Call Your Bank Immediately (Most Important)
Contact State Bank of India (SBI) customer care and report the fraud.
📞 SBI Helpline Numbers
1800 1234
1800 2100
1800 11 2211
Tell them:
Unauthorized UPI transaction happened
Amount ₹40,000 debited
Request to block account / freeze debit temporarily
Ask them to raise a dispute complaint
👉 The faster you inform the bank (within 24 hours), the higher the recovery chances.
2️⃣ Call National Cyber Crime Helpline (Very Important)
Immediately call the government cyber helpline:
📞 1930 (24×7)
This is the fastest way to try to freeze the fraudster’s account before money is withdrawn.
3️⃣ File Complaint Online (Official Government Portal)
Register complaint at:
🌐 cybercrime.gov.in
(Official portal of National Cyber Crime Reporting Portal)
Steps:
Select Financial Fraud
Enter transaction details
Upload proof (SMS, screenshot, bank statement)
Submit complaint
Note complaint number
4️⃣ Visit Your SBI Branch Personally
Go to your home branch with:
Documents to carry:
Aadhaar / PAN copy
Bank passbook or statement
Fraud transaction screenshot
Complaint number (from 1930 or website)
Written application
Ask bank to:
Register written complaint
Raise UPI dispute / chargeback
Provide complaint acknowledgement
5️⃣ File FIR in Police Station (Recommended)
Visit nearest police station or cyber police station and file FIR.
Mention:
UPI fraud amount ₹40,000
Date and time
Unknown beneficiary
Police FIR increases recovery chances.
6️⃣ Check Transaction Status (Important)
Sometimes money gets held in lien or pending settlement.
Ask SBI:
Whether funds are recoverable
Whether beneficiary bank contacted
Complaint reference number
💰 Can You Get Your Money Back?
Yes — recovery is possible if: ✔ Reported within 24 hours
✔ Fraudster account still has money
✔ Cyber team freezes account quickly
Many victims recover full or partial amount.
⚠️ Common Reasons UPI Fraud Happens
Sharing OTP or UPI PIN
Fake payment request (collect request)
Screen sharing apps
Fake customer care calls
Unknown links
🚨 Important Safety Tips (Future)
Never share UPI PIN or OTP
Never approve unknown collect request
Bank never asks for PIN
Avoid installing unknown apps
✍️ Sample Complaint Application to SBI
You can write:
Dear Sir/Madam,
I would like to inform you that an unauthorized UPI transaction of ₹40,000 has been debited from my SBI account on (date/time). I did not authorize this transaction.
Kindly block my account temporarily and initiate a dispute to recover the amount at the earliest.
I request you to take immediate action and provide complaint acknowledgement.
Name:
Account Number:
Mobile Number:
Signature:
⭐ Very Important Timeline
Time Reported
Recovery Chance
Within 1 hour
Very High
Within 24 hours
Good
After 2–3 days
Moderate
After 1 week
Low
👍 Extra Tip (Powerful Step)
Also email SBI:
📧 epg.cms@sbi.co.in
Attach:
Transaction screenshot
Aadhaar
Complaint letter
