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UPI, card or online fraud
Money taken without your OK, fake links, scam calls, unknown debits
Helplines — free, any timeRules last checked 2026-10-21
Fraud
Time matters. Report fraud within hours: call 1930 and file at cybercrime.gov.in, then tell your bank in writing within 3 working days to keep zero liability.
01Now
Report the fraud now
Who: Cyber fraud helpline 1930 and cybercrime.gov.in
Call 1930 now, then file on cybercrime.gov.in. Add the acknowledgement number here.
Rule: The sooner it is reported, the better the chance the money is frozen before it moves
cybercrime.gov.in ↗02⏱ 10 days
Tell your bank in writing
Who: Your bank / payment app
Report within 3 working days to keep zero liability. The bank should credit you within 10 working days.
Rule: RBI: report within 3 working days for zero liability; the bank must credit the amount within 10 working days
03⏱ 30 days
Bank's Nodal Officer
Who: The bank's Principal Nodal Officer
A written final answer.
Rule: Banks get 30 days to resolve a written complaint before the RBI Ombudsman can be approached
04Final
RBI Ombudsman
Who: RBI Integrated Ombudsman (cms.rbi.org.in / 14448)
Free. You get a reference number to track.
Rule: RBI Integrated Ombudsman Scheme 2021: after 30 days with no answer, within one year
cms.rbi.org.in ↗Guidance, not legal advice. Timelines come from published rules and are rounded up so you never escalate too early.
Common questions
Where do I complain about upi, card or online fraud?
In this order: 1. Report the fraud now (Cyber fraud helpline 1930 and cybercrime.gov.in), 2. Tell your bank in writing (Your bank / payment app), 3. Bank's Nodal Officer (The bank's Principal Nodal Officer), 4. RBI Ombudsman (RBI Integrated Ombudsman (cms.rbi.org.in / 14448)).
How long do I wait at each step?
Report the fraud now: straight away; Tell your bank in writing: 10 days; Bank's Nodal Officer: 30 days; RBI Ombudsman: the final step.
What is the final step?
RBI Ombudsman: Free. You get a reference number to track.