In short
A fraudster tricks the victim into entering a UPI PIN under a false purpose The objective is typically to authorize a debit or expose authentication in a fraudulent flow.
What it is
The PIN entry is described as necessary to receive, verify, refund or unblock money. The victim is then pushed to enter the UPI PIN in a flow initiated by the fraudster.
How it starts
A fraudster tricks the victim into entering a UPI PIN under a false purpose.
What they tell you
The PIN entry is described as necessary to receive, verify, refund or unblock money
What they want you to do
Enter the UPI PIN in a flow initiated by the fraudster
How you lose money
authorize a debit or expose authentication in a fraudulent flow
What happens next
After the first successful step, the fraudster may demand more money/information, deepen account or device access, or disappear.
Warning signs
confusion | trust | urgency | UPI PIN social engineering
Where this is documented
India — officially documented by an Indian authority/regulator
How to avoid it
Remember that a UPI PIN authorizes a debit; verify collect requests and QR codes before approving; do not install screen-sharing or SMS-forwarding apps at a stranger's request.
If it already happened
Contact the bank/payment provider immediately if money moved; report financial cyber fraud promptly via 1930 and cybercrime.gov.in; preserve messages, transaction IDs, phone numbers and URLs.