No legal deadline is calculated here. Required trigger events are not yet recorded. Creating a record or preparing a packet does not start a statutory clock. Eligibility and current rules need checking; recovery, zero liability, reversal and takedown are not guaranteed.
Notify your bank and ask about liability protections
If a transaction was unauthorised, notify your bank promptly through its official channel. RBI protections depend on the circumstances, customer conduct and notification timing; reimbursement is not guaranteed.
Required trigger event: not yet recorded
Receipt of the bank's transaction communication, plus when the bank received your notification.
RBI customer protection circular, 6 July 2017. Check current rules and applicability with your bank.
Check official source (opens new tab)Ask your bank about provisional credit
If the RBI unauthorised-transaction framework applies, ask the bank to assess provisional credit and explain its decision. Raksha cannot promise a reversal or recovery of funds.
Required trigger event: not yet recorded
The bank's receipt of your unauthorised-transaction notification.
RBI customer protection circular, 6 July 2017, reversal provisions subject to applicability.
Check official source (opens new tab)Check eligibility for an RBI Ombudsman complaint
If your bank complaint is rejected, the response is unsatisfactory, or the applicable no-reply period has passed, check eligibility through RBI's Complaint Management System. Escalation does not guarantee reimbursement.
Required trigger event: not yet recorded
The bank's receipt of your written complaint and its reply date, or confirmed absence of a reply.
RBI Integrated Ombudsman Scheme 2021; check the current eligibility and time limits on RBI CMS.
Check official source (opens new tab)Check the process for restoring frozen funds
If authorities confirm that funds were frozen, ask about the applicable restoration process and required documents. A Raksha case ID is not an official complaint acknowledgement and does not establish eligibility.
Required trigger event: not yet recorded
Official confirmation of frozen funds and the applicable restoration instructions.
MHA Money Restoration Module. Confirm eligibility and current instructions with the responsible authority.
Check official source (opens new tab)