UPI or bank fraud — money transferred without consent

What you need to know

Report UPI/bank fraud immediately to bank and file cybercrime complaint at 1930. Under RBI zero-liability policy, reporting within 3 working days means zero liability. Bank must resolve within 90 days.

Your rights

Zero liability if fraud reported within 3 working days

Bank must resolve within 90 days

RBI Ombudsman if bank refuses refund

Cybercrime complaint at 1930 + police FIR

What you should do now

Action first

Call bank immediately — do not wait

Call 24-hour bank helpline, report transaction, block card/UPI
File cybercrime complaint at 1930 or cybercrime.gov.in within 3 working days
Reporting within 3 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 Gujarat Police — File Complaint

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.