So, you clicked on a link, or maybe someone called pretending to be from your bank, and the next thing you know, money’s gone from your account. If you’re reading this, chances are you (or someone you know) just got hit by a UPI fraud.
It sucks. It’s scary. And honestly, it happens way more than you think.
The good news? You can report it. And in many cases, you might even get your money back—if you act fast.
Let’s break it down, step by step. No complicated jargon. No fancy tech talk. Just real stuff you can do right now.
How to Report UPI Frauds in India?
If you’ve fallen victim to a UPI scam, don’t panic; there are proper channels to report and possibly recover your money.
Time matters a lot. The quicker you report the fraud, the higher the chance your bank or payment app can freeze the transaction or trace the money.
Even a 30-minute delay can sometimes make all the difference.
So, pick up your phone and start with the right process to register your complaint.
1. Call Your Bank or UPI App First
Whether you use PhonePe, Google Pay, Paytm, or your bank’s UPI app, open it up and find the helpline or support section.
Most of these apps now have a “Report Fraud” option—tap it and follow the steps. If you can’t find it, call their helpline immediately. Speak to a real person if possible.
Keep these handy:
- The transaction ID
- Your registered mobile number
- Date and time of the fraud
- A short description of what happened
2. Lodge a Complaint on the NPCI Portal
- Go to the NCPI portal.
- This is the official place to file UPI-related disputes.
- Fill in the details, again, keep that transaction ID and screenshots ready.
- Select the right category of the issue (fraud, incorrect transfer, etc.) and submit it.
3. File a Cyber Crime Complaint
This is important. Even if you’ve informed your bank, also file a complaint with the Cyber Crime Cell.
- Click on “Report Other Cyber Crimes” and file the complaint with as much detail as possible.
- Upload screenshots, UPI IDs involved, chat history if any.
- Remember, the more info, the better.
Don’t forget to save the complaint or acknowledgement number to track the status of your complaint later.
4. Visit Your Local Police Station
If the fraud is more than a few thousand rupees, it’s worth filing an FIR.
- Go to your nearest police station and explain everything.
- A written complaint with a receiving stamp is better than nothing.
If you need assistance to report UPI frauds and in following up on your filed complaint, register with us now. Our team will assist you with the right steps ahead and guide you with the recovery of your losses.
How to Protect Yourself from UPI Frauds?
After it happens once, most people either become extra cautious or stop using UPI altogether. You don’t need to panic. Just learn what not to do.
Here’s what helps:
- Never click on unknown links claiming cashback or refunds
- Don’t scan QR codes sent by random strangers
- No one from a bank or app will ever ask for your PIN
- Enable SMS/email alerts for every transaction
Once you know how these scams work, they’re easy to avoid.
Conclusion
If you’re feeling frustrated or embarrassed, don’t be. UPI fraud doesn’t just happen to “naive” users; it happens to professionals, students, and even retired folks.
The systems are getting better, and the awareness is growing, but we still need to be alert and take action fast.
So if this blog helped even one person act quickly and smartly, it’s worth it.
