How to report online or UPI fraud

Lost money to an online fraud? Call 1930 at once, tell your bank, and file a complaint on the national cybercrime portal.

हिंदी में पढ़ें

Checked on 11 November 2026. Fees, forms and steps change. Confirm on the official website before you pay. This is not a government website, and we do not process any application.

What you need

The date, time and amount of the transaction
The transaction or UTR number (in the SMS or in your UPI app)
Your bank or wallet name and account number
Screenshots of the messages, the app screen and the fraudster's number or UPI ID

Steps

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Call 1930, the national cyber fraud helpline, as soon as you notice the fraud. The sooner you call, the better the chance that the money can be frozen before it is withdrawn.
Give the operator the transaction details. You get an acknowledgement number by SMS.
Call your bank's helpline as well. Report the unauthorised transaction and ask them to block the account, card or UPI as needed. Follow it with a written complaint or email.
Open cybercrime.gov.in. Choose to report a cyber crime and then financial fraud. Fill in what happened and upload the screenshots.
Save the acknowledgement number. You can track the complaint on the same portal.
If the police ask, visit the cyber police station with your papers. Reply to any message from the bank or police asking for more details.

Fee

Reporting is free, on the helpline and on the portal.

Good to know

You never need to enter your UPI PIN or scan a QR code to RECEIVE money. A PIN is only for sending money.
Never share an OTP, PIN, CVV or password. No bank, courier, electricity office or police officer asks for them.
Do not install a screen-sharing app because a caller asks you to. It lets the caller see and control your phone.
Under Reserve Bank of India rules, a customer who reports an unauthorised transaction to the bank within three working days has the strongest protection. So report at once.
Do not believe anyone who promises to recover your lost money for a fee. That is a second fraud.
Suspicious calls and messages, even if you lost nothing, can be reported on the Chakshu facility of the Sanchar Saathi portal.

Official website

National Cyber Crime Reporting Portal

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