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.
Seven layers, from first alert to final backstop
Each layer in the plan does a different job — some respond the instant something feels wrong, others quietly stand guard in the background, and one exists purely to make a senior citizen financially whole if the worst happens anyway.
Warm tones respond fast and close to the person. Deeper tones are the slower, structural protections underneath.
Emergency Helpline
A dedicated, multilingual helpline for the moment something feels wrong — a real person, no app navigation required.
Family Alerts
The moment something suspicious is detected, a trusted family member is notified instantly — with the senior's consent, set once at enrolment.
Pension Monitoring
Quiet, round-the-clock watch on the pension-receiving account, flagging unusual or unauthorised activity as it happens.
Arrear Protection
Monitoring automatically tightens around pension arrears, DA revisions and PF/gratuity settlements — exactly when fraud risk spikes.
Financial Abuse Detection
Flags unusual withdrawal or transfer patterns that may indicate exploitation — including by someone the senior knows.
Legal Assistance
Access to empanelled advocates for filing police complaints and FIRs, and guidance through recovery procedures.
Cyber Insurance
If a fraud still goes through, reimbursement for the financial loss — up to the policy's sum insured.
Choose the level of protection that fits
Most families enrol a parent on Standard or Premium — Basic is best as a starting layer for someone who's otherwise cautious and well-supported already.
Essential scam protection and a direct line for help.
- ✓ Cyber Insurance
- —Pension Monitoring
- —Family Alerts
- —Arrear Protection
- —Legal Assistance
- —Financial Abuse Detection
- ✓ Emergency Helpline
Active account monitoring and family peace of mind.
- ✓ Cyber Insurance
- ✓ Pension Monitoring
- ✓ Family Alerts
- ✓ Arrear Protection
- —Legal Assistance
- —Financial Abuse Detection
- ✓ Emergency Helpline
Full coverage with legal support and a dedicated case manager.
- ✓ Cyber Insurance — higher cover
- ✓ Pension Monitoring
- ✓ Family Alerts
- ✓ Arrear Protection
- ✓ Legal Assistance
- ✓ Financial Abuse Detection
- ✓ Emergency Helpline — dedicated case manager
Four easy ways to get a parent protected
At your bank branch
Ask at the pension-disbursing branch counter for the DigiKavach enrolment desk.
At a Police cybercrime camp
Enrol on the spot at any DigiKavach-partnered awareness camp near you.
Via WhatsApp
Message "ENROL" to our number and a representative will guide you through.
Through your 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
Built and run alongside state Police cybercrime divisions, not as a standalone app asking for blind trust.
Privacy by design
Message content is never stored beyond what's needed for a single scan, in line with India's DPDP Act, 2023.
Licensed insurance partner
The cyber insurance cover is underwritten and distributed through a licensed IRDAI insurance intermediary.
Protect their pension before the next call comes.
Enrolment takes minutes. Protection lasts as long as they need it.