Category: How To

Key Highlights

• UPI refund fraud is the new online scam in India
• Targets UPI users
• Often money gets deducted from users account in pretext of refunds

UPI adoption has been rapid over the last few years, with the Indian masses shifting towards the digital payments services. We definitely have seen a boom in the digital transactions and the surge in UPI app usage across the country. This certainly has also paved in way for cybercriminals to scam innocents robbing them off their hard earned money. Digital scams have certainly become more common with the imposters coming out with new ways each time for such frauds. UPI refund is another scam which is being reported nowadays where criminals send fake messages and create emergencies citing wrong fund transfers and asking a refund for the same. In this guide, we break down this new UPI refund scam and the tips to avoid falling in such traps.

For the tech geeks, stay updated with the latest cutting-edge gadgets in the market, exclusive tech updates, gadget reviews, and more right on your phone’s screen. Join Giznext’s WhatsApp channel and receive the industry-first tech updates.

Also Read: Travelling Overseas? Here’s How To Activate International UPI On Gpay, PhonePe For Payments Abroad

UPI Refund Scam Breakdown: How It Works?

As is the case with most of the digital scams, cybercriminals use modern tactics involving UPI app for frauds. Scammers tricks UPI users into believing that money has been sent accidentally to their account for which they need a refund. A sense of emergency is being created to transfer the money back which essentially is the scam. Let’s take a look at how this UPI scam is carried out:

• Money Transfer: This is a deliberate move where the scammer will send a small amount of money to your UPI or bank account. It could also be a SMS stating amount credited to your account which likely will be fake.
• The Initial Contact: This is the first stage where the imposter sends you message or tries to contact you citing accidental money transfer yo your account. It could be a standard phone or WhatsApp call.
• Emotional Tactics: The scammer will then persuade the victim under emotional baggage and request for money refund.
• UPI Refund Request: You might also receive money transfer (refund) request on your UPI app from the fraudster. In some cases, you might be shared a QR code scanner for fund transfer.
• Final Scam: If you approve the UPI refund request then sadly you have fallen a victim to the UPI refund scam.

Also Read: EPFO Quick PF Withdrawal Via UPI Apps, ATMs Becoming Reality Soon? Transaction Limit, Eligibility Criteria

How to Stay Safe From UPI Refund Scams

To stay safe from such UPI and other digital scam, follow the do’s and the dont’s listed below:

The Do’s

• Verify message and sender authenticity: Make use of caller ID platforms or your contacts to verify the sender. This can help you stay vigilant of such scams.
• Enable UPI Message Alerts: Ensure you have enabled notifications and SMS/ message alert feature enabled for all UPI apps. In case of transactions including money receiving and transfers, you’ll be notified directly.
• Verify and cross-check UPI requests: Never approve any random UPI request. All requests should be verified even for the smallest of transactions.
• No authorisation required for refunds: Remember, none of the shopping, food delivery, and similar apps will ask for authorisation, OTPs, etc., for refunds. Make sure you report such requests. Hence, never approve UPI refund or payment requests from strangers.

The Don’ts

• Scan QR Codes: Never scam random QR codes. Specifically, if you are lured in to receive a refund or free money.
• Accept Payment/ Refund Request: Never approve any payment or refund related requests uyou receive without any prior information on your UPI apps. If you receive any SMS or WhatsApp messages with similar links avoid clicking them.
• Share UPI PIN: Ensure you don’t share your UPI pin with any random person or official. It could be a scammer disguised as a professional.
• Click messages containing links from unknown sources: If you recieve any message from unknown number containing promotional or some banking links, never click on them. It could give attackers access of your device and accounts.

Key Highlights

• Google introduces personal loan services for GPay
• Will help with emergency fund
• Minimum personal loan amount one can apply for is up to Rs. 30,000

Google Pay is the amongst the most secure UPI apps available for Android and iOS users in India. From making daily payments to monthly bills, Gpay allows it all with just a few taps. GPay is being consistently upgraded to be more than just a basic UPI app that can help users send or receive money. Features like split bills, bank transfer to self and others makes it more user-friendly. But now, Google has introduced a new feature that sets Google Pay apart from the rest in the UPI race. GPY users will now be able to apply for personal loas directly via the app.

For the tech geeks, stay updated with the latest cutting-edge gadgets in the market, exclusive tech updates, gadget reviews, and more right on your phone’s screen. Join Giznext’s WhatsApp channel and receive the industry-first tech updates.

Also Read: GPay Payment Split: Get Done With Hassle Free Bills/ Payment Splits On Android, iOS

Google Pay Personal Loan Feature: Total Loan Amount

Google Pay has released a new personal loan feature for its users. If you are using Google Pay app for UPI services, you can also make use of the personal finance feature. This is something that can be helpful in situations where you need funds for medical or other emergencies.

Coming to the loan services and amount, all the Google Pay users will be able to apply for personal loan services using the app itself. No additional paper work or standing on long queues in a bank would be required to apply for personal loan when using GPay app. Instead, all can be done with just a few taps. This will be an entirely digital process like UPI where customers will be eligible for up to Rs. 10,00,000 or personal loan.

• Minimum personal loan amount limit: Rs. 30,000
• Maximum personal loan amount limit: Rs. 40,000
• Eligibility Criteria: Will depend on the user’s financial profile

If you are wondering about the re-payment of the loan, then you’ll be glad to know that Google Pay is offering flexibility with payments where one can select the timeline for loan repayment. A minimum EMI amount of up to Rs. 2,000 will be applicable for the basic loan amount of Rs. 30,000.

Also Read: Enhance WhatsApp Privacy: How To Blur Images On WhatsApp Mobile, Desktop App

Eligibility Criteria, And Application Process

• Customer should have a steady source of income (could be self-employment or a jon)
• Customer should be at least 21 years for personal loan application
• Bank account should be linked to Google Pay
• KYC verification should be complete while applying for the loan

Below are the steps to apply for personal loan using Google Pay

Step 1: Open Google Pay app

Step 2: Navigate to the “Manage Your Money” tab

Step 3: Locate the “Personal Loan” feature and tap on it

Step 4: Enter your personal details including source of income

Step 5: Now, upload your KYC documents such PAN and Aadhaar

Step 6: Sign the document digitally

Step 7: Once all the above steps are completed and the loan is approved, the amount will be credited to the linked bank account.

Key Highlights

• Facebook Live videos now gets removed automatically after 30 days
• Move comes as a part of updated storage policy
• Bulk download policy available for multiple videos

Earlier in February this year, Facebook revised its storage policy guidelines for its platform. One direct impact was the stopping of live video storage on Facebook for unlimited period. After introducing a 90-day grace period to download old live videos library, Facebook has now announced a new timeline of 30 days. If you are frequently going live on Facebook and have a large database of old live videos, you should save it offline or download it. In this guide, we share the steps to do so.

For the tech geeks, stay updated with the latest cutting-edge gadgets in the market, exclusive tech updates, gadget reviews, and more right on your phone’s screen. Join Giznext’s WhatsApp channel and receive the industry-first tech updates.

Also Read: Instagram Edits: New Standalone Editing Insta Tool? 10 Easy Steps To Use!

How To Download Facebook Live Videos Before 30 Days Deletion Timeline (Single Videos)

Step 1: Open Facebook mobile app

Step 2: Visit the Activity centre

Step 3: Locate “Your Live Videos” option

Step 4: Move to Videos or Live tab on your profile, page, or Meta Business suite

Step 5: Locate the video and tap on it for full screen mode

Step 6: Now, tap on the three dots to download the video

Also Read: WhatsApp In-App Language Translation Feature In Works: Update

How To Download Facebook Live Videos In Bulk

Step 1: Open Facebook app and tap the notofication for storage policy update to enter into the download flow.

Step 2: Click on “Download Live videos” option

Step 3: Confirm the file download location (smartphone/ tablet, laptop/ pc).

Step 4: Select th date range for the live videos that will be downloaded on the selected device

Step 5: Click “Create File”

Key Highlights

• Instagram launches standalone editing app called Edits
• Introduced for both Android and iOS platforms
• Allows editing videos for reels and more directly

Instagram has emerged as one of the most used platforms for social media engagement. It is one of those multimedia sharing apps where when can get as creative as they can with photo and video uploads. And to provide a consistent and diverse experience, new updates frequently makes way to this social media platform. A new feature rather a standalone app has now been introduced by Instagram that brings along a whole range of comprehensive editing tools for video/ photo editing and also monitoring performance of the uploaded content. What is this latest Instagram Edits app and how can you utilise it as a editing tool and a performance analyser simultaneously. We explain in this article:

For the tech geeks, stay updated with the latest cutting-edge gadgets in the market, exclusive tech updates, gadget reviews, and more right on your phone’s screen. Join Giznext’s WhatsApp channel and receive the industry-first tech updates.

Also Read: How To Use Instagram’s New Song Lyrics Feature In Reels: A Step-By-Step Guide

What Is Instagram’s Edit App?

Instagram Edits is the latest Meta-developed app that has been designed to help content creators to improve their quality of content being uploaded on the platform. This AI-backed app brings along a host of features ranging from AI-backgrounds, green screen, sound and visual effects pre-set, and more.

Instagram Edits will also allow users to remove background from a video and replace it with another in real time. Besides using pre-recorded footages from the gallery, Instagram Edits allows recording directly via the app where the videos can be recorded to up to 4K resolution@60fps. Edits currently supports shooting and recording videos of up to 10 mins.

Also Read: Instagram Top Hacks: How To Enable or Disable Sensitive Content From Home Feed

How To Download And Use Instagram Edits On Android and iOS

Step 1: Open Google Play Store or Apple App store on your smartphones

Step 2: Enter Instagram Edits in the search bar and tap on Install

Step 3: Open the Instagram Edits app

Step 4: Use your existing Instagram user ID and password to log-in

Step 5: To start a new project, tap on “+” icon.

Step 6: You can either import an existing video or image for the gallery or start a new recording. Tap on the capture icon for the latter.

Step 7: Toggle between the different lenses and apply if you want while recording a new clip

Step 8: Now, edit the video using AI-backgrounds, filters. You can also merge clips, use transition effects, add music, etc.

Step 9: Once done, tap on Export.

Step 10: You can share this edited video directly on Instagram and Facebook without switching the app.

Key Highlights

• Sign up for Prime easily on your phone
• Enjoy a 30-day free trial
• Plans start at Rs. 299 per month

Are you someone who loves online shopping, binge-watching movies, or hunting for the best deals and discounts? If yes, then an Amazon Prime membership is something you should definitely consider. There are many benefits to Prime, including free delivery, Prime Video, and exclusive offers. Signing up is simple and quick, regardless of whether you’re using a desktop computer or a smartphone. To help you get started right now, here is a simple, step-by-step guide.

Also Read | How To Cancel Amazon Prime Subscription: See All Step Here

How To Install Amazon Prime On Your Smartphone

Signing up using your mobile is super simple. Just follow these steps:

Step 1: Open your mobile browser and go to Amazon Prime Page. This is where you’ll begin your Prime journey.

Step 2: Don’t have an Amazon account yet? Tap “Create Account”.

Step 3: Enter your password, name, and phone number. To get an OTP, tap “Verify mobile number.”

Step 4: If you’re an existing Amazon user, skip the account creation and simply log in with your details.

Step 5: Choose “Try Prime Free” after tapping the three-line menu.

Step 6: Press the “Start your 30-day free trial” button.

Step 7: Choose your Prime plan, confirm your billing and shipping details.

Step 8: You will be charged automatically when the trial period is up. If necessary, cancel at any moment.

For a better and faster shopping experience, download the Amazon app from your play store/ app store. It makes browsing, tracking, and shopping much easier.

Amazon Prime Membership Plans In India

Also Read | Stay Safe While Shopping Online: Five Easy Tips To Avoid Getting Scammed

Why Prime Is Worth It

• Many items come with free one- or two-day delivery
• Special access to Prime-only offers and Lightning Deals
• Prime Video and Prime Music streaming is unlimited
• Prime Reading and gaming benefits

Whether you’re shopping, streaming, or saving, Prime has something for everyone.

For the tech geeks, stay updated with the latest cutting-edge gadgets in the market, exclusive tech updates, gadget reviews, and more right on your phone’s screen. Join Giznext’s WhatsApp channel and receive the industry-first tech updates.

Key Highlights

• Digilocker is authorized app for personal ID and document storage
• Is available on Android and iOS platforms
• School and university exams can be checked online

Digilocker is the safest platform to keep all crucial identity documents. Authorised by the government of India, this mobile app allows storing personal IDs (Aadhaar card, driving licence), vehicle documents, etc. Digilocker is also offering services to check and download school and university results. And with the exam result season kickstarting, Digilocker is the safest bet to verify and download results directly from the issuing organisation/ authority. Be it class 10th and 12th CBSE or ICSE or ISC or UPMSP board results, you can easily see your exam results and also download it for future use.

For the tech geeks, stay updated with the latest cutting-edge gadgets in the market, exclusive tech updates, gadget reviews, and more right on your phone’s screen. Join Giznext’s WhatsApp channel and receive the industry-first tech updates.

Also Read: IRCTC Helicopter Reservations Begin For Char Dham Kedarnath Yatra 2025: Ticket Prices, How To Book

How To Check And Download Any Exam Result Using Digilocker Mobile App

Step 1: Download and install Digilocker app. You can download this app on both Android and iOS platforms.

Step 2: You can also access its desktop version by visiting www.digilocker.gov.in

Step 3: Login using valid credentials or register if you are a first time user.

Step 4: Scroll down on the hompage to the ‘Documents your might need’ section. Look for your ‘Class marksheet’. You will get multiple options for different exam results such as SSC, HSC, Class X, etc.

Step 5: Select the board of examination.

Step 6: Alternatively, tap on search and directly type in CBSE, ICSE, ICS or other board exam result.

Step 7: Enter student’s name, roll number, and year of exam.

Step 8: Tap on Get Document option

Step 9: The exam result with authorised signature will be issued which you can download as a PDF on your device.

Step 10: Get the print of the result if required