CyberExpert.IN

India's Cyber Safety Copilot

THE GOLDEN HOUR PROTOCOL

Immediate Cyber Financial Fraud Recovery Plan

If you have been defrauded through UPI, Netbanking, or credit/debit card, the first 2 hours are decisive. Learn how to activate the Indian Financial Cyber Fraud Reporting System to freeze stolen funds before they are withdrawn at ATMs.

DIAL 1930 IMMEDIATELY (FREE)Open cybercrime.gov.in

SOPThe 4-Step Golden Hour Execution Checklist

1Dial 1930 & State Your Details

When the operator answers, clearly state:

  • Your Bank Name and Account Number
  • Exact Fraud Amount debited
  • Transaction Reference / UTR Number from SMS
  • Recipient UPI ID or Account Number if visible
Why 1930 works: The helpline enters the transaction into the Citizen Financial Cyber Fraud Reporting System (CFCFRMS), immediately signaling the destination bank to put a freeze lien on the fraudster's account.
2Block Debit Cards & Reset UPI PIN

Stop further unauthorized debits immediately:

  • Open your bank app and toggle off "Online / International Transactions"
  • Block your debit card immediately
  • Reset your UPI PIN in Google Pay / PhonePe / Paytm
If you installed any APK or remote app (AnyDesk, TeamViewer): Uninstall it immediately and restart your phone in Safe Mode.
3Register Complaint on cybercrime.gov.in

Within 24 hours of calling 1930, you must formalize your complaint on the National Cyber Crime Reporting Portal:

  • Choose "Report Financial Fraud"
  • Enter the Acknowledgement Number given by 1930
  • Upload bank statement PDF and transaction screenshots
4Preserve All Evidence for Police FIR

Never delete messages or call records from the scammer:

  • Take uncropped screenshots of WhatsApp chats and phone numbers
  • Save payment receipts with UTR numbers
  • Do NOT block or delete chat threads before exporting backups

Major Indian Bank 24x7 Cyber Fraud Helplines

State Bank of India (SBI)
1800 1234 / 1800 2100
Fast action: SMS 'BLOCK' to 567676
HDFC Bank
1800 1600 / 1800 2600
Fast action: Netbanking Card Lock / Dial 1800 1600
ICICI Bank
1800 1080
Fast action: iMobile App 'Block Card' or Call 1800 1080
Axis Bank
1860 419 5555
Fast action: SMS 'BLOCK' to 5676782
Punjab National Bank (PNB)
1800 180 2222
Fast action: Dial 1800 180 2222 immediately
Bank of Baroda
1800 5700
Fast action: M-Connect App or Dial 1800 5700
PayTM / PhonePe / GPay
In-App 24x7 Help
Fast action: Go to Transaction -> Raise Dispute

Report Fraud Mobile Numbers & Lost Devices (DoT Portals)

Chakshu Portal (Sanchar Saathi)

Department of Telecommunications platform to report suspected fraud communications via calls, SMS, or WhatsApp (e.g. KYC expires, electricity cut, fake courier).

Open Chakshu Portal
CEIR (Block Stolen/Lost Smartphone)

Central Equipment Identity Register. Block your smartphone's IMEI nationwide so thieves cannot misuse banking SIM cards or sell the device.

Open CEIR Portal
BEWARE OF SECONDARY RECOVERY SCAMS!

Victims of cyber fraud are frequently targeted a second time by fraudsters posing as "ethical hackers", "cyber lawyers", or "recovery agencies" on Instagram, Telegram, or Quora. They promise to recover stolen money for an advance fee. No private hacker has access to Indian banking networks or the legal authority to seize funds. Never pay anyone claiming they can hack back your money.