Navi unveils Navi Secure for UPI safety

By Milan Rojan

Navi has introduced Navi Secure, a unified safety framework that brings together the company’s existing fraud prevention, risk monitoring and user protection capabilities under a single trust and security proposition for its Unified Payments Interface (UPI) platform.

The framework was launched as digital payments continue to grow across India, alongside increasingly sophisticated fraud techniques ranging from social engineering and fake merchants to compromised devices and high-risk digital environments.

Rajiv Naresh, Managing Director and Chief Executive Officer of Navi 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.”

Navi Secure was designed to strengthen customer protection through intelligent risk detection, contextual alerts and layered safeguards that help users make more informed payment decisions. Rather than relying solely on post-incident reporting and recovery, the framework focuses on identifying potential risks early and enabling preventive interventions where appropriate.

The platform has combined multiple capabilities across fraud detection, risk monitoring and user protection while seeking to minimise friction during the customer journey. These measures include WhatsApp-based verification during onboarding to strengthen user validation and reduce fraudulent account creation, alongside continuous transaction monitoring and risk-based interventions.

Navi said the framework addresses several high-risk scenarios, including scam-driven payments, compromised devices and applications, unsafe network environments and unusual transaction behaviour. By monitoring these risk indicators, the platform aims to reduce users’ exposure to fraudulent activities while supporting a seamless digital payments experience.

The launch has formed part of Navi’s broader strategy to strengthen technology-led financial services as UPI adoption continues to expand and digital payment providers invest in more proactive fraud prevention capabilities.