UPI or online banking fraud

What you need to know

Report UPI fraud to bank immediately and file cybercrime complaint at 1930. Under RBI zero-liability policy, if reported within 3 working days, you bear zero liability for the fraudulent transaction.

Your rights

Zero liability if fraud reported within 3 working days

Full refund for unauthorized transactions

File cybercrime complaint at 1930

RBI Ombudsman if bank refuses refund

What you should do now

Action first

Call bank immediately — every minute counts

Call bank 24-hour helpline and report unauthorized transaction
Block card/UPI immediately
File cybercrime complaint at 1930 or cybercrime.gov.in
Reporting within 3 working days triggers zero liability under RBI policy

If bank refuses refund

File RBI Banking Ombudsman complaint at cms.rbi.org.in

Acts applicable

IT Act 2000

central

Section 66C — Identity theft, Section 66D — Cheating by personation

RBI Master Directions 2017

central

Customer Protection — Limiting Liability in Unauthorised Electronic Transactions

Where to complain

Cybercrime Portal — 1930 Helpline RBI Banking Ombudsman

Consumer complaint portal: e-jagriti.gov.in (replaced edaakhil.nic.in as of Jan 2025). Labour complaints: col.gujarat.gov.in. All links verified June 2026 via web search against official government sources.