How to Freeze or Reverse a Fraudulent UPI, Bank, or Card Transaction in India
- Shubham Kumar
- May 11
- 3 min read
Scammers are becoming increasingly sophisticated in today’s fast-paced digital world—especially in India’s thriving fintech and online banking space.
Whether it’s a UPI fraud, unauthorised debit card transaction, or a suspicious bank transfer, acting fast is your best chance to freeze or recover the money.
This blog offers a complete, app-wise and bank-wise guide on how to freeze a Bank or Card Transaction in India.
🕒 Why Immediate Action is Crucial
Banks and payment systems in India operate in real-time. Most transactions—especially UPI and IMPS—settle instantly. But if you report the issue within the first few minutes to hours, there's still a chance to:
Freeze the scammer’s bank account
Raise a dispute with your bank
Get a refund via RBI’s “Zero Liability” policy
✅ Immediate Steps to Take After a Fraudulent Transaction
Take a screenshot of the transaction (with time and reference ID).
Note down the scammer’s phone number, UPI ID, or bank details.
DO NOT engage with the scammer again.
Contact your UPI app/bank/card issuer immediately.
File a complaint at cybercrime.gov.in and call 1930.
Now, let’s break down how to freeze or report the transaction for every major app and financial service in India:
💳 How to Report a Fraudulent UPI Transaction (App-Wise)
1. PhonePe
Open the PhonePe app
Tap “Help” at the bottom of the transaction in question
Select “Report a problem” → “I did not authorize this payment”
You’ll be guided to submit a fraud report within the app
📞 PhonePe Customer Support: 080-68727374 / 022-68727374🌐 https://support.phonepe.com
2. Google Pay (GPay)
Open GPay
Go to Activity
Tap the fraudulent transaction → Tap “Need Help?”
Select “Report Payment Issue” and fill the form
📞 GPay 24x7 Helpline: 1-800-419-0157🌐 https://support.google.com/pay
3. Paytm
Open Paytm app
Go to “24x7 Help” → “Report a Fraud”
You can also open the transaction → Scroll to “Need help?”
Choose “Unauthorized Transaction” and raise a ticket
📞 Paytm Bank Helpline: 0120-4456-456🌐 https://paytm.com/care
4. BHIM App
Open BHIM
Tap on the disputed transaction
Click “Raise Concern”
Choose “Incorrect Debit/Unauthorized” and follow the prompts
📞 BHIM Helpline: 1800-120-1740🌐 https://www.bhimupi.org.in
5. Amazon Pay UPI
Open the Amazon app
Go to “Your Transactions”
Tap the transaction → Scroll to “Need Help?”
Report the issue with full details
📞 Amazon Pay Support: 1800-3000-9009
6. Mobikwik
Go to the Mobikwik App
Visit Transaction History
Tap the disputed payment → Click “Raise an Issue”
📞 Mobikwik Support: 011-61266390🌐 https://www.mobikwik.com/help
7. Cred or Slice (for Credit-based UPI)
Use the in-app support to flag unauthorised transactions immediately
Follow up with email support or call to initiate account freeze if needed
🏦 How to Report a Fraudulent Transaction to Indian Banks
🔐 Common Steps (Applicable to Most Banks)
Call the bank’s 24x7 fraud helpline
Block your account temporarily if needed
Submit a written complaint with the transaction ID
Ask them to initiate a reversal/dispute under RBI’s zero liability policy
Here are the direct links and numbers for major banks in India:
1. State Bank of India (SBI)
📞 Toll-free: 1800-11-1109🌐 https://crcf.sbi.co.in → Report fraud online👉 SBI YONO users can also block accounts via app
2. HDFC Bank
📞 1800-202-6161 or 1860-267-6161🌐 https://www.hdfcbank.com/personal/faq/report-fraud👉 Use the HDFC app → Go to "Help & Support"
3. ICICI Bank
📞 1860-120-7777🌐 https://www.icicibank.com👉 Net banking → Services → Dispute Transaction
4. Axis Bank
📞 1860-419-5555🌐 https://www.axisbank.com/support👉 Log into net banking or app → Report suspicious activity
5. Kotak Mahindra Bank
📞 1860-266-2666🌐 https://www.kotak.com👉 Go to "Raise Dispute" under your transaction history
6. Punjab National Bank (PNB)
📞 1800-180-2222🌐 https://www.pnbindia.in👉 Visit branch if online doesn’t work promptly
7. Bank of Baroda
📞 1800-102-4455🌐 https://www.bankofbaroda.in
8. Yes Bank, IDFC, IndusInd, Federal Bank
All offer mobile support + email channels
You can request to freeze the receiver’s account upon providing transaction details
💳 How to Dispute Credit/Debit Card Fraud
If your card was used without permission, follow these steps:
Block your card immediately (via app, SMS, or helpline)
Raise a dispute form for unauthorized transaction
Ask for chargeback process (if applicable)
File a police complaint with bank acknowledgment copy
Helpful Tip: RBI mandates banks to reverse unauthorized transactions if you report within 3 working days.
🛑 Important Tools and Links
Tool | Link |
Cyber Crime Complaint | |
Report to RBI Ombudsman | |
UPI Complaint Portal | |
Aadhaar Lock/Unlock |
🧭 Final Words: Be Quick, Stay Informed
Most scam victims don’t act in time because they’re overwhelmed. But remember—you can act within hours and often reverse or freeze the money if you follow the correct channels quickly.
If you’ve been scammed:
Don’t panic.
Document everything.
Report to both your financial service provider and the cybercrime portal.
Share your experience to help others avoid the same mistake.
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