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If you have just lost money or spotted an unauthorized debit, call India’s cyber financial fraud helpline at 1930 promptly, then contact your bank using a channel you independently verify as official. Ask the bank to prevent further unauthorized activity and give you a complaint reference number. You can make the initial report before you have gathered every document.
Take these steps now
- Call 1930. This is the Government of India’s cyber financial fraud reporting helpline. Report promptly; do not delay the call while collecting paperwork. The National Cyber Crime Reporting Portal lists the immediate reporting route.
- Notify your bank through an independently verified official channel. Use the bank’s official app or website, contact details on a statement or card, or a branch. Do not rely on a phone number or link provided by the suspected scammer. Clearly say whether you are reporting an unauthorized transaction or a scam transfer. Ask the bank to take steps to prevent further unauthorized debits, and record the complaint/reference number. RBI directions call for 24-hour reporting access, prompt acknowledgment with a complaint number, and immediate steps to prevent further unauthorized transactions after notification. Read the RBI directions.
- Secure the access that may have been exposed. Ask the bank what to block or reset based on what happened—for example, UPI access, mobile or internet banking, a card, or account debits. The right action depends on what information or device access the scammer obtained; do not assume every incident requires closing the account. Never give anyone an OTP, UPI PIN, password, or remote-access code, including someone claiming they can recover your money.
- File or complete the online cybercrime complaint. Use the relevant cybercrime route for online financial fraud on the National Cyber Crime Reporting Portal. Provide accurate details and keep the acknowledgment or reference. Complaints are handled by the selected State or Union Territory police authority; the portal explains status tracking for report-and-track and other-cybercrime reports.
- Save the evidence and make a timeline. Keep the bank statement or transfer receipt, UPI transaction identifier or reference, amount, time, recipient details shown, and any messages, emails, URLs, chat transcripts, or screenshots of suspect numbers and profiles. Preserve original messages and files where possible. The portal lists statements, transfer receipts, emails, URLs, chats, screenshots, images, and videos as potential evidence.
- Follow up with the bank. Keep the bank complaint number, cybercrime acknowledgment, and a dated log of calls and messages. If the issue involves a UPI transaction, NPCI directs customers to their bank for fraudulent or unidentified unauthorized transactions. Its UPI FAQ also advises contacting the bank if an expected reversal does not occur; that is an escalation path, not a promise that a scam payment will be reversed. See NPCI’s complaint guidance and UPI FAQs.
Which reporting route does what?
These routes complement one another. The helpline is for urgent reporting of cyber financial fraud; the online portal records a police complaint and supports evidence and status tracking; the bank handles account containment and the transaction complaint. NPCI’s complaint mechanism does not replace notifying your bank about fraud or an unauthorized debit.
| Route | Main purpose | What to keep |
|---|---|---|
| 1930 | Prompt phone reporting of cyber financial fraud | Any transaction details you have; do not postpone the call to gather every document |
| National Cyber Crime Reporting Portal | Online complaint, supporting evidence, and status tracking for applicable reports | Accurate incident details and the acknowledgment or reference |
| Your bank | Report the transaction, seek steps to prevent more unauthorized activity, and pursue the bank complaint | Complaint/reference number and a record of follow-ups |
| NPCI complaint mechanism | Transaction status or routing for certain payment complaints; fraudulent or unidentified unauthorized transactions should be raised with the bank | Relevant UPI transaction details and the bank complaint record |
What kind of payment happened?
Describe the event accurately when you contact the bank. The remedy can depend on whether you were tricked into approving a payment, an account transaction occurred without your authorization, a payment failed, or money went to the wrong recipient by mistake. Do not assume that these situations have the same dispute process or reimbursement outcome.
You were tricked into authorizing a transfer
Tell the bank what you approved and how the scam worked. A payment you personally authorized after being deceived is not automatically treated the same as an unauthorized electronic transaction under RBI’s customer-liability directions. Report it anyway, preserve the evidence, and ask the bank what options apply.
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You did not authorize the debit
Tell the bank that the transaction was unauthorized and when you first learned about it. Prompt notification matters under RBI’s liability framework, but whether a transaction qualifies for protection depends on the facts and applicable rules.
The transaction failed or the transfer was mistaken
Explain that specific circumstance rather than labelling it fraud if that is not what occurred. For a UPI transaction with an expected reversal that has not appeared, NPCI’s FAQ points customers to their bank. A mistaken transfer and a failed payment are distinct from a scam or an unauthorized debit, so ask the bank which process applies.
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Can you get the money back?
Possibly, but no helpline, bank complaint, or cybercrime report guarantees a freeze, recovery, refund, or police outcome. RBI’s published 2017 directions set out customer liability for unauthorized electronic banking transactions; they do not mean every payment made under deception automatically qualifies for reimbursement.
How the published RBI directions treat unauthorized transactions
The directions distinguish responsibility and notification timing. A customer has zero liability for specified bank-attributable failures. For a third-party breach where neither the bank nor the customer is deficient, the directions provide zero liability if the customer notifies the bank within three working days of receiving the transaction communication. If customer negligence—such as sharing payment credentials—caused the loss, the customer bears it until reporting the unauthorized transaction; losses after the report are borne by the bank. For qualifying third-party cases reported after three working days, the directions specify limited-liability bands for four to seven working days; after seven working days, the bank’s board-approved policy applies. The bank must credit a qualifying zero- or limited-liability amount as a shadow reversal within ten working days after notification, and resolve the complaint and determine liability within a period not exceeding 90 days. These rules are fact-dependent. Consult the RBI notification for the applicable terms.
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Check the status of proposed changes
A Ministry of Finance release dated 24 March 2026 said RBI had issued revised instructions, including a proposed compensation mechanism for small-value fraudulent electronic transactions, for public and stakeholder consultation on 6 March 2026. The release documents a consultation; it does not establish that the proposal became a final operative rule. Check RBI’s current notifications before relying on any changed entitlement. Read the Ministry of Finance release.
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- Re Inking Unlimitedly: the information blocker stamp can cover information of the length about 100 meters. And each security stamper roller has an oil hole, so you don't have to worry about you having to throw away the roller stamps when the ink runs out. They can be refilled with oil for repeated use, saving time and energy
- Cover Fast: our identity protection rollers come in 2 different sizes, and you can choose different sizes according to different areas of information to cover large amounts of private information in a fast and clean way, avoiding identity theft and rejecting privacy disclosure harassment
- Easy to Use: just remove the lid on the ID stamp blocker roller and open it, and then gently slide it on the place where the information needs to be covered. It is suitable for most ordinary paper with black words, and can protect your personal privacy in time
- Save Time and Energy: compared with the shredder, the personal confidential stamp has a small size, easy to carry, can be applied anytime and anywhere. Compared to the marker, it covers a larger area and can be quickly covered with a single swipe. There is no need to worry about whether you can not protect your privacy in time
Protect yourself from a second scam
- Do not share an OTP, UPI PIN, password, or remote-access code with anyone who contacts you about the incident.
- Do not use contact details sent by the suspected scammer or found in unsolicited messages or social posts; verify the bank channel independently.
- Keep the bank and cybercrime reference numbers together with your evidence and dated follow-up log.
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