Money & banking

I was cheated online or money left my account without permission

Speed matters with online fraud. We will ask what happened and make sure you have reported it, then list your records.

Answer a few questions and get your list →

What the law says

Until 31 Dec 2026: for an unauthorised transaction caused by a third-party breach, you bear nothing if you tell your bank within 3 working days. For transactions from 1 Jan 2027 (RBI directions of 24 June 2026): the window is 5 calendar days, the rules also cover payments you were tricked or pressured into making, banks must decide within 45 days, and small frauds (loss up to ₹50,000) can get a one-time compensation of 85% of the net loss or ₹25,000, whichever is lower — only if you report to BOTH your bank and 1930 / cybercrime.gov.in within 5 calendar days.

General information, not legal advice.

Papers that usually help

Report at 1930 / cybercrime.gov.in and keep the acknowledgement number
An official report can lead to the receiving account being put on hold.
1930 / cybercrime.gov.in acknowledgement number
Your advocate and the police will use it to track the complaint.
Transaction records for every payment (date, time, amount, UTR/reference)
The 12-digit UTR or reference is the key to tracing each payment.
Bank SMS and email alerts for those payments
Alert times help show when you first knew.
Your written complaint to the bank and its reference number
For money taken without your action, the time you informed the bank can affect whether you bear any loss.
The complete conversation with the scammer (chat, call log, emails, links)
Shows what was promised or claimed, and who was involved.
Anything left about the scammer (numbers, names, website, payment request)
Even partial details help.
Receiving UPI ID, account number or phone number
Lets the police and banks act on the receiving account.
Name of the app you were asked to install, with screenshots
Helps the investigation and your bank claim.
Police complaint or FIR copy
Often needed for bank claims and recovery.
The bank's reply (refund, rejection or none)
Needed to escalate to the RBI complaint system.
The fake ad, job offer, website or investment page
Shows the deception.

Questions Saboot will ask you

When did the money leave your account?
Which best describes what happened?
Where have you reported it so far?
How did the money go?
Do you still have the messages, call log, links or app the scammer used?
Do you know where the money went (UPI ID, account number or phone)?
Is the app the scammer asked you to install still on your phone?
What has the bank said?

Sources

Common situations

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