/allahabad-high-court/allahabad-high-court-ruling-bank-liability-unauthorized-electronic-transaction-and-customer-fault-297962
- https://www.mondaq.com/india/white-collar-crime-anti-corruption-fraud/1635616/cyber-law-series-2-issue-10-the-zero-liability-principle-in-cyber-fraud-hare-ram-singh-v-reserve-bank-of-india-ors-case
An image showing a damaged statue of Mahatma Gandhi, broken into two pieces, is being widely shared on social media. The image shows Gandhi’s statue with its head separated from the body, prompting strong reactions online.
Social media users are claiming that the incident occurred in Bangladesh, alleging that Mahatma Gandhi’s statue was deliberately vandalised there. The image is being described as a recent incident and is being circulated across platforms with provocative and inflammatory captions.
Cyber Peace Foundation’s research and verification found that the claim being shared online is misleading. Our rsearch revealed that the viral image is not from Bangladesh. The image is actually from Chakulia in Uttar Dinajpur district of West Bengal, India
Claim:
Social media users claim that Mahatma Gandhi’s statue was vandalised in Bangladesh, and that the viral image shows a recent incident from the country.One Facebook user shared the video on 19 January 2026, making derogatory remarks and falsely linking the incident to Bangladesh. The post has since been widely shared on social media platforms. (Archived links and screenshots are available.)
Fact Check:
Our research revealed that the viral image is not from Bangladesh. The image is actually from Chakulia in Uttar Dinajpur district of West Bengal, India. To verify the claim, we conducted a reverse image search using Google Lens on key frames from the viral video. This led us to a report published by ABP Live Bangla on 16 January 2026, which featured the same visuals. Link and screenshot
According to ABP Live Bangla, the statue of Mahatma Gandhi was damaged during a protest in Chakulia. The statue’s head was found separated from the body. While a portion of the broken statue remained at the site on Thursday night, it was reported missing by Friday morning. The report further stated that extensive damage was observed at BDO Office No. 2 in Golpokhar. Gandhi’s statue, located at the entrance of the administrative building, was found broken, and ashes were discovered near the premises. Government staff were seen clearing scattered debris from the site.
The incident reportedly occurred during a SIR (Special Intensive Revision) hearing at the BDO office, which was disrupted due to vandalism. In connection with the violence and damage to government property, 21 people have been arrested so far. In the next stage of verification, we found the same footage in a 16 January 2026 report by local Bengali news channel K TV, which also showed clear visuals of the damaged Mahatma Gandhi statue. Link and screenshot.
Conclusion:
The viral image of Mahatma Gandhi’s broken statue does not depict an incident from Bangladesh. The image is from Chakulia in West Bengal’s Uttar Dinajpur district, where the statue was damaged during a protest.
Executive Summary
Following the tragic cruise accident at Bargi Dam in Jabalpur, a heartbreaking image of a woman lying unconscious in a river with a child resting on top of her has gone viral on social media. Users are claiming that the picture shows victims of the recent Bargi Dam accident. Research by CyberPeace Research Wing found that the viral claim is false. The circulating image was created using AI (Artificial Intelligence) and is now being misleadingly linked to the real tragedy. However, reports indicate that a similar real-life image of a mother and child did emerge after the accident.
Claim
An X user shared the viral image on May 1, 2026, claiming that despite wearing a life jacket, the mother lost her life while trying to save her child. The emotional post praised mothers’ sacrifice and linked the image directly to the Bargi Dam cruise mishap An X user shared the viral image on May 1, 2026, claiming that despite wearing a life jacket, the mother lost her life while trying to save her child. The emotional post praised mothers’ sacrifice and linked the image directly to the Bargi Dam cruise mishap
Fact Check
To verify the claim, we searched relevant keywords on Google but found no credible news reports connecting the viral image to the Bargi Dam accident. A closer examination of the image revealed multiple visual inconsistencies. The hands of the woman and child appear unnaturally merged at one point, while the woman’s eyebrows seem split into two sections. Such distortions are common indicators of AI-generated imagery.
We then analyzed the picture using AI detection tool Hive Moderation, which estimated nearly a 90% probability that the image was AI-generated.
During the research , we also found a clarification post from the official Facebook account of the Jabalpur District Collector, who stated that the viral image was AI-generated or sourced elsewhere and had no connection with the Bargi cruise accident.
According to a report published by NDTV on May 2, 2026, the accident occurred on April 30 near Khamaria Island when an overloaded tourist cruise capsized amid strong winds, heavy rain, and rising waves. At least nine people died, while 28 others were rescued.
Conclusion
Our research confirms that the viral mother-child image being linked to the Bargi Dam tragedy is fake. The picture was created using AI and falsely circulated in connection with the real cruise accident.
