Digital Fraud Hit You? Get 85% Back in 5 Days

RBI's new rules from January 2027 mean if you report digital payment fraud within 5 days, you can get back up to 85% of your lost money — capped at ₹25,000. Reporting fast is everything.

Here's what happened: RBI rules effective January 1, 2027 allow victims of electronic banking fraud to claim 85% of net loss or ₹25,000 — whichever is lower — if reported within 5 calendar days.. The 85% recovery rule applies only to transactions made on or after January 1, 2027, and requires you to lodge a formal complaint within the 5-day window.. If you delay reporting beyond 5 days, your compensation drops sharply — making speed of complaint the single biggest factor in recovering your money..

What you should do: Save your bank's 24x7 fraud helpline and RBI's 14440 number in your phone today — you'll need it within hours of any suspicious transaction.. Report any unauthorised transaction immediately via your bank's app, net banking, or branch — screenshot the complaint reference number as proof of your filing date.. Check your bank statements at least once a week so you catch any fraud transaction before the 5-day clock runs out — set up SMS and email alerts for every debit..

The 5-day window starts from the date of the transaction, not when you notice it — so weekly statement checks aren't optional anymore, they're your financial safety net.