Fake Indian bank transfer-order phishing — SBI / HDFC / ICICI / Axis Bank brand + IMPS / NEFT / RTGS payment-rail + urgency / cancel-CTA (Hindi / English). "An NEFT order was initiated from your account — click to cancel." Harvests OTP via fake verify / cancel page. Source: Red-Team R8 multi-agent council C3 (IN payment-rail specialist); NPCI IMPS spec; RBI Advisory 2025.
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What this tier means
High-confidence threat indicator — phishing, impersonation, BEC, or scam pattern. Strong contributor to the trash decision.
How Gorganizer detects this
Fake Indian bank transfer-order phishing targeting SBI, HDFC, ICICI, Axis, and other major Indian bank customers. The phish narrative arrives in Hindi/English mixed format: "SBI Alert: An NEFT transfer of ₹XX,XXX was initiated from your account on [date]. If not done by you, click here to cancel immediately," or "HDFC Bank IMPS Order: आपके खाते से ₹XX,XXX का IMPS आदेश किया गया है। यदि आपने नहीं किया, तो यहाँ क्लिक करें" (An IMPS order of ₹XX,XXX was made from your account. If not done by you, click here). The fake cancel / verify CTA links to an attacker page that harvests OTP. Three national-bank brands (SBI, HDFC, ICICI) + three payment-rail acronyms (IMPS, NEFT, RTGS) constitute the signal gate. Detection: SBI / HDFC Bank / ICICI Bank / Axis Bank / Kotak Bank / PNB brand AND IMPS / NEFT / RTGS / "transfer order" / "fund transfer" / "IMPS आदेश" / "NEFT आदेश" rail AND "click to cancel/verify" / "if not done/initiated by you" / unauthorized / "क्लिक करें" CTA. Source: Red-Team R8 multi-agent council C3 (IN payment-rail specialist); NPCI IMPS spec; RBI Advisory 2025; CERT-In phishing report.
False-positive guard
Every signal in Gorganizer feeds a multi-module score — never a sole verdict. This is a threat-tier signal — it adds a strong contribution to the trash score. The full pipeline still requires convergence across multiple modules + a margin over the safety floor before deletion happens, and Gmail's trash (30-day recovery) is always used — never permanent delete.
About the scoring engine
Gorganizer's scoring engine emits over 1,800 signals across six modules — headers, sender, subject, body, attachments, and structural metadata. Every email is scored by every module independently; the final verdict requires multiple modules to agree and the trash score to beat the safety floor by a margin.
Sacred safety guards — never delete starred emails, replies, calendar invites, receipts/invoices, or attachments — apply unconditionally regardless of any signal.
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