Just got scammed?
Here's what to do.

Free. India-specific. Most cases under 5 minutes.

No login No OTP asked No uploads Free guidance Or call 1930
Example protocol · UPI fraud
Stop further loss
Lock cards · change UPI PIN
Step 1
Call 1930 helpline
Save acknowledgement number
Step 2
File on cybercrime.gov.in
Use details to prepare your complaint
Step 3
!

Do NOT do these — they can make the case worse

Do not call scammers back.

Every call gives them more leverage and information.

Do not pay recovery agents.

Most 'money recovery' offers after fraud are follow-on scams.

Do not Google helpline numbers.

Use official channels: 1930 and cybercrime.gov.in.

Time Is Critical

The golden hour: why every minute counts.

Early reporting can help limit further loss — here's what's still possible.

0–1 Hour
Critical Window

Transaction may still be pending. Call 1930 early so your bank can review faster.

Act now →
1–3 Hours
Still Possible

Funds may be in transit. Your bank may still be able to act. Reporting quickly can still help.

Do it now →
3–24 Hours
Harder But Viable

Funds may have moved. FIR and cybercrime portal complaints remain important. Legal recovery options may still exist.

File now →
24h+
Difficult — Not Impossible

Financial recovery harder, but identity protection, FIR, and legal recourse are still fully available and important.

Still act →
Case Scenarios

Here's what taking action can look like.

Illustrative scenarios based on reported case patterns. Outcomes vary.

UPI / Money fraud Action taken
Scenario: reported early

A victim received a fake customer-care call and transferred money through UPI. The safer next steps are to call 1930, inform the bank, save transaction IDs, and file on cybercrime.gov.in.

Action path: bank review + cybercrime complaint
Western India
Digital arrest Report filed
Scenario: complaint filed same day

A person was kept on a video call by imposters pretending to be officials. The safer next steps are to end the call, avoid payment, tell a trusted person, and file a cybercrime complaint.

Action path: evidence preserved + complaint filed
North India
Sextortion Privacy steps
Scenario: threat reported early

A victim received threats to share private images or videos. The safer next steps are to stop replying, avoid payment, preserve evidence, report the account, and use platform takedown options.

Action path: privacy reporting + support steps
South India
Account hacked Recovery steps
Scenario: recovery steps started

A messaging account was taken over and contacts were asked for money. The safer next steps are to warn contacts, start official account recovery, enable two-factor authentication, and report impersonation.

Action path: account recovery + contact warning
South India
Aadhaar / KYC leak ID check
Scenario: misuse check started

A person's identity details appeared to be misused for accounts or loans. The safer next steps are to lock or monitor documents, check financial traces, and file the right complaint.

Action path: identity monitoring + formal complaint
North India
Screen-share fraud Device check
Scenario: remote access stopped

A victim installed a remote-access app during a fake refund or bank-help call. The safer next steps are to disconnect access, uninstall the app, change passwords from a clean device, and inform the bank.

Action path: device cleanup + password reset
Central India

These are illustrative scenarios, not real testimonials. Outcomes vary by timing, evidence, platform response, bank action, and official process.

Official Reporting

Know your route. Know what to say.

Not every scam starts with 1930 — the right route saves critical time.

Money lost? Call 1930 first.

Early reporting is time-critical. After calling 1930, complete the formal complaint at cybercrime.gov.in using your acknowledgement number.

What to say when 1930 answers

Hello, I am calling to report a cyber fraud. I lost ₹[amount] on [date] via [UPI / Net Banking / Card] from my [Bank Name] account. Please review and flag this transaction urgently.

No money lost? Start with the cybercrime portal.

For digital arrest threats, sextortion, account hacking, fake profiles, and ID/KYC misuse, the portal is usually the right starting point.

What to include

Screenshots, transaction IDs, if any, sender details, date and time, profile links, and threat messages.

How It Works

Not advice overload. A rescue sequence.

Each flow turns panic into an ordered checklist: stop, secure, report, preserve evidence, then monitor follow-on scams.

Triage

Identify money loss, identity exposure, device compromise, blackmail, or active threat.

Damage control

Prioritize the fastest actions that can still reduce loss or prevent escalation.

Official reporting

Guide victims toward the right official route — no random helpline searching.

Your action pack

Convert messy facts into a clean report summary, evidence list, and next-action plan.

Trust by Design

Built for calm, clear action.

You get step-by-step guidance with no logins, no uploads, and every step pointing back to official reporting channels.

Official-first reporting paths
No OTP or password collection
No file uploads required
Victim-safe language
Guidance runs in your browser
Clear legal disclaimers
Prevention

Prevention is the best rescue.

Share these with family — especially parents, first-time smartphone users, and anyone who uses UPI.

Never share OTP — ever

No bank, government body, or UPI app will ever ask for your OTP over a call. If anyone asks, hang up and block the number.

Never install remote apps from callers

Do not install AnyDesk, TeamViewer, or QuickSupport because a caller asks you to. Banks do not need screen access to help you.

Digital arrest is not real

No government agency arrests you over a video call. If this happens, hang up immediately and call 1930.

Lock your Aadhaar biometrics

Use the official myAadhaar portal to lock biometrics. This can reduce the risk of misuse.

Open myAadhaar →

Real jobs should not ask upfront fees

Task-based earning schemes and Telegram 'investment' groups often start with small payouts, then demand deposits. Treat this as a scam warning.

Always verify helpline numbers

Scammers run ads so fake numbers appear first on Google. Always go directly to the bank's official website or the number on your card.

Share this guide — one share can protect someone you love.

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FAQ

Questions cyber fraud victims ask most.

Straight answers. No jargon.

How do I get my money back after UPI fraud in India?
Call 1930 immediately if money was lost. Early reporting may help your bank or payment channel flag the transaction or request a hold before funds move further. After calling, file your complaint at cybercrime.gov.in as soon as possible, ideally within 24 hours, using your acknowledgement number. Even if time has passed, report anyway — it still creates an official record.
What is the 1930 helpline and does it actually work?
1930 is India's national cybercrime helpline for urgent cyber-fraud reporting. If money was lost, call as early as possible. The helpline can help route urgent financial-fraud reporting, but recovery or account holds are not guaranteed. After calling, file your complaint at cybercrime.gov.in as soon as possible, ideally within 24 hours, to create an official record.
How do I file a cybercrime complaint without going to a police station?
File online at cybercrime.gov.in — India's National Cyber Crime Reporting Portal operated by the Ministry of Home Affairs. No police station visit is needed to start. You will need the date of fraud, amount, transaction ID or UTR, and scammer details if available. Our rescue wizards generate a ready-to-submit FIR draft for you.
What is a digital arrest scam?
Fraudsters impersonate CBI, customs, police, or courier companies on a video call, claiming you are under investigation and must stay on screen and pay to avoid arrest. This is completely fake — no Indian government agency arrests anyone via video call. End the call now, do not pay, screenshot the scammer's number, and report at cybercrime.gov.in.
I shared my Aadhaar number or OTP — what do I do immediately?
Start with three steps: (1) Use the official myAadhaar portal (myaadhaar.uidai.gov.in) to lock Aadhaar biometric authentication, which may reduce misuse risk. (2) File at cybercrime.gov.in and contact UIDAI at help@uidai.gov.in for Aadhaar-related complaints. (3) Check your credit report and bank activity for unauthorised loans or accounts. If an OTP, UPI PIN, or password was shared, change banking credentials immediately.
How long does a cybercrime refund take in India?
There is no fixed timeline. Early reporting may allow faster resolution — sometimes within days to a few weeks. Cases requiring court orders or RBI Ombudsman intervention can take months. Under applicable RBI guidelines, banks have defined complaint-resolution timelines which may extend up to 90 days depending on the case type. Always keep your complaint reference number and follow up in writing with your bank.
My bank is refusing to help after cyber fraud — what are my rights?
Escalate in writing to the bank's fraud or nodal officer and keep your complaint reference numbers. If the issue remains unresolved, you may escalate through the RBI Integrated Ombudsman mechanism (cms.rbi.org.in) where applicable. Under applicable RBI guidelines for unauthorised electronic banking transactions, banks have defined complaint-resolution timelines, which may extend up to 90 days depending on the case type.
Is it too late to report a scam that happened weeks ago?
No — it is never too late to report. Even if weeks or months have passed, a complaint builds the legal record needed for court proceedings, insurance claims, and RBI Ombudsman escalation. It also helps law enforcement track and stop the same fraudsters from targeting others. File at cybercrime.gov.in regardless of when the scam occurred.

Start with the next safe step.

If a scam is active, do not negotiate, do not search random numbers, and do not pay anyone promising recovery. Begin with the rescue check or call 1930.

Start rescue check →