Unauthorised Transaction via Internet Banking or Mobile Banking
Someone has made an unauthorised transaction from your bank account using internet banking or mobile banking — possibly through phishing, SIM swap, or account compromise.
⚖️Your Rights Under RBI Regulations
If the fraud happened due to the bank's negligence (not your fault): zero liability — full refund.
If you reported within 3 days of receiving SMS/email alert: zero liability.
If reported within 4-7 days: max liability Rs.10,000 (for basic accounts) to Rs.25,000 (larger accounts).
Bank must credit provisional refund within 10 working days pending investigation.
💰 What You Can Recover
Full or partial refund depending on when you reported. Rs.100 per day if bank delays beyond 10 working days.
⏱ Response Deadline
Report IMMEDIATELY — every day of delay increases your liability.
📋Step-by-Step — What to Do
Call bank's helpline immediately — block internet banking and card.
File a cyber crime complaint at cybercrime.gov.in or local police.
Send written complaint to bank citing RBI/2017-18/15 — note the date/time of reporting.
If bank delays refund beyond 10 working days, escalate to Nodal Officer.
File with RBI Ombudsman if not resolved.
🏛 Where to Escalate If Bank Doesn't Respond
RBI Integrated Ombudsman + cybercrime.gov.in + Local Police (FIR)
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