Free Cyber Fraud Complaint Letter — Bank & Cyber Police

What to do, in order

1. At once: call 1930 or report on cybercrime.gov.in (“Any victim of financial cyber fraud can dial helpline number 1930”), and ask your bank to block the card / UPI / net banking. Note the acknowledgement and complaint numbers.
2. In writing to the bank: give or email this letter with screenshots and the statement. Keep the stamped copy or the email.
3. RBI’s rules on your liability depend on the date of the transaction. Before 1 January 2027 (RBI circular of 6 July 2017): zero liability for a third-party breach reported within 3 working days of the bank’s alert, limited liability for 4–7 working days, shadow credit within 10 working days of your report, complaint settled within 90 days, and the bank must prove your liability. From 1 January 2027 (RBI Directions of 24 June 2026): zero liability for a third-party breach reported within 5 calendar days, a reply within 45 days (60 for cross-border), and — for losses up to ₹50,000 caused by your own mistake — 85% of the net loss up to ₹25,000, once in a lifetime, if you reported on 1930 / NCRP and to the bank within 5 calendar days.
4. Bank says no or doesn’t answer in 30 days? Complain to the RBI Ombudsman at cms.rbi.org.in (or call 14448). Under the Integrated Ombudsman Scheme, 2026 you must go to the bank first, and a police case is not treated as the same grievance.
5. Track the police complaint under “Track your Complaint” on cybercrime.gov.in. Sources checked 30 Oct 2026. This is a draft to help you, not legal advice.