Coercive scams work by getting you alone.
Researchers interviewed 33 Indian fraud victims: engineers, doctors, retired teachers. Most thought of themselves as careful. The scammers kept them on the call, told them to tell no one, and rushed them until, as one victim put it, their mind froze.Peer-reviewed study (2026)IIT Madras-led interviews with 33 Indian financial-cybercrime victims across five cities
Neem doesn’t just check a link. When you paste what you got, it names the trick, and helps you bring in someone you trust.
+91 98xxx xx210
Video call, 32 minutes
- Sir, this is Customs, Mumbai airport. A parcel in your name has drugs in it.7:02Fake authority
- What? I haven’t sent anything.7:03
- Your Aadhaar is linked to money laundering. An FIR is registered. Connecting you to CBI.7:05Fear
- Stay on the video call. Do not disconnect. Do not tell your family, it will affect the case.7:11Keep it secret
- Transfer ₹1,80,000 to the RBI verification account in 30 minutes to clear your name.7:34Sends money somewhere new
₹22,495 cr
reported lost to cyber fraud in India in 2025Ministry of Home Affairs, via ThePrintCybercrime saw 24% spike in 2025; Indians lost ₹22,495 crore, mainly in investment scams21 February 2026Read the source
About ₹62 crore a day, counting only what people reported.
28 lakh
cybercrime cases reported in India in 2025Ministry of Home Affairs, via ThePrintCybercrime saw 24% spike in 2025; Indians lost ₹22,495 crore, mainly in investment scams21 February 2026Read the source
About 7,700 a day: five every minute.
76%
of the money lost in 2025 went to investment fraudsMinistry of Home Affairs, via ThePrintCybercrime saw 24% spike in 2025; Indians lost ₹22,495 crore, mainly in investment scams21 February 2026Read the source
Three of every four rupees lost went to fake investment schemes.
0.37%
refunds as a share of reported losses, FY24 to FY26, from MHA replies in ParliamentGetNyay Cyber Fraud Tracker, compiling MHA replies in ParliamentMore than ₹206 cr refunded against more than ₹56,087 cr reported lost, FY24 to FY26 (Rajya Sabha, 22 July 2026)September 2026Read the source
For every ₹100 reported lost, about 37 paise came back.
Scammers tell your father: don’t tell your family.
Neem tells his family anyway, only when it matters.
When Papa is told to stay on the call and tell no one, he may not tell you. With Neem Family, he doesn’t have to: when he checks a message or taps the emergency button, your phone gets a notification.
Stop
This looks like a fake ‘digital arrest’. End the call.
Kush gets a notification.
Kush knows. He’s calling you now.
Neem Family, just now
Papa checked a message that looks like a scam
Neem said Stop: Fake authority, Keep it secret, Rush.
Papa can see you’re calling.
Set up in a minute.
You send Papa a link. He opens it once and taps “Yes, tell Kush”. No account, no password on his side.
Only when it matters.
A Stop or Be careful check, “I’m on the call right now”, or “I already paid”. Nothing else reaches you.
His choice, his privacy.
You get the verdict and the tricks, not his messages, unless he sends them. He can stop it any time.
See the trick, word by word.
Neem strikes the exact words doing the pushing, like a fake officer, a rush, or a secret, and tells you what each one means and who says so: NPCI, SEBI, the government’s cybercrime centre.
No made-up scores. No “94% scam”. Just what we found, where, and what we couldn’t check.
Stop
This looks like a fake ‘digital arrest’.
This is Inspector Rajesh Kumar from . A parcel in your name with was seized at Mumbai and an is issued. Stay on this video call and your family. To clear your name, transfer ₹1,80,000 to the RBI .
The rule behind it
Police and the CBI never arrest anyone over a video call, and never ask you to move money to a “safe account”. (I4C advisory)
What we couldn’t check
Who owns the number that called you. Scammers change SIMs daily, so judge the demand, not the number.
Not sure? Ask someone before you pay.
When you have a moment to think, choose who to ask. Neem makes a private link with what it found, without your private numbers. Send it to anyone you trust on WhatsApp. They tap an answer, and it shows up on your screen.
Mum asked Priya
Someone from “Customs” wants ₹1,80,000.
Waiting for Priya…Priya, on WhatsApp
Mum needs your opinion.
Already paid? The first hour counts.
Since your transfer
0:08:41
Say this to the 1930 officer
- Amount
- ₹1,80,000
- UTR
- 4183 2290 7716
- Sent at
- 16 Oct, 7:42 pm
- To
- rbisafe.acct@ybl
- Your bank
- State Bank of India
Picked out of your bank SMS. OTPs and card numbers are hidden on your phone first (best effort), and we don’t keep the SMS.
Call 1930 quickly: the sooner you report, the better the chance the money is frozen before it moves on. Neem picks the amount, UTR and time out of your bank’s SMS for the officer, and drafts your complaint.
Always free. No account.
पैसे कट गए? अभी 1930 पर कॉल करें।
We hide your private numbers, twice.
We hide OTPs, card and account numbers on your phone before sending (best effort), and again on our server. Screenshots are read on our server and by Anthropic, masked there, and we don’t keep the image. A check and its redacted AI log are deleted after 7 days. Family alerts and accounts are kept separately.
Neem will never ask for your OTP, UPI PIN, CVV or banking password. If something claiming to be Neem does, it isn’t us.
Typed on your phone, before sending
Your Aadhaar 4821 7730 1956 is linked to a parcel. Share the OTP 482913 to stop the arrest.
Checking for private details…
Why Neem?
नीम से पूछ लो। पैसे भेजने से पहले कड़वा सच जान लो।
In many Indian homes, neem leaves hang over the doorway to keep harm out. Neem does that for scams: it keeps them outside your door.
Neem is bitter, and grandparents chew it anyway. Neem tells you the bitter truth before you pay: this “CBI officer” is a scammer.
One short word, the same in Hindi and English, easy to say on a call: “Neem se pooch lo.” Ask Neem.
Questions people ask.
Yes, free for families during the pilot. You can check a few messages a day without an account, and the “I already paid” emergency help is always free, with no account.
No, and nobody honestly can. Neem shows you the warning signs it found, the rule behind each one, and what it couldn’t check. When it finds nothing, it says “no known warning signs”, which is not the same as safe.
Yes, if your parent agrees. You set up Neem Family and send them a link; they open it once on their phone and tap yes, with no account or password. After that, your phone gets a notification when they check a message and Neem says Stop or Be careful, when they tap “I’m on the call right now”, or when they open “I already paid”. The alert has the verdict and the tricks Neem found, not their messages, unless they choose to send them. Either of you can stop it at any time.
Neem makes a short summary of the situation, without your private details, and you send it to a family member or friend on WhatsApp. They open the link, no app needed, and tap an answer such as “Don’t pay. Call me.” or “Wait, I’m calling you.” Their answer shows up on your screen within a few seconds while Neem is open.
Call 1930, India’s cyber fraud helpline, right away, and report at cybercrime.gov.in. The first hour matters most because banks can still freeze the money. Neem’s emergency page turns your bank SMS into what to tell the officer and drafts your complaint, for free.
No. Neem only sees what you paste or share into it. When you type or paste, we hide OTPs, card and account numbers (and PINs, CVVs, Aadhaar and PAN) on your phone before sending (best effort), and again on our server. Screenshots are sent to our server and Anthropic to be read, masked there, and we don’t keep the image. The masked text of a check is kept for 7 days so you can come back to it, then deleted automatically, together with its redacted AI log. Family alerts and accounts are kept separately.
Yes. You can paste messages in English, Hindi or Hinglish, and the most important safety steps are written in Hindi as well as English.
Neem is the tree almost every Indian family knows. In many homes its leaves hang over the doorway to keep harm out, and that is Neem’s job: to keep the scam outside your door. It is also bitter, and grandparents chew it anyway. Neem tells you the bitter truth before you pay: this “CBI officer” is a scammer. And it is one short word, the same in Hindi and English, easy to say on a call: “Neem se pooch lo.”