Scams aur fake apps se kaise bachein

Transcript

What Hira says, in Roman Urdu, with the English translation beneath each line.

1. 0:04Assalam-o-Alaikum, welcome to danioPSX. Aaiye seekhein, financial independence ke liye.Assalam-o-Alaikum, welcome to danioPSX. Let's learn, for financial independence.
2. 0:14Ye hai lecture number six. Aaj hum seekhenge fake apps, signal groups aur guaranteed profit wali schemes kaise kaam karti hain, aur paisa kaise bachayein.This is lecture six. Today we learn how fake apps, signal groups and guaranteed-profit schemes work, and how to keep your money safe.
3. 0:27Sab se zaroori rule: asli PSX investing sirf licensed broker ke zariye hoti hai, aur shares hamesha CDC mein aapke apne naam par. Jo is mein fit na ho, wahan ruk jayein.The most important rule: real PSX investing happens only through a licensed broker, with shares always at CDC in your own name. If something doesn't fit, stop.
4. 0:44Scam number one: fake trading apps. Ad dekh kar app download hoti hai, balance tezi se barhta dikhta hai, lekin withdraw par fee maangi jaati hai, aur paisa ghayab.Scam one: fake trading apps. You download an app from an ad and the balance seems to grow fast, but withdrawing needs a fee, and the money is gone.
5. 0:57Asli misaal: November twenty twenty five mein SECP ne TSL WEALTH app ki warning di, jo Topline Securities ka naam istemal kar rahi thi aur licensed nahi thi.A real example: in November 2025 SECP warned about the TSL WEALTH app, which was using Topline Securities' name and was not licensed.
6. 1:08Bachao: app sirf broker ki official website ke link se lein. Aur CDC mein holdings check karein. App mein shares dikhein lekin CDC mein nahi, to wo shares hain hi nahi.Protection: get the app only from the broker's official website link. And check your holdings at CDC. If an app shows shares that never appear in CDC, those shares don't exist.
7. 1:24Scam number two: WhatsApp aur Telegram signal groups. Sure-shot calls aur profit ke screenshots dikhaye jaate hain, phir premium membership ki fees maangi jaati hai.Scam two: WhatsApp and Telegram signal groups. They show sure-shot calls and profit screenshots, then ask for a fee for premium membership.
8. 1:39Kuch groups pump and dump karte hain: organisers sasta stock pehle khareedte hain, members se khareedwate hain, aur mehngi price par apne shares bech dete hain.Some groups run pump and dump schemes: organisers buy a cheap stock first, get members to buy, and sell their own shares to them at the inflated price.
9. 1:52Scam number three: guaranteed returns. Shares par koi bhi return guarantee nahi kar sakta. Twenty twenty six ke shuru mein KSE-100 chhe hafton mein taqreeban twenty percent gira tha.Scam three: guaranteed returns. No one can guarantee returns on shares. In early 2026 the KSE-100 fell nearly 20% in six weeks.
10. 2:10Scam number four: personal account. Paisa sirf broker ke company client account mein dalein. Koi personal bank account, JazzCash ya Easypaisa wallet maange, to ye red flag hai.Scam four: personal accounts. Deposit only into the broker's company client account. If anyone asks for a personal bank account or a JazzCash or Easypaisa wallet, that's a red flag.
11. 2:26Scam number five: forex, crypto aur binary option apps jo khud ko trading app kehti hain. In ka PSX se koi taaluq nahi, na PSX ya CDC protection.Scam five: forex, crypto and binary-option apps that call themselves trading apps. They have nothing to do with PSX, and no PSX or CDC protection.
12. 2:42Scam ho jaye to paisa bhejna band karein, SECP, PSX aur FIA cybercrime ko report karein, bank ko foran batayein, aur saboot sambhal kar rakhein.If you are scammed, stop sending money, report it to SECP, PSX and the FIA cybercrime wing, tell your bank at once, and keep the evidence.
13. 2:53Brokers page par safety steps aur aapki protections hain: shares aapke apne CDC account mein, client ka paisa alag account mein, aur broker default kare to compensation fund.The brokers page lists safety steps and your protections: shares in your own CDC account, client money in a separate account, and a compensation fund if a broker defaults.
14. 3:06To aaj humne seekha: sirf licensed broker aur CDC, guaranteed profit matlab scam, aur paisa sirf company client account mein. Homework: apni broker app ka link broker ki official website se match karein.So today we learned: only a licensed broker and CDC, guaranteed profit means a scam, and money only into the company client account. Homework: match your broker app's link with the broker's official website.
15. 3:20Next lecture mein hum apna pehla order samjhenge: market order, limit order, lots aur brokerage. Video achi lagi ho to subscribe karein. Ye sirf education ke liye hai, investment advice nahi. Allah Hafiz!In the next lecture we'll understand our first order: market orders, limit orders, lots and brokerage. If you liked the video, please subscribe. This is for education only, not investment advice. Allah Hafiz!