Step 1: Call 1930 right now
The National Cyber Crime Helpline (1930) is available 24×7. Tell them the amount defrauded, the bank or UPI app used, and the beneficiary account details if you know them — they can request a freeze on the destination account, and speed matters here.
Step 2: File at cybercrime.gov.in
Go to cybercrime.gov.in → "Report Cyber Crime" → "Financial Fraud" for money fraud, or "Other Cyber Crime" for hacking, blackmail, or fake accounts. Fill in all the details — you'll get an acknowledgement number, which you should save.
Step 3: Contact your bank immediately
Call your bank's fraud helpline (the number is on the back of your debit/credit card). Request: a freeze on the beneficiary account, a chargeback or recall for UPI transactions, and written confirmation of your complaint. The RBI's zero-liability rule applies if you report within 3 working days.
Step 4: File an FIR at the police station
Visit the nearest cybercrime police station, or any police station. The FIR is mandatory for large fraud amounts and for insurance claims. Police must register it — if they refuse, escalate to the SP or file online on your state police portal.
Step 5: Preserve all evidence — don't delete anything
Take screenshots of every message, profile, and transaction before blocking or reporting on the platform, noting the date and time of each. This evidence is needed for the police, your bank, and any court proceedings.
Common cyber crimes you can report
- UPI/online banking fraud, OTP fraud, fake loan apps, investment scams
- Social media hacking, identity theft, online blackmail/sextortion
- E-commerce fraud, fake job offers
Documents you'll need
- Screenshots of all fraud communication (WhatsApp, email, SMS, social media) with timestamps
- Transaction IDs, UTR numbers, or UPI reference IDs
- Bank statement showing the fraudulent debit
- Any fake links, phishing websites, or fraudulent app screenshots
- The fraudster's phone number, email, or account details, if known