Active Scam28 Feb 2026

UPI/QR Code/OTP Fraud Bihar 2026 - Paisa Receive Karne Ke Liye PIN Mat Daalo

6 min read

Updated: 28 February 2026

Verified by SkillUpBihar Editorial Team on 28 Feb 2026

Verified Report

Active Case

Warning: Ye scam abhi bhi active ho sakta hai. Suspicious activity report karo: 1930 (Cyber Helpline)

Investigation Details

UPI/QR Code/OTP Fraud Bihar 2026 - Paisa Receive Ke Liye PIN Mat Daalo!

Ek rule yaad rakho - zindagi bhar kaam aayega: Paisa RECEIVE karne ke liye kabhi PIN nahi lagta, kabhi OTP nahi chahiye, kabhi QR scan nahi karna padta. Agar koi keh raha hai "QR scan karo paisa aayega" ya "OTP batao refund process hoga" - toh 100% FRAUD hai. Bihar mein UPI fraud cases 2022 se 2024 mein 3 guna badh gaye hain. Students ko scholarship, refund, aur prize ke naam pe target kiya ja raha hai. Quick Heal ne Bihar ko "online scam hotspot" declare kiya hai.

Quick Info

Detail	Information
Scam Type	UPI / QR Code / OTP Fraud
Target	Students, first-time smartphone users, online shoppers
Typical Loss	Rs 5,000 - Rs 50,000
Frequency	Very High - Bihar mein cybercrime cases: 5,712 (2024)
How	QR code scan, UPI collect request, OTP sharing
Report	1930 (Cyber Helpline) / cybercrime.gov.in

3 Tarike Se Hota Hai Ye Fraud

Type 1: QR Code Scan Fraud

Kaise hota hai:

OLX/Facebook Marketplace pe kuch bech rahe ho
"Buyer" kehta hai: "Paisa bhej raha hoon, ye QR code scan karo receive karne ke liye"
Tum scan karte ho aur UPI PIN enter karte ho
Paisa tumhare account se KAT jaata hai - tumhe MILTA nahi

Yaad Rakho: QR code scan = PAYMENT KARNA hai. Paisa receive karne ke liye QR scan kabhi nahi karna padta.

Type 2: UPI Collect Request Fraud

Kaise hota hai:

Tumhare phone pe UPI collect request aata hai: "Scholarship Rs 25,000 credited - Approve to receive"
Ya "Refund Rs 5,000 - Accept karo"
Tum approve/accept karte ho
Paisa tumhare account se KAT jaata hai

Yaad Rakho: Collect request = PAYMENT REQUEST hai. Koi tumhe paisa bhejega toh tumhare phone pe credit notification aata hai - koi approve nahi karna padta.

Type 3: OTP Sharing Fraud

Kaise hota hai:

Phone aata hai: "Main bank se bol raha hoon / government scheme se / scholarship department se"
"Aapke account mein Rs 25,000 process ho raha hai, verification ke liye OTP batao"
Tum OTP bata dete ho
Tumhare account se paisa nikal jaata hai ya UPI account hack ho jaata hai

Yaad Rakho: OTP sirf tumhari transactions verify karta hai. Koi bank, government, ya scheme kabhi phone pe OTP nahi maangta.

Bihar Students Ko Kaise Target Karte Hain?

Scammers specifically Bihar ke students ko in bahane se target karte hain:

Bahana (Excuse)	Reality
"Kanya Utthan Yojana ka Rs 25,000 approve karo"	Scholarship DBT se seedha account mein aata hai - koi approve nahi karna padta
"Medhasoft se scholarship verify karo, OTP do"	Medhasoft kabhi phone pe OTP nahi maangta
"Bihar Board result check karo, is link pe"	Result sirf results.biharboardonline.com pe aata hai
"BPSC ka refund process ho raha hai, QR scan karo"	BPSC kabhi QR code se refund nahi bhejta
"Student Credit Card loan approved, PIN daalo"	Loan approval ka letter aata hai, PIN nahi maangta koi

Golden Rules (Yaad Rakho Zindagi Bhar)

Paisa RECEIVE karne ke liye PIN nahi lagta - agar PIN maang raha hai toh SCAM hai
Paisa RECEIVE karne ke liye QR scan nahi karna padta - QR scan = payment karna
OTP KABHI kisi ko mat batao - bank bhi phone pe OTP nahi maangta
UPI collect request = payment request - ye approve mat karo
Government scholarship/refund DBT se aata hai - koi manual approve nahi chahiye
Unknown link pe click mat karo - especially WhatsApp/SMS pe aaye links
"Bank se bol rahe hain" wale calls - kaat do, bank ki official helpline pe KHUD call karo

Red Flags

Phone pe koi OTP maange - 100% fraud, turant kaat do
"QR scan karo paisa aayega" - ulta paisa jaayega
UPI collect request with "scholarship/refund" message - decline karo
Unknown number se "bank officer" bole - bank kabhi personal number se call nahi karta
WhatsApp pe "government scheme link" - sirf .gov.in/.nic.in trust karo
Jaldi karo, time khatam ho raha hai - urgency create karna scammers ka trick hai

Agar Already PIN/OTP De Diya Hai?

TURANT ye karo (minutes matter):

Bank ko call karo - Account/card BLOCK karwao. Banks ki helpline:
- SBI: 1800-11-2211
- PNB: 1800-180-2222
- BOI: 1800-103-1906
1930 pe call karo (Cyber Crime Helpline) - transaction freeze karwa sakte hain
UPI PIN turant change karo - PhonePe/GPay settings mein jaao
cybercrime.gov.in pe complaint file karo
Screenshots save karo - call logs, messages, transaction details

1 ghante ke andar report karna = paisa wapas milne ki highest chance. Jitna late karoge utna mushkil hoga.

Helpline & Reporting

Channel	Details
Cyber Crime Helpline	1930 (24/7, toll-free)
Online Complaint	cybercrime.gov.in
Bihar Cyber Cell	cybercell-bih@nic.in
Bihar EOU	0612-2217829
Emergency	112

FAQs

Q: QR code scan karne se paisa kaise kat jaata hai? A: QR code ke andar payment request encoded hoti hai. Scan karte hi amount show hota hai, phir PIN daalte ho toh payment HO JAATA HAI - tumhare account se scammer ke account mein.

Q: UPI collect request kya hota hai? A: Jab koi tumse paisa MAANGTA hai toh collect request aata hai. Ye "paisa aa raha hai" nahi hai - ye "paisa do" ka request hai. Decline karo.

Q: Bank kabhi call karta hai kya? A: Bank call kar sakta hai but kabhi OTP, PIN, CVV, ya password nahi maangta. Agar maange toh kaat do aur bank ki official helpline pe KHUD call karo.

Q: Scholarship ka paisa kaise aata hai? A: DBT (Direct Benefit Transfer) se seedha bank account mein. Koi QR, koi OTP, koi approve - kuch nahi karna padta. Paisa automatically credit hota hai.

Q: PhonePe/GPay hack ho gaya, kya karun? A: Turant UPI PIN change karo, bank account se UPI delink karo (settings mein), bank ko call karke transaction block karwao, aur 1930 pe report karo.

Q: Rs 2,000 gaye sirf, FIR karna chahiye? A: Haan! Amount chota ho ya bada, report karo. Tumhari complaint se police pattern track karti hai aur dusre logo ko bachati hai.