Recently, some news reports and social media posts have raised alarms about a new form of digital fraud termed the “Jumped Deposit” scam, supposedly targeting UPI (Unified Payments Interface) users. These reports have caused confusion and fear among users who rely on UPI for fast and secure digital transactions.
To address this concern, the National Payments Corporation of India (NPCI) has issued an official clarification, debunking the claims and ensuring the safety of the UPI ecosystem.
🔍 What Is the ‘Jumped Deposit’ Scam?
As per circulating reports, the “Jumped Deposit” scam allegedly involves fraudsters tricking users into unknowingly approving a payment request, supposedly by simply opening a UPI or banking app. However, these claims have been found to be technically incorrect and misleading.
🛡️ NPCI’s Clarification: UPI Remains Secure and Reliable
The NPCI has strongly refuted these claims and provided the following key points to clear the confusion:
✅ 1. Opening a UPI App Does NOT Approve Any Transaction
Simply opening a UPI-enabled banking or wallet app does not trigger or approve any payment. For a transaction to occur:
The user must manually click on a payment request
Then enter their UPI PIN to authorise the transaction
Without these steps, no transaction can take place.
✅ 2. No External Party Can Withdraw Money Without Your Action
UPI is a device-bound payment system. Your account is linked to:
Your registered mobile number
Your personal mobile device
This means:
Only the user can initiate any transaction
No third party can access or withdraw money from your account remotely
✅ 3. Entering UPI PIN is Required Even for Balance Checks
Even if you are checking your balance, you must enter your UPI PIN — and that alone does not approve any payments.
Every payment request requires a separate, manual authorisation by the user.
🔐 UPI’s Security Standards
UPI continues to maintain bank-grade security with:
End-to-end encryption
Device binding
Multi-factor authentication
Real-time fraud detection systems
🧠 Users Are Encouraged to Stay Informed, Not Fearful
While cyber hygiene is essential, users should not fall for fear-based misinformation. UPI has transformed digital payments in India with speed, safety, and simplicity — and continues to operate under strict regulatory oversight.
NPCI urges users to stay alert, not share their UPI PIN, and report any suspicious activity to their bank or payment provider immediately.
📝 Conclusion
The so-called ‘Jumped Deposit’ scam appears to be a misrepresentation of how UPI works. NPCI has made it clear that no such fraud has been reported on the platform, and users’ money cannot be withdrawn without their direct, manual approval.
Keep using UPI with confidence and caution — it’s still one of the safest digital payment systems in the world.