Farmer Loan Waiver and Subsidy Agent Scam over the phone

How it looks over the phone, the red flags and what to do.

Callers pretend to be bank staff, police, a courier, a telecom officer or a relative, and they try to keep you on the line while you act. Farmer Loan Waiver and Subsidy Agent Scam is one of the ways this shows up: A village agent says your name is on a loan waiver or subsidy list and asks for a fee. Learn how the fee trick works and how to check a scheme safely.

What farmer loan waiver and subsidy agent scam looks like over the phone

• An unknown or international number, or a number that looks like a real office.
• A calm, official voice that already knows your name or the last digits of your card.
• Being told to stay on the line and not to tell your family.

The agent chooses a real, recent announcement and says he has contacts in the bank or department. He collects documents door to door or on WhatsApp and shows an official-looking printout with a list of names, often a copy of a public list with your name typed in. Villagers with small holdings and pending bank dues are chosen first, since they hope most for relief.

Red flags to check on the phone call

• A private person asks a fee to put your name on a government list.
• Payment must go to a personal UPI ID or in cash.
• He asks for Aadhaar, passbook and signature photos before showing any official notice.
• The deadline is 'tonight' and cannot be checked anywhere.
• You are told that a case, arrest, block or penalty is coming within minutes.
• You are asked to move money to a "safe account".

What to do

1. Do not pay or send any document until you have checked at your own bank branch.
2. Ask the branch manager whether any waiver or subsidy applies to your account.
3. For subsidies, use the official department office or its website typed by hand.
4. Tell a family member and report the number on the Sanchar Saathi portal (Chakshu facility).
5. Hang up. A real bank or office will not mind that you call them back.
6. Call the bank or office on the number printed on your card, bill or official app, not on a number the caller gave.

Report the number on the Sanchar Saathi portal (Chakshu facility). If money moved, call 1930 immediately.

If money or a code is already gone

1. Report the payment to 1930 and at cybercrime.gov.in, giving the UPI ID and time.
2. Tell your bank branch in person and ask it to watch the account for odd activity.
3. If you sent ID copies, write the date and name of the person who took them.
4. Visit the nearest police station and ask for your complaint to be recorded in writing.

National Cyber Crime Helpline: 1930; report at cybercrime.gov.in.

Safeavio's scam check reads the message you paste and points to the fee demand and the invented deadline, and Money Shield gives you a short 'verify before you pay' checklist to run before any UPI transfer. It cannot confirm whether a particular scheme is real and it cannot reverse a payment. The reliable check is always your own bank branch or the official department office.

Full guide: Farmer Loan Waiver and Subsidy Agent Scam: how it works, signs and what to do. Other channels: WhatsApp, SMS, social media.

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