Bank not refunding fraud money
Banks must settle a fraud complaint within 90 days. If yours is silent or refusing, a written complaint to the Principal Nodal Officer creates the record you need for the RBI Ombudsman.
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Frequently asked questions
What should I do first after a fraud?
Call the National Cyber Crime Helpline 1930 or file at cybercrime.gov.in at once, then block your card or UPI. Speed matters most.
Will the bank return my money?
Under the RBI rules of 2017, if it was not your fault and you report within three working days, you should carry no loss. Reporting in four to seven days limits your loss. It depends on the facts.
Does RefundPe charge anything?
RefundPe is a free grievance desk for Indian consumers. It is not a law firm, not a recovery agency, and it never takes a cut of any money you recover.
How long can the bank take?
The bank should give a temporary credit within ten working days of your report and settle the complaint within 90 days.
What if the bank refuses?
After 30 days without a fair answer you can complain to the RBI Ombudsman at cms.rbi.org.in. Your written complaint is the record you need.
Is the letter sent automatically?
No. You read and edit it, and nothing is emailed until you press Send.
Other refund guides
RefundPe is a free grievance desk for Indian consumers. It is not a law firm and not a recovery agency, it does not take a cut of any money you recover, and it does not promise a refund. You read and approve every letter before it is emailed.