1. Call 1930 immediately
1930 is the national cyber fraud helpline. The sooner you call after the money leaves, the higher the chance of freezing it before it is withdrawn — treat the first hour as golden.
2. Report on cybercrime.gov.in
File the complaint on the National Cybercrime Reporting Portal with transaction IDs, amounts, dates and the fraudster's number/UPI ID. Save the acknowledgement number — every later step quotes it.
3. Inform your bank the same day
Report the unauthorised transaction to your bank/UPI app and ask for written acknowledgement. Under RBI's customer-liability rules, prompt reporting sharply limits what you can lose — delay increases your liability.
4. Preserve every piece of evidence
Screenshots of messages, call logs, payment screens, emails. Do not delete the chat in anger — it is your case file.
5. File a complaint at the police station / cyber cell
For significant amounts, follow up the online report with a written complaint locally. Carry the 1930/portal acknowledgement and evidence.
6. Escalate if the bank drags its feet
If a legitimate reversal claim stalls, escalate through the bank's grievance officer and then the RBI Banking Ombudsman (cms.rbi.org.in) — free and online.