I'll touch upon few different types of cyber frauds and few possible ways in which we can avoid ourselves to be duped of money, time & energy.

Will also attach few real registered FIRs showing that most of the times such crimes happen with educated & learned people.

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Cyber Fraud type 1 - Facebook/Instagram

Profile cloning -Fraudster will make exact same profile like yours - using pictures from your own profile. They will then message to your contacts asking for money immediately for the surgery of mother or similar emotional lie

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Always verify before sending money.
Don't verify by calling that person, instead, call a common friend or family member of that person. Don't think you can't be fooled - I know at least 20 people working in Top IT MNCs becoming victim of this fraud. Lock your FB/Insta.

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Cyber Fraud type 2 -OLX/Quikr
This generally happens while selling something on OLX/Quikr & similar platforms. In such cases, people will fraud in the name of paying money by asking to scan the QR code or click a link.
NEVER scan the QR code to receive money, give your UPI

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Cyber Fraud type 3 - Fake SMS & Call from unknown numbers
Fraudster will send fake SMS showing amount credited to the account - with correct account number in SMS. Then they will call from unknown numbers asking for money.

ALWAYS check your bank account first via bank app.

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