Domestic UPI Frauds: Finance Ministry Presented Data in LokSabha
Introduction
According to the Finance Ministry's data, the incidence of domestic Unified Payment Interface (UPI) fraud rose by 85% in FY 2023-24 compared to FY 2022-23. Further, as of September of FY 2024-25, 6.32 lakh fraud cases had been already reported, amounting to Rs 485 crore. The data was shared on 25th November 2024, by the Finance Ministry in response to a question in Lok Sabha’s winter session about the fraud in UPI transactions during the past three fiscal years.
Statistics

UPI Frauds and Government's Countermeasures
On the query as to measures taken by the government for safe and secure UPI transactions and prevention of fraud in the transactions, the ministry has highlighted the measures as follows:
- The Reserve Bank of India (RBI) has launched the Central Payment Fraud Information Registry (CPFIR), a web-based tool for reporting payment-related frauds, operational since March 2020, and it requires requiring all Regulated Entities (RE) to report payment-related frauds to the said CPFIR.
- The Government, RBI, and National Payments Corporation of India (NPCI) have implemented various measures to prevent payment-related frauds, including UPI transaction frauds. These include device binding, two-factor authentication through PIN, daily transaction limits, and limits on use cases.
- Further, NPCI offers a fraud monitoring solution for banks, enabling them to alert and decline transactions using AI/ML models. RBI and banks are also promoting awareness through SMS, radio, and publicity on 'cyber-crime prevention'.
- The Ministry of Home Affairs has launched a National Cybercrime Reporting Portal (NCRP) (www.cybercrime.gov.in) and a National Cybercrime Helpline Number 1930 to help citizens report cyber incidents, including financial fraud. Customers can also report fraud on the official websites of their bank or bank branches.
- The Department of Telecommunications has introduced the Digital Intelligence Platform (DIP) and 'Chakshu' facility on the Sanchar Saathi portal, enabling citizens to report suspected fraud messages via call, SMS, or WhatsApp.
Conclusion
UPI is India's most popular digital payment method. As of June 2024, there are around 350 million active users of the UPI in India. The Indian Cyber Crime Coordination Centre (I4C) report indicates that ‘Online Financial Fraud’, a cyber crime category under NCRP, is the most prevalent among others. The rise of financial fraud, particularly UPI fraud is cause for alarm, the scammers use sophisticated strategies to deceive victims. It is high time for netizens to exercise caution and care with their personal and financial information, stay aware of common tactics used by fraudsters, and adhere to best security practices for secure transactions and the safe use of UPI services.
References
Related Blogs
.webp)
Introduction
We were all stunned and taken aback when multiple photos of streets in the U.S. surfaced with heavily drugged individuals loosely sitting on the streets, victims of a systematically led drug operation that has recently become a target of the Trump-led “tariff” war, which he terms as a war on drug cartels. The drug is a synthetic opioid, fentanyl, which is highly powerful and addictive. The menace of this drug is found in a country that has Wall Street and the largest and most powerful economy globally. The serious implications of drug abuse are not about a certain economy; instead, it has huge costs to society in general. The estimated cost of substance misuse to society is more than $820 billion each year and is expected to continue rising.
On June 26, the International Day against Drug Abuse and Illicit Trafficking is observed globally. However, this war is waged daily for millions of people, not on streets or borders, but in bloodstreams, behind locked doors, and inside broken homes. Drug abuse is no longer a health crisis; it is a developmental crisis. The United Nations Office on Drugs and Crime has launched a campaign against this organised crime that says, “Break the Cycle’ attributing to the fact that de-addiction is hard for individuals.
The Evolving Drug Crisis: From Alleyways to Algorithms
The menace of Drug abuse and illicit trafficking has also taken strides in advancement, and what was once considered a street-side vice has made its way online in a faceless, encrypted, and algorithmically optimised sense. The online drug cartels operate in the shadows and often hide in plain sight, taking advantage of the privacy designed to benefit individuals. With the help of darknet markets, cryptocurrency, and anonymised logistics, the drug trade has transformed into a transnational, tech-enabled industry on a global scale. In an operation led by the U.S. Department of Justice’s Joint Criminal Opiod and Darknet Enforcement (JCODE) and related to Operation RapTor, an LA apartment was only to find an organised business centre that operated as a hub of one of the most prolific methamphetamine and cocaine distributors in the market. Aaron Pinder, Unit Chief of the FBI Hi-Tech Organised Crime Unit, said in his interview, “The darknet vendors that we investigate, they truly operate on a global scale.” On January 11, 2025, during the Regional Conference on “Drug Trafficking and National Security,” it was acknowledged how cryptocurrency, the dark web, online marketplaces, and drones have made drug trafficking a faceless crime. Reportedly, there has been a seven-fold increase in the drugs seized from 2004-14 to 2014-24.
India’s Response: Bridging Borders, Policing Bytes
India has been historically vulnerable due to its geostrategic placement between the Golden Crescent (Afghanistan-Iran-Pakistan) and Golden Triangle (Myanmar-Laos-Thailand), and confronts a fresh danger from “click-to-consume’ narcotics. Although India has always adopted a highly sensitised approach, it holds an optimistic future outlook for the youth. Last year, to commemorate the occasion of International Day against Drug Abuse and Illicit Trafficking, the Department of Social Justice & Empowerment organised a programme to engage individuals for the cause. The Indian authorities are often seen coming down heavily on the drug peddlers and cartels, and to aid the cause, the Home Minister Amit Shah inaugurated the new office complex of the NCB’s Bhopal zonal unit and extension of the MANAS-2 helpline to all 36 states and UTs. The primary objectives of this step are to evaluate the effectiveness of the Narcotics Coordination Mechanism (NCORD), assess the progress of states in fighting drug trafficking, and share real-time information from the National Narcotics Helpline ‘MANAS’ portal with the Anti-Narcotics Task Force (ANTF) of states and UTs.
The United Nation’s War on Narcotics: From Treaties to Technology
The United Nations Office on Drugs and Crime (UNODC) is leading the international response. It offers vital data, early warning systems, and technical support to the states fighting the drug problem. The UNODC incorporates cooperation in cross-border intelligence, overseeing the darknet activities, encouraging the treatment and harm reduction, and using anti-money laundering mechanisms to stop financial flows. India has always pledged its support to the UN led activities, and as per reports dated 26th March, 2025, India chaired the prestigious UN-backed Commission on Narcotic Drugs (CND) meeting held in vienna, wherein India highlighted the importance of opioids for medical purposes as well as the nation’s notable advancements in the field.
Resolution on June 26: From Commemoration to Commitment
Let June 26 be more than a date on the calendar- let it echo as a call to action, a day when awareness transforms into action, and resolve becomes resistance. On this day, CyberPeace resolves the following:
- To treat addicts as victims rather than criminals and to pitch for reforms to provide access to reasonably priced, stigma-free rehabilitation.
- To integrate anti-drug awareness into digital literacy initiatives and school curricula in order to teach frequently and early.
- To demand responsibility and accountability from online marketplaces and delivery services that unwittingly aid traffickers
- To tackle the demand side through employment, mental health services, and social protection, particularly for at-risk youth.
References
- https://www.gatewayfoundation.org/blog/cost-of-drug-addiction/#:~:text=The%20estimated%20cost%20for%20substance,Alcohol%3A%20%24249%20billion
- https://www.unodc.org/unodc/en/drugs/index-new.html
- https://www.fbi.gov/news/stories/global-operation-targets-darknet-drug-trafficking
- https://www.thehindu.com/news/national/dark-web-crypto-drones-emerge-as-challenges-in-fight-against-drug-trafficking-amit-shah/article69088383.ece
- https://www.pib.gov.in/PressReleaseIframePage.aspx?PRID=2028704
- https://www.newindianexpress.com/nation/2025/Mar/26/in-a-first-india-chairs-un-forum-on-narcotics-pledges-to-improve-access-to-pain-relief-and-palliative-care
.webp)
Introduction
The automobile business is fast expanding, with vehicles becoming sophisticated, interconnected gadgets equipped with cutting-edge digital technology. This integration improves convenience, safety, and efficiency while also exposing automobiles to a new set of cyber risks. Electric vehicles (EVs) are equipped with sophisticated computer systems that manage various functions, such as acceleration, braking, and steering. If these systems are compromised, it could result in hazardous situations, including the remote control of the vehicle or unauthorized access to sensitive data. The automotive sector is evolving with the rise of connected car stakeholders, exposing new vulnerabilities for hackers to exploit.
Why Automotive Cybersecurity is required
Cybersecurity threats to automotives result from hardware, software and overall systems redundancy. Additional concerns include general privacy clauses that justify collecting and transferring data to “third-party vendors”, without explicitly disclosing who such third parties are and the manner of processing personal data. For example, infotainment platform data may show popular music and the user’s preferences, which may be used by the music industry to improve marketing strategies. Similarly, it is lesser known that any data relating to behavioural tracking data, such as driving patterns etc., are also logged by the original equipment manufacturer.
Hacking is not limited to attackers gaining control of an electronic automobile; it includes malicious actors hacking charging stations to manipulate the systems. In Russia, EV charging stations were hacked in Moscow to display pro-Ukraine and anti-Putin messages such as “Glory to Ukraine” and “Death to the enemy” in the backdrop of the Russia-Ukraine war. Other examples include instances from the Isle of Wight, where hackers controlled the EV monitor to show inappropriate content and display high voltage fault codes to EV owners, preventing them from charging their vehicles with empty batteries.
UN Economic Commission for Europe releases Regulation 155 for Automobiles
UN Economic Commission for Europe Regulation 155 lays down uniform provisions concerning the approval of vehicles with regard to cybersecurity and cybersecurity management systems (CSMS). This was originally a part of the Commission.s Work Paper (W.P.) 29 that aimed to harmonise vehicular regulations for vehicles and vehicle equipment. Regulation 155 has a two-prong objective; first, to ensure cybersecurity at the organisational level and second, to ensure adequate designs of the vehicle architecture. A critical aspect in this context is the implementation of a certified CSMS by all companies that bring vehicles to market. Notably, this requirement alters the perspective of manufacturers; their responsibilities no longer conclude with the start of production (SOP). Instead, manufacturers are now required to continuously monitor and assess the safety systems throughout the entire life cycle of a vehicle, including making any necessary improvements.
This Regulation reflects the highly dynamic nature of software development and assurance. Moreover, the management system is designed to ensure compliance with safety requirements across the entire supply chain. This is a significant challenge, considering that suppliers currently account for over 70 per cent of the software volume.
The Regulation, which is binding in nature for 64 member countries, came into force in 2021. UNECE countries were required to be compliant with the Regulations by July 2022 for all new vehicles and by July 2024, the Regulation was set to apply to all vehicles. It is believed that the Regulation will become a de facto global standard, since vehicles authorised in a particular country may not be brought into the global market or the market of any UNECE member country based on any other authorisation. In such a scenario, OEMs of non-member countries may be required to give a “self-declaration”, declaring the equipment’s conformity with cybersecurity standards.
Conclusion
To compete and ensure trust, global car makers must deliver a robust cybersecurity framework that meets evolving regulations. The UNECE regulations in this regard are driving this direction by requiring automotive original equipment manufacturers (OEMs) to integrate vehicle cybersecurity throughout the entire value chain. The ‘security by design' approach aims to build a connected car that is trusted by all. Automotive cybersecurity involves measures and technologies to protect connected vehicles and their onboard systems from growing digital threats.
References:
- “Electric vehicle cyber security risks and best practices (2023)”, Cyber Talk, 1 August 2023. https://www.cybertalk.org/2023/08/01/electric-vehicle-cyber-security-risks-and-best-practices-2023/#:~:text=EVs%20are%20equipped%20with%20complex,unauthorized%20access%20to%20sensitive%20data.
- Gordon, Aaron, “Russian Electric Vehicle Chargers Hacked, Tell Users “PUTIN IS A D*******D”, Vice, 28 February 2022. https://www.vice.com/en/article/russian-electric-vehicle-chargers-hacked-tell-users-putin-is-a-dickhead/
- “Isle of Wight: Council’s electric vehicle chargers hacked to show porn site”, BBC, 6 April 2022. https://www.bbc.com/news/uk-england-hampshire-61006816
- Sandler, Manuel, “UN Regulation No. 155: What You Need to Know about UN R155”, Cyres Consulting, 1 June 2022. https://www.cyres-consulting.com/un-regulation-no-155-requirements-what-you-need-to-know/?srsltid=AfmBOopV1pH1mg6M2Nn439N1-EyiU-gPwH2L4vq5tmP0Y2vUpQR-yfP7#A_short_overview_Background_knowledge_on_UN_Regulation_No_155
- https://unece.org/wp29-introduction?__cf_chl_tk=ZYt.Sq4MrXvTwSiYURi_essxUCGCysfPq7eSCg1oXLA-1724839918-0.0.1.1-13972

Overview:
It is worth stating that millions of Windows users around the world are facing the Blue Screen of Death (BSOD) problem that makes systems shutdown or restart. This has been attributed to a CrowdStrike update that was released recently and has impacted many organizations, financial institutions, and government agencies across the globe. Indian airlines have also reported disruptions on X (formerly Twitter), informing passengers about the issue.
Understanding Blue Screen of Death:
Blue Screen errors, also known as black screen errors or STOP code errors, can occur due to critical issues forcing Windows to shut down or restart. You may encounter messages like "Windows has been shut down to prevent damage to your computer." These errors can be caused by hardware or software problems.
Impact on Industries
Some of the large U. S. airlines such as American Airlines, Delta Airlines, and United Airlines had to issue ground stops because of communication problems. Also, several airports on Friday suffered a massive technical issue in check-in kiosks for IndiGo, Akasa Air, SpiceJet, and Air India Express.
The Widespread Issue
The issue seems widespread and is causing disruption across the board as Windows PCs are deployed at workplaces and other public entities like airlines, banks, and even media companies. It has been pointed out that Windows PCs use a special cybersecurity solution from a company called CrowdStrike that seems to be the culprit for this outage, affecting most Windows PC users out there.
Microsoft's Response
The issue was acknowledged by Microsoft and the mitigations are underway. The company in its verified X handle Microsoft 365 status has shared a series information on the latest outage and they are looking into the matter. The issue is under investigation.
In one of the posts from Microsoft Azure, it is mentioned that they have become aware of an issue affecting Virtual Machines (VMs) running Windows Client and Windows Server with the CrowdStrike Falcon agent installed. These VMs may encounter a bug check (BSOD) and become stuck in a restarting state. Their analysis indicates that this issue started approximately at 19:00 UTC on July 18th. They have provided recommendations as follows:
Restore from Backup: In case customers have available backups prior to 19:00 UTC on July 18th, they should recover VM data from the backups. If the customer is using Azure Backup, they can get exact steps on how to restore VM data in the Azure portal. here.
Offline OS Disk Repair: Alternatively, customers can attempt offline repair of the OS disk by attaching an unmanaged disk to the affected VM. Encrypted disks may require additional steps to unlock before repair. Once attached, delete the following file:
Windows/System/System32/Drivers/CrowdStrike/C00000291*.sys
After deletion, reattach the disk to the original VM.
Microsoft Azure is actively investigating additional mitigation options for affected customers. We will provide updates as we gather more information.
Resolving Blue Screen Errors in Windows
Windows 11 & Windows 10:
Blue Screen errors can stem from both hardware and software issues. If new hardware was added before the error, try removing it and restarting your PC. If restarting is difficult, start your PC in Safe Mode.
To Start in Safe Mode:
From Settings:
Open Settings > Update & Security > Recovery.
Under "Advanced startup," select Restart now.
After your PC restarts to the Choose an option screen, select Troubleshoot > Advanced options > Startup Settings > Restart.
After your PC restarts, you'll see a list of options. Select 4 or press F4 to start in Safe Mode. If you need to use the internet, select 5 or press F5 for Safe Mode with Networking.
From the Sign-in Screen:
Restart your PC. When you get to the sign-in screen, hold the Shift key down while you select Power > Restart.
After your PC restarts, follow the steps above.
From a Black or Blank Screen:
Press the power button to turn off your device, then turn it back on. Repeat this two more times.
After the third time, your device will start in the Windows Recovery Environment (WinRE).
From the Choose an option screen, follow the steps to enter Safe Mode.
Additional Help:
Windows Update: Ensure your system has the latest patches.
Blue Screen Troubleshooter: In Windows, open Get Help, type Troubleshoot BSOD error, and follow the guided walkthrough.
Online Troubleshooting: Visit Microsoft's support page and follow the recommendations under "Recommended Help."
If none of those steps help to resolve your Blue Screen error, please try the Blue Screen Troubleshooter in the Get Help app:
- In Windows, open Get Help.
- In the Get Help app, type Troubleshoot BSOD error.
- Follow the guided walkthrough in the Get Help app.
[Note: If you're not on a Windows device, you can run the Blue Screen Troubleshooter on your browser by going to Contact Microsoft Support and typing Troubleshoot BSOD error. Then follow the guided walkthrough under "Recommended Help."]
For detailed steps and further assistance, please refer to the Microsoft support portal or contact their support team.
CrowdStrike’s Response:
In the statement given by CrowdStrike, they have clearly mentioned it is not any cyberattack and their resources are working to fix the issue on Windows. Further, they have identified the deployment issue and fixed the same. Crowdstrike mentions about their problematic versions as follows:
- “Channel file "C-00000291*.sys" with timestamp of 0527 UTC or later is the reverted (good) version.
- Channel file "C-00000291*.sys" with timestamp of 0409 UTC is the problematic version.
Note: It is normal for multiple "C-00000291*.sys files to be present in the CrowdStrike directory - as long as one of the files in the folder has a timestamp of 0527 UTC or later, that will be the active content.”
The CrowdStrike will be providing latest updates on the same and advises their customers and organizations to contact their officials officially to get latest updates and accurate information. It is encouraged to refer to customer’s support portal for further help.
Stay safe and ensure regular backups to mitigate the impact of such issues.
References:
https://status.cloud.microsoft/
https://www.crowdstrike.com/blog/statement-on-falcon-content-update-for-windows-hosts/