- Last Updated: February 28, 2026
- Regulators: Securities and Exchange Commission of Pakistan (SECP) & State Bank of Pakistan (SBP)
- Action: 141+ Apps Blocked, FIA Cyber Crime Operations Active
Agar aap ne bhi kisi app se loan liya hai ya lene ka soch rahe hain, to ye post aap ki jaan aur izzat bacha sakti hai.
1. Illegal Loan Apps Ka Jaal: Ye Kaam Kaise Karti Hain?
Ye apps social media (Facebook, Instagram, YouTube) par "Interest-Free" ya "Bina Kaaghzat Fori Loan" ke lalach dete hain. Humein inki working ka ye tareeqa mila hai:
- Data Theft: App install karte hi ye aap ki gallery, contacts aur location ka access mangti hain.
- Short Tenure: Kehti 90 din hain magar 7 din baad hi paise wapas mangna shuru kar deti hain.
- Harassment: Agar aap paise na dein, to ye aap ki edited (fake) photos aap ke doston aur rishtedaron ko bhejne ki dhamki deti hain.
- A. Whitelisting System
- SECP ne ab aik "Whitelist" tayaar ki hai. Sirf wahi apps Google Play Store par reh sakti hain jo licensed hain. Humein mili report ke mutabiq, ab tak 141 se zayed gair-kanooni apps ko Google aur Apple store se hatwa diya gaya hai.
- B. Payment Channels Par Pabandi
- State Bank of Pakistan (SBP) ne tamam banks aur Fintech companies (EasyPaisa, JazzCash) ko sakht hidayat jari ki hain ke wo aisi kisi bhi app ko apni API ya payment gateway istemal na karne dein jo SECP se registered nahi hai.
- C. APK Files Par Crackdown
- Ab ye chor apps Google Store se hatne ke baad WhatsApp ya link ke zariye APK files phelati hain. PTA aur FIA aisi tamam websites aur links ko block kar rahi hain.
Humein in dono mein farq karne ke liye ye checklist mili hai:
| Feature | Licensed Apps (Legal) | Illegal Apps (Fraud) |
| Registration | SECP se NBFC License hota hai | Koi registration nahi hoti |
| Data Access | Sirf zaroori maloomat (CNIC etc) | Contacts aur Gallery ka access |
| Duration | Kam az kam 60-90 din | Sirf 7 ya 15 din |
| Hidden Charges | Sab kuch wazay hota hai | 30% se 40% "Service Fee" katte hain |
| Behavior | Professional aur kanooni | Bad-tameezi aur dhamkiyan |
💡 Federal & Punjab Govt Mazeed Schemes (Related Opportunities)
Agar aap is program ke liye Eligible nahi hain, to Government ke in digar naye programs aur opportunities mein Apply kar sakte hain:
- 🏏 PCB Future Stars Talent Hunt 2026: Aqib Javed ke tehat cricket trials ka schedule aur registration ki mukammal maloomat hasil karein. 👉 Trials Schedule & Register No
- ⚡ Punjab Underground Wiring Scheme 2026: CM Maryam Nawaz ke Master Plan ke mutabiq Lahore aur Punjab mein bijli ki underground wiring ki tafseelat. 👉 Check Master Plan Guide
- 📝 Punjab Class 8 Date Sheet 2026: Grade 8 SBA exams ka official schedule aur result ki date check karne ka tareeqa. 👉 Download Date Sheet
- 🚔 Peshawar Safe Ride 2026: AI-Powered safety system aur street crime control ke liye KPK hukumat ki naye apps ka istemal janiye. 👉 Safe Ride App Guide
- 📱 Maryam Ko Batain App: 1000 Helpline, Ramzan Relief ke 10,000 cash hasil karne ke liye PSER registration aur app ka mukammal guide. 👉 Get Rs. 10,000 Cash
- 🤖 Indus AI Week 2026: Pakistan ki $1 Billion National AI Policy aur muft training programs mein shamil hone ka sunehra moqa. 👉 AI Training Registration
- 🚗 Islamabad Ride-Hailing Rules 2026: Drivers ke liye lazmi QR code aur registration ke naye qawaneen ki mukammal maloomat. 👉 Driver Registration Guide
4. Agar Aap Blackmail Ho Rahe Hain To Kya Karein? (Step-by-Step)
Agar aap kisi aisi app ke phande mein phans chuke hain, to humein lagta hai ke aap ko foran ye 3 kaam karne chahiyein:
Hamesha sirf in official zaraye par bharosa karein:
Shukriya!
Agar aap chahte hain ke har nayi update aapko foran mil jaye, to humein yahan follow karein:
Agar aap kisi aisi app ke phande mein phans chuke hain, to humein lagta hai ke aap ko foran ye 3 kaam karne chahiyein:
- Darna Chor Dein: Inke paas aap ka loan recover karne ka koi kanooni rasta nahi hai kyunke ye khud illegal hain.
- Evidence Jama Karein: Dhamki amiz calls ki recording aur WhatsApp messages ke screenshots lein.
- Permissions Off Karein: Foran mobile ki settings mein ja kar in apps ki "Permissions" (Contacts/Gallery) off karein aur app uninstall kar dein.
Hamesha sirf in official zaraye par bharosa karein:
- SECP Licensed Apps List (Whitelist): Check Official Whitelist Here
- SECP Complaint Portal (SDMS): Lodge Online Complaint
- FIA Cyber Crime (Reporting): Report Blackmailing/Fraud
- SBP Sunwai Customer Portal: Bank Related Complaints
- Q1: Kya illegal apps ka loan wapas karna zaroori hai?
- Jawab: Hukumat ke mutabiq ye apps illegal hain, magar kanooni pechidgiyon se bachne ke liye sirf "Original Principal Amount" wapas karna behtar hai, koi sood ya late fee na dein.
- Q2: Kya ye meri photos leak kar sakte hain?
- Jawab: Ye sirf darane ke liye hota hai. Agar aisa ho to foran FIA ko report karein.
- Q3: SECP ki whitelist kahan se milegi?
- Jawab: SECP ki official website par "Licensed NBFCs" ki list mojood hai.
- Q4: EasyPaisa ke zariye loan dena safe hai?
- Jawab: EasyPaisa khud aik platform hai, us par mojood third-party apps ko verify karna zaroori hai.
- Q5: Kya ye log ghar aa sakte hain?
- Jawab: Nahi, ye illegal mafia hai, ye kabhi kisi ke ghar nahi aate, sirf phone par dhamkiyan dete hain.
- Q6: Mera mobile data chori ho gaya hai, ab kya karoon?
- Jawab: Apne contacts ko pehle hi agah kar dein ke mera data hack ho gaya hai, koi bhi call aaye to ignore karein.
- Q7: Kya FIA inhein pakar sakti hai?
- Jawab: Ji han, FIA Cyber Crime Wing ne hazaron aisi apps ke server aur call centers trace kar ke unhein seal kiya hai.
- Q8: "Sunwai" App kya hai?
- Jawab: SBP ki ye app banks aur microfinance se mutalika shikayat ke liye behtareen hai.
- Q9: Kya APK file install karna safe hai?
- Jawab: Hargiz nahi! Ye mobile mein virus aur spyware dalti hain.
- Q10: Konsi apps registered hain?
- Jawab: Barwaqt, SmartQarza aur Cashew jaisi apps licensed rahi hain, magar waqt ke sath unka status check karna laazmi hai.
- Zarurat kitni hi bari kyun na ho, hamesha bank ya kisi tasdeeq shuda idaray se ruju karein. Humein lagta hai ke ye 10-20 hazar ka loan aap ki izzat se barh kar nahi hai. Mashwara hai ke kisi bhi app ko "Contacts" aur "Gallery" ka access hargiz na dein. Agar koi tang kare, to block karein aur FIA ko report karein, darne ki koi zaroorat nahi.
Shukriya!- Agar koi bi Sawal poochna ho to app Comment Box mein likh sakte hain.
- Agar koi bi Sawal poochna ho to app Comment Box mein likh sakte hain.