AEPS & Fingerprint clone Scam: Aadhaar dwara Bank se Paise Chori Kaise Hote Hai evam Suraksha Upay

AEPS Scam aur AEPS Clone Scam – Kya Hai aur isse Kaise bacha jaye

AEPS (Aadhaar Enabled Payment System) ek digital banking seva hai jahan aap Aadhaar number aur biometric (fingerprint/iris) se paise nikal sakte hain, balance dekh sakte hain, deposit kar sakte hain, fund transfer kar sakte hain​medianama.com. Ye khas taur par rural aur door-daraz ke ilako me logon ko bank se judi basic sewayein dene ke liye banaya gaya. Lekin isme SMS/OTP ki zaroorat nahi hoti, sirf fingerprint se hi transaction ho jata hai​indianexpress.com. Isi wajah se fraudsters ne isme galat tarike nikal liye hain.

AEPS Scam Kya Hai?

AEPS scam me fraudsters aapka Aadhaar card number aur biometric data (fingerprint) chura kar aapke bank account se bina aapki ijazat ke paise nikal lete hain​axisbank.com​indianexpress.com. Bahut se cases me scammers aksar land records (jahan Aadhaar ki photocopy maujood hoti hai) ya property documents se fingerprint clone kar lete hain​axisbank.com​tribuneindia.com. Phir wo AePS device (micro-ATM) ke through aapke account se withdrawal kar lete hain.

Example: 2023 me hua ek case Kolkata ka – wahan police ne 5 logon ko giraftaar kiya jinhone ek aadmi ke fingerprints ka fake (cloned) model banakar uske bank account se ₹28,900 chura liye​indiatoday.in​indiatoday.in. Complaint dene par pata chala ki fraudsters ne shuruat me Aadhaar number aur bank details chura li, phir victim ke fingerprint ka silicon clone bana kar AePS machine me use kiya. Is case me police ne cloned fingerprints ke samples, Aadhaar photocopy, bank cards wagairah bhi pakde​indiatoday.in.

Example (Kolkata, Oct 2023): 46 saal ke Tushar Mukherjee ne complain kiya ki 15 Jan 2025 ko unke Aadhaar se ₹28,900 khate se bina unki ijazat ke nikal liye gaye. Fraudsters ne unke fingerprint ko fake tarike se bana kar AePS transaction kiya​indiatoday.in​indiatoday.in.

AEPS scam me ye khas baat hai ki OTP/SMS ki jarurat nahi, sirf fingerprint ki scanning se paise nikal lete hain​indianexpress.com. Isi liye agar aapne ghalati se apna fingerprint kisi galat Aadhaar device me de diya, to scam ho sakta hai. Fraudsters aksar aise cases me ya to aapka fingerprint physically chura lete hain (aankh band karwa ke ya kisi aise kamre me le ja ke jahan device ho) ya phir fake finger banate hain.

AEPS Clone Scam Kya Hai?

AEPS Clone Scam me fraudsters aapke asli fingerprint ki nakal (clone) bana lete hain – matlab ek rubber/dummy finger ya silicon fingerprint tyaar karte hain, jo aapke fingerprint jaisa hota hai​hindustantimes.com​timesofindia.indiatimes.com. Fir us fake finger se AePS machine me aapki identity verify kar ke paise nikal dete hain.

• Dummy/Rubber Finger: Jaise ki Ministry of Home Affairs ne bataya, kuch fraudsters dummy fingers (rubber fingers) ka use karke AePS se paise nikaal rahe hain​hindustantimes.com. Ye rubber fingers khaaskar bank ke biometric device me chala jata hai aur transaction ho jata hai.
• Butter Paper Aur Polymer: Ek common tareeka hai property documents par chipke fingerprints ko butter paper ya wax paper se copy karna, phir photopolymer spray aur UV light se ek rubber stamp (mold) banana​timesofindia.indiatimes.com. Isse milte-julte clones ban jate hain jo 70% cases me kaam karte hain.
• CSC Operator Ka Fraud: Bihar me Nawada district me pakda gaya ek gang me ek CSC (Common Service Centre) operator aur ek bank sweeper shamil the. CSC operator logo se Aadhaar liye, register par unka angutha lagwaya aur woh data le gaya. Bank sweeper ne phir unka fingerprint clone banaya aur AePS transaction karke paise nikal liye​livehindustan.com. Police ne bataya ki ye dono pichle 2 saal se is fraud me lage hue the.

ตัวzahan (Nawada, Oct 2023): Nawada police ne ek gang ke do sadasyon ko giraftaar kiya. Ek CSC operator (Dilip Kumar) ne logon ke Aadhaar par angutha lagwakar unki biometric detailein li, aur bank ke safai karmachari (Kunal Kumar) ne unka fingerprint clone bana diya. Dono mil kar pichle do saal se logon ke bank accounts se AePS ke through fraud karte rahe​livehindustan.com.

Scammers ke Kaam Karne ke Tarike (Tricks)

Scammers apne fraud me in tariko ka istemal karte hain:

• Aadhaar Details Chori: Scammers bank se phone karke ya email karke kehte hain ki aapka account bandh hone wala hai, phir OTP bolkar pauseed karwa kar Aadhaar details nikal lete hain. Fir landing page ya register ke through fingerprint nakal le lete hain​axisbank.com​cyberpeace.org.
• Biometric Data Leakage: Kuch websites ya documents par logon ke fingerprints padhe hue mil jate hain (jaise land sale deeds, property records). Fir unko photopolymer se duplicate bana lete hain​timesofindia.indiatimes.com​tribuneindia.com.
• Fake Bank/CSC Agents: Scammers khud ko bank ya CSC agent batakar aapke ghar aa sakte hain. Wo kehte hain Aadhaar update karna hai, ya subsidy ke liye scan karna hai. Aap fingerprint de dete hain, aur ve aapke account se paise nikal lete hain​livehindustan.com​axisbank.com. CSC operator ne logon se register me angutha lagwaya, jisse fingerprint clone ban gaya​livehindustan.com.
• Police ya Sarkari Officer Ka Dhoka: Kabhi kabhi ye log police, CBI, ya government official banna ke bhi fraud karte hain (jaise electricity bill, traffic challan, etc). Wo kehte hain aapki Aadhaar system me koi gadbad hai, fingerprint le kar uska galat istemal kar sakte hain. Dhyan rahe, RBI ya Sarkar kisi bhi aankh-lagwaane waali seva ke liye aapke fingerprint nahi maangti.
• Mobile App Accounts: Fraudsters online wallets ya UPI apps me fake account banate hain. Aadhaar se linked accounts jodne ke baad, fingerprint clone se paise wahan bhejkar apne bank me transfer kar lete hain​timesofindia.indiatimes.com​tribuneindia.com.

Sarkari Niyam aur Bank Nirdesh (2024-25 Updates)

Bharatiya Sarkar aur RBI iss problem se nipatne ke liye nai guidelines la rahe hain:

• Aadhaar Biometrics Lock: UIDAI ne Aadhaar lock facility di hui hai. Agar aap apni biometric lock kar dete hain, to aapko hi dobara unlock karna padega tabhi AePS me fingerprint use ho sakta hai​indianexpress.com. Ye ek zaruri suraksha upay hai.
• RBI Ke Draft Niyam: RBI ne July 2024 me banks ke liye draft directions jari kiye jisme AePS touchpoint operators ka sakht KYC karne ka nirdesh hai​indianexpress.com​medianama.com. Ab banks ko AePS agents ka vetan (salary slip, passport, PAN etc) sab verify karna padega aur Aadhaar offline authenticate karna padega​medianama.com​indianexpress.com.
• AePS Agent ek Bank se Judegaa: Draft rules me yeh bhi hai ki ek AePS agent sirf ek bank se hi associated ho sakta hai​indianexpress.com. Isse multiple banks ke sath chipak ke fraud karna mushkil hoga.
• Transaction Limits: Govt ne AePS withdrawal limit mahine ke ₹50,000 tak rakh diya hai​indianexpress.com. Is se ek hi account se adhik paisa ek baar me nikalna mushkil ho jayega.
• Accounts Disable Karna: RBI aur NPCI ne banks ko kaha hai ki agar kisi account me pichle 12 mahine se koi AePS transaction na hua ho to AePS facility disable kar di jaye​hindustantimes.com (except PMJDY, DBT accounts wagairah). Yadi aap AePS regularly nahi use karte, to bank se disable karwa sakte hain.
• Khata Suraksha (Biometric KYC): Aadhaar ke badalne walon (ageing) ke liye iris scan jaisi technology par bhi kaam ho raha hai​economictimes.indiatimes.com. RBI foreign iris scanning options discuss kar raha hai kyunki umar ke sath fingerprints thode fade ho jaate hain​economictimes.indiatimes.com.

Scam se Bachne ke Tarike (Tips)

• Aadhaar-Ka-Data Chhupayein: Apna Aadhaar number ya biometric data kisi se bhi share na karein, unless zaroori aur vishwasniye ho​axisbank.com​axisbank.com. Government ya bank koi awami call par directly OTP/passport ke alawa fingerprint nahi maangti.
• SMS/Transaction Alert Dekhte Rahein: Apne bank account ke SMS/email alerts lagatar check karte rahein. Agar koi AePS transaction aaya ho jo aap nahi kiye, turant bank ko inform karein​axisbank.com. Elderly ko to koi family member ya guardian se milke alerts dekhne ke liye bol sakte hain.
• Fingerprint Verify Karein: Koi bhi NGO, company, ya sarkari admi jo fingerprint scan karne aaye, uski authenticity zarur jaanch lein. Aadhaar card lekar aane ko kahe, aur bank ya UIDAI se confirm karein. Agar kisi ne mobile ya ghaat me kaha fingerprint lagwao, mana kar dein.
• Aadhaar Lock/Unlock ka Upyog: Apni Aadhaar biometrics ko lock kar dein​indianexpress.com. UIDAI website/app se kabhi bhi biometric unlock karke hi transaction karein. Isse bina aapke permission ke fingerprint use nahin hoga.
• AePS Band Karne ka Option: Agar aap AePS facility use nahin karte, to bank se kehkar usse disable karwa sakte hain. Kai logon ke liye ye facility jaroori nahin hoti. Banks ko multiple disable/enable option dena mandatory hai​indianexpress.com. Agar zaroorat pade to dobara enable kar sakte hain.
• Report Karein: Agar aapko shak ho ki aapka paisa AePS se chura liya gaya, turant cybercrime.gov.in par complaint karein ya NPCI helpline 1930 par call karen​axisbank.com​tribuneindia.com. Jaldi report karne se police paise transfer hone se rokh sakti hai​tribuneindia.com. Saath hi apne bank me bhi FIR/DHARNA lodge karen.
• Senior Citizens ke Liye Khaas Savdhani: Budhe-buzurg logon ko to sabse zyada chetavani honi chahiye – unhe kahen ki apne bank se kabhi Aadhaar fingerprint nikalne na dein jab tak sach me bank ka authorized agent haath na lagaye. Bank me lapte hue logo se taiyari se puchtaach karen. Koi bhi anjaana mobile number se SMS/Call aane par ya online link na click karein.

Sarkari Jaankari aur Niyam (2024-25)

• UIDAI se Aadhaar Blocks: Aadhaar ki Aadhaar Lock facility use karke biometrics band kar sakte hain. Kabhi unlock karna pade to UIDAI portal se OTP ke through khol sakte hain​indianexpress.com.
• Banks ke Naye Rules: RBI ne AePS agents ko KYC mandatory kar diya hai​medianama.com. Matlab jo bhi AePS CSC/BC agent hai, uska pehle thorough background check hoga.
• NPCI ke Actions: October 2023 me NPCI circular aaya tha, jisme banks ko bola gaya ki AePS disable kar dein un accounts ke liye jinka pichle 12 mahine me koi debit na hua ho​hindustantimes.com. Ye measure thoda time baad hi lagu hua.
• Financial Education: Sarkar ne schemes chalai hain jisme banks ko customers ko awareness dena hai, especially gaon me. Aadhaar-based transactions ke baare me jan-jagran abhiyan shuru kiye ja rahe hain.
• Parliamentary Questions: Rajya Sabha me jawab diya gaya hai ki Aadhaar fraud rokne ke liye finger minutiae record jaise naya system aane wala hai aur user ko Aadhaar biometric lock karne ka option diya gaya hai​indianexpress.com. AePS me paanch safety measures bhi bataye gaye, jaise disable AePS for unused accounts aur monthly limits​indianexpress.com.

Kuch Real Cases (FIR Reports)

• Kolkata, Oct 2023 – Kolkata Police ne 5 logon ko giraftaar kiya jinhone fingerprint forged karke Tushar Mukherjee ke bank account se Rs.28,900 chura liye​indiatoday.in​indiatoday.in. Police ne inke pass cloned fingerprints, Aadhaar copy, bank cards sab paya.
• Nawada (Bihar), Oct 2023 – Cyber police ne CSC operator aur bank sweeper ko uthaaya. Ye dono pichle 2 saal se logon ke fingerprint clone karke AePS transaction karte rahe​livehindustan.com. Victims register me fingerprint dene ke baad paise nikalne se jankar chale.
• Haryana (Dec 2022) – State Crime Branch ke ADGP ne bataya ki 468 AePS fraud complaints aayi, 18 cybercriminals pakde gaye aur ₹14.64 lakh vasool kiye gaye​tribuneindia.com. In cases me scammers ne property sale deeds se fingerprints copy ki aur duplicate silicon thumb bana kar AePS se paise nikaale​tribuneindia.com​tribuneindia.com.
• Dummy Finger cases – Ghar me news me aaya ki koi MHA ko bata karhta hai dummy rubber finger ka istemal karte scam badh rahe hain​hindustantimes.com. Government aur NPCI milke is par rok laga rahe hain.
• Mumbai/Delhi Reports – July 2024 me RBI ne keh diya ki AePS fraud cyber scams me 11% hai​indianexpress.com. Iske baare me media me warnings aate rahe ki Aadhaar se paise nikalne vaale scams me OTP nahi mangi jati, isliye sab log Aadhaar biometric lock karein​indianexpress.com.
• Budaun, Uttar Pradesh Ram Beti Ji Ka Case (2025)
  Victim: Ram Beti Ji (Age: 85), Dudhauni, Budaun U.P.
• Bank Name- Punjab National Bank, Ambiapur Branch, District Budaun.
  Fraud Date: 15 January 2025.
  Incident: Ram Beti ji ne kabhi kisi biometric machine pe apna thumb diya hoga, 15 January ko unke account se ₹6000 bina unki permission ke AEPS ke zariye withdraw ho gaye, Jabki Unhone khud koi transaction nahi kiya tha!
  Action: Unhone bank mein complaint ki. Pehle bank staff ne mana kar diya, bole “bank ki galti nahi hai aapne khud AEPS se rupye nikale hai”. Baad mein Ram Beti ji ne Bilsi Police Station me FIR karayi.
  Result: Bank ko finally 28 March 2025 ko unka ₹6000 refund karna pada.
  Sikh: Senior citizens sabse vulnerable hote hain. Apne fingerprints ka misuse rokna bahut zaroori hai.

Saval-Jawab (FAQs)

1. AEPS kya hai, aur main isko kaise istemal karta/ti hoon?
   AEPS, Aadhaar Enabled Payment System, ek system hai jisme aap apna Aadhaar number aur fingerprint (ya iris) se bank account se paise nikal sakte hain, balance dekh sakte hain, deposit kar sakte hain, fund transfer kar sakte hain. Ye zyaadatar rural areas me CSC ya bank agent ki machine se hota hai. SMS/OTP ki jarurat nahi hoti​medianama.com.
2. AEPS Scam kaise hota hai?
   Fraudsters aapka Aadhaar number aur fingerprint chura lete hain (jaise land records se ya aapka fingerprint us time scan karke jab baat nahi manegi). Phir wo AePS machine me aapke cloned fingerprint ya dummy finger daal ke aapke account se paise nikal lete hain​axisbank.com​indianexpress.com. OTP/Password na hone ki wajah se ye scam mumkin hota hai​indianexpress.com.
3. Agar mere account se bina OTP ke paise nikal gaye, to kya karoon?
   Sabse pehle bank ko turant inform karein aur apni complaint file karayein. Apna Aadhaar biometric lock kar dein (UIDAI portal se)​indianexpress.com, aur AePS facility bank se block karwa dein. Fir cybercrime.gov.in par complaint karein ya helpline 1930 call karein​axisbank.com​tribuneindia.com. Jaldi action lene se paise cybercriminals tak transfer hone se roka ja sakta hai​tribuneindia.com.
4. Biometric (Fingerprint) lock/unlock kaise karoon?
   UIDAI ki official website par Aadhaar Lock/Unlock ka option hota hai. Wahan jaake apna Aadhaar number dalkar OTP confirm karke biometrics lock kar sakte hain. Jab jab fingerprint use karna ho, tab waapas unlock karna hota hai. Ye ek extra security layer hai, bina unlock kiye koi AePS transaction nahi ho sakta​indianexpress.com.
5. Senior Citizen ke liye khaas kya savdhani?
   Budhe buzurg ko kabhi bhi ghar par ya phone par Aadhaar fingerprint mat dena. Agar bank ya CSC agent aapke ghar aaye, to ID check karein aur firm official se confirm karein. Ghar par kisine bhi bole ke charge/fee ada karo to kisi relative se baat karen. Bank me personal jakar offline Aadhaar linking ya biometric bandh karne ka option le sakte hain. SMS alerts milne par khud check na kar paaye to family member se dekhein.
6. AePS band kaise karva sakte hain?
   Apne bank ke branch se ya customer care se baat karke, kahein ki Aadhaar-enabled payment system disable karna hai (unless aap bahut zaroorat ke liye use karte hain). Ye ek simple request par ho jata hai, aur aap chahein to dobara enable bhi karva sakte hain jab zaroorat ho​indianexpress.com.
7. Agar koi shopkeeper ya dost kehta hai ki fingerprint scan karo paise do ya prise lo, toh?
   Kisi bhi anjaan vyakti ke Aadhaar ya fingerprint lene waale claims se bachkar rahein. Govt schemes ya kisi prize ke liye agar screenshot bhej kar fingerprint bolte hain, to vo fraud ho sakta hai. Hamesha apna fingerprint safe rakhein, sirf bank/CSC ke authorized device hi use karein. Kisi bhi suspicious call/message ko ignore karein.
8. AePS fraud report karne ka official tarika kya hai?
   Aap NPCI ki AePS complaint portal (register-a-complaint@npci.org.in) ya National Cyber Crime Reporting Portal (cybercrime.gov.in) par jaakar complaint file kar sakte hain​axisbank.com. Sath hi apne bank me branch manager ko likhit complaint de kar FIR/Kaagzi Ilzam (First Information Report) dalwayen. Jaldi report karne se police aapke paise wapas rokne me madad kar sakti hai​tribuneindia.com.

In sab savdhaniyon ka dhyan rakhkar aur latest guidelines follow karke, hum AePS scams se bach sakte hain. Humesha satark rahen, kisi ki request pe bina soche-furtaadhar apna Aadhaar info mat dein, aur apne bank transactions pe nazar banaye rakhen​axisbank.com​tribuneindia.com. Yadi aapko kuch galat lagta hai, turant report karein aur apni suraksha badhaayein.