Report a cyber fraud
Your fraud is reported on 1930, on the national cyber crime portal and to your bank, and you hold the complaint numbers.
About this guidePending verification
Published on 12-11-2026. Not every fact has been checked against its official source yet: confirm at the office.
For whom: People in Telangana who lost money to an online fraud (UPI, bank, card, a fake call), or who faced another cyber crime.
In an emergency, call at once
1930National Cyber Crime Helpline (free, 24 hours)Answer the questions below first. Then the documents and steps open.
1Your situation
We show only what your answers need.
- Did you lose money in the fraud?
Your answers stay on this phone.
Each step below says who it is for. Confirm yours at the office, then change your answer here.
2Documents you need
Tick the ones you have. They are kept in this browser.
Details
The bank's SMS or e-mail alert about the transaction
Sources: 1, 6
Details
If you don't have it: It comes by SMS after you call 1930.
Sources: 1, 2
Details
If you don't have it: The bank sends it by SMS or e-mail as soon as you report.
Sources: 6, 7
Nothing to get ready before these steps.
3Your steps
· Do them in order. Tick each one when it is done.
- Do this nowIf: Yes, money was taken
Call 1930 at once and give your name, mobile number and the transaction details.
The sooner you call, the better the chance of stopping the money. If you cannot get through, report the fraud on cybercrime.gov.in.
Sources: 1, 2, 3, 4, 5
- Do this nowIf: Yes, money was taken
Write down the acknowledgement number in the SMS that 1930 sends you.
Sources: 1, 2
- Do this nowIf: Yes, money was taken
Tell your bank at once: call the customer care number on the bank's official website, or go to the branch.
Ask them to block the card and stop any more money leaving the account. Any delay makes a loss more likely.
Sources: 5, 6
- Do this nowIf: Yes, money was taken
Tell the bank even if days have passed.
Under RBI’s rule, if the fault is neither yours nor the bank’s, you bear no loss when you tell the bank within 3 working days of its alert. Told in 4 to 7 working days, your loss on each transaction is at most ₹5,000 to ₹25,000, by type of account. After 7 working days, the bank’s own policy decides. If you gave someone your OTP, PIN or password, the loss until you tell the bank is yours; any loss after that is the bank’s.
Not confirmed
This RBI circular (6 July 2017) is for scheduled commercial banks, regional rural banks, small finance banks and payments banks; we have not read the rule for co-operative banks. The rule will change: for transactions from 1 January 2027, RBI's new rule for commercial banks counts 5 calendar days from the transaction.
Sources: 6, 7
- Do this nowIf: Yes, money was taken
Keep the complaint number the bank sends you.
Sources: 6, 7
- Do this nowIf: Yes, money was taken
On cybercrime.gov.in, fill in the full details of the fraud using the acknowledgement number.
Open the official pageNot confirmed
The 24-hour limit is from the Home Ministry's 2021 release (the number was then 155260). Check the time given in the SMS from 1930. We could not open the pages of cybercrime.gov.in to confirm it.
Sources: 1
- Do this nowIf: No, another cyber crime (such as harassment)
Report what happened on cybercrime.gov.in.
Open the official pageSources: 3
- Do this nowIf: No, another cyber crime (such as harassment)
If you are not sure how to report it, call 1930 and ask.
Sources: 2, 3
- Do this nowIf: Yes, money was taken
Go to the police station with your complaint number and ask about the FIR.
Not confirmed
Central government releases say State police turn portal complaints into FIRs. The Telangana Cyber Security Bureau's site (tgcsb.tspolice.gov.in) says to report cyber fraud on 1930 or the national portal; its home page lists no cyber crime police stations. It names a refund claim process for victims, which we have not read. Ask at the police station where the cyber crime police station is, and how to claim money a bank has put on hold.
Sources: 3, 5, 9
- Do this nowIf: No, another cyber crime (such as harassment)
Go to the police station with your complaint number and ask about the FIR.
Not confirmed
Central government releases say State police turn portal complaints into FIRs. The Telangana Cyber Security Bureau’s site (tgcsb.tspolice.gov.in) says to report cyber fraud on 1930 or the national portal; its home page lists no cyber crime police stations. Ask at the police station where the cyber crime police station is.
Sources: 3, 5, 9
- Do this now
Do not tell anyone your OTP, PIN, CVV or password.
No real bank, RBI office or other genuine body will ever ask you for them.
Sources: 5
If something goes wrong
If it is lateComplain to the bank first and keep proof of the complaint (its number).
Complain to the bank first and keep proof of the complaint (its number). If the bank gives no reply within 30 days of getting your complaint (or within a longer time RBI, NPCI or the card network sets for your kind of complaint), or you are not satisfied with its reply, complain online to the RBI Ombudsman. Do it within 90 days of that time running out or of the bank's last reply, whichever is later.
RBI Ombudsman · Open the official page
Sources: 5, 8
If it is rejectedIf the bank turns down your complaint or you are not satisfied with its reply, complain online to the RBI Ombudsman within 90 days of the bank's last reply.
If the bank turns down your complaint or you are not satisfied with its reply, complain online to the RBI Ombudsman within 90 days of the bank's last reply. There is no fee.
RBI Ombudsman · Open the official page
Sources: 5, 8
If it is lateIf no one contacts you about your complaint, call 1930 with your complaint number, or go to the police station.
If no one contacts you about your complaint, call 1930 with your complaint number, or go to the police station.
National Cyber Crime Helpline · Open the official page
Sources: 3
AlsoDo not pay anyone who asks for a fee to "get your money back".
Do not pay anyone who asks for a fee to "get your money back". 1930 is a toll-free number. A complaint to the RBI Ombudsman needs no fee and no agent. After a 1930 complaint, it is the banks that put the money on hold, if the money is still there. If you get such a call, tell 1930.
National Cyber Crime Helpline · Open the official page
Sources: 1, 2, 8
Official websites for this work
- RBI Ombudsman Complain about a bank
- Cyber crime portal Report online fraud; call 1930 at once
The 9 official pages and papers this guide is written from
- Union Home Ministry has operationalised the national Helpline 155260 and Reporting Platform for preventing financial loss due to cyber fraudPress Information Bureau, Ministry of Home Affairs, The workflow of the Helpline and its platform (17-06-2021) · read on 29-10-2026
- Cyber Frauds HelplinePress Information Bureau, Ministry of Home Affairs (06-04-2022) · read on 29-10-2026
- 'National Cyber Crime Reporting Portal' enables public to report incidents of cyber-crimes, with special focus on cyber-crimes against women and childrenPress Information Bureau, Ministry of Home Affairs, First list of steps (I4C, the portal, CFCFRMS, helpline 1930) (18-12-2024) · read on 29-10-2026
- Curbing Cyber Frauds in Digital IndiaPress Information Bureau, National Cyber Crime Reporting Portal (08-10-2025) · read on 29-10-2026
- BE(A)WARE: a booklet on the modus operandi of financial fraudstersReserve Bank of India, Consumer Education and Protection Department, Vishing calls (precautions); Actions to be taken after occurrence of a fraud; File a complaint · read on 29-10-2026
- Customer Protection: Limiting Liability of Customers in Unauthorised Electronic Banking Transactions (RBI/2017-18/15)Reserve Bank of India, Addressed to all scheduled commercial banks (including RRBs), small finance banks and payments banks; para 5 (reporting of unauthorised transactions by customers to banks); paras 6 and 7 with Table 1 (zero and limited liability of a customer); para 8 with Table 2 and its note on counting working days (06-07-2017) · read on 29-10-2026
- Reserve Bank of India (Commercial Banks - Responsible Business Conduct) Third Amendment Directions, 2026 (RBI/2026-27/167)Reserve Bank of India, paras 76G and 76I (for transactions from 1 January 2027); opening paragraph (commercial banks other than small finance banks, payments banks, regional rural banks and local area banks); para 3(2) (transactions on or after January 1, 2027); para 4(20C) (negligence by a customer); paras 76M and 76N (24-06-2026) · read on 29-10-2026
- Frequently asked questions: Reserve Bank - Integrated Ombudsman Scheme, 2026 (updated as on July 01, 2026)Reserve Bank of India, FAQs 10 and 11 (Contact Centre 14448 gives guidance; complaints cannot be filed through it), 16 (not maintainable: no prior complaint to the bank with proof; filed before 30 days or a longer RBI, NPCI or card-network time unless the reply is unsatisfactory; filed after 90 days), 17 (when and by when a complaint can be filed) and 21 (no charge or fee; no third-party agency needed) (01-07-2026) · read on 01-11-2026
- TGCSB - Telangana Cyber Security BureauTelangana Cyber Security Bureau (Telangana Police), Home page: header "Help Line: 1930"; the Director General of Police's message (report cyber fraud through the Cyber Crime Helpline 1930 or the National Cyber Crime Reporting Portal); News & Events, headline of 15 Jul 2026 (Money Restoration Module, refund claim process for cybercrime victims); the bureau's own address only, no list of police stations · read on 02-11-2026