# J&K Bank warns customers of fake eKYC apps and phishing links 2026-09-16T06:57:06+00:00 | Governance | Indian Opinion Desk Corroboration: 1 independent outlet J&K Bank has issued an advisory warning customers against scammers who are circulating fake eKYC applications and phishing links through WhatsApp, SMS, and social media channels. The scammers create urgency by claiming a customer's account will be blocked unless KYC details are updated immediately. The bank has urged customers not to download apps from unknown sources or click on links from unfamiliar senders. Customers should never share OTPs, PINs, passwords or other banking details. Any KYC-related communication must be verified through official J&K Bank channels. Suspicious calls or messages should be reported at once. The advisory asks customers to stay alert and avoid responding to any message that seeks sensitive banking information. ## Indian Opinion Analysis The timing matters. Fraudsters typically ramp up digital-banking scams during festive seasons, when transaction volumes surge and people are more distracted. J&K Bank has over 1,000 branches across India, making its customer base a lucrative target. Under the RBI's 2017 master direction on cyber security, all banks must run customer-awareness campaigns and maintain a system to block flagged transactions within hours. The real vulnerability is not the bank’s core systems but the human factor: customers conditioned to fear account freezes. Enforcement is difficult because phishing links often route through servers hosted outside India. The next data point to watch is whether the bank or local police register an FIR and a specific case count, which would signal follow-through beyond an advisory. ## Coverage - greaterkashmir.com Tags: cyber fraud, J&K Bank, RBI Canonical: https://indianopinion.org/jk-bank-warns-customers-of-fake-ekyc-apps-and-phishing-links/ License: Summary and commentary (c) Indian Opinion, reusable with attribution. Facts belong to the linked sources. Cite: https://indianopinion.org/jk-bank-warns-customers-of-fake-ekyc-apps-and-phishing-links/#story-in-brief