State Bank of India Fraud: How to Report It and Stop the Money
If money left your State Bank of India account without your permission, or you paid a scammer, contact State Bank of India straight away and ask it to block the payment and your card. The first minutes matter most.
Do this first
- Call State Bank of India’s official line below, or use help inside the official State Bank of India app. Never use a number from a text, a caller or a search result.
- Give them the transaction details (amount, time, and the account or number you paid) and ask them to block your card and stop or recall the payment.
- Change your online banking password and PIN if anyone may know them. State Bank of India will never ask for your PIN, password or a one-time code.
- Report it to the police too: see who handles cybercrime in India, and keep screenshots of every message and payment.
Official State Bank of India fraud contacts
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]
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.
If State Bank of India 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 as a State Bank of India customer in India
- 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
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).
Common questions about State Bank of India fraud
- What is the State Bank of India fraud helpline number?
- State Bank of India lists these numbers on its own website: 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. Always dial the number printed on your card or shown in the official app if you are unsure.
- How do I report fraud to State Bank of India?
- Call State Bank of India's official line. Tell them the amount, the time and the account the money went to, and ask them to block your card or the payment.
- What if State Bank of India will not help or refund me?
- In India you can complain to National Cyber Crime Helpline 1930 and cybercrime.gov.in, Sanchar Saathi: Chakshu, RBI Integrated Ombudsman (RB-IOS 2026) and others. Details of what each one handles are on this page.
Other providers in India
HDFC BankICICI BankAxis BankKotak Mahindra BankPunjab National BankBank of BarodaCanara BankIndusInd BankYes BankIDFC FIRST BankGoogle Pay
These contacts were read on State Bank of India’s own website on 3 October 2026. If a number has changed, use the one in the official app and tell us. Ministry of Cyber Affairs is not State Bank of India and cannot recover money. All India providers are in Bank Fraud Help: India.