Jaldi karo
Maine galti se OTP share kar diya ya link click kar diya. Kya paise wapas milenge?
Simple answer
Shayad poore nahi. RBI rules ke hisaab se, agar aapne khud OTP ya PIN bataya, toh bank ko report karne tak ka nuksaan usually aapka hota hai — uske baad ka bank ka. Bank aur 1930 ko turant batao. 1 January 2027 se chhote nuksaan par kuch compensation mil sakega.
Real-life examples
Lakshmi ne 'bank se' bol rahe caller ko OTP bata diya aur ₹40,000 kat gaye. Unhone ek ghante ke andar complaint ki. OTP khud batane ki wajah se bank ₹40,000 ke liye unhe responsible maan sakta hai, lekin complaint ke baad kata koi bhi paisa bank ka nuksaan hai.
Anil ne koi details share nahi ki thi, par ek hacked shopping website se uske card ka data chori ho gaya. Usne do working days mein bank ko bataya. Ye third-party breach hai, isliye uski zero liability hai, aur bank ko 10 working days mein paisa credit karna hoga.
Aapko kya karna chahiye?
- 1Turant bank ki official helpline par call karke card, UPI aur net banking block karao. 1930 par bhi call karo.
- 2Bank ko written complaint do (app, email ya branch). Complaint number, date aur time rakho — aapki liability isi time se decide hoti hai.
- 3cybercrime.gov.in par complaint poori karo aur acknowledgement number sambhal ke rakho.
- 4Bank se written mein paisa reverse karne ko kaho. Galti aapki thi, ye prove karna bank ka kaam hai, aur use 90 din mein complaint settle karni hogi.
- 5Bank complaint reject kar de ya 30 din mein reply na de, toh cms.rbi.org.in par RBI Ombudsman se complaint karo.
Exceptions aur zaroori baatein
- Agar fraud bank ki apni galti se hua, jaise uske system mein breach, toh late report karne par bhi aapki zero liability hai.
- Agar aapne kuch share nahi kiya aur leak kahin aur se hua, toh 3 working days mein batane par zero liability. 4–7 working days mein, account ke hisaab se nuksaan ₹5,000–₹25,000 tak limited hai.
- 1 January 2027 se (commercial banks mein) RBI ke naye rules lagenge. OTP batakar ₹50,000 tak ka nuksaan hua ho, toh 5 din mein bank aur 1930 ko batane par ek baar nuksaan ka 85% (max ₹25,000) compensation mil sakta hai.
Official legal reference
RBI circular: Customer Protection – Limiting Liability of Customers in Unauthorised Electronic Banking Transactions (6 July 2017)
Bank ki galti ya 3 working days mein bataye third-party breach par zero liability; negligence ka nuksaan report tak customer ka; 10 working days mein credit.
Reserve Bank of India (Commercial Banks – Responsible Business Conduct) Third Amendment Directions, 2026
1 January 2027 se: 5 din mein bataye third-party breach par zero liability; negligence se ₹50,000 tak ke nuksaan par ek baar 85% (max ₹25,000) compensation.
Reserve Bank – Integrated Ombudsman Scheme, 2026
Bank, NBFC ya payment company complaint reject kare ya 30 din mein reply na de, toh 90 din ke andar RBI Ombudsman se complaint kar sakte ho.
Help kahan milegi
Cyber Crime Helpline
Online fraud turant report karo taaki paisa freeze ho sake.
RBI Ombudsman
Bank ya payment app complaint solve na kare toh yahan jao.
Source aur status
- Kahan lagu
- Poore India mein
- Law lagu hua
- 6 Jul 2017
- Legal review
- Draft — lawyer review baaki hai
Yeh educational jaankari hai, aapke case ke liye legal advice nahi. Exact facts aur lagu law matter karte hain — kuch karne se pehle lawyer se baat karo.