Bank Account Safety in India: How Chakshu Portal is Helping Common People Avoid Frauds

In recent years, many people across India have received strange calls or messages from unknown numbers. These messages often say things like “Your KYC is not complete” or “Your bank account will be blocked.” Some people even get WhatsApp messages asking for account details or OTPs. Sadly, many fall into the trap and end up losing their hard-earned money.

Most of these scams are done by fraudsters pretending to be from banks, mobile companies, or even government offices. They create panic and ask for private information like bank account numbers, Aadhaar numbers, UPI PINs, or OTPs. Once you give this information, they can take money from your bank account in minutes.

What is the Chakshu Portal?

To protect citizens from such frauds, the Government of India launched a simple tool called the Chakshu Portal. It is part of the “Sanchar Saathi” initiative by the Department of Telecommunications (DoT).

This online platform allows you to report any suspicious calls, SMS, or WhatsApp messages that seem fake or harmful. It gives ordinary people a direct way to alert the authorities about scam activities.

The best part? You don’t need to visit any office or file a police complaint first. You just need to submit the details on the Chakshu Portal. It only takes a few minutes.

What Kind of Frauds Can You Report?

The Chakshu Portal is made especially to report messages and calls that try to cheat you. Here are some examples of what you can report:

• Fake calls claiming your bank KYC is not complete
• Messages asking for your Aadhaar or PAN card details
• WhatsApp links promising free money, lottery, or job offers
• Calls saying your SIM will be disconnected
• Messages pretending to be from police, RBI, or government offices
• Any message asking for UPI PIN or OTP

Even if you’re not sure whether the call or message is fake, you can still report it. It’s better to report than to ignore.

How Does Reporting Help?

You may wonder—what happens after you report a fraud?

When you submit the details on the Chakshu Portal, the information goes to the telecom department and other government agencies. They check the phone number, track if similar complaints have come in, and can block the number if needed.

In many cases, banks and payment apps are also informed. If the number is used for fraud, accounts linked to that number may be frozen to stop further cheating.

So, one small report from you could save many others from falling into the same trap.

How to Use Chakshu Portal – Step-by-Step

Here’s a quick guide to using the Chakshu Portal:

1. Go to https://chakshuportal.com.in
2. Click on “Report Suspected Fraud Communication”
3. Choose the type of message – Call, SMS, or WhatsApp
4. Enter the mobile number that contacted you
5. Fill in the time, date, and a short message about what happened
6. Click submit

That’s it. You don’t need to share any personal details like your Aadhaar or bank account while reporting.

Real Results: What Chakshu Portal Has Achieved So Far

The Chakshu Portal has already made a big difference:

• Over 1 crore fake mobile numbers have been blocked
• Nearly ₹1,000 crore has been saved from being stolen
• Banks have frozen over 10 lakh suspicious accounts
• More than 365 official cases (FIRs) have been registered based on reports

These numbers show that people’s reports are making a real impact. It also proves that even simple steps can stop big fraud networks.

Tips to Keep Your Bank Account Safe

Even with the Chakshu Portal available, it’s always better to be alert. Here are some simple rules you can follow:

• Never share your OTP, UPI PIN, or password with anyone
• Don’t click on unknown WhatsApp links or text messages
• Check the caller ID before answering unknown numbers
• Don’t panic if someone says your bank account will be closed – banks don’t call like that
• Contact your bank directly if you ever have a doubt
• Always report any suspicious communication through the Chakshu Portal

Why Should You Report, Even If You Were Not Cheated?

Sometimes people ignore fraud messages because they didn’t lose money. But reporting helps others. Your complaint may stop the same number from calling or texting someone else, maybe an elderly parent or a college student.

Fraudsters keep changing numbers, but when more people report, it becomes easier for authorities to track and block them. So, every report counts.

Final Words

In today’s time, being careful with your bank account is as important as locking your home. Online frauds are growing, and scammers are getting smarter. But tools like the Chakshu Portal give power back to the people.

It’s simple, free, and meant for everyone. Whether you’re a student, a working professional, or a senior citizen, reporting a fraud takes just a few clicks but can help protect many others.

Stay alert. Stay safe. And remember, the Chakshu Portal is here to help you.