Category: Cyber Crime & Banking | Last Updated: January 2026
UPI fraud cases are rising rapidly in India. From fake customer care calls to QR code scams, thousands of users lose money every day through UPI transactions. If you are a victim, acting fast can significantly increase your chances of recovering the money.
This article explains the complete UPI cyber fraud complaint process, including how to report fraud, where to complain, timelines, and what to expect after filing a complaint.
What Is UPI Cyber Fraud?
UPI cyber fraud occurs when money is transferred from your bank account without your consent or through deception. Common fraud methods include fake refund links, phishing calls, remote access apps, QR code scams, and impersonation of bank officials.
Immediate Steps After UPI Fraud (Do This First)
If you notice an unauthorized UPI transaction, follow these steps immediately:
- Do not panic and do not share OTP, PIN, or screenshots with anyone.
- Call 1930 immediately (National Cyber Crime Helpline).
- Block your UPI ID or bank account through your bank.
- Take screenshots of transaction details.
Reporting within the first 30–60 minutes greatly improves recovery chances.
UPI Cyber Fraud Complaint Process (Step-by-Step)
Step 1: Call 1930 Cyber Crime Helpline
Dial 1930 from your registered mobile number. Provide transaction details such as:
- Date and time of transaction
- Amount lost
- UPI ID or bank account details
You will receive a complaint reference number.
Step 2: File Complaint on Cyber Crime Portal
Visit the official National Cyber Crime Reporting Portal and submit your complaint. Choose “Financial Fraud” → “UPI / Banking Fraud”.
You must provide:
- Your personal details
- Bank and UPI transaction details
- Fraud description
- Supporting evidence (screenshots)
After submission, note down the acknowledgement number.
Step 3: Inform Your Bank Immediately
Visit or contact your bank branch and submit a written complaint. Ask for:
- Fraud ticket number
- Status of fund blocking
- Cyber cell reference linkage
Banks can temporarily block the recipient account if reported quickly.
Step 4: Follow Up With Cyber Cell
The local cyber crime police station will review your case. They may contact you for additional details or documents.
In genuine cases, banks may place a lien on the fraudulent amount under the new SOP instead of freezing entire accounts.
How Long Does UPI Fraud Recovery Take?
- Within 24–72 hours: Amount may be blocked if funds are traceable
- 7–30 days: Investigation and verification
- Up to 90 days: Resolution as per latest guidelines
Recovery depends on how fast the complaint was filed and whether the money trail is intact.
Can You Get Your Money Back?
Yes, recovery is possible if:
- Complaint is filed immediately
- Money has not been withdrawn by fraudster
- Transaction trail is clear
For smaller amounts, banks may process refunds without court orders under new procedures.
Common UPI Fraud Types You Should Know
- Fake customer care calls
- QR code refund scams
- Phishing links via SMS or WhatsApp
- Screen-sharing app fraud
- Fake KYC update messages
How to Prevent UPI Fraud?
- Never share UPI PIN or OTP
- Do not scan unknown QR codes
- Verify caller identity before acting
- Use official bank apps only
- Enable transaction alerts
Frequently Asked Questions (FAQs)
Disclaimer
This article is for informational purposes only. Procedures may vary depending on bank policies and case details. Always follow official instructions from your bank and cyber crime authorities.
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