What to do after a UPI or OTP fraud
Act quickly. Call 1930 if the transfer is recent. Lodge a complaint on cybercrime.gov.in. Write to the bank with the UTR, amount, and time. Save SMS, screenshots, and call recordings.
Do not pay a stranger who claims to reverse the UPI. Do not factory-reset the phone if forensic questions may arise.
Recovery depends on whether the funds can still be traced. No website can promise that the money will return.