MargadarshiniReport a cyber fraudతె
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Report a cyber fraud

You tell 1930 and your bank about the fraud at once and complain on cybercrime.gov.in, and you keep the complaint numbers.

About this guidePending verification

Published on 12-11-2026. Not every fact has been checked against its official source yet: confirm at the office.

Where:By phoneAt the bankOnline

For whom: People in Andhra Pradesh who lost money to an online fraud (UPI, bank, card, a fake call), or who faced another cyber crime.

In an emergency, call at once

1930National Cyber Crime Helpline: at once if money was taken (free, 24 hours)112Emergency helpline (police): if you are in danger now

1Your situation

We show only what your answers need.

Did you lose money in the fraud?

Your answers stay on this phone.

2Documents you need

Tick the ones you have. They are kept in this browser.

  • Details

    The bank's SMS or e-mail alert, the transaction ID, screenshots and your bank account details

    Sources: 1, 4, 8

  • Details

    Chats, call records and screenshots

    Sources: 1

  • Details

    If you don't have it: It comes by SMS after you call 1930.

    Sources: 4, 5, 1

  • Details

    If you don't have it: The bank must send it by SMS or e-mail as soon as you report the fraud.

    Sources: 8, 9

    3Your steps

    · Do them in order. Tick each one when it is done.

    If something goes wrong
    1. Do this now

      Call 1930 without delay.

      Give your name, mobile number and the transaction details. The sooner you call, the better the chance of stopping the money. If you cannot get through, report the fraud on cybercrime.gov.in.

      Where
      National Cyber Crime Helpline 1930
      Fee
      Free · Toll-free number

      Sources: 1, 4, 5, 9, 7

    2. Do this now

      The SMS from 1930 has an acknowledgement number.

      Write it down.

      Where
      You do this yourself

      Sources: 4, 5, 1

    3. Do this now

      At the same time, tell your bank: call the customer care number on the bank's official website, or go to the branch.

      Ask them to block the card and to stop money leaving the account. Make sure your net banking and mobile banking are safe too.

      Where
      At the bank

      Sources: 7, 8, 9, 1

    4. Do this now

      Tell the bank even if days have passed.

      Under RBI’s rule, if the fault is neither yours nor the bank’s, you bear no loss when you tell the bank within 3 working days of its alert. Told in 4 to 7 working days, your loss on each transaction is at most ₹5,000 to ₹25,000, by type of account. After 7 working days, the bank’s own policy decides. If you gave someone your OTP, PIN or password, the loss until you tell the bank is yours; any loss after that is the bank’s.

      Where
      At the bank
      Time limit
      within 3 working days of the bank's alert
      Not confirmed

      This RBI circular (6 July 2017) is for scheduled commercial banks, regional rural banks, small finance banks and payments banks; we have not read the rule for co-operative banks. The rule will change: for transactions from 1 January 2027, RBI's new rule for commercial banks counts 5 calendar days from the transaction.

      Sources: 8, 9

    5. Do this now

      Keep the complaint number the bank sends you.

      If none comes, ask the bank for it.

      Where
      At the bank

      Sources: 8, 9

    6. Do this now

      On cybercrime.gov.in, fill in the full details of the fraud using the acknowledgement number.

      Where
      National Cyber Crime Reporting Portal
      Time limit
      within 24 hours of the SMS
      Open the official page
      Not confirmed

      The 24-hour limit is from the Home Ministry's 2021 release (the number was then 155260). Check the time given in the SMS from 1930. The pages of cybercrime.gov.in did not open for us.

      Sources: 4, 1

    7. Do this now

      Report what happened on cybercrime.gov.in.

      The "Report Cyber Crime" link on the Andhra Pradesh Police website goes to the same portal.

      Where
      National Cyber Crime Reporting Portal
      Open the official page

      Sources: 3, 6

    8. Do this now

      If you are not sure how to report it, call 1930 and ask for help.

      Where
      National Cyber Crime Helpline 1930
      Fee
      Free · Toll-free number

      Sources: 5, 6

    9. Do this now

      Do not delete any proof such as chats, call records and screenshots.

      Keep them safe.

      Where
      You do this yourself

      Sources: 1

    10. Do this now

      Go to the nearest cyber crime police station with your complaint numbers and proof.

      Where
      The nearest cyber crime police station
      Not confirmed

      We found no official page listing Andhra Pradesh's cyber crime police stations, or saying how money a bank has put on hold is returned. Ask on 1930 or at your local police station which station is nearest, and ask there about the money.

      Sources: 1, 6

    11. Do this now

      Go to the nearest cyber crime police station with your complaint numbers and proof.

      Where
      The nearest cyber crime police station
      Not confirmed

      We found no official page listing Andhra Pradesh’s cyber crime police stations. Ask on 1930 or at your local police station which station is nearest.

      Sources: 1, 6

    12. Do this now

      Do not tell anyone your OTP, PIN, CVV or password, even if they say they are from the bank or a government office.

      Where
      You do this yourself

      Sources: 2, 7

    If something goes wrong

    If it is lateIf the bank does not reply within 30 days (or a longer time that RBI, NPCI or card rules allow), complain to the RBI Ombudsman.

    If the bank does not reply within 30 days (or a longer time that RBI, NPCI or card rules allow), complain to the RBI Ombudsman. Do it within 90 days after that time runs out or after the bank last wrote to you, whichever is later. Keep proof of your complaint to the bank. There is no fee.

    RBI Ombudsman (CMS portal; toll-free 14448 gives help and status only, it does not take complaints) · Open the official page

    14448

    Sources: 10, 7

    If it is rejectedIf the bank turns down your complaint or you are not satisfied with its reply, complain online to the RBI Ombudsman within 90 days of the bank’s last reply.

    If the bank turns down your complaint or you are not satisfied with its reply, complain online to the RBI Ombudsman within 90 days of the bank’s last reply. There is no fee.

    RBI Ombudsman (CMS portal; toll-free 14448 gives help and status only, it does not take complaints) · Open the official page

    14448

    Sources: 10

    If it is lateIf no one contacts you about your complaint, call 1930 with your complaint number, or go to the cyber crime police station.

    If no one contacts you about your complaint, call 1930 with your complaint number, or go to the cyber crime police station.

    National Cyber Crime Helpline · Open the official page

    Sources: 6, 1, 9

    AlsoDo not pay anyone who asks for a fee to "get your money back".

    Do not pay anyone who asks for a fee to "get your money back". 1930 is a toll-free number. A complaint to the RBI Ombudsman needs no fee and no agent. After a 1930 complaint, it is the banks that put the money on hold, if the money is still there. If you get such a call, tell 1930.

    National Cyber Crime Helpline · Open the official page

    Sources: 5, 10, 4, 9

    Official websites for this work

    All official websites →
    Find the office in your district →

    Related guides

    Report a mistake on this page
    The 10 official pages and papers this guide is written from
    1. Online Fraud (ఆన్‌లైన్ మోసాలు)Andhra Pradesh Police (Government of Andhra Pradesh), citizen services portal, "What To Do If You Are a Victim" and "Important Protection Tips" (the page text is served from the portal's files /i18n/en.json and /i18n/te.json, keys citizenFraud.onlineFraud.*) · read on 30-10-2026
    2. Cyber Crime (సైబర్ నేరం)Andhra Pradesh Police (Government of Andhra Pradesh), citizen services portal, Card "Protect Personal Information" (keys citizenFraud.cyberCrime.cards.personal.* in /i18n/en.json and /i18n/te.json) · read on 30-10-2026
    3. Andhra Pradesh State Police Services: citizen portal home and menusAndhra Pradesh Police (Government of Andhra Pradesh), citizen services portal, Page header "Emergency Helpline 112"; menu Citizen Services: "Report Cyber Crime" (report cyber crime at the national portal, link to https://cybercrime.gov.in/) · read on 30-10-2026
    4. Union Home Ministry has operationalised the national Helpline 155260 and Reporting Platform for preventing financial loss due to cyber fraudPress Information Bureau, Ministry of Home Affairs, The workflow of the Helpline and its platform (State Police operator, ticket, SMS with acknowledgement number, 24 hours, banks put money on hold) (17-06-2021) · read on 30-10-2026
    5. Cyber Frauds HelplinePress Information Bureau, Ministry of Home Affairs, First paragraph (toll-free 1930, earlier 155260; reporting financial frauds and help in lodging complaints on the portal; handled by State/UT police) (06-04-2022) · read on 30-10-2026
    6. 'National Cyber Crime Reporting Portal' enables public to report incidents of cyber-crimes, with special focus on cyber-crimes against women and childrenPress Information Bureau, Ministry of Home Affairs, First list of steps (I4C and the portal; conversion into FIRs by State/UT police; CFCFRMS; helpline 1930 operates 24X7X365) (18-12-2024) · read on 30-10-2026
    7. BE(A)WARE: a booklet on the modus operandi of financial fraudstersReserve Bank of India, Consumer Education and Protection Department, Page 27, "Actions to be taken after occurrence of a fraud"; page 31, "File a complaint"; vishing precautions · read on 30-10-2026
    8. Customer Protection: Limiting Liability of Customers in Unauthorised Electronic Banking Transactions (RBI/2017-18/15)Reserve Bank of India, Addressed to all scheduled commercial banks (including RRBs), small finance banks and payments banks; para 5 (reporting of unauthorised transactions by customers to banks); paras 6 and 7 with Table 1 (zero and limited liability of a customer); para 8 with Table 2 and its note on counting working days (06-07-2017) · read on 30-10-2026
    9. Reserve Bank of India (Commercial Banks - Responsible Business Conduct) Third Amendment Directions, 2026 (RBI/2026-27/167)Reserve Bank of India, Paragraphs 76G, 76I and 76J (for electronic banking transactions on or after January 1, 2027); opening paragraph (commercial banks other than small finance banks, payments banks, regional rural banks and local area banks); para 3(2) (transactions on or after January 1, 2027); para 4(20C) (negligence by a customer); paras 76M and 76N (24-06-2026) · read on 30-10-2026
    10. Frequently Asked Questions: Reserve Bank - Integrated Ombudsman Scheme, 2026Reserve Bank of India, In force from July 1, 2026; when a complaint can be filed (30 days, then 90 days); CMS portal; toll-free 14448; question 21 (no fee, no third-party agency) · read on 30-10-2026