Help & staying safe
Call 1930 — official cyber helplineFree, government-run. Call them first for any fraud.Understand the restriction and your next stepWhat to ask the bank, which authority to contact, and what proof to keep.Lost your case on a new phone?Open with case code + recovery code →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
A grievance-handling term used by banks and authorities. A staff login is not a public citizen filing portal.
MRM
An official money-restoration workflow for eligible cyber-fraud victims, not a general account-unfreeze route.
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.