UPI Fraud Alert 2025: Digital transactions in India have increased significantly. Especially, UPI has made money transactions very easy, fast, and secure. However, alongside this, cases of fraud related to UPI are also increasing significantly. Given this, the Reserve Bank of India (RBI) has issued new guidelines in the year 2025. Its purpose is to protect users from online fraud and make the payment system stronger.
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Why are UPI frauds increasing?
- Digital transactions have increased significantly in the last few years. Along with this, cyber thugs have further increased their methods. There are some main reasons for the increase in UPI fraud.
- Cyber thugs steal the bank details of users by sending fake links or apps.
- Fraud by sending a QR code to send money instead of asking for money.
- Fraudulently getting OTP or UPI PIN by calling or messaging.
- Tampering with a bank account by swapping a SIM card and making a duplicate.
What are the RBI’s new guidelines?
RBI has issued new guidelines. Its purpose is to prevent fraud and alert users.
Real-time fraud detection system
Now AI-based fraud detection system will be mandatory in all banks and UPI apps, with the help of which any suspicious transaction can be stopped immediately.
Delay payment confirmation
If you transfer a large amount to an unknown account, then a “hold time” of 4 hours will be applied, so that if there is a suspicion of fraud, the user can cancel the transaction.
Change in daily transaction limit
The daily transaction limit for unverified receivers has been increased to Rs 5000, so that the loss of a large amount in a scam can be prevented.
QR code verification
Now, there will be a security seal on every QR code, which, on scanning, will give information about whose account this code is linked to.
UPI PIN Alert
If someone enters the wrong PIN repeatedly, the bank and the user will immediately get an alert.
24×7 Fraud Reporting Helpline
- Now 24×7 helpline and WhatsApp support will be necessary for all banks, so that fraud can be stopped immediately.
- Users should keep these things in mind
- RBI has asked users to be cautious with the new guidelines.
- Look carefully at unknown links, calls, or messages.
- Avoid sharing your UPI PIN, OTP, or bank details.
- Download UPI apps only from the official app store.
- Check the name of the recipient before scanning the QR code.
- Keep checking bank statements regularly.
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What to do in case of fraud?
- If the user becomes a victim of UPI fraud, they should do these things immediately.
- Complain to your bank’s 24×7 helpline or UPI app support.
- Visit the website www.cybercrime.gov.in and file an online complaint.
- File an FIR at your nearest police station.
- Save your transaction details and screenshots.