In recent years, Unified Payments Interface (UPI) has revolutionised digital payments in India, allowing millions to transfer money instantly with just a smartphone. With over 10 billion monthly transactions, UPI is now an essential part of our daily financial life. However, with such rapid adoption and ease of use, cybercriminals have also found opportunities to exploit loopholes, leaving unsuspecting users vulnerable to online scams.This comprehensive guide will help you understand what UPI frauds are, how they work, and most importantly, how you can protect yourself with smart habits, tools, and awareness.