India me UPI (Unified Payments Interface) sabse fast aur secure payment system hai.
Lekin jaise-jaise UPI popular hua, waise-waise fake UPI messages, fraud payment links, aur scam calls bhi badh gaye.
Aaj kal scammers logon ko aise messages bhejte hain jisme likha hota hai:
- “Aapko refund mila hai, click here to receive.”
- “Your KYC is expiring, update now.”
- “You have received ₹25,000, accept payment.”
Agar aap galti se ye link click kar de, to aapka paisa seedha scammer ke account me transfer ho sakta hai.
Is guide me hum complete step-by-step tareeke se samjhenge ki fake UPI message ko kaise identify kare, aur kaise apne aap ko scam se bacha sakte ho.
Is guide me hum Fake UPI Message Scam ke sabhi important points cover karenge.
Table of Contents
✔️1. Fake UPI Message Scam Kya Hota Hai? (Full Explanation)
Fake UPI message ek fraud SMS / WhatsApp message hota hai jo bank, UPI app, ya government ke naam par bheja jata hai.
Inka aim hota hai:
- Aapka UPI PIN steal karna
- Aapko phishing link par le jana
- Aapke phone ka access lena
- Money steal karna
Ye messages official lagte hain, lekin hote scammers ke.
✔️ 2. Fake UPI Message Scam Ko Kaise Identify Kare?
2.1 Sender ID always suspicious hoti hai
Original UPI apps hamesha verified sender ID use karti hain.
Fake messages:
- Normal number se aate hain
- “VM-UPIREF”, “VK-BANKUP”, jaise weird names hote hain
- Koi official identity nahi hoti
👉 Rule:
Agar message unknown mobile number se aaya hai → 99% Scam
2.2 Fake UPI Links — sabse bada red flag
Fake UPI messages me hamesha links hote hain:
- upi-updates.xyz
- secure-paytm.verify
- app-upi.in
- fast-refund.site
Government / UPI apps kabhi bhi link nahi bhejte.
2.3 “Payment Receive” message me link hota hai
UPI me payment receive karne ke liye koi link click nahi hota.
Original UPI:
→ Payment automatically aa jati hai
→ Notification app ke andar milta hai
→ No link needed
Fake UPI:
→ “Click to accept payment”
→ “Payment pending, approve now”
This is 100% SCAM.
2.4 KYC Expiry Threat
Fake messages me likha hota hai:
- “Your KYC expired”
- “Your account will be blocked”
- “Update KYC in 2 hours”
UPI companies NEVER send KYC reminder via SMS.
2.5 Grammar & spelling mistakes
Fake SMS me:
- Capital letters galat
- Spelling mistakes
- Bad formatting
Official banks kabhi galat English nahi bhejte.
✔️ 3. Types of Fake UPI Scams in 2025
3.1 Refund Scam
Scammer kehta hai ki refund aa raha hai.
Link deta hai → paisa chala jata hai.
3.2 Request Money Scam
Scammer aapko UPI “request money” bhejta hai.
Aap galti se approve kar dete ho → paisa chala jata hai.
3.3 Fake Customer Care Scam
Fake helpline number Google pe daal kar logon ko fasate hain.
3.4 QR Code Scam
QR code scan karne par scammer ko paisa chala jata hai.
✔️ 4. How to Check if UPI Message is Real or Fake
4.1 UPI app me login karke verify karein
Kabhi bhi SMS link par mat click karein.
Direct apne UPI app (GPay, PhonePe, Paytm) open karein:
- Transactions
- Notifications
- Payment history
Yaha sab clear hota hai.
4.2 Bank call mat uthayein (jab tak aapne issue report nahi kiya ho)
Bank kabhi call nahi karta:
- UPI PIN
- OTP
- Debit card number
- CVV
na hi ye sab maangta hai.
4.3 Official UPI handle ko verify karein
Government official website:
https://www.indiagov.in
https://www.rbi.org.in
Hamesha official site check karein.
✔️ 5. What to Do If You Received a Fake UPI Message?
Step 1: Screenshot le ke save kar lo
Step 2: NEVER click the link
Step 3: Scammer number block kar do
Step 4: Report at:
- cybercrime.gov.in
- 1930 (cyber helpline)
Step 5: UPI app password/MPIN change kar lo
✔️ 6. How to Stay Safe from UPI Scams (Pro Tips)
- Never scan unknown QR codes
- Never click SMS payment links
- Always check the sender name
- UPI PIN kisi ke saath share na karein
- Install apps only from Play Store / App Store
🏁 Conclusion
UPI scams India me bahut fast grow ho rahe hain, lekin thoda awareness aur basic checks se aap easily in sab frauds se bach sakte ho.
Is guide ko share karein taaki sab log safe rahen.
Agar aap UPI fraud se related aur guides dekhna chahte hain, to hamara Scam Alert section check karein.
👉 Also read: What is KYC Scam? (add link later)
