Speed matters more than anything else after an online fraud. Defrauded money is usually moved through several accounts within hours, and it can only be held while it is still in an account. These steps are listed in the order they should be done.
- Call 1930 (National Cyber Crime Helpline) or file a complaint at cybercrime.gov.in under “Financial Fraud”. Write down the acknowledgement number.
- Inform your bank through its official helpline and in writing. Ask it to block the card, UPI ID or net banking used, and keep the complaint reference.
- Change passwords for email, banking and the phone’s app store from a different, safe device. Remove any screen-sharing or remote-access app the fraudster asked you to install.
- Save the evidence: screenshots of chats, websites, apps, UPI IDs, phone numbers and every transaction, with dates and times visible.
- Do not pay again. Fraudsters often ask for “tax”, “release fees” or “verification charges” to return money. Unsolicited “recovery agents” are a second scam.
- Visit the cyber police station with your documents to follow up the complaint and, where needed, register an FIR.
Frequently asked questions
Is 1930 the same as 112?
No. 112 is the general emergency number. 1930 is the helpline for reporting cyber financial fraud so that funds can be put on hold quickly.
What if I report after a few days?
Report anyway. Funds may still be traceable, and a complaint is needed for any later legal remedy.