I got a UPI collect request I didn't expect — what do I do?

Do not approve it — ever, even for ₹1. Use UPI Collect Request tool and paste the request details. Collect requests pull money from your account; scammers use small test amounts to verify active accounts, then send larger requests. Decline in your UPI app, block the VPA, and never enter UPI PIN to 'see' or 'reject' a request. Your bank never needs a collect request to 'verify' your account.