UPI ne payments ko fast aur easy bana diya hai, lekin saath hi UPI fraud cases bhi kaafi badh gaye hain.
Aaj ke time me ek galat click aapka paisa nuksaan kara sakta hai.
Is blog me hum samjhenge:
- UPI fraud kya hota hai
- Common scam types
- Aur UPI fraud se kaise bachein
🔹 UPI Fraud Kya Hota Hai?
UPI fraud tab hota hai jab koi fraudster aapko dhokhe se UPI PIN share karwa leta hai, ya fake links, calls aur apps ke through paisa transfer karwa leta hai.
⚠️ Yaad rakhein:
UPI PIN sirf paisa bhejne ke liye hota hai, receive karne ke liye nahi.
🔹 Common UPI Fraud Types
1️⃣ Fake UPI Collect Request
- Unknown request aata hai
- Approve karte hi paisa kat jata hai
2️⃣ Fake Customer Care Call
- Fraudster bank ya app ka employee ban jata hai
- PIN / OTP maangta hai
3️⃣ QR Code Scam
- Bolta hai “QR scan karo, paisa milega”
- Scan karte hi payment ho jata hai
4️⃣ Fake Cashback / Offer Links
- WhatsApp / SMS par fake offers
- Link click karte hi account risk me
🔹 UPI Fraud Se Bachne Ke Best Tips
✅ 1. UPI PIN Kabhi Share Na Karein
- Bank ya UPI app kabhi PIN nahi maangta
✅ 2. Unknown Requests Reject Karein
- Agar paisa expect nahi kar rahe, approve na karein
✅ 3. QR Code Sirf Payment Ke Liye
- Paisa lene ke liye QR scan kabhi na karein
✅ 4. Official Apps Hi Use Karein
- Google Pay, PhonePe, Paytm (official versions)
✅ 5. App Lock & Phone Lock On Rakhein
- Extra security layer add hoti hai
🔹 Agar UPI Fraud Ho Jaye To Kya Karein?
1️⃣ Turant bank ko inform karein
2️⃣ UPI app ka customer care contact karein
3️⃣ 1930 helpline par call karein
4️⃣ cybercrime.gov.in par complaint file karein
⚠️ Jitni jaldi report, utna zyada recovery chance.
🔹 UPI Safety Golden Rules
✔ PIN = Secret
✔ Receive ke liye PIN nahi chahiye
✔ Unknown link = danger
✔ Pressure calls = scam
🔚 Final Words
UPI safe hai, bas aap alert rahein.
Thodi si awareness aapke hard‑earned paiso ko bacha sakti hai.
👉 Think before you click. Think before you approve.
