Cyber Crime Complaint — 1930, cybercrime.gov.in and Acting Fast
This is the one complaint on this site where minutes matter. Money moves through mule accounts within hours, and the report on 1930 is what triggers the attempt to freeze it.
- Who to contact first
- The National Cybercrime Reporting Portal and helpline 1930, operated by the Indian Cyber Crime Coordination Centre — and your bank, at the same time.
- How to reach them
- Call 1930 first, then file the details at cybercrime.gov.in. Tell your bank in the same hour.
- How long to wait
- Immediately. There is no formal deadline, but the practical window in which money can be frozen is measured in hours.
- If they ignore you
- Your bank remains separately liable under the RBI limited-liability framework: an unauthorised transaction reported within three working days of the bank’s alert carries nil customer liability.
Official source · last verified 2 September 2026 — National Cybercrime Reporting Portal — Indian Cyber Crime Coordination Centre. GetNyay is not affiliated with, endorsed by, or acting for any government department.
If money has just left your account, stop and call 1930 now. Fraud proceeds move through layers of mule accounts within hours, and 1930 is the channel through which a request can reach the beneficiary bank to attempt a freeze. Every minute spent gathering documents first is a minute the money is moving. File the detailed report at cybercrime.gov.in afterwards, and tell your bank in the same hour — the RBI limited-liability framework turns on how fast you report, not on how well you document.
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All contact channels
Every channel below was read on an official page. Contact details change — the source for each is linked in the verification footer at the end of this page.
The escalation ladder, level by level
Work through these in order. Every forum above asks what you did below, and skipping a rung is the commonest reason a complaint is sent back.
- 1Cybercrime helpline 1930Wait Within minutes, not days
The 1930 helpline — immediately.
The amount, the time, the account or UPI ID the money went to, and the transaction reference. Have the bank app open.
- 2Bank — unauthorised transaction reportWait Within three working days of the bank’s alert for nil liability
Your bank, in the same hour.
A written report as well as the call, so the date and time of reporting is documented. Ask for the complaint reference.
- 3National Cybercrime Reporting PortalWait As soon as the immediate steps are done
The full report on cybercrime.gov.in.
Screenshots, the transaction trail, the phone numbers and any links used, and the acknowledgement from 1930.
- 4RBI OmbudsmanWait After 30 days with the bank, within 90 days of that
The RBI Ombudsman, if the bank does not honour the limited-liability framework.
cms.rbi.org.in
The date and time you reported, the bank’s response, and the shadow-credit position.
How the process runs
- 1Call 1930 — now
Before screenshots, before the portal, before anything. Have the amount, the time and the beneficiary details ready if you can, but call even if you do not.
then: in the same hour - 2Tell your bank, and get it in writing
An unauthorised transaction reported within three working days of the bank’s alert carries nil customer liability. Ask for the complaint reference and note the time.
then: once the money is reported - 3File the full report at cybercrime.gov.in
With screenshots, the transaction trail, the numbers and links used, and the 1930 acknowledgement.
then: if the bank does not act - 4RBI Ombudsman
The disputed amount should be shadow-credited within 10 working days. If the bank does not apply the framework, the Ombudsman is free and binding.
What this system will not take up
Filing one of these wastes the whole period — it is closed on that ground alone.
- Recovering money from a person you knowingly paid in a private dispute — that is a civil matter.
- Anything pending before a court.
- A bank service failure that is not fraud, which is the ordinary banking grievance route.
- Guaranteed recovery — reporting fast improves the chance of a freeze, it does not assure it.
What to have ready before you complain
Assemble these first. A complaint that opens with the identifying numbers gets routed; one that opens with how long this has been going on gets a template reply.
- The transaction reference — UTR, RRN or UPI transaction ID.
- The exact amount and the time of the debit.
- The account number, UPI ID or wallet the money went to.
- Screenshots of the messages, calls or links involved — before you delete anything.
- The phone number or email the approach came from.
- The acknowledgement number from 1930 and from the portal.
Timelines at a glance
How long to wait at each stage, and where that period comes from.
| Stage | Window | Where it comes from |
|---|---|---|
| Report to 1930 | Immediately — hours matter | National Cybercrime Reporting Portal and helpline 1930 |
| Report to the bank for nil liability | Within three working days of the bank’s alert | RBI circular on limiting customer liability in unauthorised electronic banking transactions |
| Shadow credit of the disputed amount | Within 10 working days | RBI circular on limiting customer liability |
| RBI Ombudsman | After 30 days with the bank; within 90 days of that | Reserve Bank – Integrated Ombudsman Scheme, 2026 |
Common complaints handled here
Who runs this, and who is above it
Indian Cyber Crime Coordination Centre, Ministry of Home Affairs
The portal and the 1930 helpline are operated by the Indian Cyber Crime Coordination Centre, and 1930 is the channel through which a request can reach the beneficiary bank. That is why the call comes before the written report: the written report preserves the evidence, but the call is what might stop the money.
https://cybercrime.gov.in/ →If they ignore you — where to go next
What each forum costs and what it needs before it will take your case.
Where the bank does not apply the limited-liability framework properly. The date and time you reported is the central fact.
The portal report and acknowledgement. A cyber fraud is a criminal offence as well as a banking dispute.
Frequently asked questions
What should I do first if I have just lost money to a fraud?
Call 1930 immediately — before taking screenshots, before filing anything, before reading further. Fraud proceeds are moved through layers of accounts within hours, and 1930 is the channel through which a request can reach the beneficiary bank to attempt a freeze. Tell your bank in the same hour. Everything else, including the detailed portal report, comes afterwards.
What is the cyber crime helpline number in India?
1930, operated alongside the National Cybercrime Reporting Portal at cybercrime.gov.in by the Indian Cyber Crime Coordination Centre. The helpline is for the urgent financial-fraud report; the portal is where the full complaint with evidence is filed. Use both, in that order.
Will I get my money back?
Reporting within the first hour materially improves the chance of a freeze, but no honest answer promises recovery. What is more reliable is the banking side: under the RBI limited-liability framework, an unauthorised transaction reported within three working days of the bank’s alert carries nil customer liability, and the disputed amount should be shadow-credited within 10 working days. That is an entitlement, not a hope.
Do I have to report to the police as well?
The portal report feeds into the police system, and for a significant loss an FIR is worth pursuing as well — cyber fraud is a criminal offence, not only a banking dispute. Take your portal acknowledgement number with you. Where a police station is reluctant, the acknowledgement and the 1930 report are useful evidence that the matter was formally reported.
The bank says I shared my OTP, so it is my fault. Is that right?
Not automatically. The RBI framework distinguishes between customer negligence and third-party breach, and the liability position depends on the circumstances and on how quickly you reported. Frauds that involve impersonation of a bank or an official are precisely the cases the framework contemplates. Put your report date and time in writing, and if the bank does not apply the framework, the RBI Ombudsman is free and can award up to ₹30 lakh.
Should I also report the number that called me?
Yes — report it on Chakshu through the DoT Sanchar Saathi portal, which handles suspected fraud communication, and check TAFCOP for any SIM issued in your name that you did not take. That does not recover your money, but it acts on the connection used, and a SIM issued in your name is a separate problem worth discovering now rather than later.
Letter and notice formats
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Related escalation guides
Every contact detail on this page was read on an official page — primarily National Cybercrime Reporting Portal — Indian Cyber Crime Coordination Centre. Government contact details change without notice. If something here is out of date, tell us and we will check it.
What we deliberately left blank (3)
- — Any guaranteed recovery rate or freeze success rate.
- — State cyber cell addresses, which differ by state.
- — The portal was not opened directly when this page was built; the helpline and portal are long-established and cited from the repository’s existing verified source.