Their pension. Protected, layer by layer.
A scam call can empty a lifetime of savings in minutes. DigiKavach wraps seven layers of protection around your parents' pension account — from round-the-clock monitoring to a real human helpline — so you don't have to worry every time the phone rings.
Sources: ₹22,845 crore — Ministry of Home Affairs, written reply in the Lok Sabha, July 2025. 17.3 crore people aged 60+ by 2026 — projection cited by UNFPA and HelpAge India.
Seven layers, from first alert to final backstop.
Some layers respond the instant something feels wrong, others quietly stand guard, and one exists to make a senior citizen financially whole if the worst happens anyway.
Emergency helpline
A dedicated, multilingual helpline for the moment something feels wrong — a real person, no app needed.
Family alerts
When something suspicious is detected, a trusted family member is told instantly — with the senior's consent, set once at enrolment.
Pension monitoring
Round-the-clock watch on the pension account, flagging unusual or unauthorised activity as it happens.
Arrear protection
Monitoring tightens around pension arrears, DA revisions and PF or gratuity settlements — exactly when fraud risk spikes.
Financial abuse detection
Flags unusual withdrawals or transfers that may point to exploitation — including by someone the senior knows.
Legal assistance
Empanelled advocates help with police complaints, FIRs and recovery procedures.
Cyber insurance
If a fraud still gets through, reimbursement of the loss up to the policy's sum insured.
Why seniors are targeted
Scammers know when pensions, arrears and settlements arrive, and that many seniors live alone or are unfamiliar with digital-arrest and KYC tricks.
- Awareness camps run with state police cybercrime divisions
- Senior-friendly language and pace
- A son or daughter can manage the plan, with consent
Choose the level of protection that fits.
Most families choose Standard or Premium. Basic is a good starting layer for someone who is already cautious and well supported.
Essential scam protection and a direct line for help.
- Emergency helpline
- Cyber insurance
- Pension monitoring
- Family alerts
- Legal assistance
Active account monitoring and family peace of mind.
- Everything in Basic
- Pension monitoring
- Family alerts
- Arrear protection
- Legal assistance
Full coverage with legal support and a dedicated case manager.
- Everything in Standard
- Higher insurance cover
- Financial abuse detection
- Legal assistance
- Dedicated case manager
Four easy ways to protect a parent.
At your bank branch
Ask at the pension-disbursing branch for the DigiKavach enrolment desk.
At a police cyber camp
Enrol on the spot at a DigiKavach-partnered awareness camp near you.
On WhatsApp
Message "ENROL" to +91 90000 10795 and a representative will guide you.
Through family
A son or daughter can enrol and manage the plan on a parent's behalf, with their consent.
Built for trust, not just technology.
Police-anchored awareness
Run alongside state police cybercrime divisions — not a standalone app asking for blind trust.
Privacy by design
Message content is kept only as long as needed for a check, in line with the DPDP Act 2023.
Licensed insurance partner
Cyber insurance cover is underwritten and distributed through an IRDAI-licensed intermediary.