Online Fraud & Cyber Scam Complaint — Claim Your Money Back

How to file a National Cyber Crime Portal + your bank / RBI complaint

1. 1

   Report on 1930 within the 'golden hour'

   Call the cyber-crime helpline 1930 or file at cybercrime.gov.in immediately. The sooner the transaction is flagged, the higher the chance the money is frozen before the fraudster withdraws it. Note the acknowledgement number.

2. 2

   Notify your bank in writing within 3 days

   Email your bank's grievance cell describing the unauthorised transaction and demanding a reversal. RBI's limited-liability rules give zero customer liability for unauthorised electronic transactions reported promptly — the 3-working-day window matters.

3. 3

   Generate your complaint with Nyaykar

   Type or speak what happened in any of 11 Indian languages. Nyaykar drafts a formal complaint to your bank (and, if it stalls, the RBI Banking Ombudsman) citing the RBI limited-liability framework and your prompt report.

4. 4

   Submit to the bank and keep the trail

   Send the letter to the bank's grievance cell, attach your 1930 acknowledgement, the transaction statement, and screenshots of the fraudulent SMS/call/link. Get a complaint reference number in writing.

5. 5

   Escalate to the RBI Banking Ombudsman if ignored

   If the bank rejects your claim or stays silent for 30 days, escalate to the RBI Banking Ombudsman (cms.rbi.org.in) — filing is free and the award is binding on the bank. Nyaykar can draft the escalation letter.

Frequently asked questions

Paise UPI/bank se cut gaye fraud mein — wapas milenge?

Often yes, if you act fast. Report on 1930 / cybercrime.gov.in immediately and notify your bank in writing within 3 working days. Under RBI's limited-liability rules, a promptly-reported unauthorised transaction can carry zero customer liability, and the bank must credit the amount back.

What is the 'golden hour' in online fraud?

It's the short window right after a fraud when reporting to 1930 lets police and banks freeze the money before the scammer withdraws it. The faster you report, the better your chance of recovery — don't wait to 'see if it reverses on its own'.

Bank is refusing to refund — kya karun?

Send a written grievance citing RBI's limited-liability circular for unauthorised electronic transactions. If the bank denies it or ignores you for 30 days, escalate to the RBI Banking Ombudsman (cms.rbi.org.in) — free, and its award is binding on the bank.

I gave the OTP myself — am I still protected?

It's harder but not hopeless. If you were tricked by impersonation or a phishing link, argue the transaction was unauthorised and report promptly to 1930 and the bank. Banks assess liability case-by-case; a documented, fast report is your strongest position.

What is a 'digital arrest' scam?

Fraudsters posing as police/CBI/customs video-call you, claim your Aadhaar/SIM/parcel is linked to a crime, and pressure you to transfer money to 'clear your name'. It is a scam — no agency arrests you over a video call. Cut the call and report on 1930.

Is filing on the Cyber Crime portal free?

Yes. Reporting on cybercrime.gov.in and calling 1930 is completely free, as is complaining to your bank and the RBI Banking Ombudsman. You never pay to recover money lost to fraud.