Is UPI safe in India?

Yes, UPI is safe in India. Its security is ensured by guidelines from the National Payments Corporation of India (NPCI) and the Reserve Bank of India (RBI). These guidelines mandate features like PIN protection, transaction encryption, and OTP verification to secure digital transactions. Leading applications, such as Paytm, often implement two-factor authentication and additional security measures, like app-level biometric locks and instant fraud alerts, to enhance user protection.