Cyber ​​fraud is no longer a new thing. Lakhs of people have fallen victim to it. However, the Department of Cyber ​​Security and the Government of India are making people aware about it. In this regard, the Department of Telecommunications (DoT) of the Government of India has issued new security measures for lakhs of UPI users. This security measure is being called the Financial Fraud Risk Indicator (FRI), which will involve banking and non-banking institutions to prevent common UPI-related frauds and scams. All these institutions will work together to prevent scams.

In fact, the Financial Fraud Risk Indicator released by the Department of Telecommunications will primarily analyse certain phone numbers and ultimately block such numbers that are attempting cybercrime activity. Launched under the Digital Intelligence Platform, the measure is designed to create a secure payment system and encourage more people across the country to adopt digital transactions. The FRI system will help banks and non-banking institutions identify risky transactions, thereby preventing them before they are completed.

UPI Security Update

The Financial Fraud Risk Indicator System will act as a tool that will help financial institutions keep an eye on suspicious phone numbers and UPI addresses. It is being said that the FRI will mark numbers that have been reported as sources of spam or cybercrime. This will also include numbers that have failed the verification process and have been found to be violating various rules.

Once the numbers are marked, they will be categorized into three levels of risk – medium, high and very high. This categorization will be done entirely based on the National Cybercrime Reporting Portal, Chakshu platform and other intelligence received from financial institutions.

Once categorized, the data is sent to central servers. Whenever a UPI user tries to transfer money to such a number if the transaction is marked as ‘very high risk’, the UPI app will block that transaction and alert the user. For numbers marked as medium risk, a warning will be given to the user.

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This new initiative is called Financial Fraud Risk Indicator (FRI). Its job is to identify mobile numbers that may be involved in fraud. If a number is being used for cybercrime or any suspicious activity is seen in it, it will be blocked.

What will the new system do?

The FRI system is a kind of digital alert tool. As soon as any banking or UPI transaction involves a suspicious number, this system will identify it and alert banks and other financial institutions. Fraud can be stopped before it happens.

The most special thing about this system is that it will work not only for banks but also for non-banking platforms. That is, apps like Paytm, PhonePe, GPay will also be able to keep their users safe with the help of this tool.

What numbers will FRI catch?

• Numbers that have already been found to be associated with a scam
• Numbers that have not completed KYC or verification
• Or those who repeatedly violate the rules

All such numbers will be flagged through this system and blocked if necessary.

Why is it important?

Nowadays, digital payments have become very common, but with it, cases of cyber fraud have also increased rapidly. In such a situation, this step of the government will not only increase the security of the common people but also increase the trust in digital transactions.

What should users do?

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Due to UPI outage, customers of HDFC Bank, State Bank of India, Bank of Baroda and Kotak Mahindra Bank faced a lot of problems in online payments. Due to UPI being down, thousands across the country were neither able to receive money nor transfer money. However, now UPI has been completely fixed and now all the services are working as before.

Due to this outage which lasted for about one and a half hours, users using different applications faced many problems. After this, NPCI tweeted and informed about the restoration of UPI services. NPCI also released an official statement regarding the reason for the outage.

NPCI had faced intermittent technical issues owing to which UPI had partial decline. The same has been addressed now and the system has stabilised. Regret the inconvenience.

— NPCI (@NPCI_NPCI) March 26, 2025

NPCI posted on social media platform X (formerly Twitter) that the outage was due to technical problems. NPCI said that all the technical problems have now been completely resolved and now users can use UPI.

According to DownDetector, the problem with UPI started by 7:50 pm. Within a short time, thousands of complaints were registered on the website regarding the outage. Let us tell you that India’s Unified Payments Interface is a popular online payment service. It has been designed by the National Payments Corporation of India. At present, no response has been given by NPCI regarding the UPI outage.

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The National Payments Corporation of India (NPCI) has issued an important circular, which has given information about the new rules related to UPI ID. According to these rules, no financial transactions can be done through UPI ID with special characters from February 1, 2025.

From February 1, a new rule has come into effect for all financial transactions related to UPI. Now only alphanumeric letters (AZ, az, 0-9) can be used in UPI ID. This means that UPI IDs made up of special characters like @, #, %, $ will no longer be valid. If you have used any such ID, it will no longer be eligible for transactions through UPI.

Why did NPCI take this step?

This step has been taken with the aim of making UPI transactions simple and secure. Earlier too, NPCI had suggested alphanumeric ID for UPI ID, but some banks and payment companies were ignoring it. Now, NPCI has decided to take strict action against non-compliance of this rule. Implementation of these new instructions will ensure a better and more secure payment experience for both the UPI user and the bank.

What do you have to do?

If you are still using any special symbols like @, #, %, $ etc. in your UPI ID, then you will need to change it. Failure to do so may result in your UPI ID being blocked for financial transactions. Therefore, you will have to make your ID alphanumeric, so that you can make transactions without any hassle.

This change is being made with the aim of making UPI more secure and user-friendly. If you had added any special symbols to your UPI ID till now, this is the deadline for you to change it properly.

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If you want to withdraw money from an ATM machine, a debit card is required. But in today’s digital and technology era, you can withdraw money from ATM machine even without a debit card. For this you should only have your mobile. For this you do not need an ATM card. This banking service has been running for many days.

Although many banks were already providing the facility to their customers to withdraw money without card, but now the Reserve Bank has further expanded its scope. UPI i.e. Unified Payment Interface will be used for this facility. RBI has allowed banks to provide the facility of withdrawing money without using the card. Today we will talk in detail about withdrawing money from ATM without card.

To withdraw money from ATM without debit card, you must have a smartphone. Your smartphone should have any UPI enabled app like BHIM, Paytm, GPay, PhonePe etc. You will be able to withdraw money through these apps only.

Follow these steps

To withdraw money, first go to the ATM and choose the option to withdraw money without card. You will see the option to provide identification through UPI. After this, open the UPI app in your mobile and scan the QR code visible in front. You will be authenticated through UPI and after that you will be able to withdraw money. The further process will be the same as before. Enter the amount of money you want and withdraw your money.

Which technology will be used?

The Reserve Bank will soon issue separate instructions to NPCI, ATM network and banks to provide the facility of withdrawing money from ATM without debit card. Unified Payment Interface i.e. UPI will be used for this facility. Customers will be identified through UPI and such transactions will be settled through the ATM network. Let us tell you that this step will also provide a lot of relief to banks.

Benefits of withdrawing money without card

Reserve Bank Governor Shakti anta Das has said that the facility of withdrawing money from ATM without card is very beneficial. He had said that the facility of cash withdrawal without card will help in preventing frauds like card skimming, card cloning. Apart from this, you will not need to keep the card with you. Your smartphone will do all this work.

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Online payments have become a convenient option to send money instead of standing in long queues at bank branches or ATMs while digital payments through Unified Payments Interface (UPI) are convenient and easy, though at times prone to errors Because wrong UPI ID or account number can lead to wrong transaction.

There are two common problems many people often face while making transfers online through UPI Payments – wrong amount transfer or transfer amount to the wrong person. However, in such cases one need not panic as the money can be easily obtained.

In case of wrong online payment, all you have to do is call the customer care of payment platforms like GPay, PhonePe, Paytm UPI. Register a complaint by sharing transaction details. In addition to this, you will also have to file a complaint with your bank.

Make a complaint

RBI guidelines state that in case of erroneous payment, the money can be refunded within 48 hours of the complaint. It is important to note that the complaint should be lodged within 3 days of the transaction. Similarly, whenever a payment is made to a wrong bank account through UPI or net banking, the first step is to call the number provided by the government or RBI and lodge a complaint.

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Give all the information, after that go to the concerned bank and fill a form, which has all the information. If the bank refuses to help, complain to the Ombudsman of the Reserve Bank of Indiabankingombudsman.rbi.org.in Do it.

Remember not to delete the transaction message from the phone as it contains the PPBL number which is required at the time of complaint. Do not forget to mention this number in the complaint form along with all other details and your complaint.

Be careful

In addition, you can also file a complaint about erroneous transactions through the website of the National Payments Corporation of India (NPCI), the body created by the Reserve Bank of India that provides UPI services. Always remember to be careful while entering the recipient’s UPI ID, their phone number, the amount being transferred and the UPI PIN of your account.

If any of these go wrong, you could end up sending the wrong amount to the recipient or the right amount to the wrong person and unnecessarily lose money. It is common to make a mistake while making a hasty payment, so avoid it at all costs.

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All companies like Google Pay (GPay), Phone Pay (PhonePe), Amazon Pay (Amazon Pay) and Paytm (Paytm) have fixed the limit for doing transactions every day, which will affect crores of UPI users in the country. Information has been given by issuing a notification in this regard from NPCI.

Check how much transaction can be done every day?

According to the guidelines of the National Payment Corporation of India, now you can transact only up to Rs 1 lakh per day through UPI. At the same time, some small banks have fixed this limit up to 25,000. Let’s check now through which app how much transaction you can do every day.

What is the limit of Amazon Pay?

Amazon Pay has fixed the maximum limit for payment through UPI at Rs 1,00,000. After registering on Amazon Pay UPI, the user can transact only up to Rs 5000 in the first 24 hours. At the same time, on the basis of the bank, the number of transactions has been fixed at 20 every day.

Paytm also fixed the limit

Paytm UPI has fixed a limit of up to Rs 1 lakh for the users. Along with this, Paytm has also transferred the limit per hour. Paytm has told that now you can do only Rs 20,000 transactions every hour. Apart from this, 5 transactions can be done per hour and only 20 transactions can be done in a day.

What is the limit of PhonePe?

PhonePe has set a daily UPI transaction limit of Rs 1,00,000. In addition, a person can do a maximum of 10 or 20 transactions per day through PhonePe UPI, depending on the bank’s guidelines.

Only 10 transactions can be done with Google Pay

Google Pay or GPay has set a total limit of 10 transactions across all UPI apps and bank accounts. Users will be able to do only 10 transactions in a day. With this, you will be able to do transactions up to one lakh rupees per day.

There is no fixed hourly limit in these apps.

Let us tell you that no hourly limit has been fixed on Google Pay and Phone Pay. However, if any person sends you money request of more than Rs 2000 through this app, then the app will halt it.

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How easy has the UPI Payment System made the life of common people. Be it making payments to the vegetable vendor on the roadside or at the showroom of fashionable brands in the mall, UPI is well-liked everywhere. But do you know that the transaction limit (UPI Transaction Limit) is fixed on different UPI payment apps like Paytm , GPay and PhonePe . Know what is the limit on which app…

UPI payment limit

Bank 2 Bank real time transfer takes place in the UPI payment system . That’s why different banks have fixed different daily limits for this. According to the guidelines of the National Payment Corporation of India (NPCI) , a transaction of Rs 1 lakh can be done every day from UPI. Although some small banks have fixed its limit up to Rs 25,000.

Hourly limit on Paytm

Paytm app is very popular among people for UPI payment. The daily maximum limit of UPI payment on this app (UPI Daily Transfer Limit) is Rs 1 lakh only. At the same time, you can do maximum 20 UPI transactions with this app in a day. But the UPI payment limit on Paytm also varies according to the hour.

You cannot transfer more than Rs 20,000 on Paytm within 1 hour. At the same time, every hour you can do only a maximum of 5 UPI transactions with this app.

UPI payment on PhonePe, GPay

Apart from Paytm, apps like PhonePe and Google Pay are also popular among people for UPI payment. The daily transfer limit on these too is Rs 1 lakh. While GPay offers the facility of 10 transactions in a day, while on PhonePe this limit is up to 10 or 20 depending on the bank.

There is no hourly limit on both these apps. But one special thing is that if a person sends you a money request of more than Rs 2,000 on these apps, then these apps halt it.

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