Unsolicited offers - Receiving unexpected calls, messages, or emails claiming to provide higher returns, full corpus withdrawal, or other benefits that sound too good to be true.

Impersonation of PFRDA – Be wary of messages or websites that imitate PFRDA communications or official websites closely but with slight differences in domain names. Fraudsters most likely use phishing attempts that replicate the official website closely with unnoticeable changes in the domain name.

Requests for payment or personal Information - Fraudsters may ask for payment or sensitive personal information (e.g., PRAN, passwords, bank details) to "unlock" promised returns or benefits.

Unrealistic returns - Offers claiming to provide market-beating returns or "instant" access to your retirement funds in exchange for fees.

False claims – Deceptive claims about full withdrawal under NPS or APY should raise immediate suspicion, as full withdrawal is not permitted unless under specific conditions (like retirement, death, or other regulated circumstances).

High return promises - Legitimate financial products like NPS have regulated returns, and any promise of returns significantly higher than the market rate is a red flag and very likely fraudulent.