New cyber fraud wave targets UPI users across metro cities

A new cyber fraud wave is targeting UPI users across metro cities, marking a time sensitive digital security alert. The first paragraph uses the main keyword naturally while outlining the rising threat as fraudsters exploit payment habits, social engineering and gaps in user awareness.

Cybercrime units in major cities including Mumbai, Delhi, Bengaluru, Chennai, Pune and Hyderabad have reported a surge in cases involving fake payment links, impersonation calls and remote access scams. Fraudsters are using highly sophisticated tactics to trick users into revealing UPI PINs, approving fraudulent requests or installing malware disguised as customer support tools. With digital payments forming a large share of daily transactions, authorities have intensified monitoring and urged users to stay vigilant.

Fraudsters exploit fake links and payment requests to deceive users
Secondary keywords like phishing links and fraudulent requests shape this section. Criminals are sending convincing payment links through SMS, WhatsApp and social media platforms, often impersonating courier services, e commerce platforms or government bodies. These links redirect users to fake UPI pages that capture their credentials. Another common method involves sending small test payments to gain user trust and then initiating high value collect requests that prompt unsuspecting victims to enter their UPI PIN. Cyber experts warn that UPI PINs should never be shared or entered to receive money, as they are only required for sending money.

Impersonation calls and remote access tools drive major losses
Secondary keywords such as impersonation scams and remote access highlight the next layer of fraud. Fraudsters often pose as bank officials, customer support agents or app representatives, claiming that the victim’s account has issues that require immediate verification. During the call, users are persuaded to download remote access apps that allow fraudsters to monitor screens, capture OTPs and initiate transfers. Once access is granted, funds are rapidly moved across mule accounts, making recovery difficult. Police stations across metro cities report that many victims are tech savvy individuals who fall prey due to the urgency and authenticity displayed by scammers.

Businesses and delivery workers targeted through fake QR codes
Secondary keywords like QR code fraud and merchant scams explain another rising pattern. Small business owners, food delivery partners and cab drivers are receiving fake QR codes sent by customers claiming payment issues. When scanned, these codes sometimes lead to fraudulent payment approvals or link users to malicious apps. Fraudsters are also placing fake QR stickers on shop counters in crowded markets, redirecting payments to unknown accounts. As UPI QR codes have become universal across businesses, criminals are exploiting the ease and familiarity of the system to conduct quick thefts.

Authorities intensify investigation and public awareness efforts
Secondary keywords such as cyber investigation and public advisories detail the official response. Cybercrime units are working with banks, NPCI and digital payment companies to trace fraudulent accounts and block suspicious transactions. Multiple advisories have been issued cautioning users to avoid unknown links, verify caller identities and never download remote access applications on someone’s instruction. Police departments in metro cities are conducting awareness drives in residential areas, offices, colleges and commercial hubs. Banks have also strengthened warning messages on apps, prompting users to avoid entering PINs unless they initiate a transaction themselves.

Why metro cities are reporting the highest number of cases
Secondary keywords like urban vulnerability and digital density highlight underlying reasons. Metro regions have the highest digital transaction density, making them prime targets for organised cybercrime groups. High smartphone usage, frequent online purchases and widespread UPI adoption create many entry points for fraud attempts. Fraudsters take advantage of busy work schedules, faster response expectations and the assumption of convenience associated with digital payments. With many new users joining UPI ecosystems every month, scammers constantly shift their strategies to exploit behavioural patterns and common mistakes.

Steps users can take to avoid UPI fraud attempts
This section focuses on prevention using secondary keywords like user safety and secure payments. Experts recommend that users never click on unsolicited payment links, always verify the identity of callers and ignore messages urging urgent payment verification. UPI PINs should be treated like ATM PINs and never shared with anyone. Users should check payment requests carefully, especially collect requests, and avoid approving any that they did not initiate. Official customer support teams never ask for PINs, screen sharing or remote access. Enabling app lock, regular monitoring of bank statements and using official verified apps further reduce risk.

Takeaways
A sharp rise in UPI cyber fraud has been reported across metro cities.
Fake links, impersonation calls and remote access scams are driving major losses.
Businesses face risk from fake QR codes and fraudulent payment requests.
Authorities urge strict caution and stronger verification to prevent fraud.

FAQ
How are fraudsters stealing money from UPI users?
They use fake payment links, impersonation calls, remote access apps and fraudulent QR codes to trick users into sharing credentials or approving transfers.

Why are metro cities reporting more cases?
Higher digital transaction density, widespread UPI usage and busy urban routines make users more vulnerable to quick and targeted scams.

What is the safest way to avoid UPI fraud?
Never click unknown links, never share UPI PINs, avoid remote access apps, verify identities and approve only payment requests you initiate.

Can lost money be recovered?
Recovery is difficult but immediate reporting to banks and cybercrime portals increases the chances of freezing fraudulent accounts.