Time-sensitive — every minute matters

Lost Money to a Scam?
Act in the Golden Hour.

Report immediately to limit your liability under RBI guidelines. The faster you report, the better your chance of a full refund.

Direct Links to Report Bank Fraud Online

Click your bank below to go directly to their official unauthorized transaction reporting page. All links verified and official.

All links go directly to official bank portals. reportfraud.in does not collect any personal information.

Your Rights: RBI Zero Liability Policy

Under the RBI Unauthorized Transaction Guidelines, your liability depends entirely on how quickly you report. Know your rights.

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Full refund if reported within 3 days

If you report an unauthorized transaction within 3 working days of receiving the bank's SMS/email notification, you have zero liability — you are entitled to a full refund regardless of the transaction amount. This applies to all bank fraud, UPI fraud, and card fraud.

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Limited liability if reported within 4–7 days

If you report between 4 to 7 working days, your maximum liability is capped depending on your account type: ₹5,000 for basic savings accounts, ₹10,000 for other savings/prepaid accounts, and ₹25,000 for credit cards with limits above ₹5 lakh. The bank must refund the rest.

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Always save your Acknowledgement Number

When you report a fraud to your bank or on cybercrime.gov.in, you receive an Acknowledgement Number. This is your legal proof of reporting. Save it immediately — it is required to escalate to the RBI Banking Ombudsman if your bank does not resolve the issue within 30 days.

📄 Read Official RBI Circular on Customer Protection →
National Cybercrime Reporting Portal

File a formal cybercrime complaint with the Government of India. Required for all online fraud, UPI scams, and identity theft.

Go to cybercrime.gov.in →
Also call 1930 to speak to a cybercrime officer immediately