India: How to Report Bank Fraud
If money left your account without your permission, or you were tricked into sending it, contact your bank or payment provider straight away. The faster they hear from you, the better the chance of stopping or recovering the money. Below are the official fraud and card lines for 12 providers in India.
Do this first
- Call your bank’s fraud or card line now. Use a number from this page, the back of your card, or your bank’s official app. Never use a number from a text, an email, a caller or a search ad.
- Block your card or freeze your account in the app if you can, and change your online banking password.
- Ask the bank for a reference number, and write down the time you reported it.
- Report it to the police as well: see who handles cybercrime in India.
- Keep everything: messages, call logs, screenshots and transaction IDs. Your bank will never ask for your PIN, password or a one-time code.
Know this about India
- Report to your bank and to 1930 straight away: the sooner the bank knows, the better the chance it can put the money on hold before it is moved on.
- Union Bank of India shows conflicting helpline numbers on its own website, so we do not list one: use the number on the back of your card, or call 1930.
- Canara Bank's fraud team calls customers from 1600 108 090; you cannot call that number back. HDFC Bank says it never calls customers from 1800 1600 or 1800 2600.
Bank and payment fraud lines
State Bank of India (SBI)
Bank- Report an unauthorised transaction (toll-free):1800 11 1109
- Report an unauthorised transaction (toll-free mobile number):94491 12211
- Customer care (toll-free; press 0 to block ATM card, Internet Banking or UPI):1800 1234(24/7)
- Customer care (toll-free):1800 2100(24/7)
- Report an unauthorised transaction (charges apply):080 2659 9990
- From abroad (charges apply):+91 80 2659 9990
Report phishing: [email protected]
HDFC Bank
Bank- Report an unauthorised card, NetBanking or UPI transaction:1800 258 6161
- Customer care (toll-free):1800 1600(IVR 24/7; agents 8am–8pm)
- Customer care (toll-free):1800 2600(IVR 24/7; agents 8am–8pm)
- From abroad:+91 22 6160 6160(IVR 24/7; agents 8am–8pm)
App or online: NetBanking: Cards › Request › Debit Card or Credit Card hotlisting. You can also raise a dispute online through the bank's Online Dispute Resolution Portal within 60 days.
Report phishing: [email protected]
ICICI Bank
BankApp or online: iMobile: Accounts & FD / RD › select account › More Options › Report a Fraud. Tap the Smart Lock icon in iMobile to temporarily block iMobile, Internet Banking, UPI and debit cards.
Report phishing: [email protected]
Axis Bank
Bank- Fraud and disputes (toll-free):1800 103 5577
- Block cards (also from abroad, not toll-free):+91 40 6717 4100(24/7)
- Phone banking and lost cards (toll-free):1800 4030
- Phone banking and lost cards (toll-free):1800 8911
- Fraud and disputes (charges apply):1860 419 5555
- Fraud and disputes (charges apply):1860 500 5555
App or online: Axis Mobile app: Menu › Services & Support › Debit Cards (or Credit Cards) › Block & Replace.
Report phishing: [email protected]
Kotak Mahindra Bank
Bank- Fraud line (toll-free):1800 209 0000(24/7)
- Customer care (toll-free):1800 4100(24/7)
- From abroad (charges apply):+91 22 6204 2001
App or online: Report a fraud online: https://kapps.kotak.bank.in/FraudPreLogin
Report phishing: [email protected]
Punjab National Bank (PNB)
Bank- Customer care and blocking a lost debit card (toll-free):1800 1800
- Customer care and blocking a lost debit card (toll-free):1800 2021
- Customer care (charges apply):0120 249 0000
- From abroad:+91 120 249 0000
- Credit cards (toll-free):1800 180 2345
- Credit cards from abroad:+91 120 461 6200
Report phishing: [email protected], [email protected]
Bank of Baroda
Bank- Fraud, unauthorised transaction or lost card (toll-free, press 1):1800 5700(24/7)
- Fraud, unauthorised transaction or lost card (toll-free, press 1):1800 5000(24/7)
- From abroad (Indian resident customers):+91 79 6629 6009(24/7)
- From abroad (NRI customers):+91 79 6629 6629(24/7)
App or online: Block or freeze your debit card yourself at https://appstackweb.bankofbaroda.bank.in/debitfreeze/, or in the bob World app: More › Debit card block/hotlist.
Report phishing: [email protected]
Canara Bank
Bank- Fraud and card blocking (toll-free):1800 1030(24/7)
- Fraud and card blocking (toll-free):1800 425 0018(24/7)
- From abroad:+91 80 2206 4232
- From abroad:+91 80 6821 2121
App or online: Block a debit or credit card by SMS: send SUSPECT to 56161. Or in Net Banking: Cards › Manage Debit Cards › Block cards.
IndusInd Bank
Bank- Report an unauthorised transaction or block cards and banking:1860 267 7777
- From abroad:+91 22 6857 7777
- Phone banking (charges apply):022 4220 7777
App or online: IndusMobile app: Debit Cards › Block Card. To block a credit card by SMS, send BLOCK followed by the card's last 4 digits to 5676757.
Report phishing: [email protected]
Yes Bank
Bank- Unauthorised debit card, NetBanking or mobile banking transaction (toll-free):1800 1200(24/7)
- Same service (charges apply):1860 210 1200(24/7)
- Unauthorised credit card transaction (toll-free):1800 103 1212(24/7)
- Debit card or NetBanking, from abroad:+91 22 5079 5101
- Credit card, from abroad:+91 22 4935 0000
App or online: NetBanking: mySpace › Debit Cards › Hot List Debit Cards, or Credit Card tab › Block Lost/Stolen Card.
Report phishing: [email protected], [email protected]
IDFC FIRST Bank
Bank- Customer care and fraud reporting:1800 10 888(24/7)
- WhatsApp:95555 55555
Google Pay
Wallet- Google Pay support (toll-free):1-800-419-0157
App or online: Report the payment to your bank first. Then in the app: profile picture › Get help › Contact Support › Call or Chat (chat 8am–midnight IST).
Not listed here
We could not confirm contact details on the official website of: Union Bank of India, BHIM UPI / NPCI, PhonePe, Paytm. Rather than risk a wrong number, we leave them out. Use the number printed on your card or shown in the provider’s official app.
If your bank won’t help
National Cyber Crime Helpline 1930 and cybercrime.gov.in
Call 1930 or report at cybercrime.gov.in as soon as you notice money has gone: your complaint is passed to your bank and to the bank that received the money, so the money can be put on hold if it is still there.
You get an acknowledgement number by SMS; then file the full complaint at cybercrime.gov.in.
Official websiteSanchar Saathi: Chakshu
Report a suspected fraud call, SMS or WhatsApp message, such as a fake bank, KYC or SIM message, within 30 days. If you have already lost money, use 1930 or cybercrime.gov.in instead.
Official websiteRBI Integrated Ombudsman (RB-IOS 2026)
Free complaint against your bank if it has not resolved your complaint within 30 days or you are unhappy with its reply.
Complain to the bank first and keep proof. File online at cms.rbi.org.in within 90 days of the bank's reply or of the 30-day period ending. Helpline 14448 gives information but cannot take complaints.
Official websiteNPCI UPI Help
Raise a complaint about a UPI payment after you have tried your UPI app and your bank.
Official websiteYour rights
- RBI customer liability rules for unauthorised electronic transactions (2017 circular, for transactions up to 31 December 2026). You lose nothing if the bank was at fault, or if a third party committed the fraud and you tell the bank within 3 working days of its alert; if you report in 4 to 7 working days your loss is capped at Rs 5,000 to Rs 25,000 depending on the account, and if you shared your PIN or OTP you bear the loss only until you report it. The bank must provisionally credit the disputed amount within 10 working days of your report and resolve the complaint within 90 days. Source
- RBI Responsible Business Conduct Third Amendment Directions, 2026 (for transactions from 1 January 2027). From 1 January 2027 the bank must prove you are liable, you lose nothing for a third-party fraud reported within 5 calendar days, and the bank must respond within 45 calendar days (60 for cross-border payments). If you were careless and lost up to Rs 50,000, you can claim once in your lifetime 85% of the net loss (up to Rs 25,000), provided you reported it to 1930 or cybercrime.gov.in and to your bank within 5 calendar days. Source
Report it to the police too
Banks often ask for a police report before they investigate. Cybercrime agencies in India lists who to report to, and our step-by-step guide covers the rest: How to Report Cybercrime in India (and Get Your Money Back).
Every number on this page was read on the provider’s or regulator’s own website on 3 October 2026. Banks change numbers, so if one doesn’t work, use the number on your card or in the official app, and tell us so we can fix it. See every country in the Bank Fraud Help directory.