A 32-year-old woman from north Bengaluru has alleged that cyber fraudsters posing as police officers manipulated her into taking multiple loans and extorted nearly Rs 60 lakh through a prolonged digital intimidation scam.
According to the complaint, the fraud began on December 17, 2025, when she received a call on Telegram from a person claiming to be a Mumbai police officer.
Fraudsters used fear and intimidation
The caller allegedly told the woman that her Aadhaar details had been misused for illegal advertisements and harassment calls. To make the allegations appear credible, the fraudsters shared a mobile number and bank account details, claiming they were linked to criminal activities carried out using her identity.
The woman was warned of legal action and instructed not to discuss the matter with anyone as a “virtual investigation” was underway.
The accused then sent multiple links through Telegram and asked her to open them. According to the complaint, after she clicked on the links, the fraudsters gained access to personal information stored on her mobile phone.
Forced into taking loans
Police said the fraudsters repeatedly threatened to leak her personal information and implicate her in criminal cases unless she paid money.
Under intense pressure, the woman informed them she did not have sufficient funds. The fraudsters allegedly directed her to download several instant-loan applications and forced her to borrow money to make payments.
As the debt increased, she reportedly took fresh loans to repay earlier borrowings and continue making transfers.
Debt burden continues
The victim told police that she transferred nearly Rs 60 lakh to multiple bank accounts between December 2025 and January 2026. She still reportedly owes around Rs 15 lakh in outstanding loans.
Adding to her distress, recovery agents linked to the loan apps continue to contact her and her relatives, demanding repayment.
Police have registered a case and launched an investigation into the cyber fraud network.