Golden Hour Matters Most

Paisa chala gaya? Ghabraiye mat — agle 60 minute crucial hain.

5 simple steps. Hindi + English templates. Pehla phone aaj abhi karein.

Right Now, Call

1930

Step 1 • 0–10 minutes

Call 1930 (National Cyber Crime Helpline)

Yeh sabse zaroori step hai. Pehle 60 minutes ko 'Golden Hour' kehte hain — is samay paisa freeze hone ke chances sabse zyaada hain.

Call 1930 (toll-free, 24/7)
Apna naam, mobile number aur transaction details bataein
Complaint ID note kar lein — yeh future mein chahiye hogi

Step 2 • 10–30 minutes

Apne Bank ko inform karein

Bank ko turant call karein aur transaction dispute file karein. Account temporarily freeze karwa sakte hain.

Bank ki official helpline (debit card ke peeche likhi hoti hai) par call karein
Transaction reference number aur time bataein
Email karein with subject: 'URGENT: Unauthorized UPI Transaction'
Written acknowledgement maangein — yeh proof hai

Step 3 • Within 24 hours

Cybercrime portal par complaint file karein

cybercrime.gov.in par jaakar online complaint register karein. Yeh official record banata hai.

cybercrime.gov.in kholein
'Report Other Cyber Crime' chunein
Saari details aur screenshots upload karein
Acknowledgement number save karein

Step 4 • Within 3 days

Local Police mein FIR file karein (zaroori cases mein)

Agar amount badi hai (₹10,000+) ya bank cooperate nahi kar raha to FIR file karein. Zero FIR aap kahin bhi file kar sakte hain.

Nazdiki police station jaayein with all proofs
Cybercrime complaint number, bank reference, screenshots saath le jaayein
FIR ki copy zaroor lein (free hoti hai)
Bank ko FIR ki copy email karein

Step 5 • Within 30 days

RBI Banking Ombudsman se shikayat

Agar bank 30 din mein action nahi leta, to RBI Ombudsman ke pass jayein. Yeh free aur effective hai.

cms.rbi.org.in par jaayein
Bank ka written response saath rakhein
Online complaint file karein
Average resolution time: 30–60 days

Ready-to-Use Templates

Copy karein, apni details bharein, bhej dein

Bank Email Template

Apne bank ko bhejne ke liye — copy karein, apni details bharein, bhej dein.

Subject: URGENT — Unauthorized UPI Transaction (Account: XXXX1234)

Dear Sir/Madam,

I am writing to report an unauthorized UPI transaction on my account.

Account Holder: [Aapka Naam]
Account Number: XXXX1234
Mobile (registered): +91 XXXXX XXXXX
Transaction Date & Time: [DD/MM/YYYY HH:MM]
Transaction Amount: ₹[Amount]
UPI Reference / RRN: [Reference Number]
Beneficiary VPA / Number: [If known]

I did not authorize this transaction. I request you to:
1. Immediately reverse / hold this transaction
2. Block any further outgoing UPI requests on my account
3. Provide a written acknowledgement of this complaint

I have already filed a complaint with the National Cyber Crime Helpline 1930
(Acknowledgement No: [Number]) and on cybercrime.gov.in.

Please treat this as urgent.

Regards,
[Aapka Naam]
[Contact Number]

FIR / Police Complaint Draft

Police station mein le jaayein. Zero-FIR rights ke baare mein puchein.

To,
The Officer-in-Charge,
[Police Station Name]
[City], [State]

Subject: Complaint regarding Cyber Fraud / Unauthorized UPI Transaction

Respected Sir/Madam,

I, [Aapka Naam], aged [age], resident of [pata], hereby submit that on
[date] at approximately [time], an unauthorized UPI transaction of
₹[amount] was carried out from my bank account [XXXX1234] with [Bank Name].

Brief facts:
[Likhein kya hua — call aaya, link click kiya, screen share kiya, etc.]

I have:
- Reported to 1930 helpline (Acknowledgement No: [Number])
- Filed a complaint at cybercrime.gov.in (Ack No: [Number])
- Informed [Bank Name] in writing on [date]

I request you to register an FIR under relevant sections of the IT Act and
IPC, and initiate investigation to recover the defrauded amount.

Enclosed: Bank statement, screenshots, complaint acknowledgements.

Yours faithfully,
[Aapka Naam]
[Date]
[Signature]

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