Bank and UPI fraud
Money lost to a UPI, card or bank fraud? Do this now
The first hours matter. Money sent by fraud often sits for a while in the account it went to, and a quick report lets the banks hold it. Speed also decides how much of the loss you bear: tell your bank within three working days of its message and, if you were not at fault, the RBI rules say you bear nothing.
Law checked on 12 November 2026.
- Cyber crime helpline
- 1930
- Report online
- cybercrime.gov.in
- Tell your bank within
- 3 working days
- Bank credits it back within
- 10 working days
- RBI Ombudsman
- After 30 days, within 90
In the first hour
- Call 1930. The national cyber crime helpline. Then file the complaint at cybercrime.gov.in and note its number.
- Call your bank and block the card, UPI or net banking. Use the number on the back of your card, in the bank's app, or the one for your bank below. Ask for a complaint reference number and write it down with the time.
- Keep everything. The bank's SMS or email, the transaction ID (UTR), screenshots of the call log, chat, link or app. Do not delete the messages.
- Change what may have leaked. Your UPI PIN, net banking password and email password. Uninstall any screen sharing or "support" app you were asked to install.
- Watch for a second fraud. Anyone who calls offering to get your money back for a fee is very likely another fraudster. Complaining on 1930, at cybercrime.gov.in, to your bank or to the RBI Ombudsman costs nothing.
Your bank's fraud number
Every number below was read on the bank's own website on 12 November 2026, and we check those pages again every month. Call only a number from here, from the back of your card, or from the bank's app. A real bank never asks for your OTP, PIN or CVV.
Or open your bank in the list:
Public sector banks (12)
Bank of Baroda
Online: Freeze debits on your account online
Email: channelblock@bankofbaroda.bank.in (from the email address the bank has for you)
Read on the bank's own website (bankofbaroda.bank.in, bankofbaroda.bank.in) on 12 Nov 2026. Banks change numbers; the bank's site and your card are the final word.
Call only the number on the back of your card, in your bank's app, or one listed here from the bank's own website. Fake "customer care" numbers in search results and social media are a common way these frauds start, and a real bank never asks for your OTP, PIN or CVV.
Bank of India
- 1800 103 1906 Report a cyber fraud (toll-free)
- 1800 220 088 Block a BOI credit card (toll-free)
Read on the bank's own website (bankofindia.bank.in, bankofindia.bank.in) on 12 Nov 2026. Banks change numbers; the bank's site and your card are the final word.
Call only the number on the back of your card, in your bank's app, or one listed here from the bank's own website. Fake "customer care" numbers in search results and social media are a common way these frauds start, and a real bank never asks for your OTP, PIN or CVV.
Bank of Maharashtra
- 1800 233 4526 Block a card, report cyber fraud (toll-free)
- 1800 102 2636 Same (toll-free)
Read on the bank's own website (bankofmaharashtra.bank.in, bankofmaharashtra.bank.in) on 12 Nov 2026. Banks change numbers; the bank's site and your card are the final word.
Call only the number on the back of your card, in your bank's app, or one listed here from the bank's own website. Fake "customer care" numbers in search results and social media are a common way these frauds start, and a real bank never asks for your OTP, PIN or CVV.
Canara Bank
- 1800 1030 Block a debit or credit card (toll-free, 24x7)
Email: reportfraud@canarabank.com (from the email address the bank has for you)
Read on the bank's own website (canarabank.com) on 12 Nov 2026. Banks change numbers; the bank's site and your card are the final word.
Call only the number on the back of your card, in your bank's app, or one listed here from the bank's own website. Fake "customer care" numbers in search results and social media are a common way these frauds start, and a real bank never asks for your OTP, PIN or CVV.
Central Bank of India
- 1800 3030 Customer call centre (toll-free, 24x7)
Read on the bank's own website (centralbank.bank.in) on 12 Nov 2026. Banks change numbers; the bank's site and your card are the final word.
Call only the number on the back of your card, in your bank's app, or one listed here from the bank's own website. Fake "customer care" numbers in search results and social media are a common way these frauds start, and a real bank never asks for your OTP, PIN or CVV.
Indian Bank
- 1800 1700 Report an unauthorised electronic transaction (toll-free, 24x7)
Email: cfrm@indianbank.bank.in (from the email address the bank has for you)
Read on the bank's own website (indianbank.bank.in, indianbank.bank.in) on 12 Nov 2026. Banks change numbers; the bank's site and your card are the final word.
Call only the number on the back of your card, in your bank's app, or one listed here from the bank's own website. Fake "customer care" numbers in search results and social media are a common way these frauds start, and a real bank never asks for your OTP, PIN or CVV.
Indian Overseas Bank
- 1800 890 4445 Block your card (toll-free)
- 1800 425 4445 Same (toll-free)
Online: Suspend or block a debit card online
Email: cybercell@iob.in (from the email address the bank has for you)
Read on the bank's own website (www.iob.bank.in) on 12 Nov 2026. Banks change numbers; the bank's site and your card are the final word.
Call only the number on the back of your card, in your bank's app, or one listed here from the bank's own website. Fake "customer care" numbers in search results and social media are a common way these frauds start, and a real bank never asks for your OTP, PIN or CVV.
Punjab & Sind Bank
- 1800 419 8300 Call centre; report disputed transactions (toll-free)
- 1800 103 2278 Block (hot-list) a card
Read on the bank's own website (punjabandsind.bank.in, punjabandsind.bank.in) on 12 Nov 2026. Banks change numbers; the bank's site and your card are the final word.
Call only the number on the back of your card, in your bank's app, or one listed here from the bank's own website. Fake "customer care" numbers in search results and social media are a common way these frauds start, and a real bank never asks for your OTP, PIN or CVV.
Punjab National Bank
- 1800 1800 Customer care (toll-free)
- 1800 2021 Customer care (toll-free)
- 1800 180 2345 PNB credit card: suspected fraud, 24 hours
Email: care@pnb.co.in (from the email address the bank has for you)
Read on the bank's own website (pnb.bank.in, pnbcard.in) on 12 Nov 2026. Banks change numbers; the bank's site and your card are the final word.
Call only the number on the back of your card, in your bank's app, or one listed here from the bank's own website. Fake "customer care" numbers in search results and social media are a common way these frauds start, and a real bank never asks for your OTP, PIN or CVV.
State Bank of India
- 1800 11 1109 Report an unauthorised transaction (toll-free)
- 94491 12211 Same, mobile number (toll-free)
- 080 2659 9990 Same, paid number
SMS: Send BLOCK and the last 4 digits of your card to 567676 from your registered mobile to block a debit card.
Read on the bank's own website (sbi.bank.in, www.sbi.co.in) on 12 Nov 2026. Banks change numbers; the bank's site and your card are the final word.
Call only the number on the back of your card, in your bank's app, or one listed here from the bank's own website. Fake "customer care" numbers in search results and social media are a common way these frauds start, and a real bank never asks for your OTP, PIN or CVV.
UCO Bank
- 1800 103 0123 Customer care (toll-free)
Read on the bank's own website (ucobank.com) on 12 Nov 2026. Banks change numbers; the bank's site and your card are the final word.
Call only the number on the back of your card, in your bank's app, or one listed here from the bank's own website. Fake "customer care" numbers in search results and social media are a common way these frauds start, and a real bank never asks for your OTP, PIN or CVV.
Union Bank of India
- 1800 8332 Dedicated helpline for fraud or disputed transactions
Online: Report an unauthorised transaction online
Read on the bank's own website (www.unionbankofindia.bank.in) on 12 Nov 2026. Banks change numbers; the bank's site and your card are the final word.
Call only the number on the back of your card, in your bank's app, or one listed here from the bank's own website. Fake "customer care" numbers in search results and social media are a common way these frauds start, and a real bank never asks for your OTP, PIN or CVV.
Private banks (21)
Axis Bank
- 1800 103 5577 Phone banking (toll-free)
- 1860 419 5555 Phone banking (local call charges)
- 1860 500 5555 Phone banking (local call charges)
Online: Report a fraud (Support, Report a Fraud)
Read on the bank's own website (www.axis.bank.in, www.axis.bank.in) on 12 Nov 2026. Banks change numbers; the bank's site and your card are the final word.
Call only the number on the back of your card, in your bank's app, or one listed here from the bank's own website. Fake "customer care" numbers in search results and social media are a common way these frauds start, and a real bank never asks for your OTP, PIN or CVV.
Bandhan Bank
- 1800 258 8181 Customer care (toll-free)
- 033 6633 3333 Same, from India and abroad
Read on the bank's own website (bandhan.bank.in) on 12 Nov 2026. Banks change numbers; the bank's site and your card are the final word.
Call only the number on the back of your card, in your bank's app, or one listed here from the bank's own website. Fake "customer care" numbers in search results and social media are a common way these frauds start, and a real bank never asks for your OTP, PIN or CVV.
City Union Bank
- 1800 120 5000 Customer care (toll-free, 24x7); block a card
Email: customercare@cityunionbank.in (from the email address the bank has for you)
Read on the bank's own website (www.cityunionbank.bank.in) on 12 Nov 2026. Banks change numbers; the bank's site and your card are the final word.
Call only the number on the back of your card, in your bank's app, or one listed here from the bank's own website. Fake "customer care" numbers in search results and social media are a common way these frauds start, and a real bank never asks for your OTP, PIN or CVV.
CSB Bank
- 1800 266 9090 Customer care (toll-free)
Read on the bank's own website (www.csb.bank.in) on 12 Nov 2026. Banks change numbers; the bank's site and your card are the final word.
Call only the number on the back of your card, in your bank's app, or one listed here from the bank's own website. Fake "customer care" numbers in search results and social media are a common way these frauds start, and a real bank never asks for your OTP, PIN or CVV.
DCB Bank
- 022 6899 7777 Customer care (the page gives 8am to 8pm)
- 040 6815 7777 Same
The bank's page lists card blocking and fraud reporting as 24x7 emergency services but gives no separate number for them.
Read on the bank's own website (dcb.bank.in) on 12 Nov 2026. Banks change numbers; the bank's site and your card are the final word.
Call only the number on the back of your card, in your bank's app, or one listed here from the bank's own website. Fake "customer care" numbers in search results and social media are a common way these frauds start, and a real bank never asks for your OTP, PIN or CVV.
Dhanlaxmi Bank
- 1800 425 1747 Customer care centre, 24/7
- 044 4241 3000 Same
Email: support@dhanbank.co.in (from the email address the bank has for you)
Read on the bank's own website (www.dhan.bank.in) on 12 Nov 2026. Banks change numbers; the bank's site and your card are the final word.
Call only the number on the back of your card, in your bank's app, or one listed here from the bank's own website. Fake "customer care" numbers in search results and social media are a common way these frauds start, and a real bank never asks for your OTP, PIN or CVV.
Federal Bank
- 1800 425 1199 Contact centre (toll-free)
- 1800 420 1199 Same
SMS: Send NO, a space and the last 4 digits of your account number to 9895088888; the bank calls you back.
Online: Report an unauthorised transaction
Email: ehelp@federalbank.co.in (from the email address the bank has for you)
Read on the bank's own website (www.federal.bank.in, www.federal.bank.in) on 12 Nov 2026. Banks change numbers; the bank's site and your card are the final word.
Call only the number on the back of your card, in your bank's app, or one listed here from the bank's own website. Fake "customer care" numbers in search results and social media are a common way these frauds start, and a real bank never asks for your OTP, PIN or CVV.
HDFC Bank
- 1800 258 6161 Report a card, NetBanking or UPI transaction you did not make
- 1800 1600 Fraud helpline (across India)
- 1800 2600 Same
Online: Report an unauthorised transaction
Read on the bank's own website (www.hdfc.bank.in, v.hdfc.bank.in) on 12 Nov 2026. Banks change numbers; the bank's site and your card are the final word.
Call only the number on the back of your card, in your bank's app, or one listed here from the bank's own website. Fake "customer care" numbers in search results and social media are a common way these frauds start, and a real bank never asks for your OTP, PIN or CVV.
ICICI Bank
- 1800 2662 Report a fraud
App: iMobile: Accounts, select the account, More options, Report a Fraud.
Online: Report a fraud
Read on the bank's own website (www.icici.bank.in) on 12 Nov 2026. Banks change numbers; the bank's site and your card are the final word.
Call only the number on the back of your card, in your bank's app, or one listed here from the bank's own website. Fake "customer care" numbers in search results and social media are a common way these frauds start, and a real bank never asks for your OTP, PIN or CVV.
IDBI Bank
- 1800 209 4324 Phone banking (toll-free, 24x7)
- 1800 22 1070 Same
- 1800 22 6999 Block a debit card
Read on the bank's own website (www.idbi.bank.in) on 12 Nov 2026. Banks change numbers; the bank's site and your card are the final word.
Call only the number on the back of your card, in your bank's app, or one listed here from the bank's own website. Fake "customer care" numbers in search results and social media are a common way these frauds start, and a real bank never asks for your OTP, PIN or CVV.
IDFC FIRST Bank
- 1800 10 888 Report an unauthorised transaction
Online: Report an unauthorised transaction
Read on the bank's own website (www.idfcfirst.bank.in) on 12 Nov 2026. Banks change numbers; the bank's site and your card are the final word.
Call only the number on the back of your card, in your bank's app, or one listed here from the bank's own website. Fake "customer care" numbers in search results and social media are a common way these frauds start, and a real bank never asks for your OTP, PIN or CVV.
IndusInd Bank
- 1860 267 7777 Phone banking: a debit card, NetBanking or mobile banking transaction you did not make (local call charges)
Online: Report it online
Read on the bank's own website (www.indusind.bank.in) on 12 Nov 2026. Banks change numbers; the bank's site and your card are the final word.
Call only the number on the back of your card, in your bank's app, or one listed here from the bank's own website. Fake "customer care" numbers in search results and social media are a common way these frauds start, and a real bank never asks for your OTP, PIN or CVV.
J&K Bank
- 1800 890 2122 Contact centre: report a fraud or a lost card (toll-free)
Read on the bank's own website (jkbank.com) on 12 Nov 2026. Banks change numbers; the bank's site and your card are the final word.
Call only the number on the back of your card, in your bank's app, or one listed here from the bank's own website. Fake "customer care" numbers in search results and social media are a common way these frauds start, and a real bank never asks for your OTP, PIN or CVV.
Karnataka Bank
- 1800 425 1444 Block a debit card (toll-free)
- 1800 572 8031 Contact centre (toll-free)
Read on the bank's own website (karnatakabank.com) on 12 Nov 2026. Banks change numbers; the bank's site and your card are the final word.
Call only the number on the back of your card, in your bank's app, or one listed here from the bank's own website. Fake "customer care" numbers in search results and social media are a common way these frauds start, and a real bank never asks for your OTP, PIN or CVV.
Karur Vysya Bank
- 1800 572 1916 Report an unauthorised or suspicious transaction, or a lost card (toll-free)
Read on the bank's own website (www.kvb.bank.in, www.kvb.bank.in) on 12 Nov 2026. Banks change numbers; the bank's site and your card are the final word.
Call only the number on the back of your card, in your bank's app, or one listed here from the bank's own website. Fake "customer care" numbers in search results and social media are a common way these frauds start, and a real bank never asks for your OTP, PIN or CVV.
Kotak Mahindra Bank
- 1800 4100 Banking needs, complaints and resolution (toll-free)
The same page has a "Report a Fraud" form.
Read on the bank's own website (www.kotak.bank.in) on 12 Nov 2026. Banks change numbers; the bank's site and your card are the final word.
Call only the number on the back of your card, in your bank's app, or one listed here from the bank's own website. Fake "customer care" numbers in search results and social media are a common way these frauds start, and a real bank never asks for your OTP, PIN or CVV.
Nainital Bank
- 1800 180 4031 ATM, unauthorised or fraudulent transactions (24x7)
Read on the bank's own website (nainitalbank.bank.in) on 12 Nov 2026. Banks change numbers; the bank's site and your card are the final word.
Call only the number on the back of your card, in your bank's app, or one listed here from the bank's own website. Fake "customer care" numbers in search results and social media are a common way these frauds start, and a real bank never asks for your OTP, PIN or CVV.
RBL Bank
- 022 6232 7777 Customer care, 24x7 (paid number)
Email: reportfraud@rbl.bank.in (from the email address the bank has for you)
Read on the bank's own website (www.rbl.bank.in, www.rbl.bank.in) on 12 Nov 2026. Banks change numbers; the bank's site and your card are the final word.
Call only the number on the back of your card, in your bank's app, or one listed here from the bank's own website. Fake "customer care" numbers in search results and social media are a common way these frauds start, and a real bank never asks for your OTP, PIN or CVV.
South Indian Bank
Use the number printed on the back of your card or the fraud option in the bank's app.
The bank's own page on reporting a fraud gives no phone number: it asks for a written report at the branch, in the bank's format.
Online: How the bank asks you to report it
Read on the bank's own website (southindianbank.bank.in) on 12 Nov 2026. Banks change numbers; the bank's site and your card are the final word.
Call only the number on the back of your card, in your bank's app, or one listed here from the bank's own website. Fake "customer care" numbers in search results and social media are a common way these frauds start, and a real bank never asks for your OTP, PIN or CVV.
Tamilnad Mercantile Bank
- 044 6929 7034 Fraud queries
- 044 2622 3106 Block a lost or misused card
- 1800 425 0426 Customer care (toll-free)
Email: frm@tmbank.in (from the email address the bank has for you)
Read on the bank's own website (www.tmb.bank.in) on 12 Nov 2026. Banks change numbers; the bank's site and your card are the final word.
Call only the number on the back of your card, in your bank's app, or one listed here from the bank's own website. Fake "customer care" numbers in search results and social media are a common way these frauds start, and a real bank never asks for your OTP, PIN or CVV.
YES Bank
- 1800 1200 Customer care (toll-free)
- 1800 103 1212 YES Bank credit cards (toll-free)
Online: Complaint form: choose "Reporting of unauthorized transaction"
Read on the bank's own website (yesorigins.yes.bank.in) on 12 Nov 2026. Banks change numbers; the bank's site and your card are the final word.
Call only the number on the back of your card, in your bank's app, or one listed here from the bank's own website. Fake "customer care" numbers in search results and social media are a common way these frauds start, and a real bank never asks for your OTP, PIN or CVV.
Small finance banks (11)
AU Small Finance Bank
- 1800 1200 1200 Report a transaction you did not make (toll-free)
- 1800 26 66677 Same
- 1800 1200 1500 AU credit cards: dial 0
Online: Report it online
Read on the bank's own website (www.au.bank.in) on 12 Nov 2026. Banks change numbers; the bank's site and your card are the final word.
Call only the number on the back of your card, in your bank's app, or one listed here from the bank's own website. Fake "customer care" numbers in search results and social media are a common way these frauds start, and a real bank never asks for your OTP, PIN or CVV.
Capital Small Finance Bank
- 1800 120 1600 Report a transaction you did not make
Online: Report it online
Read on the bank's own website (www.capital.bank.in) on 12 Nov 2026. Banks change numbers; the bank's site and your card are the final word.
Call only the number on the back of your card, in your bank's app, or one listed here from the bank's own website. Fake "customer care" numbers in search results and social media are a common way these frauds start, and a real bank never asks for your OTP, PIN or CVV.
Equitas Small Finance Bank
- 1800 103 1222 Customer care (toll-free)
Online: Report an unauthorised transaction
Read on the bank's own website (equitas.bank.in) on 12 Nov 2026. Banks change numbers; the bank's site and your card are the final word.
Call only the number on the back of your card, in your bank's app, or one listed here from the bank's own website. Fake "customer care" numbers in search results and social media are a common way these frauds start, and a real bank never asks for your OTP, PIN or CVV.
ESAF Small Finance Bank
- 1800 103 3723 Customer care (toll-free)
Read on the bank's own website (www.esaf.bank.in) on 12 Nov 2026. Banks change numbers; the bank's site and your card are the final word.
Call only the number on the back of your card, in your bank's app, or one listed here from the bank's own website. Fake "customer care" numbers in search results and social media are a common way these frauds start, and a real bank never asks for your OTP, PIN or CVV.
Jana Small Finance Bank
Online: Report a fraud
Read on the bank's own website (www.jana.bank.in) on 12 Nov 2026. Banks change numbers; the bank's site and your card are the final word.
Call only the number on the back of your card, in your bank's app, or one listed here from the bank's own website. Fake "customer care" numbers in search results and social media are a common way these frauds start, and a real bank never asks for your OTP, PIN or CVV.
Shivalik Small Finance Bank
- 1800 202 5333 Report an unauthorised transaction (toll-free, 24x7)
Online: Report it online
Read on the bank's own website (shivalik.bank.in) on 12 Nov 2026. Banks change numbers; the bank's site and your card are the final word.
Call only the number on the back of your card, in your bank's app, or one listed here from the bank's own website. Fake "customer care" numbers in search results and social media are a common way these frauds start, and a real bank never asks for your OTP, PIN or CVV.
slice Small Finance Bank (was North East SFB)
Use the number printed on the back of your card or the fraud option in the bank's app.
We could not read a fraud number on the bank's own site.
Call only the number on the back of your card, in your bank's app, or one listed here from the bank's own website. Fake "customer care" numbers in search results and social media are a common way these frauds start, and a real bank never asks for your OTP, PIN or CVV.
Suryoday Small Finance Bank
- 1800 266 7711 Report an unauthorised transaction
Email: smile@suryodaybank.com (from the email address the bank has for you)
Read on the bank's own website (suryoday.bank.in) on 12 Nov 2026. Banks change numbers; the bank's site and your card are the final word.
Call only the number on the back of your card, in your bank's app, or one listed here from the bank's own website. Fake "customer care" numbers in search results and social media are a common way these frauds start, and a real bank never asks for your OTP, PIN or CVV.
Ujjivan Small Finance Bank
- 1800 208 2121 Lost card or unauthorised transaction (toll-free)
Read on the bank's own website (www.ujjivansfb.bank.in) on 12 Nov 2026. Banks change numbers; the bank's site and your card are the final word.
Call only the number on the back of your card, in your bank's app, or one listed here from the bank's own website. Fake "customer care" numbers in search results and social media are a common way these frauds start, and a real bank never asks for your OTP, PIN or CVV.
Unity Small Finance Bank
Use the number printed on the back of your card or the fraud option in the bank's app.
We could not read a fraud number on the bank's own site.
Call only the number on the back of your card, in your bank's app, or one listed here from the bank's own website. Fake "customer care" numbers in search results and social media are a common way these frauds start, and a real bank never asks for your OTP, PIN or CVV.
Utkarsh Small Finance Bank
- 1800 123 9878 Customer care (toll-free)
Read on the bank's own website (www.utkarsh.bank.in) on 12 Nov 2026. Banks change numbers; the bank's site and your card are the final word.
Call only the number on the back of your card, in your bank's app, or one listed here from the bank's own website. Fake "customer care" numbers in search results and social media are a common way these frauds start, and a real bank never asks for your OTP, PIN or CVV.
Payments banks (5)
Airtel Payments Bank
- 1800 203 3330 Report a fraud
Online: Report a fraud online
Email: fraud.reporting@airtelbank.com (from the email address the bank has for you)
Read on the bank's own website (www.airtel.in) on 12 Nov 2026. Banks change numbers; the bank's site and your card are the final word.
Call only the number on the back of your card, in your bank's app, or one listed here from the bank's own website. Fake "customer care" numbers in search results and social media are a common way these frauds start, and a real bank never asks for your OTP, PIN or CVV.
Fino Payments Bank
Use the number printed on the back of your card or the fraud option in the bank's app.
We could not read a fraud number on the bank's own site.
Call only the number on the back of your card, in your bank's app, or one listed here from the bank's own website. Fake "customer care" numbers in search results and social media are a common way these frauds start, and a real bank never asks for your OTP, PIN or CVV.
India Post Payments Bank
- 1800 8899 860 Report an unauthorised transaction (toll-free)
- 155299 Same
- 033 2202 9000 Same
Read on the bank's own website (ippbonline.bank.in) on 12 Nov 2026. Banks change numbers; the bank's site and your card are the final word.
Call only the number on the back of your card, in your bank's app, or one listed here from the bank's own website. Fake "customer care" numbers in search results and social media are a common way these frauds start, and a real bank never asks for your OTP, PIN or CVV.
Jio Payments Bank
- 1800 890 7070 Customer care (toll-free)
Email: we.care@jiopayments.bank.in (from the email address the bank has for you)
Read on the bank's own website (www.jiopayments.bank.in) on 12 Nov 2026. Banks change numbers; the bank's site and your card are the final word.
Call only the number on the back of your card, in your bank's app, or one listed here from the bank's own website. Fake "customer care" numbers in search results and social media are a common way these frauds start, and a real bank never asks for your OTP, PIN or CVV.
NSDL Payments Bank
- 022 4202 2100 Report an unauthorised transaction
- 022 6978 7301 Same
Online: Report it online
Read on the bank's own website (www.nsdlpayments.bank.in) on 12 Nov 2026. Banks change numbers; the bank's site and your card are the final word.
Call only the number on the back of your card, in your bank's app, or one listed here from the bank's own website. Fake "customer care" numbers in search results and social media are a common way these frauds start, and a real bank never asks for your OTP, PIN or CVV.
Foreign banks in India (1)
Deutsche Bank (India)
- 1800 123 6601 Report a fraud (toll-free, from your registered mobile)
Email: report.fraud@list.db.com (from the email address the bank has for you)
Read on the bank's own website (www.deutsche.bank.in, www.deutsche.bank.in) on 12 Nov 2026. Banks change numbers; the bank's site and your card are the final word.
Call only the number on the back of your card, in your bank's app, or one listed here from the bank's own website. Fake "customer care" numbers in search results and social media are a common way these frauds start, and a real bank never asks for your OTP, PIN or CVV.
My bank is not in this list
Use the number printed on the back of your debit or credit card, or the fraud option in your bank's app. Most Indian banks' own websites now end in .bank.in. For a regional rural bank or a co-operative bank, go to your branch or use the number on your passbook.
Call only the number on the back of your card, in your bank's app, or one listed here from the bank's own website. Fake "customer care" numbers in search results and social media are a common way these frauds start, and a real bank never asks for your OTP, PIN or CVV.
How much of the loss is yours
The RBI's circular of 6 July 2017 on unauthorised electronic banking transactions decides this. It turns on whose fault it was and how fast you told the bank. Days are working days, counted from the day you received the bank's message about the transaction.
| What happened | What you bear | Law |
|---|---|---|
| The bank, or its staff or systems, were at fault | Nothing, whether or not you reported it | RBI circular, 6 July 2017 |
| Neither you nor the bank was at fault (the breach was elsewhere) and you told the bank within 3 working days | Nothing | RBI circular, 6 July 2017 |
| Same, and you told the bank in 4 to 7 working days | The transaction amount or the limit below, whichever is lower | RBI circular, 6 July 2017, Table 1 |
| Same, and you told the bank after 7 working days | As the bank's own Board-approved policy says | RBI circular, 6 July 2017 |
| You shared an OTP, PIN, password or card details | The whole loss until you report it. Any loss after you report it is the bank's | RBI circular, 6 July 2017 |
- Rs 5,000: basic savings bank deposit (BSBD) accounts.
- Rs 10,000: other savings accounts, prepaid instruments and gift cards, current, cash credit and overdraft accounts of MSMEs and of individuals with a balance or limit up to Rs 25 lakh, and credit cards with a limit up to Rs 5 lakh.
- Rs 25,000: other current, cash credit and overdraft accounts, and credit cards with a limit above Rs 5 lakh.
The bank must credit the disputed amount to your account within 10 working days of your report, while it looks into it, and must settle the complaint within 90 days. If the bank says you were careless, it has to prove it: the circular puts that burden on the bank.
If the bank does not put it right
Complain in writing to the bank first and keep the reference. If it does not reply within 30 days, or you do not accept its reply, complain to the RBI Ombudsman at cms.rbi.org.in within 90 days of the later of the two.
This is the Reserve Bank - Integrated Ombudsman Scheme, 2026, in force from 1 July 2026 (it replaced the 2021 Scheme, which had a one year limit). There is no limit on the amount in dispute. The Ombudsman can award up to Rs 30 lakh for the loss that followed and up to Rs 3 lakh for your time, expense and harassment. The RBI's toll-free line 14448 gives information and the status of a complaint, round the clock; it does not take complaints.
You can also go to the consumer commission, since banking is a service. Choose one: the Ombudsman does not take a dispute that is already before a court or consumer commission.
The police complaint
Your 1930 or cybercrime.gov.in complaint goes to the police. If they ask you to file an FIR, you can do it at any police station, whichever area the fraud happened in: Section 173(1) of the Bharatiya Nagarik Suraksha Sanhita, 2023 (the "Zero FIR"). Take your complaint number, the bank's reference and the screenshots.
Keep a file on this
On LegalFirms.in you can keep a private file of what happened: the bank you used, its reference number, the dates and your papers, each entry with the time it was added. It works out the date to tell your bank by, reminds you before the Ombudsman dates, and you can share the file with an advocate in one click when you hire one (they accept it first). It is free.
Lost a large amount, or the bank says it is your fault? An advocate can help with the police complaint, the bank and the RBI Ombudsman, or a consumer case. Sending an enquiry is free and goes to advocates who handle this kind of matter.
Questions people ask
I shared the OTP. Can I still get my money back?
Report it at once anyway. Under the RBI circular a loss caused by sharing payment details is yours until you tell the bank; anything taken after you report it is the bank's. The police may still trace and hold the money, so call 1930 straight away.
What does 1930 do?
It is the national cyber crime helpline. Your report reaches the police and the banks the money went to, so they can try to hold it before it moves again. The sooner you call, the better the chance.
What counts as a working day?
The working days of your home branch, not counting the day you received the bank's message. That is why the safe course is to tell the bank the same day.
The bank says the transaction was mine. What now?
The RBI circular puts the burden of proving that you were at fault on the bank. Ask for its reasons in writing. If you do not accept them, complain to the RBI Ombudsman within 90 days.
Why should I not search for the bank's customer care number?
Fake "customer care" numbers in search results, ads and social media are one of the most common ways these frauds begin. Use the number on your card, in the bank's app, or one on this page, which was read on the bank's own website.
Is there a time limit for the RBI Ombudsman?
Yes, since 1 July 2026: 90 days from the end of the bank's 30 days, or from the bank's last reply if that is later.
- RBI circular, 6 July 2017: Limiting Liability of Customers in Unauthorised Electronic Banking Transactions
- RBI: Frequently asked questions on the Reserve Bank - Integrated Ombudsman Scheme, 2026
- RBI Complaint Management System
- National Cyber Crime Reporting Portal
- Bharatiya Nagarik Suraksha Sanhita, 2023, section 173
- Each bank's own page, linked under its name above
General information on Indian law, not legal advice for your situation. Time limits and procedure can turn on facts and on State law; an advocate can tell you how they apply to you.