Navi UPI, one of India’s fastest-growing UPI apps, introduced Navi Secure, a unified safety framework that brings together the platform’s existing fraud prevention, risk monitoring and user protection capabilities under a single trust and security proposition.
As digital payments scale rapidly across India, fraud patterns are becoming increasingly sophisticated, spanning social engineering attempts, fake merchants, compromised devices and high-risk 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.
Instead of relying only on post-facto reporting and recovery, the capability focuses on identifying risk signals early and enabling preventive interventions where applicable.
A layered approach to safer digital payments
Navi Secure brings together multiple existing and evolving capabilities across fraud detection, risk monitoring and user protection to strengthen payment safety without adding unnecessary friction to the customer experience.
The framework combines intelligent risk signals, contextual alerts and preventive safeguards across different stages of the user journey. This includes measures introduced even at onboarding such as WhatsApp-based verification flows designed to strengthen user validation and reduce impersonation or fraudulent account creation attempts alongside ongoing transaction monitoring and risk-based interventions.
Together, these capabilities are intended to help users make more informed payment decisions while reducing exposure to high-risk scenarios. As fraud patterns continue to evolve, Navi will continue investing in stronger prevention capabilities and risk intelligence to make digital payments safer and more seamless over time.
What Navi Secure is designed to help address
Navi Secure focuses on helping reduce risk across key fraud scenarios:
- Scam-driven payments
Protection measures aimed at reducing manipulation-led fraud scenarios, including suspicious payment patterns, risky recipients and known scam behaviours.
- Compromised devices & apps
Risk checks intended to identify device conditions that may indicate elevated vulnerability.
- Unsafe networks & environments
Additional scrutiny in situations that may indicate elevated transaction risk.
- High-risk entities and transaction behaviour
Monitoring mechanisms designed to identify unusual or potentially unsafe payment activity.
Speaking on this, Mr. 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 that Navi is actively working in the background to protect their money.”
Navi Secure is part of Navi’s broader focus on building responsible, technology-led financial services at scale. As UPI adoption deepens across geographies and use cases, platforms will increasingly play a more active role in helping users navigate emerging fraud risks.
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