So as our topic of discussion is on steps to curb raising cyber crime related to banking fraud in Gurugram, before discussing that firstly we have to know what is cyber crime?
Cyber crime is a criminal activity done by using computer and the internet.

Cyber crime includes anything from a simple downloading illegal music file to stealing millions of dollars from online bank accounts.

According to the survey of IFF- Incognitio Forensic Foundation lab (Reinforcing cyber security), one cyber crime is reported every 10 minutes in India under Information Technology Act.
Most of the cyber crimes are covered under the IPC, 1860 and are classified as cognizable offences.

Cognizable offences is the one in which a warrant is not required for an arrest or investigation.

The Haryana government led by Chief Minister Manohar Lal Khattar has issued a notification to set up a special cyber crime police station at the district headquarters of Gurugram, at Harizan colony, DLF Phase5, Sector43 to control the raising crimes related to cyber law.

These stations will have jurisdiction over the entire Gurugram district in respect to offenses under the:
Information Technology Act, 2000
Central Act 21 of 2000
Indian Penal Code, 1860
Or any other law related to offenses of abetment, conspiracy.

Overview
Gurugram has 36% hikes in cyber crimes in year 2018. Most of the cases related to banking frauds like unauthorized money withdrawals using stolen credit/debit cards.
Banking fraud means the use of potentially illegal means to obtain money held by a financial institution.

According to the survey of India-today.org 1954 complaints related to banking frauds were received by the Gurugram police.

With the expansion of Gurugram, the nature of crimes has changed and it becomes very difficult to deal with the evolution of technology. To prevent the city from threat special cyber police station were set up.
According to the survey of Hindustan times in year 2017, total number of complaints received by cyber cell police station out of which 58% are of banking fraud.

The State v/s Vikash Jha
On 5th February, 2018 a complaint was filed by the Gurugram resident at the new colony police station that Rs.50, 000/- was withdrawn from her account by any unknown person by using her credit card. An FIR was registered in the case under section-380 (robbery) & section-420 (cheating) of the IPC, 1860.

The cyber cell of Gurugram Police arrested a 27-year-old commerce graduate for duping over a hundred of people from Delhi-NCR by getting their credit/debit card details. The cops start their investigation to track the accused and finally after tracking, the Police arrested the accused from Jharsa on 30 August 2018 and took him on four day remand.

The accused was identified as Vikas Jha, a resident of Muzzaffarpur, Bihar. According to police, over 135 cases of cyber fraud are registered against Jha in the Delhi-NCR area, out of which 23 FIR’s are registered against him at Gurugram Cyber Police Station. He hacked the email accounts and altered the registered mobile numbers so the bank customers did not receive the One Time Password (OTP) on their registered mobile numbers, and get alerted.

During interrogation, Jha revealed that he used to send the card owners a text message along with a link to certain “reward points”. The reward point’s page used to lead them to a form wherein his targets had to fill up their personal details, including their e-mail ID. “Through this form, Jha used to find out the debit/credit card details which he used to access the OTP after hacking victim’s email account. Then he use the same accounts for shopping and transferring money”.

In the court of Ms. Sumitra Kadian, Judicial Magistrate of 1st class, Gurugram.
This case is pending.

Conclusion
With the expansion of Gurugram, the nature of crimes has changed and it becomes very difficult to deal with the evolution of technology. Victims would remain unaware of the fraud unless the amount was withdrawn from their bank account. As we all know that now days the rate of crimes through cyber is increasing day by day so we have to aware the people as much as we can to protect from these fraudsters. Banks and government provide instructions to the public to keep safe from the fraud and not to become a victim.

General instructions must be followed to prevent from banking fraud:
1. Create a password of at least 8 characters long and shall consist of a mix of alphabets, numbers and special characters which must not relate to any readily accessible personal data such as the USER's name, address, date of birth etc.

2. Keep the User-id and password totally confidential and not reveal them to any third party.

3. Commit the User-id and password to memory and not record them in a written or electronic form.

4. Not let any unauthorized person have access to his computer or leave the computer unattended while using Internet Banking Services.

5. Not disclose any personal or confidential information to anyone over email/SMS/phone call even if it’s purportedly from State Bank of India. SBI or any of its representatives will never send you emails/SMS or call you over phone to seek your personal information like Username, passwords, One Time SMS passwords etc. For tips on safe usage of password(s), Password Management displayed as a link on the login page of www.onlinesbi.com may be referred.

Written By: Ronik Jangra, BBA.LLB (H), 9th Semester - K.R.Mangalam University, Sohna, Gurugram