How to Report Fraudulent UPI Transactions to Cyber Cell

Recognizing UPI fraud patterns early

Common frauds include phishing links, fake collect requests, impersonation calls, and screen-sharing scams. Quick recognition is critical because the recovery window narrows as time passes.

Immediate steps after a suspected fraud

Stop further transactions, disconnect any screen-sharing sessions, and secure your account by changing PINs or disabling UPI temporarily. Capture transaction details, timestamps, and screenshots as evidence.

Reporting through your UPI app and bank

Raise a dispute within the app using the transaction reference ID. Notify your bank’s customer support immediately so they can initiate internal checks and, where possible, attempt a hold on beneficiary accounts.

Filing a complaint with cyber authorities

Use official cybercrime reporting channels to lodge a complaint. Provide accurate details including transaction IDs, amounts, and communication records. Timely reporting improves the chance of action.

Understanding timelines and expectations

Outcomes depend on how quickly the case is reported and whether funds can be traced before withdrawal. Not all cases result in recovery, but prompt action significantly improves odds.

Preventive measures going forward

Never approve unknown collect requests, avoid sharing OTP/PIN, and verify merchant identities. Use app security features like device binding and alerts.

Maintaining a personal incident log

Keeping a record of suspicious interactions helps during investigations and future prevention.

UPI transactions are governed by NPCI guidelines. Stashfin is an RBI-registered NBFC.