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HOW THEY TRIED TO STEAL MY NET-BANKING CREDENTIALSThis happened to me today morning. When I opened my gmail, I got an email from "INCOME TAX DEPARTMENT, MINISTRY OF FINANCE, GOVERNMENT OF INDIA", at least that is what the signature of the email claims.The email stated that I have got a tax refund from my last year tax filing, and there was a link in CAPITAL LETTERS that stated APPLY FOR A REFUND REQUEST.The button was linked to a website http://firsindia.ga/xxxxAs soon as I saw this, I knew it was a SCAM. On a regular day, I would've just deleted this email and went ahead. But, I wanted to know the motive of the email. For someone who is unaware of, there are two things that made me realize that this is a SCAM link.1) it is not an 'https' link, but a 'http' link.2) I just visited the website http://firsindia.ga in incognito mode and it was blank.After opening the link provided in the email, there was a page that asked a list of bank to choose from, into an account in which your refund will be processed.Next step is to choose the bank, and press submit, you will be taken to the bank internet login website. This is a SCAM page, where you are expected to enter your internet banking credentials. In the attached images, please take a look at the address bar in the screenshot images. This is their own SCAM website.What happens when you login using your internet banking credentials in this website? You have entered your username and password in the SCAM website, and now your credentials are safely stored in their database in their website. This can be used by the them to hack into your bank account and misuse your bank account.I have used a few of the bank websites that were mentioned in the SCAM website, and the screenshots of the SCAM website look strikingly similar to the original net banking login pages of these banks.Next time when you get some cheap tricky emails like this from SCAMMERS, please don't ever try to login or provide confidential information in any third party websites. Please use only verified websites of the banks.Please pass this information to your parents, and others who might be having difficulty in distinguishing between the actual and SCAM websites.REPLICA OF CITI BANK LOGINHDFC BANK REPLICAICICI BANKAXIS BANKWhen I choose Other banks, it just asks for Customer ID and password without the bank page.Such an organised crime it was.-Sundhar Ram(HOW THEY TRIED TO STEAL MY NET-BANKING CREDENTIALS)

My grandfather lost his career and almost everything else he possessed trying to uncover a banking scam in the 1970s. He was already an Assistant General Manager of SBI in his early 40s and fast tracked with promotions to have a shot at becoming an MD before retirement.While he was inspecting in Gujarat, he happened to uncover a scam. Got a lot of political pressure that eventually closed the case without it even coming to the court. He resigned in anger when he was just 48 and his life went downhill from there.The Imperial bank that he joined was not the one he quit. SBI’s quality of banking and service went down from the 1950s. And decades later Harshad Mehta and others had a free run on that bank.My father was through tough times in 1990s when his bank (Indian Bank) got embroiled in a range of scams that nearly brought down the bank. The CMD Gopalakrishnan would be in all sorts of Tamil movie trailers and giving out loans left and right (Ex-Indian Bank CMD Gopalakrishnan sentenced to 14 years for corruption). Narasimha Rao allowed him to operate despite all the evidence before him and from the protests of RBI (Political Jitters). It is all politics.The bankers at the branch level often had little control over quality of loans. Things are extremely corrupted with Public Sector Banks regardless of which party rules the country.Indian public sector banks have been riddled with horror scam stories for a long time. I have had enough stories from insiders to make up mind that bank nationalization was among the worst moves by Indira Gandhi.Private sector banks too can have their scams. And in the case of the US, they might sometimes be too big to let them under the bus. But, even when the bank survives the bank equity owners lose out during such crisis.In India, there are no repercussions that follow banking scams. The PNB scam is neither the first nor the only one. Indian banking system is full of them. Politicians at the top and the middle are likely involved in a lot of these scams - and why would they not be given how much financial power they can wield through public money.In case a private sector bank does such a bad loan, their shareholders first lose money. When a public sector bank does such a bad loan or scam it is yours and my tax money that loses out.More importantly in a private bank, errant employees are easily fired. In public sector bank it is almost impossible to fire terrible employees.It is time the government gets out of owning banks and actually spends effort regulating them. We need the RBI to be a bulldog and not have the finance minister/PMO interfere with them in the garb of growing the bank. And same with Air India, BSNL. Bank nationalization is not the only one responsible for this mess, but it has a big hand in who is the loser of this mess. It is you and me paying for the horrible actions of those bank employees.

When my daughter was in kindergarten, and I would ask her about her day, she would sometimes mention a boy that she played with on the playground. She didn’t know his name, but every day, she pushed him on the swings and the only word he spoke was “hi”. She said he was always happy and giggled when she pushed him, and that made her feel good. I assumed he was an English Language Learner (ELL) and never thought much about it after that. A few months into the school year, we took an extended trip to visit family overseas, so my daughter missed two weeks of school. When she came back, he ran up to her and said “missed you.” I thought that was very sweet. My daughter has dyslexia, which we didn’t know at the time, but she was struggling with the basics of reading already, so I thought it was perfect that an ELL kid and my daughter had hit it off and could just hang out without the pressure of talking and to get a mental break from class time, which was challenging for them. The year went on and my daughter learned his name (she overheard a teacher say it) and when she had a hard day at school, she always said her favorite part of the day was pushing her friend on the swings. Kindergarten graduation came, and just out of curiosity, I wanted to spot her friend. He has a unique name and they were calling them all out, so I knew I would spot him. I was hoping to find his parents afterward and tell them how much I appreciated his friendship with my daughter. All four classrooms came out and they called out names and his wasn't one of them. Then trailing slightly behind were a couple of kids from the special education room. We’re an autism inclusion school and also support other disabilities. Well, the last kid to come in was him! Just like my daughter described, he had a huge smile. He also had a lot of disabilities, physical and intellectual. He wasn’t ELL, rather he was mostly non-verbal. She found him after the ceremony and they said “hi”, but his aide walked him out and it didn’t seem as though his parents had made the ceremony. The next year in 1st grade, my daughter was sad that he wasn’t at recess with her anymore. She saw him occasionally across the play yard, but he had to take recess with the kindergarteners. I probed her a bit about him and asked if he was different then the other kids. She said, “yeah, he’s not very good at talking.” That was all she could come up with. To her, he was simply her friend. None of the rest mattered. I wish she could stay this innocent forever.