How to report online fraud in India: cybercrime.gov.in and 1930

Written and verified by the Grahak Mitra research team — an independent project documenting digital consumer self-help in India.

Last updated: 2026-07-10

There are two official ways to report online fraud in India, and you should use both:

Call 1930, the national cyber-crime helpline — fast, for financial fraud, and it helps stop the money trail.
File at cybercrime.gov.in, the National Cyber Crime Reporting Portal — this creates the official record of your complaint.

If money has just left your account, call 1930 first, then file the online complaint. Speed matters — reporting quickly gives the best chance of stopping the money, though recovery is never guaranteed.

What you need before you file

Gather these first — it makes both the call and the online form much faster.

What to have ready	Why it helps
Date, time and ₹ amount of each fraudulent transaction	Identifies the exact debit to trace.
The account, card or UPI ID the money left from	Lets the bank and portal follow the transfer.
Any detail of the other side (UPI ID, phone number, website, sender ID)	Helps trace where the money went.
Screenshots of the messages, payment and any call	Evidence for your complaint.
Your bank complaint acknowledgement number, if you already raised one	Links your bank dispute to the cyber-crime report.

Step by step

Call 1930 right away if money left. Report the fraud and note the reference number they give you.
Tell your bank to flag the transaction as unauthorised and block further debits — see the first-hour guide.
File a complaint at cybercrime.gov.in. Choose the financial-fraud option, enter the details above, and submit.
Save the acknowledgement number and keep every screenshot and reference together.
Track the status of your complaint on cybercrime.gov.in using that acknowledgement number.

Beware a second scam: the only ways to report are 1930, cybercrime.gov.in, and your own bank. Anyone who phones or messages offering to recover your lost money for a fee — a "recovery agent", "refund officer", or fake "cyber cell" — is a fresh fraud. Never pay to get your money back.

What happens after you call 1930

The helpline logs your complaint and passes the transaction details to the banks and payment systems involved so the money trail can be followed and, where possible, the funds held. You are then asked to complete the online complaint at cybercrime.gov.in, which becomes the formal record the investigation and your bank both work from. Keep your reference and acknowledgement numbers — you will need them to follow up and to track status.

If the bank or portal does not resolve it

Keep every acknowledgement number. If your complaint is not resolved within a reasonable time, you can escalate:

RBI Ombudsman (cms.rbi.org.in) — for a bank or payment-system grievance the bank did not resolve.
National Consumer Helpline (1915) — general consumer grievance support.
e-Daakhil — to file a consumer complaint online.

All of these are linked below so you can act directly.

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