Cyber Fraud Emergency & Money Recovery Tool
Immediate action center for victims of online financial fraud, UPI scams, APK malware, and unauthorized banking debits. Execute the Golden Hour triage, freeze funds, and generate bank dispute letters.
Step 1: Tell Us What Happened
Answer 3 quick questions to calculate your recovery window and RBI liability status.
RBI Liability Status:
Immediate Execution Steps
Cyber Fraud Recovery & RBI Rules FAQ
Authoritative answers on financial fraud recovery, NCRP protocols, and statutory liability limits under Indian banking law.
How does dialing 1930 instantly freeze money?
Dialing 1930 feeds the transaction details into the CFCFRMS (Citizen Financial Cyber Fraud Reporting and Management System). This automatically transmits electronic freeze notices to banks, payment aggregators, and wallets holding the funds in layer-1 and layer-2 mule accounts, preventing ATM withdrawals.
What is the BNSS Section 497 process for getting money back?
Once police freeze scammer funds, the money remains under judicial hold (Lien). To transfer frozen funds back to your account, you must file a Superdari / Release petition under Section 497/503 of Bharatiya Nagarik Suraksha Sanhita (BNSS) before the jurisdictional Magistrate and serve the court order to the bank Nodal Officer.
| Recovery Stage | Responsible Authority | Action Required by Victim |
|---|---|---|
| 1. Instant Hold (Golden Hour) | National Cyber Crime Helpline (1930) / CFCFRMS | Dial 1930 within 2 hours, provide UTR and bank account details. |
| 2. NCRP Complaint & Branch Notice | Home Bank Nodal Officer & Cyber Cell | Submit written dispute letter with 1930 acknowledgment within 3 days. |
| 3. Court Superdari Release | Jurisdictional Magistrate (BNSS Sec 497) | File release petition through lawyer or guidance of Cyber IO. |