Help & staying safe
Call 1930 — official cyber helplineFree, government-run. Call them first for any fraud.Know your rights — the 2026 freeze ruleThe time limits, the 90-day cap, and what to demand.Official websites
Stay safe from scammers
- Never pay anyone who promises a fast unfreeze. No one can promise it. Official routes are free.
- Never share your OTP, UPI PIN or passwords.
- Banks and police never ask for money to release your account.
- Unhold never contacts your bank for you — you send everything yourself.
Bank words, in plain words
debit freeze
Money can come in, but nothing can go out.
lien
The bank blocked a fixed amount, not the whole account.
GRM
The government complaint system for wrongly frozen accounts.
MRM
The government route to get defrauded money back.
NCRP number
Your cybercrime complaint number (14 digits).
L1 / L2 / L3
Letter 1, 2, 3 — each one goes to a higher officer.
IO
The police officer handling the complaint behind your freeze.
nodal officer
A senior bank officer who handles complaints the branch ignored.