Call your bank immediately and report the UPI fraud
Block your debit card, UPI ID, and internet banking if needed
Raise a dispute in your UPI app
Use the bank’s customer care and request a chargeback or reversal
File a complaint on the NPCI UPI dispute process through your bank
Report the fraud on the National Cyber Crime Portal
Call the cybercrime helpline 1930 as soon as possible
Save screenshots of the transaction, UPI ID, time, amount, and fraud details
Keep the complaint number, bank reference number, and cybercrime acknowledgment
Visit your bank branch if the issue is not resolved quickly
Follow up regularly with the bank and cybercrime authorities
If the money was sent to a wrong account by mistake, request the recipient bank to freeze the beneficiary account
If the fraud involved a merchant, ask for a merchant dispute or refund request
If the bank delays, escalate to the bank’s grievance redressal officer
File a complaint with the RBI Integrated Ombudsman if the bank does not resolve it
Do not delete messages, emails, or call records related to the fraud
Change your UPI PIN, passwords, and linked account security details after reporting
Check your account statements for any other unauthorized transactions
Inform all linked banks if you use multiple UPI apps or accounts