#FactCheck -AI-Generated Video Falsely Claims Iran Unveiled B-2-Like Drone During War

Introduction

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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

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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

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 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

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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. 

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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 

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Executive Summary:

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A viral social media claim alleges that India’s Chief of Defence Staff (CDS), General Anil Chauhan, praised Pakistan’s Army as superior during “Operation Sindoor.” Fact-checking confirms the claim is false. The original video, available on The Hindu’s official channel, shows General Chauhan inaugurating Ran-Samwad 2025 in Mhow, Madhya Pradesh. At the 1:22:12 mark, the genuine segment appears, proving the viral clip was altered. Additionally, analysis using Hiya AI Audio identified voice manipulation, flagging the segment as a deepfake with an authenticity score of 1/100. The fabricated statement was: “never mess with Pakistan because their army appears to be far more superior.” Thus, the viral video is doctored and misleading.

Claim:

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A viral claim is being shared on social media (archived link) falsely claiming that India’s Chief of Defence Staff (CDS), General Anil Chauhan described Pakistan’s Army as superior and more advanced during Operation Sindoor. 

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Fact Check:

After performing a reverse image search we found a full clip on the official channel of The Hindu in which  Chief of Defence Staff Anil Chauhan inaugurated ‘Ran-Samwad’ 2025 in Mhow, Madhya Pradesh. 

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In the clip on the time stamp of 1:22:12 we can see the actual part of the video segment which was manipulated in the viral video. 

Also, by using Hiya AI Audio tool we got to know that the voice was manipulated in the specific segment of the video. The result shows Deepfake with an authenticity score 1/100, the result also shows the statement which is deepfake which was “ was to never mess with Pakistan because their army appears to be far more superior”. 

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Conclusion:

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The viral video attributing remarks to CDS General Anil Chauhan about Pakistan’s Army being “superior” is fabricated. The original footage from The Hindu confirms no such statement was made, while forensic analysis using Hiya AI Audio detected clear voice manipulation, identifying the clip as a deepfake with minimal authenticity. Hence, the claim is baseless, misleading, and an attempt to spread disinformation.

• Claim: AI Generated audio of CDS admitting that the Pakistan Army is superior to the Indian Army. 
• Claimed On: Social Media
• Fact Check: False and Misleading

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Introduction

Deepfake have become a source of worry in an age of advanced technology, particularly when they include the manipulation of public personalities for deceitful reasons. A deepfake video of cricket star Sachin Tendulkar advertising a gaming app recently went popular on social media, causing the sports figure to deliver a warning against the widespread misuse of technology.

Scenario of Deepfake

Sachin Tendulkar appeared in the deepfake video supporting a game app called Skyward Aviator Quest. The app's startling quality has caused some viewers to assume that the cricket legend is truly supporting it. Tendulkar, on the other hand, has resorted to social media to emphasise that these videos are phony, highlighting the troubling trend of technology being abused for deceitful ends.

Tendulkar's Reaction

Sachin Tendulkar expressed his worry about the exploitation of technology and advised people to report such videos, advertising, and applications that spread disinformation. This event emphasises the importance of raising knowledge and vigilance about the legitimacy of material circulated on social media platforms.

The Warning Signs

The deepfake video raises questions not just for its lifelike representation of Tendulkar, but also for the material it advocates. Endorsing gaming software that purports to help individuals make money is a significant red flag, especially when such endorsements come from well-known figures. This underscores the possibility of deepfakes being utilised for financial benefit, as well as the significance of examining information that appears to be too good to be true.

How to Protect Yourself Against Deepfakes

As deepfake technology advances, it is critical to be aware of potential signals of manipulation. Here are some pointers to help you spot deepfake videos:

• Look for artificial facial movements and expressions, as well as lip sync difficulties.
• Body motions and Posture: Take note of any uncomfortable body motions or discrepancies in the individual's posture.
• Lip Sync and Audio Quality: Look for mismatches between the audio and lip motions.
• background and Content: Consider the video's background, especially if it has a popular figure supporting something in an unexpected way.
• Verify the legitimacy of the video by verifying the official channels or accounts of the prominent person.

Conclusion 

The popularity of deepfake videos endangers the legitimacy of social media material. Sachin Tendulkar's response to the deepfake in which he appears serves as a warning to consumers to remain careful and report questionable material. As technology advances, it is critical that individuals and authorities collaborate to counteract the exploitation of AI-generated material and safeguard the integrity of online information.

Reference 

• https://www.news18.com/tech/sachin-tendulkar-disturbed-by-his-new-deepfake-video-wants-swift-action-8740846.html 
• https://www.livemint.com/news/india/sachin-tendulkar-becomes-latest-victim-of-deepfake-video-disturbing-to-see-11705308366864.html 

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