Your UPI. Your money. One fraud away
from losing it all.

Start with a quick digital exposure scan to see if your personal details may be visible online. Then continue with insurance-backed protection for eligible unauthorized UPI and wallet transaction for losses upto ₹1,00,000

Just ₹299/year

₹1,00,000 coverage

No paperwork

IRDAI-approved

Your digital exposure report by Mitigata may take up to 24 hours to generate, as we scan multiple sources to check if your personal details are exposed. Your HDFC ERGO cover starts immediately after the plan is purchased.

Indians targeted by

UPI fraud Daily

Average loss per victim

₹34,000+

Banks rarely recover

lost money

UPI Protect covers losses

up to ₹1,00,000

The Real Risk

UPI fraud is more common than you think

Fraudsters are getting smarter. And your bank can't always get your money back - even if you report it quickly.

Fake customer care calls

Scammers impersonate bank agents and trick you into sharing your UPI PIN or OTP.

40% of all UPI fraud cases

Phishing & fake links

One innocent tap on a WhatsApp/SMS link and your account is drained within seconds.

Rising 3x year-on-year

Marketplace & social scams

Sellers on OLX, Facebook, Instagram vanish after receiving your UPI payment.

₹500-₹50,000 lost on avg

The worst part? Most banks reject fraud claims if you can't prove you
took precautions. Without protection, you absorb the full loss.

The solution

Protection for unauthorized UPI & wallet transactions

Covers eligible losses from unauthorized UPI and digital wallet transactions, subject to policy terms.

Quick claim settlement

File a claim in 2 minutes.

Works across all UPI apps

PhonePe, GPay, Paytm, BHIM - all covered under one plan.

IRDAI-approved insurance

Fully regulated and legally binding. Your claim is guaranteed.

Protection coverage

₹1,00,000

Annual limit per member

Active & protected

Latest claim

₹4,500 reimbursed ✓

Settled in 18 hours · Phishing fraud

Shield active

HDFC Ergo backed coverage

Key Benefits

Why UPI Protect is worth it

Your Money, Recovered

Losses from verified UPI or digital wallet fraud are reimbursed up to ₹1,00,000. Your hard-earned money doesn't disappear forever.

10-Day Look-Back Coverage

Realised you were defrauded a few days late? No problem - we cover losses up to 10 days before you filed your report.

24-Hour Support

Fraud doesn't wait for business hours. Report incidents anytime - our dedicated claims team is always ready to help you.

Insurer-Backed Guarantee

This isn't just a promise - it's a regulated insurance product. Your claim is processed by a licensed insurer, not just an app.

What's Covered

Know what's covered

Clear coverage for eligible UPI and digital wallet fraud losses.

What's covered

Unauthorized UPI transactions

Unauthorized digital wallet transactions

Theft of funds due to digital fraud

Eligible losses from hacking or phishing

Personal transactions only, subject to policy terms

What's not covered

OTP, PIN, password, or credentials knowingly shared by user

International transactions

Physical card loss or physical transactions

Bank, app, or payment platform breach/system failure

Business, commercial, or entity-related transactions

How it works

3 steps. That's all.

No agents. No forms. No confusion. Simple protection for everyone.

Buy a plan

Report any fraud

Got scammed? Open the app, tap "Report Fraud", share the transaction ID. Our team reviews it right away.

Get reimbursed

Claim verified? Money is back in your account within 24-48 hours. No questions asked.

Why trust us

We know trust doesn't come easy.
Here's why we've earned it.

Built with HDFC ERGO's insurance expertise and bank-grade security infrastructure.

IRDAI-approved insurer

Regulated & approved by licensed insurer. Not a startup promise.

Bank-grade security

Your data and payment details are fully protected. SSL-secured.

HDFC ERGO - 24+ Years of Expertise

One of India's leading insurers. Trusted by 3.7+ crore customers.

SSL Secured

Insurance-backed

24/7 support

Instant activation

IRDAI approved

FAQS

Honest answers to
the questions you're thinking

Will my claim actually be settled?

Yes - if the fraud meets the policy conditions. This is a genuine insurance product backed by a licensed insurer. We're transparent about what's covered, so there are no surprises. Claims are reviewed fairly and settled within the agreed timeline.

What if I don't notice the fraud for a few days?

You're still covered. As long as you report within 24 hours of discovering the fraud, losses up to 10 days before your report are included. You won't be penalised for not checking your account every hour.

My bank says they'll investigate - do I still need this?

Bank investigations can take weeks - and often don't result in a refund. UPI Protect gives you an independent financial cushion so you're not entirely at the mercy of your bank's decision. They're separate processes.

I was tricked into sharing my OTP. Am I covered?

Unfortunately, no. If OTP or PIN was shared by you - even under pressure or deception - that falls under "gross negligence" and is excluded. This is a standard insurance condition. We recommend never sharing your OTP with anyone, ever.

Who is eligible for UPI Protect?

Any Indian resident with an active UPI-linked bank account or mobile wallet can apply. There's no credit check or complex eligibility criteria. Just fill in the form and you're covered within minutes.

How do I report a fraud incident?

Simply call our 24/7 helpline or log in to your Mitigata account and file a claim online. Our team will guide you through the next steps - no complicated forms, no in-person visits required.

Your UPI. Your money. One fraud awayfrom losing it all.