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Bank Fraud Help · Asia

India: How to Report Bank Fraud

If money left your account without your permission, or you were tricked into sending it, contact your bank or payment provider straight away. The faster they hear from you, the better the chance of stopping or recovering the money. Below are the official fraud and card lines for 23 providers in India.

Do this first

  1. Call your bank’s fraud or card line now. Use a number from this page, the back of your card, or your bank’s official app. Never use a number from a text, an email, a caller or a search ad.
  2. Block your card or freeze your account in the app if you can, and change your online banking password.
  3. Ask the bank for a reference number, and write down the time you reported it.
  4. Report it to the police as well: see who handles cybercrime in India.
  5. Keep everything: messages, call logs, screenshots and transaction IDs. Your bank will never ask for your PIN, password or a one-time code.

Know this about India

  • Report to your bank and to 1930 straight away: the sooner the bank knows, the better the chance it can put the money on hold before it is moved on.
  • Union Bank of India shows conflicting helpline numbers on its own website, so we do not list one: use the number on the back of your card, or call 1930.
  • Canara Bank's fraud team calls customers from 1600 108 090; you cannot call that number back. HDFC Bank says it never calls customers from 1800 1600 or 1800 2600.

Bank and payment fraud lines

State Bank of India (SBI)

Bank
  • Report an unauthorised transaction (toll-free):1800 11 1109
  • Report an unauthorised transaction (toll-free mobile number):94491 12211
  • Customer care (toll-free; press 0 to block ATM card, Internet Banking or UPI):1800 1234(24/7)
  • Customer care (toll-free):1800 2100(24/7)
  • Report an unauthorised transaction (charges apply):080 2659 9990
  • From abroad (charges apply):+91 80 2659 9990

Report phishing: report.phishing@sbi.co.in

Full guide: report State Bank of India fraud Source: State Bank of India (SBI) official page

HDFC Bank

Bank
  • Report an unauthorised card, NetBanking or UPI transaction:1800 258 6161
  • Customer care (toll-free):1800 1600(IVR 24/7; agents 8am–8pm)
  • Customer care (toll-free):1800 2600(IVR 24/7; agents 8am–8pm)
  • From abroad:+91 22 6160 6160(IVR 24/7; agents 8am–8pm)

App or online: NetBanking: Cards › Request › Debit Card or Credit Card hotlisting. You can also raise a dispute online through the bank's Online Dispute Resolution Portal within 60 days.

Report phishing: report.phishingsite@hdfc.bank.in

Full guide: report HDFC Bank fraud Source: HDFC Bank official page

ICICI Bank

Bank

App or online: iMobile: Accounts & FD / RD › select account › More Options › Report a Fraud. Tap the Smart Lock icon in iMobile to temporarily block iMobile, Internet Banking, UPI and debit cards.

Report phishing: antiphishing@icicibank.com

Full guide: report ICICI Bank fraud Source: ICICI Bank official page

Axis Bank

Bank

App or online: Axis Mobile app: Menu › Services & Support › Debit Cards (or Credit Cards) › Block & Replace.

Report phishing: report.phishing@axis.bank.in

Full guide: report Axis Bank fraud Source: Axis Bank official page

Kotak Mahindra Bank

Bank

App or online: Report a fraud online: https://kapps.kotak.bank.in/FraudPreLogin

Report phishing: itsecurity.bank@kotak.com

Full guide: report Kotak Mahindra Bank fraud Source: Kotak Mahindra Bank official page

Punjab National Bank (PNB)

Bank

Report phishing: incident@pnb.bank.in, cybercrimecell@pnb.bank.in

Full guide: report Punjab National Bank fraud Source: Punjab National Bank (PNB) official page

Bank of Baroda

Bank
  • Fraud, unauthorised transaction or lost card (toll-free, press 1):1800 5700(24/7)
  • Fraud, unauthorised transaction or lost card (toll-free, press 1):1800 5000(24/7)
  • From abroad (Indian resident customers):+91 79 6629 6009(24/7)
  • From abroad (NRI customers):+91 79 6629 6629(24/7)

App or online: Block or freeze your debit card yourself at https://appstackweb.bankofbaroda.bank.in/debitfreeze/, or in the bob World app: More › Debit card block/hotlist.

Report phishing: barodaconnect@bankofbaroda.bank.in

Full guide: report Bank of Baroda fraud Source: Bank of Baroda official page

Canara Bank

Bank

App or online: Block a debit or credit card by SMS: send SUSPECT to 56161. Or in Net Banking: Cards › Manage Debit Cards › Block cards.

Full guide: report Canara Bank fraud Source: Canara Bank official page

IndusInd Bank

Bank

App or online: IndusMobile app: Debit Cards › Block Card. To block a credit card by SMS, send BLOCK followed by the card's last 4 digits to 5676757.

Report phishing: report.phishing@indusind.com

Full guide: report IndusInd Bank fraud Source: IndusInd Bank official page

Yes Bank

Bank

App or online: NetBanking: mySpace › Debit Cards › Hot List Debit Cards, or Credit Card tab › Block Lost/Stolen Card.

Report phishing: yestouch@yes.bank.in, cybercell@yesbank.in

Full guide: report Yes Bank fraud Source: Yes Bank official page

IDFC FIRST Bank

Bank
Full guide: report IDFC FIRST Bank fraud Source: IDFC FIRST Bank official page

Google Pay

Wallet
  • Google Pay support (toll-free; Hindi, English, Tamil, Telugu, Kannada; does not connect from outside India):1-800-419-0157

App or online: Report the payment to your bank first. Then in the app: profile picture > Get help > Contact Support > Call or Chat (chat 8 AM to 12 AM IST). For a specific payment: transaction history > select the transaction > Having Issues?. Report a suspicious user: open the user's profile > More > Report user. Fraud report form: https://support.google.com/pay/india/contact/report_activity

Source: Google Pay official page

PhonePe

Wallet

App or online: In the app: open History, select the transaction and tap Contact PhonePe Support, or tap the (?) icon on the home screen and pick the topic. To report fraud: Help > Account security issue > Report Fraudulent activity (phon.pe/help); not registered on PhonePe: support.phonepe.com. Escalation: grievance.phonepe.com (Level 2, if unresolved in 15 days), then the Nodal Officer webform grievance.phonepe.com/nodal-officer (Level 3, after 7 business days), then the RBI Ombudsman (PhonePe wallet, gift cards and RuPay On-The-Go card only).

Email: pno@phonepe.com

Source: PhonePe official page

Paytm

Wallet
  • Call to receive the Help and Support link on WhatsApp (Paytm's grievance policy says to call this number to get the link; it is not described as a live helpline):0120-4580000

App or online: In the app: Help and Support (m.paytm.me/CustomerSupport); Paytm's scam-safety page says to report suspected fraud via '24x7 Help' in the app. Level 2: email wecare@paytm.com quoting the Level 1 ticket number (see tickets under 'View Tickets' in Help and Support). If money was lost, also file at cybercrime.gov.in.

Email: wecare@paytm.com

Source: Paytm official page

BHIM (NPCI BHIM Services Limited)

Wallet

App or online: In the BHIM app: Transaction page > Report Issue > select the issue (for example Failed Transaction) and add the details. The email bhim.support@npci.org.in is given in the BHIM FAQ under UPI Global transactions. Offline UPI: dial *99#.

Email: bhim.support@npci.org.in

Source: BHIM (NPCI BHIM Services Limited) official page

CRED

Wallet

App or online: In the app: more > support > pick a transaction or topic > contact support (CRED says support is available round the clock). Unresolved: the Grievance redressal button on cred.club/customer-care (your ticket must be open or resolved within the last 30 days). For UPI complaints CRED's UPI terms say CRED is the first point of contact, then its PSP bank (Axis Bank or Yes Bank), then your own bank, then NPCI, then the Ombudsman.

Email: grievanceofficer@cred.club

Source: CRED official page

Amazon Pay (India)

Wallet

App or online: Level 1 via amazon.in/contact-us (chat or call back; the page describes the customer service team as 24x7). Level 2 grievance officer email after 7 business days; Level 3 nodal officer amazonpay-nodal-officer@amazonpay.in.

Email: amazonpay-grievance-officer@amazonpay.in

Source: Amazon Pay (India) official page

MobiKwik

Wallet

App or online: In the app: Help & Support icon in the side menu on the home page; to report an unauthorised transaction choose the Report Fraud option at mobikwik.com/help or in the app's Help section and click Create Ticket.

Email: grievance@mobikwik.com

Report phishing: fraudalerts@mobikwik.com

Source: MobiKwik official page

Freecharge

Wallet

App or online: Help & Support on the Freecharge website or app (freecharge.in/help-support). Level 2: grievanceofficer@freecharge.com. Level 3: nodalofficer@freecharge.com.

Email: care@freecharge.com

Source: Freecharge official page

WhatsApp Payments (India)

Wallet

App or online: In WhatsApp, select the relevant UPI transaction and raise a complaint (WhatsApp's Dispute Redressal Mechanism page). WhatsApp India is the first point of contact for UPI complaints from users it onboarded; unresolved cases go to the PSP bank, then your own bank, then NPCI, then the Ombudsman (WhatsApp India Payments Terms, last modified 17 August 2026). Bill payments: customer grievance section in the Bill Payment interface.

Source: WhatsApp Payments (India) official page

Airtel Payments Bank

Bank
  • Customer care (toll-free):1800 23400(24/7)
  • Report a fraud:1800 203 3330
  • Principal Nodal Officer:0124-4247797(Every day 9:30 AM to 6:30 PM (stated with this number in the bank's insurance escalation section))

App or online: Online complaint form: airtelpayments.bank.in/help-and-support or i.airtel.in/AIRBNK/ODR-Web; fraud report form: i.airtel.in/AIRBNK/fraudreporting-web (quote transaction ID, date and any earlier complaint ID). Escalation: Nodal Officer grievance.officer@airtelbank.com, then Principal Nodal Officer pno@airtelbank.com, then the RBI Ombudsman (after 30 days). The bank says its service calls come only from numbers starting 1600.

Email: wecare@airtelbank.com

Report phishing: fraud.reporting@airtelbank.com

Full guide: report Airtel Payments Bank fraud Source: Airtel Payments Bank official page

India Post Payments Bank

Bank
  • Report an unauthorised transaction or block a debit card (toll-free):1800 8899 860
  • Queries or complaints (charges apply):155299
  • Queries or complaints (charges apply):033-22029000
  • Principal Nodal Officer (Tier III):011-23485700

App or online: Raise or track a complaint at ippbonline.bank.in/web/ippb/complaint-management. Escalation: branch manager (7 working days), circle nodal officer (list at ippbonline.bank.in/web/ippb/circle-nodal-officer), Principal Nodal Officer pno@ippbonline.in, then RBI Ombudsman after 30 days.

Email: contact@ippbonline.in

Full guide: report India Post Payments Bank fraud Source: India Post Payments Bank official page

Jio Payments Bank

Bank
  • Helpdesk (toll-free):1800 890 7070(9 AM to 9 PM, all days (stated for this helpdesk number in the Level 3 section))

App or online: Report unauthorised transactions by calling the helpdesk or emailing we.care@jiopayments.bank.in with transaction ID, date, amount and type (jiopayments.bank.in/reporting-unauthorised-transactions/). Escalation: Head Customer Service Head.Customercare@jiopayments.bank.in, then nodal.officer@jiopayments.bank.in, then principal.nodalofficer@jiopayments.bank.in, then RBI Ombudsman.

Email: we.care@jiopayments.bank.in

Full guide: report Jio Payments Bank fraud Source: Jio Payments Bank official page

Wallet guides: Amazon Pay fraud help, BHIM fraud help, CRED fraud help, Freecharge fraud help, Google Pay fraud help, MobiKwik fraud help, Paytm fraud help, PhonePe fraud help, WhatsApp Payments fraud help

Not listed here

We could not confirm contact details on the official website of: Union Bank of India. Rather than risk a wrong number, we leave them out. Use the number printed on your card or shown in the provider’s official app.

If your bank won’t help

National Cyber Crime Helpline 1930 and cybercrime.gov.in (NCRP)

Toll-free helpline 1930 gives assistance in lodging online cyber complaints, and cybercrime.gov.in is the national portal for reporting cyber crime, including financial fraud (Ministry of Home Affairs, PIB release of 22 July 2026).

The Ministry of Home Affairs says the Citizen Financial Cyber Fraud Reporting and Management System under I4C is for immediate reporting of financial frauds to stop the money being moved on, and that a Grievance Redressal Module (for account freezing and lien marking) and a Money Restoration Module became functional from April 2026.

Official website

Sanchar Saathi: Chakshu

Report a suspected fraud call, SMS or WhatsApp message, such as a fake bank, KYC or SIM message, within 30 days. If you have already lost money, use 1930 or cybercrime.gov.in instead.

Official website

RBI Integrated Ombudsman (RB-IOS 2026)

Free complaint against a bank, NBFC or non-bank prepaid payment instrument (wallet) issuer after you have complained to it first.

Per the RB-IOS 2026 scheme (issued 16 January 2026, in force 1 July 2026): complain to the entity first; you may go to the Ombudsman if there is no reply within 30 days (or the longer time set by RBI, NPCI or card network rules) or you are unhappy with the reply, and you must file within 90 days of that. File at cms.rbi.org.in, by email to crpc@rbi.org.in, or by post to the Centralised Receipt and Processing Centre, Reserve Bank of India, Central Vista, Sector 17, Chandigarh 160017. Toll-free 14448 is a 24x7 IVR for information on the scheme; agents Monday to Saturday (except national holidays) 8 AM to 10 PM.

Official website

NPCI UPI Help (MyUPI)

NPCI's UPI support portal: check transaction status, raise a complaint on a UPI payment (choose Fraudulent Transaction for a scam, or Fraud/Unauthorized Transaction if you never entered your PIN), and track it with the Complaint Reference Number (CRN).

NPCI's FAQ lists the 12-digit transaction ID (UTR), registered mobile number, the UPI ID (VPA) used and the transaction date. NPCI says it provides the platform but cannot reverse transactions itself; reversals are initiated by the beneficiary bank on your bank's request, and most disputes are resolved in 3 to 7 working days. For a scam it also tells users to report at cybercrime.gov.in or call 1930. If unsatisfied with the outcome, NPCI's FAQ points to the bank's Ombudsman.

Official website

How a UPI complaint escalates (app, then banks, then NPCI, then ombudsman)

Order of escalation for a UPI complaint: complain first to the UPI app you used, then its PSP bank, then your own bank, then NPCI, then the RBI Ombudsman.

Source: WhatsApp's Dispute Redressal Mechanism page and the 'UPI Payments Terms Required by NPCI' section of its India Payments Terms; CRED's UPI terms (section J.6) state the same order. These are app providers' statements; NPCI's own dispute-redressal page could not be loaded on 24 Oct 2026, so it is not cited.

Official website

RBI Sachet portal

RBI's portal to report unauthorised financial activity (for example illegal deposit collection, Ponzi or MLM schemes, fake loan apps) and file complaints; it routes each type of concern to the right regulator and sends online-fraud complaints to I4C.

It is not the place to recover money from a UPI or wallet fraud; use 1930 and your bank for that.

Official website

Your rights

  • RBI circular RBI/2018-19/101 (DPSS.CO.PD.No.1417/02.14.006/2018-19) dated 4 January 2019: Customer Protection, Limiting Liability of Customers in Unauthorised Electronic Payment Transactions in PPIs issued by Authorised Non-banks. Applies to authorised non-bank PPI (wallet) issuers such as PhonePe, MobiKwik and Amazon Pay. Customer liability is zero where the issuer was at fault, or for a third-party breach reported within 3 days; for a third-party breach reported in 4 to 7 days it is the lower of the transaction value or Rs 10,000 per transaction; beyond 7 days it follows the issuer's Board-approved policy (PhonePe and MobiKwik decide case by case; Amazon Pay's page caps it at the lower of the transaction value or Rs 10,000 for small wallets and Rs 50,000 for full-KYC wallets). If you shared your credentials you bear the loss until you report it. The issuer must credit the amount to your wallet (notional reversal) within 10 days of your report, and resolve the complaint within 90 days; if it cannot, it must pay you as set out above. Source
  • RBI circular RBI/2017-18/15 (DBR.No.Leg.BC.78/09.07.005/2017-18) dated 6 July 2017: Customer Protection, Limiting Liability of Customers in Unauthorised Electronic Banking Transactions (already in the India entry). Addressed to scheduled commercial banks, small finance banks and payments banks, so it covers Airtel Payments Bank, India Post Payments Bank and Jio Payments Bank for transactions up to 31 December 2026. RBI's 2026 directions say these instructions have since been consolidated into the Responsible Business Conduct Directions, 2025 for each type of bank. Details already held in the existing entry. Source
  • RBI Commercial Banks (Responsible Business Conduct) Third Amendment Directions, 2026 (RBI/2026-27/167, dated 24 June 2026). Existing entry cites this for the new customer-liability rules for transactions on or after 1 January 2027. It covers commercial banks other than small finance banks, payments banks, regional rural banks and local area banks; payments banks get the same rules through a separate direction (next item). Source
  • RBI Payments Banks (Responsible Business Conduct) Second Amendment Directions, 2026 (RBI/2026-27/169, dated 24 June 2026). Applies to payments banks (Airtel, India Post, Jio) for electronic banking transactions on or after 1 January 2027: zero liability for a third-party breach reported within 5 calendar days; the bank must respond within 45 calendar days (60 for cross-border); and an individual who lost up to Rs 50,000 can be compensated once in a lifetime 85% of the net loss or Rs 25,000, whichever is less, if the fraud was reported to 1930 or cybercrime.gov.in and to the bank within 5 calendar days. Issued with the RBI press release of 24 June 2026. It does not cover non-bank wallet issuers, which stay under the 2019 PPI circular. Source
  • Reserve Bank - Integrated Ombudsman Scheme, 2026 (press release 16 January 2026, in force 1 July 2026). Covers banks, NBFCs and non-bank prepaid payment instrument issuers. Complain to the entity first; Ombudsman route after 30 days (or the longer RBI/NPCI/card-network timeline) or an unsatisfactory reply, within 90 days; compensation for consequential loss up to Rs 30 lakh and for time, expenses and harassment up to Rs 3 lakh; no limit on the amount in dispute. Source

Report it to the police too

Banks often ask for a police report before they investigate. Cybercrime agencies in India lists who to report to, and our step-by-step guide covers the rest: How to Report Cybercrime in India (and Get Your Money Back).

Every number on this page was read on the provider’s or regulator’s own website on 24 October 2026. Banks change numbers, so if one doesn’t work, use the number on your card or in the official app, and tell us so we can fix it. See every country in the Bank Fraud Help directory.