Question 1

What is the "UPI QR Code Payment Fraud" scam in Mumbai?

Accepted Answer

Scammers in Mumbai markets, tourist areas, and even at some small shops replace legitimate merchant QR codes with their own, or hand tourists a fraudulent QR code to scan for a "refund" or "payment." Scanning and entering your UPI PIN sends money to the fraudster rather than the merchant. India reported over 6 lakh UPI fraud cases in 2024-25, with Mumbai among the highest-volume cities. Always verify the recipient name displayed on your payment app before confirming any UPI transaction — it should match the merchant. Never scan a QR code handed to you by a stranger. Be aware that UPI is for paying out, not for receiving money — if someone asks you to enter your PIN to receive a refund, that is always a scam.

Question 2

What is the "Fake Railway Customer Service Phishing" scam in Mumbai?

Accepted Answer

Scammers monitor social media complaints about Indian Railways (IRCTC) and proactively call or message tourists who have posted about booking issues. Posing as IRCTC support agents, they request PNR numbers, payment details, and OTPs, then use these to drain linked bank accounts or rebook tickets in their own name. Malicious APK files sent via WhatsApp as "complaint forms" also capture banking credentials. IRCTC customer support never initiates outbound calls asking for OTPs, PINs, or full card numbers. Only contact IRCTC through the official app or website (irctc.co.in). Do not install any APK file sent via WhatsApp, SMS, or email claiming to be a complaint or refund form. Hang up immediately if asked for an OTP.

Online Scams in Mumbai

UPI QR Code Payment Fraud

Fake Railway Customer Service Phishing

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