Bengaluru | June 24, 202: Navi UPI, one of India’s fastest-growing UPI apps, has introduced Navi Secure, a unified safety framework that consolidates the platform’s fraud prevention, risk monitoring, and user protection capabilities under a single trust and security umbrella.
As digital payments scale rapidly across India, fraud patterns are becoming increasingly sophisticated — spanning social engineering attempts, fake merchants, compromised devices, and unsafe digital environments. Navi Secure reflects Navi’s continued focus on strengthening customer protection through intelligent risk detection, proactive user alerts, and layered safeguards designed to help users make safer payment decisions.
Unlike traditional post-facto reporting and recovery, Navi Secure emphasizes early risk signal identification and preventive interventions.
A Layered Approach to Safer Digital Payments
Navi Secure integrates multiple existing and evolving capabilities across fraud detection, risk monitoring, and user protection — strengthening payment safety without adding unnecessary friction to the customer experience.
Key features include:
- Intelligent risk signals and contextual alerts.
- Preventive safeguards across different stages of the user journey.
- Onboarding measures such as WhatsApp-based verification flows to reduce impersonation and fraudulent account creation.
- Ongoing transaction monitoring and risk-based interventions.
Together, these capabilities empower users to make informed payment decisions while reducing exposure to high-risk scenarios.
Fraud Scenarios Navi Secure Addresses
Navi Secure focuses on reducing risk across key fraud scenarios:
- Scam-driven payments – protection against manipulation-led fraud, suspicious patterns, and risky recipients.
- Compromised devices & apps – risk checks to identify vulnerabilities.
- Unsafe networks & environments – additional scrutiny for elevated transaction risks.
- High-risk entities & behaviours – monitoring unusual or unsafe payment activity.
Rajiv Naresh, MD & CEO, Navi Limited (formerly Navi Technologies Limited), said: “Given digital payments have become central to everyday life, fraud prevention needs to be real-time and contextual. Navi Secure reflects our commitment to building trust-first financial infrastructure, where safety is embedded into every transaction, not added as an afterthought. By combining advanced risk intelligence with user-friendly safeguards, we are ensuring that customers can use UPI with confidence, knowing Navi is actively working in the background to protect their money.”
Broader Vision
Navi Secure is part of Navi’s broader mission to build responsible, technology-led financial services at scale. As UPI adoption deepens across geographies and use cases, platforms like Navi will play a more active role in helping users navigate emerging fraud risks.
About Navi
Navi Limited (formerly Navi Technologies Limited) is a digital-first financial services company on a mission to make finance simple for every Indian. Navi offers an easy-to-access suite of financial services including loans, insurance, mutual funds, and UPI payments.
With millions of users nationwide, Navi combines in-house technology with deep consumer insight to deliver financial solutions that are intuitive, accessible, and reliable. Headquartered in Bengaluru, Navi is committed to building a modern financial destination founded on transparency, speed, and trust.
🌐 Learn more: www.navi.com
