Legal Q&A · Cyber Law
Money was taken from my account through a fraudulent link. Will I get it back?
Question
I clicked a link in a message that looked like it came from my bank and money was debited from my account. What should I do, and is there any chance of getting the money back?
Answer
Act immediately. Call the National Cyber Crime Helpline on 1930, file a complaint at cybercrime.gov.in, and inform your bank in writing so it can block the account and dispute the transaction.
Quick reporting improves the chance that the amount is frozen in the recipient accounts. Under RBI rules on customer liability for unauthorised electronic transactions, your liability may be limited or nil depending on how promptly you report and the circumstances. Recovery of frozen amounts generally requires following up through the proper legal process.
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