Online fraud can involve fake customer-care calls, phishing links, unauthorised payments, investment scams, impersonation or stolen account credentials. If you are affected, act quickly, preserve evidence and report through official channels. Reporting does not guarantee recovery, but early action can help authorities and financial institutions respond.
If money has been taken, act immediately
- Call 1930. India’s national cyber-fraud helpline is intended for reporting financial cyber fraud. Give the details requested and keep the acknowledgement or reference number.
- File the online complaint. Visit the official National Cyber Crime Reporting Portal and follow its current reporting steps. If you first report by phone, follow the instructions given for completing the portal complaint and retain the acknowledgement.
- Contact your bank or payment provider. Use the official app, website or the number printed on your card or statement. Report the transaction, request urgent action and ask for a complaint number.
- Secure affected accounts. Change compromised passwords from the official service, revoke unknown sessions and remove suspicious apps or permissions. Never disclose an OTP, password, card PIN or UPI PIN to someone claiming to help.
What information should you keep?
- Transaction/reference ID, amount, date and time
- Bank, wallet, payment app or merchant details involved
- Phone numbers, email addresses, website links and account IDs used by the suspected fraudster
- Messages, emails, call logs, screenshots and receipts
- Bank and portal complaint or acknowledgement numbers
Keep the original evidence where possible and do not edit screenshots. Do not publish sensitive bank details or identity documents publicly. Share information through official reporting channels.
How to report other cybercrime
For phishing, impersonation, hacked accounts, online threats or other cybercrime, use the National Cyber Crime Reporting Portal and choose the reporting route that matches the incident. The portal’s available options and instructions can change, so follow what is displayed on the official site. You can also approach the local police or cybercrime police station, particularly if there is an immediate threat or you need in-person assistance.
Important safety reminders
- Do not pay a stranger who promises to recover your lost money for an advance fee.
- Do not install remote-access software or share your screen at an unsolicited caller’s request.
- For UPI disputes, open the original transaction in your UPI app and raise a complaint there as well as contacting your bank when needed.
- Use official contact details you independently verify; search results and social-media comments can contain fake customer-care numbers.
Official sources
- National Cyber Crime Reporting Portal — online reporting and official instructions.
- NPCI UPI FAQs — transaction status and UPI grievance guidance.
- Reserve Bank of India financial awareness messages — digital-payment safety advice.
Keep the complaint acknowledgement and follow the bank or authority’s instructions. This guide is general information, not a guarantee of recovery or a substitute for case-specific advice.
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