Act Immediately

The faster you report a UPI fraud, the higher the chance of fund recovery. NPCI and banks can sometimes freeze the receiving account before the funds are withdrawn.

Reporting Steps

Step 1 — Report in the UPI App

  • Open the transaction in your UPI app
  • Tap "Report a Problem" or "Raise Dispute"
  • Select "Unauthorised Transaction" or "Fraud"

Step 2 — Call the National Cybercrime Helpline

  • Call 1930 immediately — available 24/7
  • They can initiate an emergency hold on the fraudster's account
  • Note down your complaint number

Step 3 — File Online at cybercrime.gov.in

  • Go to cybercrime.gov.in → Financial Fraud → UPI Fraud
  • You'll need: transaction ID, date/time, amount, UPI ID of recipient
  • Upload any screenshots or communication as evidence

Step 4 — Contact Your Bank

  • Call your bank and report the fraudulent debit
  • Ask them to raise a chargeback or dispute request with NPCI
Recovery timeline: If you report within hours, there's a reasonable chance of recovery. The process typically takes 7-45 days. Keep all complaint reference numbers safely.

What Information to Keep Ready

  • Transaction reference/UTR number
  • Date, time, and amount of fraud
  • Fraudster's UPI ID or phone number
  • Any screenshots of the conversation
  • Your bank account details (don't share with anyone — only official portals)