Cyber Security

How to secure your UPI: 8 habits every user should have

UPI scams have gone up sharply. These eight habits — none of them technical — will prevent almost every attack in the wild today.

Bharat AI Sathi Editorial 6 min read
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How to secure your UPI: 8 habits every user should have — featured image, Bharat AI Sathi Cyber Security guide

Almost every UPI scam relies on the victim doing one of three things: entering a UPI PIN to "receive" money, approving a collect request they didn't initiate, or clicking a link.

The eight habits 1. Never enter your UPI PIN to receive money — receiving is free and PIN-free. 2. Reject every collect request unless you initiated the purchase seconds ago. 3. Screenshots from strangers are not proof of payment. 4. Don't scan QR codes to receive money. Scanning is for paying. 5. Set a low daily UPI limit in your bank app. Raise it only for a specific transaction. 6. Verify the payee name that shows up before approving. 7. Enable UPI Lite for small payments — it caps risk automatically. 8. Report a fraud to 1930 within 24 hours to maximise the chance of reversal.

Share this list with anyone in your family who's new to UPI. The elderly are the most-targeted group in current fraud data.

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Bharat AI Sathi Editorial

The Bharat AI Sathi team writes practical, plain-language guides on AI tools, careers and Indian government services. Scheme rules, fees and dates change often — always confirm the latest details on the official website before you act. Published 12 June 2026.

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