How to File a Cyber Fraud Complaint Online & Offline

Digital transactions have transformed financial services in India and made everyday payments faster and easier for millions of people. However, this convenience comes with risks. The rise of online banking, UPI, and digital wallets has also led to a sharp increase in multiple cyber frauds in India. In many cases, victims realise something is wrong only after the damage is done. Financial losses from deceptive online schemes continue to affect individuals and businesses nationwide, as reflected in frequent cyber fraud news.

To tackle this growing threat, the Government of India has established clear methods for citizens to file a cyber fraud complaint through various online and offline channels. In this blog, we explain how to report cyber fraud quickly and safely, so victims can act before further damage occurs.

What is cyber fraud?

Cyber fraud refers to any deceptive activity carried out using digital platforms to gain money, personal data, or other benefits. Common tactics include fake websites, phishing emails, fraudulent calls, and impersonation of banks, government agencies, or well-known companies.

With the growth of digital payments, cyber fraud cases in India have increased significantly. To address this, the Government of India launched the National Cyber Crime Reporting Portal (NCRP) on August 30, 2019 (https://cybercrime.gov.in). This platform enables citizens (victims/complainants) to file cyber-fraud complaints online. Those who prefer offline reporting can visit a cyber police station or their nearest police station with supporting documents. The Cyber Crime Helpline is 1930.

Difference between cybercrime and cyber fraud

Although often used interchangeably, these terms are different.

Cybercrime: A broad category covering all illegal activities involving computers or networks (e.g., hacking, malware attacks, data breaches, online harassment).
Cyber fraud: A specific type of cybercrime that involves deception for financial or personal gain.

For example, hacking a website is a cybercrime. Sending fake bank messages to steal money is cyber fraud.

Types of cyber frauds

Phishing: Fraudsters send emails or messages that appear to be from trusted sources, such as banks or e-commerce platforms. These messages often contain links that steal login credentials, OTPs, or card details.
UPI and payment fraud: Scammers trick victims into making instant payments through fake QR codes, payment links, or by impersonating customer support staff.
Investment scams: Fake investment schemes promise high returns on stocks, crypto, or trading schemes, but disappear once victims deposit money.
SIM swap fraud: Cybercriminals obtain duplicate SIM cards for victims by manipulating telecom providers. Once they gain control of the number, they can intercept OTPs and access bank accounts.
Credit and debit card fraud: This includes unauthorised use of stolen card details or cloned cards through skimming devices installed at ATMs.
Job and loan scams: Fraudsters promise employment or easy loans but demand advance fees for processing. After receiving the payment, they disappear without providing any service.
Ransomware attacks: Malicious software locks systems or data, and scammers demand payment to restore access. Both businesses and individuals face this growing threat.

Also Read: Fake IVR Call: What It Is and How to Stay Safe

How to report cyber fraud complaint online

Visit the NCRP portal
Click on the ‘Register a complaint’ option in the top left corner
Select ‘Financial Fraud’ (if money is involved)
Select the ‘Financial Fraud’ box again
Click on ‘File a complaint’ and give your consent by clicking on ‘I Accept’
If you are an existing user:
- Enter your login ID and mobile number
- You will receive an OTP for verification
- Enter the captcha code and click ‘Submit
If you are a new user:
- Tap on the ‘Click Here For New User’ option
- Fill in the details, such as your state, login ID (preferably an email ID), and your mobile number
- You will receive an OTP for verification
- Enter the captcha code and click ‘Submit
On the next page, fill in your user profile details and click on ‘Save and Continue’
Give the incident details, suspect details, and complainant details accurately
Click the ‘Save and Preview’ option
Cross-verify all the details entered properly to avoid any discrepancies
Tap ‘I Agree’ and then ‘Confirm and Submit’

Note down the acknowledgement number displayed on the screen for future reference.

How to report cyber fraud offline

If you cannot access the internet, you can still file a complaint:

Visit the nearest cyber police station or local police station
Submit a written complaint with supporting evidence
Provide bank details, transaction proof, and identity documents

For urgent cases, call the toll-free cyber fraud helpline number: 1930. This cyber fraud helpline connects you to state cyber cells that can help block suspicious transactions and guide you on immediate steps.

Requirements for filing a cyber fraud complaint

Provide a detailed description of the incident with the exact date and time.
Attach a valid ID proof such as Voter ID, Driving Licence, Passport, PAN, or Aadhaar (JPEG/PNG format, up to 5 MB).
Mention the name of the bank or wallet provider involved, along with the transaction or UTR number, date, and amount lost.
Include supporting evidence like screenshots, suspicious messages, emails, chats, or bank statements showing unauthorised activity (files up to 10 MB each).
If available, share the suspect’s website URL, social media handle, contact or bank details, and photo or address (JPEG/PNG, up to 5 MB).

How to avoid cyber fraud

Never click on unknown links from SMS, emails, or messaging apps
Verify the sender’s identity before responding to messages or calls
Do not share OTPs, PINs, passwords, or card details with anyone
Use strong, unique passwords and enable two-factor authentication
Keep antivirus software and operating systems regularly updated
Download apps only from official app stores
Monitor bank statements regularly and report any suspicious activity
Stay cautious of urgent requests that create panic
Contact organisations only through verified official channels
Educate family members, especially senior citizens, about common scams and frauds

Also Read: Call Merging Scam: What it is and How to Stay Safe

Cyber fraud is a serious challenge in India’s digital economy, but quick action can reduce losses. Government platforms and the cyber fraud helpline make it easier for victims to file a cyber fraud complaint online or offline, regardless of technical expertise. Timely cyber fraud reporting improves the chances of fund recovery and helps authorities track emerging threats. Staying informed, following safe digital practices, and reporting suspicious activity promptly are key to protecting yourself and others.

Frequently asked questions

How to report cyber fraud in India?

You can file a complaint on the National Cyber Crime Reporting Portal at https://cybercrime.gov.in or call the cyber fraud helpline number - 1930. Alternatively, an offline option is available at cyber police stations or local police stations, which will then transfer the cases to the cyber cell.
What should I do immediately after discovering fraud?

Contact your bank immediately to block accounts or cards, change passwords, call the cyber fraud helpline, and file a complaint while the details are fresh.
How do I report cyber fraud if I don't have internet access?

Visit the nearest cyber police station or local police station with a written complaint and supporting evidence. Officers will assist you with the process.
Can I track my complaint status online?

Yes. Use your acknowledgement number on the NCRP portal’s status page to check updates.
What information is required for a complaint?

Provide detailed incident descriptions, your name, contact details, ID proof, and evidence like transaction receipts, URLs, or SMS screenshots.