Srinagar | Cybercrime has emerged as one of the fastest-growing threats in the country, with more than 18,000 complaints related to cyber fraud recorded during 2025. The figures include a significant number of cases from Jammu and Kashmir, underscoring the scale and reach of digital financial crimes as online transactions and digital services continue to expand across regions.
Data available for the year indicate that cyber fraud resulted in losses running into hundreds of crores nationwide. In Jammu and Kashmir alone, reported cyber frauds accounted for losses of ₹184.91 crore during 2025. Of this amount, around ₹32.64 crore was successfully recovered, largely due to timely reporting by victims and swift intervention during the early stages of fraud.
Investigators point out that the first few hours after a cyber fraud are critical. Often referred to as the “golden hour,” this window offers the best chance to freeze suspicious transactions and prevent the money from being siphoned off through multiple accounts. Delays in reporting, officials note, allow fraudsters to move funds rapidly across banking channels and digital wallets, making recovery far more difficult.
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The steady rise in cybercrime has prompted repeated advisories urging citizens to exercise caution while using digital platforms. Fraudsters are increasingly relying on phone calls, video calls, fake links, fraudulent applications and impersonation tactics to deceive victims. False claims of legal action, government scrutiny or account verification are commonly used to create panic and push individuals into transferring money.
Senior citizens, first-time digital users and those with limited technical awareness remain among the most vulnerable. Experts say cybercriminals deliberately target such groups, knowing that fear, urgency and lack of familiarity with digital processes can override rational decision-making.
Authorities have warned users against clicking on unknown links or downloading applications from unverified sources. Such actions can lead not only to financial loss but also to data theft, unauthorised access to bank accounts and misuse of personal information. In several cases, victims have reported that their devices were compromised soon after interacting with suspicious links or files.
Another growing concern is the misuse of so-called “mule accounts.” In many instances, individuals are lured or coerced into allowing their bank accounts to be used for transactions linked to cyber fraud. These accounts are then used to route stolen money, exposing account holders to legal trouble even if they were not directly involved in the crime.
Cybersecurity experts stress that no legitimate government or investigative process involves demanding money over phone or video calls, or threatening arrest for non-compliance during such interactions. Any call or message asking for immediate fund transfers under the guise of official action should be treated as suspicious and ignored.
Victims and potential victims are being encouraged to act without hesitation at the first sign of fraud. The national cybercrime helpline number 1930 has been highlighted as a key resource for reporting incidents. Complaints can also be lodged online, enabling faster coordination between banks and cybercrime units to block or trace fraudulent transactions.
Recent cases have shown that early reporting not only improves the chances of recovering stolen funds but also helps authorities identify patterns and dismantle organised cybercrime networks. Information shared by victims often plays a crucial role in linking multiple cases that follow similar methods.
Experts caution that enforcement action alone cannot curb the growing menace of cyber fraud. Sustained efforts to improve digital literacy and public awareness are essential. Educational institutions, residential communities and local organisations are being urged to conduct regular awareness programmes focused on safe online practices and emerging cyber threats.
The rising numbers serve as a reminder that while digital technology has made daily life more convenient, it has also introduced new risks. Vigilance, informed decision-making and prompt reporting remain the most effective tools for citizens to protect themselves from financial and emotional distress caused by cybercrime.
About the author — Suvedita Nath is a science student with a growing interest in cybercrime and digital safety. She writes on online activity, cyber threats, and technology-driven risks. Her work focuses on clarity, accuracy, and public awareness.
