#FactCheck! Viral Image Claiming Virat Kohli and Rohit Sharma Visited Kedarnath Is AI-Generated

Introduction

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In October 2024, when the comedian's phone rang, and the voice at the other end claimed to be a FedEx representative, comedian Ankita Shrivastav thought it was a simple issue of misdelivery or customer grievance. The caller said that a parcel in her name was detected being shipped to Iraq and contained illegal drugs. The phone was soon handed over to what appeared to be police personnel in uniform, and she was told that she was under investigation and placed under a so-called digital arrest. For seven hours, she was ordered not to disconnect the call, leave her home, or contact anyone. Through fear, authority, constant surveillance, and psychological pressure, the scammers coerced her into transferring ₹9 lakh in the FedEx parcel scam.

This is the anatomy of one of India's fastest-spreading cyber frauds, and it is costing victims everything.

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The Modus Operandi

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The most concerning part is the sheer consistency of the script. It usually starts with an unsolicited call, made on a spoofed number that could show up as a legitimate courier or government agency. The caller acts as a FedEx/DTDC executive and claims that a parcel dispatched in the victim’s name to either Taiwan, Iraq, Thailand, or Cambodia has been intercepted and contains drugs, forged passports, or fake credit cards.

As the victim tries to establish that they have no knowledge of this, the scammers smoothly shift the conversation to someone must have impersonated the victim’s Aadhaar number. The victim is now both accused and victim and, therefore, more easily manipulated.

The call is "transferred" to a fake NCB officer or cybercrime cell official. The victim sees a person dressed in uniform seated behind a mock police station set with official-looking documents scattered on the desk. A fake arrest warrant that carries the victim’s real name, address, and Aadhaar number, presumably acquired from stolen databases, is presented to the victim.

This is what the scammers call the "digital arrest." The victim is commanded not to move from the camera, nor leave the house, nor speak to anybody. Scammers take turns monitoring the call, who eventually ask the victim to transfer cash into a "secure government account" for RBI or CBI verification. 

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The Psychology of Fear

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"The art of scamming is psychological rather than technological," journalist and author Soumya Gupta opines. The scammers use two deeply primal fears: the fear of the police and the fear of social disgrace. Their victims are manipulated into believing that ending the call is tantamount to pleading guilty and that confessing to friends and family will only exacerbate their current circumstances. The victims' isolation is deliberately induced and combined with fatigue and disorientation.

"From a young age, we are taught to be scared of the police and not to question them,” comedian Ankita Shrivastav, who fell victim in October 2024, explains that childhood condition silenced the alarm bells ringing in my head. Shrivastav admitted that her fear of damage to her reputation made her more susceptible to the scam.

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The Human Cost

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The FedEx parcel scam is targeting everyone, irrespective of age, income, background, or education. Victims of this scam show the kind of different people they are: A 70-year-old veteran journalist was psychologically tortured for eight days in Bangalore, losing 1.2 crores, whereas a 61-year-old retired executive of a multinational was video watched for almost a fortnight in Bangalore, losing 9.14 crores, and additionally, a 25-year-old woman lost 10 lakhs through a video call scam in Coimbatore.

Such a varied mix of victims in such different cases suggests how hard it is to stereotype the ones being swindled: there can be individuals of different age groups ranging from 25 to 70 years old, both educated and non-educated.

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Why the Scam Is Spreading?

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This FedEx parcel scam is a result of a highly industrialised, sophisticated cybercrime system. The National Cyber Crime Reporting Portal records over 45,000 complaints tagged as specifically 'courier-impersonation fraud' in 2024 alone, where a 1,200-crore loss was registered in that category. 

This scam is powered by stolen Personal Identifiable Information (PII), illegally gathered by scammers through compromised e-commerce stores and rogue registry sites. This data enables the scammers to personalise and tailor the conversation to each individual to make it more believable. Furthermore, fake arrest warrants can be produced within minutes using official-looking templates, and the scammers utilise AI voice cloning and deep-fake videos of government officials. Vast networks of call centres (some based out of India and some overseas, including scam compounds in Cambodia and Myanmar) operate this scam with teams working in shifts. Money is quickly laundered into accounts of 'mule' account holders and quickly into cryptocurrency wallets. Post 24 hours of receiving the funds, recovering money is nearly impossible.

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What You Must Do If You Get This Call?

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One should always remember: no genuine government official will ever carry out an arrest over a video call. There is no "digital arrest," and this process has absolutely no basis in Indian law. If you do get such a call:

• Cut the call immediately: The scammers have you where they want you if you stay on the line. It is not illegal to hang up on them.
• Do not transfer money under threat or compulsion: No authentic investigative process ever requires you to move money to a "secure government account."
• Never share: your Aadhaar details, bank details, OTP, or passwords with anyone you speak to on the phone.
• Do not provide video statements: Whatever you say can be recorded and used to blackmail you further.
• Verify information independently: Call FedEx India (1800-22-6161) or any courier company using numbers from their official website, never numbers provided to you by the caller.
• Lock: your UPI, cards and Aadhaar biometrics instantly if you feel you have shared information with them.
• Call: 1930 within an hour of money transfer. The rate of recovery is 40-60% within one hour and less than 5% after 24 hours.
• File a complaint at cybercrime.gov.in and an FIR at your local cyber police station.
• Tell someone: Isolation is the scammer's greatest tool. Breaking it breaks the scam

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Conclusion

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The FedEx parcel scam is also based on a very basic human reaction: the fear of being accused, the urge to obey any figure that represents authority, and the desire to avoid public humiliation. It is designed to skip any part of the brain that may be used to rationalise anything. The only real prevention is to realise, before answering, that the call is never about the FedEx parcel, never from FedEx.

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References

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• https://www.aol.com/news/fedex-says-parcel-drugs-scam-220400617.html
• https://righttoinformation.wiki/fedex-courier-scam-recovery
• https://www.thenewsminute.com/karnataka/beware-of-fedex-scam-bengaluru-journalist-loses-rs-12-crore
• https://www.digit.in/news/general/coimbatore-woman-loses-rs-10-lakh-in-shocking-courier-scam-heres-what-happened.html
• https://www.deccanherald.com/india/fedex-courier-scam-a-tale-of-terror-trickery-and-deceit-2804802
• https://www.deccanherald.com/india/karnataka/bengaluru/fedex-frauds-con-scared-retiree-of-rs-9-crore-2810169
• https://www.deccanherald.com/india/karnataka/bengaluru/fedex-frauds-hold-woman-in-digital-captivity-for-8-days-2848168
• https://www.deccanherald.com/india/karnataka/bengaluru/how-to-fight-fedex-courier-scam-2836566
• https://www.businesstoday.in/india/story/fedex-scam-lawyer-blackmailed-424883-2024-04-09
• https://www.ncrb.gov.in/uploads/files/2CrimeinIndia2024-VolumeII.pdf‍
• https://www.newsmobile.in/fraud-and-scam/indian-comedian-falls-victim-to-fedex-digital-arrest-scam-loses-rs-9-lakh/
  

Executive Summary
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A digitally manipulated image of World Bank President Ajay Banga has been circulating on social media, falsely portraying him as holding a Khalistani flag. The image was shared by a Pakistan-based X (formerly Twitter) user, who also incorrectly identified Banga as the President of the International Monetary Fund (IMF), thereby fuelling misleading speculation that he supports the Khalistani movement against India.

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 The Claim

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On February 5, an X user with the handle @syedAnas0101010 posted an image allegedly showing Ajay Banga holding a Khalistani flag. The user misidentified him as the IMF President and captioned the post, “IMF president sending signals to INDIA.” The post quickly gained traction, amplifying false narratives and political speculation. Here is the link and archive link to the post, along with a screenshot:

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• https://x.com/syedAnas0101010/status/2019311908621545647?s=20
• https://archive.ph/DvJnd 

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Fact Check:

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To verify the authenticity of the image, the CyberPeace Fact Check Desk conducted a detailed research . The image was first subjected to a reverse image search using Google Lens, which led to a Reuters news report published on June 13, 2023. The original photograph, captured by Reuters photojournalist Jonathan Ernst, showed Ajay Banga arriving at the World Bank headquarters in Washington, D.C., on June 2, 2023, marking his first day in office. In the authentic image, Banga is seen holding a coffee cup, not a flag.

Further analysis confirmed that the viral image had been digitally altered to replace the coffee cup with a Khalistani flag, thereby misrepresenting the context and intent of the original photograph. Here is the link to the report, along with a screenshot.

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• https://www.reuters.com/business/finance/world-banks-new-chief-banga-sharpen-focus-projects-with-measurable-impact-2023-06-13/

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To strengthen the findings, the altered image was also analysed using the Hive Moderation AI detection tool. The tool’s assessment indicated a high likelihood that the image contained AI-generated or manipulated elements, reinforcing the conclusion that the image was not genuine. Below is a screenshot of the result.

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Conclusion

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The viral image claiming to show World Bank President Ajay Banga holding a Khalistani flag is fake. The photograph was digitally manipulated to spread misinformation and provoke political speculation.  In reality, the original Reuters image from June 2023 shows Banga holding a coffee cup during his arrival at the World Bank headquarters. The claim that he supports the Khalistani movement is false and misleading.

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Introduction

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The way we interact, go about our daily lives and manage our financial resources has completely changed in this digital age. Tasks that were earlier done manually (and were extremely time-consuming) now happen in just minutes and seconds. As this convenience expands, so do the risks that come with it. The proliferation of digital technology has opened up a wide arena where we, as users, are getting exposed to a complex environment of emerging cyber threats at every step. This has become especially true for our senior citizens, who face heightened vulnerabilities owing to their age and situational factors. Therefore, getting an understanding of these risks and knowing how to respond to them is no longer optional.

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Cybercrime against senior citizens is rising every year. The elderly today are using and depending on smartphones, net banking, UPI (Unified Payments Interface) and social media more than ever. Scammers are preying on this circumstance and perpetrating well-planned cyber attacks on the senior population. A 2024 report from the United States Federal Trade Commission (FTC) that analysed cybercrime data for the year 2023 found that older adults lost more money per incident as opposed to the younger population. 

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This blog aims at providing practical and easy-to-follow cyber safety tips for senior citizens and a clear action plan on how to respond if they ever fall victim to a scam.

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Safe and Smart Browsing for the Elderly: Essential Cybersecurity Tips

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1. Device safety: Cybersecurity can be ensured with one simple rule, which is securing your device first. This is the first line of defence against cybercrime and can go a long way in preventing online attacks and scams. This device security can be established by using screen locks such as setting up a PIN, lock patterns, fingerprints, or even applying the face lock feature on smartphones and tablets. 

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The next step is to install a reputable antivirus on your device (such as laptops and desktops) and keep updating it from time to time. Enabling additional security features in your devices, such as ‘automatic updates’, further ensures that the phone’s Operating System (OS) and the Applications (apps) remain up to date. This guarantees that the device’s OS and the apps are fully upgraded to catch and fix any new security threats. Users should also beware of any unauthorised software. Suspicious links or messages that offer free software or updates should be avoided at all costs. 

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The Government of India’s 2024 cyber safety booklet also stresses the importance of keeping devices and apps equipped with the latest security patches to prevent exploitation of any known vulnerabilities. 

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2. Robust Passwords and 2FA: Weak passwords are one of the easiest entry points for cybercriminals. This is why it is crucial to have strong and robust passwords to keep accounts and devices absolutely secure. It is also important to make sure to avoid using very basic PINs, such as date of birth or predictable ascending digits such as ‘12345’. Also, similar passwords should not be used across various bank, email or social media accounts. While creating a strong password, ideally, one should use a combination of upper case and lower case letters along with mixed digits and special characters. If need be, one can jot down these complex passwords in a separate physical diary to keep a record and refer to it in case of forgetfulness. 

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Enabling two-factor authentication adds an extra layer of protection. Whenever and wherever possible, users should enable OTP (one-time password) based verification or app-based authentication codes. In case someone does end up stealing the user’s password, they would still need the second factor to log in.

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The Government of India supported the Information Security Education and Awareness (ISEA) initiative, which also provides guidelines that recommend the use of passwords and secure authentication as key cyber safety practices for senior citizens.

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3. Handle messages with caution: Most cybercrime instances against senior citizens are initiated with a phone call, an SMS or a WhatsApp message. Personal details such as OTPs, CVV (3-digit number on the back of a debit/credit card), ATM or UPI PIN, full debit/credit card number, net banking ID and password, etc., should never be shared over a call or a chat. Also, people need to be aware of the fact that genuine officials will never make any demands for such details over calls or messages. ISEA has specifically warned about frauds like phishing, where fraudsters call or message their victims pretending to be from banks, courier companies, telecom operators or from the government to trick seniors into revealing their personal details.

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A caller might say ‘Your KYC can get blocked, give OTP now’ or ‘Your card will get deactivated, click this link’. Hang up immediately! Do not click any links, do not share any number and do not install any app that they suggest (eg. remote access apps).

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4. Banking without worries: Online banking is truly a boon, especially for senior citizens. It eliminates the need to visit the bank in person for every small requirement. But this comfort and ease can serve us well only if we use it with a certain sense of vigilance and responsibility. 

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Users are advised to use only official banking apps that are downloaded from Google Play Store or the Apple App Store. It is also prudent to activate SMS or email alerts for all online transactions so that the user receives timely notifications of any withdrawal or transfer. Users should also avoid using public Wi-Fi connections for banking or UPI payments. It is better  to use your own mobile data or a home Wi-Fi with a strong password. This safeguards your financial transactions. India has a system in place called the Citizen Financial Cyber Fraud Reporting and Management System (CFCFRMS) that quickly responds to online financial fraud, especially with regards to UPI and net banking frauds.

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5. Think before you share: Beyond online banking and other essential activities on the web, lies the world of social media which has seamlessly woven itself into our daily routines. Therefore, gaining awareness about the safe usage of social media is extremely important. For starters, users should keep the privacy settings of their social media accounts as ‘Private’. They should also be mindful of accepting friend requests from strangers or unknown profiles, even if they claim that they know the user. Users must also avoid ‘oversharing’ on public platforms and social media accounts. It is always best to refrain from posting about personal details on social media such as finances, travel schedules or addresses. If a user receives urgent messages from a close friend or a relative asking for money, then it is better to first call them up directly to verify that the request is genuine. 

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The older generation should also be wary of fraudsters who, under false identities, build emotional relationships online and then start demanding money, gifts or even private photos from their victims. 

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6. Stay a step ahead: Lastly, senior users can stay a step ahead in this game by familiarising themselves with the typical scams that are targeted towards their age group. This know-how will prepare them to identify scam patterns and early warning signs. Discussing experiences or sharing knowledge with family members or peers can also help seniors bridge the gap between awareness and action.

Fallen for a scam? Don’t panic! Here’s what seniors should do next: An action plan for recovery and protection

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We are all human at the end of the day. Anyone can fall for a scam, even the most careful people. The important thing is how to ‘respond’ after getting scammed. As per the 2023 Internet Crime Complaint Center (IC3) Elder Fraud Report, prompt reporting after a scam can improve the chances of either freezing or retrieving the stolen money. If you have fallen for a scam, here is what you should do:

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1. Keep calm and disconnect: Though it may feel challenging, but the first instinct that victims should display is to keep their calm and hang up the phone. The victim should then block the number and refrain from responding to any further emails or messages. Any remote access app, screen sharing app or a support tool that were installed at the request of the caller, should be instantly uninstalled.

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2. Alert your bank right away: Time is of the essence when it comes to online financial frauds. If a user has been scammed and he is aware of it, then he should immediately call the official customer care number of his bank. It is to be noted here that this number should be verified from the bank’s website or from the user’s credit/debit card. Once the user is connected to the bank’s support staff, he should inform them clearly that he has been a victim of an online fraud. The support staff may guide the user regarding the options that he can undertake. These can be: blocking the cards, freezing the account or an attempt from the bank’s interface to try and stop or recall the recent transaction. 

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The Reserve Bank of India (RBI) has laid down certain guidelines on unauthorised electronic banking transactions that encourage quick reporting and provide a steady framework for customer liability. Also, if in case a victim feels that the bank’s response has been unsatisfactory, the complaints can be further escalated to the RBI Ombudsman.

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3. Reset online credentials: Once the victim has spoken to the bank and taken all necessary steps in that regard, the next step is to reset the passwords. Passwords for netbanking, UPI apps, email accounts, social media, shopping platforms, etc., should all be changed. The victim can also turn on two factor authentication for all important accounts. Incase some critical information like PAN (Permanent Account Number) or Aadhar or SSN (Social Security Number ) has been shared, the victim should be on the lookout for any identity theft in the form of unknown loans, new cards or credit enquiries. 

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4. Notify official cybercrime portals or authorities: The next step is to inform the relevant cybercrime authorities in your region. In India there is a government backed National Cyber Crime Helpline which is a part of the Financial Cyber Fraud Reporting and Management System. The aim of the helpline is to prevent further losses in digital payment frauds. Victims can also file a complaint on the National Cyber Crime Reporting portal. Other than these options, the victim can visit the nearest police station along with copies of their online complaint, bank statements, transaction receipts and ID proofs. 

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In the US, such complaints can be lodged with the IC3 which runs a specialised elder fraud program. The IC3 also publishes the annual Elder Fraud Report and lays down latest guidelines and trends regarding cybercrime.

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5. Preserve proofs of the scam: The IC3’s 2023 report notes that detailed and prompt reporting by the victim enables law enforcement and financial institutions to deploy ‘Financial Fraud Kill Chain’ procedures that help in tracing or freezing stolen funds. This is why it is very important to preserve the evidence of a cyber scam. Proper documentation can help banks and law enforcement agencies to properly investigate a case. If possible, the victim should save all messages, WhatsApp chats, emails, screenshots and voice recordings. Establishing a clear timeline of the events also helps. Minute details such as: when the first call was received, what was said and when the money exited the victim’s account, significantly help in piecing together the full picture. Victims should also keep a record of all bank statements and transaction alert messages related to the fraudulent activity. 

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6. Helping seniors heal: Apart from monetary damage, the emotional impact of a scam should also be acknowledged. Getting scammed can be deeply humiliating for senior citizens, especially at their age where everyday life may already feel quite overwhelming. Also, when it comes to their lifelong savings, the ramifications of becoming a victim of an online financial scam can be quite distressing for seniors. The US Department of Justice’s elder fraud content emphasises on the fact that senior victims need ample emotional support and should not be blamed or shamed for their predicament.

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Families and caregivers can guide the elderly victims step by step through the recovery process which includes taking the necessary technical steps, filling out forms and following up with banks or authorities. For large value frauds, repeated targeting or cases that involve identity theft, getting a legal consult for the victim is highly advisable. This kind of support and reassurance can help seniors reduce their anxiety and regain their inner strength.

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Secure today, safe tomorrow

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The rate of cybercrime against senior citizens isn’t showing any signs of slowing down. Scammers are refining their techniques every day. Therefore, the best long standing defence against cybercrime is to make cyber safety a regular habit. This can be achieved with the support of families, caregivers and communities. Beyond the practical steps, spreading awareness and maintaining an open dialogue is equally important. Senior citizens should feel comfortable asking questions, sharing concerns and continue learning from experiences, be it theirs or of others. Reinforcement of safe online practices should become ingrained at the core of every society. When cybersecurity practices merge with everyday life, seniors gain both protection and confidence. Simple and steady digital safety practices that come with guidance and reassurance empower the seniors to enjoy the benefits of technology without fear.

Simply put, the habits that are adopted today will lay the foundation for a secure and safer digital tomorrow.

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References  

• https://bankingjournal.aba.com/2024/11/ftc-older-adults-lost-up-to-61-5b-to-fraud-in-2023/
• https://www.cert-in.org.in/PDF/CSH_Booklet.pdf
• https://infosecawareness.in/concept/cyber-security-tips-for-senior-citizens
• https://cybercrime.gov.in/UploadMedia/instructions_citizenreportingcyberfrauds.pdf
• https://www.ic3.gov/annualreport/reports/2023_ic3elderfraudreport.pdf
• https://www.arklegal.in/post/how-to-report-cyber-crime-in-india
• https://www.pib.gov.in/Pressreleaseshare.aspx?PRID=1814120
• https://cybercrime.gov.in/Webform/crmcondi.aspx
• https://www.justice.gov/archives/stopfraud-archive/elder-fraud-and-financial-exploitation
• https://www.ftc.gov/system/files/ftc_gov/pdf/federal-trade-commission-protecting-older-adults-report_102024.pdf
• https://www.unionbankofindia.bank.in/pdf/cyber-security-customer-awareness-guide-vol-v.pdf
• https://cdnbbsr.s3waas.gov.in/s371e09b16e21f7b6919bbfc43f6a5b2f0/uploads/2024/11/20241111752149945.pdf
• https://www.dsci.in/files/content/documents/2024/CSAM24-Infographic_Cyber-Safety-Essentials-for-Senior-Citizens-v1.pdf

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