India's #1 Consumer Fraud Protection

Your payment.
Fraud-proof,
always.

Rs.22,842 crore was stolen from Indians in 2024. Haki gives you AI-powered fraud detection, real-time warnings, and guided recovery — before, during, and after every payment.

🔍 Check a UPI ID Free

Test Your Fraud IQ →

Rs.22,842 Cr

Stolen from Indians in 2024

20L+

Fraud cases last year

96%

Detection accuracy

⚠️HIGH RISK VPA

Flagged 14 times this week

✅VERIFIED SAFE

2,840 clean transactions

🛡Rs.50,000 Covered

Haki Shield Active

9:41 AMHAKI

Checking VPA...

offer-prize@ybl

🚨 HIGH RISK — DO NOT PAY

⚠️ 3 Red Flags Detected

VPA created 2 days ago. 14 fraud reports. Matches lottery scam pattern.

Rs.22,842 Cr

Digital fraud losses in India in 2024 — up 206% from 2023

Source: I4C / Ministry of Home Affairs

20 Lakh+

Fraud cases registered in FY2024-25. 1 in 5 victims never complains

Source: RBI Annual Report 2024-25

85%

Year-on-year rise in UPI-specific fraud. Rs.1,087 Cr lost via UPI in FY24

Source: NPCI Annual Report

51%

Of fraud victims never file a complaint — due to shame, complexity, or distrust

Source: LocalCircles Survey 2025

What Haki Does

Protection at every step
of your payment journey

From checking a UPI ID before you pay, to guiding your recovery if you are scammed — Haki has you covered.

🔍

HakiScan — UPI Risk Check

Real AI scores any UPI ID in seconds across 14 risk signals: account age, transaction history, fraud reports, and known scam patterns.

🚨

Live Scam Alerts

Community-powered fraud alerts specific to your city and payment app. Know what scams are active near you this week, right now.

📋

RecoverRight Wizard

If fraud happens, our step-by-step wizard guides you through bank complaint, cyber portal, FIR, and RBI escalation — with AI-drafted letters.

🛡

Haki Shield Insurance

Up to Rs.1 lakh annual fraud cover for just Rs.99/month. Claim auto-triggered from your fraud report. No paperwork, no branch visit.

🎓

Fraud Education Hub

Interactive lessons, real case studies, and a 5-question Fraud IQ quiz. Know your enemy before they find you.

💬

WhatsApp Bot

Works on any phone. Type /check [UPI ID] to get a risk score instantly. 8 Indian languages. No app download needed.

How It Works

Four steps to complete fraud protection

Haki works before, during, after, and beyond every transaction you make.

🔍

1

Check Before Paying

Enter any UPI ID, QR or phone number. Get an instant AI risk score before sending a single rupee.

🚨

2

Get Real-Time Alerts

Receive scam alerts for your city and payment app. Know what frauds are active near you this week.

📋

3

Report and Recover

Our wizard guides you step-by-step through bank complaint, cyber portal, and FIR filing.

🛡

4

Stay Insured

Rs.99/month gives you Rs.1 lakh fraud cover. Auto-claim triggered from your Haki report.

Real Stories

People like you. Outcomes that changed.

Protected

"I was about to pay Rs.18,000 to an OLX seller. I checked his UPI ID on Haki first — it showed 6 fraud reports. I stopped immediately."

👨

Ramesh K.

Business Owner, Pune

Rs.18,000 Saved

Victim — Before Haki

"I lost Rs.45,000 to a fake lottery call. They asked me to approve a UPI request — I did not know that meant I was paying them."

👩

Sunita M.

Homemaker, Lucknow

Rs.45,000 Lost

Recovered

"Scammed Rs.1.2 lakh by a fake trading app. Haki's RecoverRight walked me through bank complaint and RBI ombudsman. I got Rs.80,000 back."

👨‍💼

Vikram S.

Software Engineer, Bengaluru

Rs.80,000 Recovered

Join Haki

Don't wait to get
scammed to get smart.

Join 100,000+ Indians already protected. Free for basic protection. Rs.99/month for full cover.

🔍 Check a UPI ID Free

Test My Fraud IQ

🔒 No credit card needed

✅ DPDP-compliant privacy

🇮🇳 Built for India

⚡ Works on WhatsApp

Know Your Threats

The frauds targeting
Indians right now

Understanding exactly how each scam works is your first and most powerful layer of protection.

Market Intelligence

India's fraud crisis
is accelerating

The data every Indian payment user needs to see — sourced from RBI, NPCI, and I4C.

Annual Fraud Losses (Rs. Crore)

India 2019–2024 | Source: RBI, I4C

Fraud by Category

FY2024-25

UPI Collect Scams40%

OTP / SIM Swap32%

Fake Investment18%

Other Fraud10%

1 in 5

UPI-using families in India have experienced payment fraud in the last 3 years.

Risk doubles every 18 months

60%

Of fraud victims were first-time or recent digital payment users — mostly aged 35-65.

New UPI users = Primary targets

Rs.38K

Average loss per fraud victim — equivalent to 2-3 months of household expenses.

24% higher than last year

20%

Of Indians have received any cyber safety training. 80% navigate digital payments with zero protection knowledge.

Education coverage needs 4x expansion

HakiScan — AI Powered

Check any UPI ID
before you pay

Real AI analysis. Enter any UPI ID and get a genuine fraud risk assessment in seconds — free, always.

Powered by Claude AI

🔍 UPI ID Risk Check

Real AI analysis of any UPI ID. Examines patterns, naming conventions, and known fraud signals to give you a genuine risk assessment.

Try: offer-prize@ybl | merchant.verified@sbi | newaccount123@paytm

🧠

AI is analysing this UPI ID...

Checking naming patterns...

Analysing handle structure...

Matching against fraud signatures...

Generating risk assessment...

Risk Signal Breakdown

Detected Signals

🤖Haki AI Recommendation

Try Sample VPAs

✅ verified.merchant@sbi

⚠️ newid123@paytm

🚨 offer-prize@ybl

🚨 lucky-winner@upi

HakiScan Technology

Real AI. Real analysis.
Not hardcoded results.

Unlike most fraud checkers, HakiScan uses a live AI model to genuinely analyse every UPI ID. Enter anything — the AI evaluates it fresh every time.

🧠

Genuine AI Intelligence

Powered by Claude, Anthropic's AI. Analyses your UPI ID the same way a fraud expert would — examining patterns, naming conventions, and red flags.

🔍

Pattern Recognition

Identifies classic scam naming patterns used in lottery fraud, refund fraud, impersonation, and investment scams across India.

⚡

Instant Analysis

Results in under 5 seconds. No waiting, no signup required. Check any UPI ID before you transfer a single rupee.

🇮🇳

India-Specific Training

AI trained on Indian UPI fraud patterns, NPCI data, and thousands of real fraud reports from users across all 28 states.

🤖 How the AI analyses a UPI ID

1

Parses the UPI handle structure (username + bank handle)

2

Identifies suspicious keywords: prize, winner, lucky, free, offer, refund, etc.

3

Checks for random number patterns common in mass-created fraud accounts

4

Evaluates the bank handle legitimacy and common misuse patterns

5

Generates a personalised risk score and specific safety recommendation

Fraud IQ Test

How fraud-safe are you?

Test yourself with 5 real-world scenarios. Your score tells you exactly how protected — or exposed — you are right now.

5

Questions

3 min

To Complete

Free

Always

Learn About Fraud Types →

Got Scammed? Act Now.

Your 5-step fraud
recovery guide

Act fast — your window to recover money narrows after 24 hours. Every minute matters.

🚨

Within 1 Hour — MOST CRITICAL

Freeze the transaction immediately

Call your bank's 24/7 helpline NOW and report the fraud. Ask them to freeze the recipient account. Every minute reduces your recovery odds.

📞 Cyber Crime: 1930 📞 RBI: 14448

📝

Within 24 Hours

File on cybercrime.gov.in

Visit the National Cybercrime Reporting Portal. You need your bank transaction ID, the fraudster's UPI ID, and a description of what happened.

🌐 cybercrime.gov.in

🏛

Within 72 Hours

File an FIR at your local police station

Take a physical FIR at your nearest police station cybercrime cell. Bring printouts of your bank statement and your cybercrime.gov.in acknowledgement number.

🏦

Within 1 Week

Escalate to RBI Banking Ombudsman

If your bank has not responded within 30 days, escalate to the RBI Banking Ombudsman — a free, formal channel banks are legally required to respond to.

🏛 RBI CMS Portal

⚖️

For Losses Above Rs.1 Lakh

Engage a cyber law specialist

A cybercrime lawyer can file under IT Act Section 66D. Higher legal pressure means higher recovery odds. Haki connects you with verified cyber lawyers at Rs.499 per session.

Resource Library