UPI: your PIN is only for paying
UPI: आपका PIN सिर्फ़ भुगतान के लिए है
You never need your UPI PIN, a QR scan or an OTP to receive money. A "collect request" asking for your PIN takes money out.
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UPI: your PIN is only for paying
Why it matters: The most common UPI trick is a fake request that says "enter your UPI PIN to receive money". The RBI warns about exactly this.
Step by step
- Before you enter your UPI PIN, read the screen: it should say you are paying, the amount and to whom.
- If someone says you must enter your PIN, scan a QR code or share an OTP to receive money — stop. The RBI says receiving money needs none of these.
- Decline a collect request you did not expect, even if it says "refund", "prize" or "cashback".
- Never tell anyone your UPI PIN, OTP, password or account login — the RBI says not even bank officials.
Watch out
- If a payment request surprises you, slow down and read it again before you do anything.
Check yourself
1. A buyer sends a UPI request: "Enter PIN to receive Rs 2,000." What happens if you enter it?
2. Which of these does the RBI say you need to receive money?
3. Who may you tell your UPI PIN?
UPI: आपका PIN सिर्फ़ भुगतान के लिए है
क्यों ज़रूरी है: UPI की सबसे आम धोखाधड़ी नकली रिक्वेस्ट है जिसमें लिखा होता है "पैसा पाने के लिए UPI PIN डालें"। RBI ठीक इसी की चेतावनी देता है।
चरण दर चरण
- UPI PIN डालने से पहले स्क्रीन पढ़ें: उसमें लिखा होना चाहिए कि आप भुगतान कर रहे हैं, कितनी राशि और किसे।
- कोई कहे कि पैसा पाने के लिए PIN डालना, QR स्कैन करना या OTP बताना होगा — रुक जाएँ। RBI कहता है कि पैसा पाने में इनमें से कुछ नहीं चाहिए।
- अनचाही कलेक्ट रिक्वेस्ट ठुकरा दें, चाहे उसमें "रिफ़ंड", "इनाम" या "कैशबैक" लिखा हो।
- अपना UPI PIN, OTP, पासवर्ड या लॉगिन किसी को न बताएँ — RBI कहता है, बैंक अधिकारियों को भी नहीं।
सावधान रहें
- कोई भुगतान रिक्वेस्ट अचानक आए, तो कुछ भी करने से पहले रुककर उसे दोबारा पढ़ें।
खुद को जाँचें
1. एक ख़रीदार UPI रिक्वेस्ट भेजता है: "₹2,000 पाने के लिए PIN डालें।" PIN डालने पर क्या होगा?
2. RBI के अनुसार पैसा पाने के लिए इनमें से क्या चाहिए?
3. अपना UPI PIN किसे बता सकते हैं?
Sources
- RBI press release, 28 Jan 2022: Consumer Awareness — Cyber Threats and Frauds ↗ — fake collect requests; receiving money needs no QR scan or PIN; never share PIN/OTP; read 26 Oct 2026.
Not checked by Shishya
- NPCI's own UPI safety page refused Shishya's check on 26 Oct 2026; this guide uses the RBI's note instead.
Made by Shishya (AI-assisted), checked against the sources above. The Hindi is Shishya's AI-assisted translation. Rules change — if a step no longer matches the official site, the official site is right.