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Bank's SMS or cybercriminals' new ploy? Here is a simple trick to identify fake messages, you will know the truth in a minute
Samira Vishwas | August 26, 2026 11:24 AM CST

  • From 1909, one can get information about whether it is registered or not by checking the header in the SMS.
  • Check which organization or company the header belongs to from TRAI's SMS Header Portal.
  • Do not click on unknown links and do not share OTP, PIN, password or bank details with anyone.

Cyber ​​criminals use various methods to cheat people. Often cybercriminals pretend to be government or bank officials and call up common people and try to get their personal information or bank details. Also, often cyber criminals also send fake bank alerts and SMS to cheat people. These bank alerts and SMS appear to be sent by real banks. The subject, the method, the name of the sender, everything seems to be true. So it becomes very difficult to differentiate between SMS sent by cyber criminals and SMS sent by bank.

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Get header information in SMS from 1909

Copy the sender's header from the SMS received in the name of the bank and check their complete details with the help of 1909 facility. Details for this [हेडर] format can be used. After this you will get information whether header in SMS is registered or not. But, the 1909 service is primarily for reporting and recording unsolicited commercial messages. Therefore, it is not correct to believe that the SMS actually came from the bank based on the information received from 1909 alone.

Use the Tri Header Portal

Another method is to use TRAI's SMS Header Information Portal. You can get Sender Header information with the help of this website smsheader.trai.gov.in. From this website you can find out who is the organization behind the commercial or government awareness message and whether the header is registered or not. If this SMS coming in the name of the bank is sent by a header that is not registered or not to the bank, then the message is highly likely to be fake.

Check the sender name carefully

As per TRAI rules, SMS headers are case sensitive. So even if only one letter is changed, the sender can change. Cybercriminals use similar looking letters and create fake SMS, which can be used to dupe common citizens.

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Do not click on the link

Do not click on any unknown link in SMS or email. Do not share OTP, PIN, password or bank details with anyone. If you have any doubts about a transaction, instead of using the link or number provided in the SMS, open the bank's official mobile app yourself or contact the bank's official customer care department.


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