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🚨 Important Information
Cybercrime victims will no longer need to visit multiple offices or banks to recover their frozen funds.
The Ministry of Home Affairs (I4C) has officially launched the new "Money Restoration Module" (MRM) under the National Cyber Crime Reporting Portal (NCRP). Citizens can now file their refund requests directly from the comfort of their homes.
*🔹 Key Eligibility & Legal Guidelines:*
*1️⃣ This portal (MRM) is strictly for victims who registered their complaint immediately via the 1930 Helpline or the NCRP portal and possess a 14-digit Registered Acknowledgement Number.*
*2️⃣ This module applies ONLY to cases where the defrauded money has been successfully 'Held' (Frozen) in the scammer's bank account.*
*⚠️ Important Note: This portal cannot process refunds if the criminals have already withdrawn or siphoned off the cash from the bank accounts.*
*⚖️ Categorized Rules for Fund Refund:*
*To ensure total transparency, the refund process is divided into three distinct legal categories based on the frozen amount:*
*Category 1 (Up to ₹50,000 frozen in a single bank account): If the held amount is up to ₹50,000 in one bank account, NO FIR or Court Order is required. The money will be refunded directly based on the Police Report/Indemnity Bond via the MRM portal.*
*Category 2 (Total amount exceeds ₹50,000, but is less than ₹50,000 per individual bank account): If the total frozen amount is more than ₹50,000 but distributed across different bank accounts (and does not exceed ₹50,000 in any single bank account), NO FIR or Court Order is required. A swift refund will be processed based on the police report.*
*Category 3 (More than ₹50,000 frozen in a single bank account): If the held amount exceeds ₹50,000 in a single bank account, lodging an FIR (First Information Report) is mandatory under the rules. Once the FIR is registered, the entire remaining legal refund process will be completed through this MRM portal.*
*💻 Online Application Process (5 Simple Steps):*
🔹 Step 1: Visit the official portal: mrm-ncrp.mha.gov.in
*🔹 Step 2: Click on 'Citizen Login' and log in using the mobile number registered in your original NCRP complaint via OTP.*
*🔹 Step 3: Go to 'Raise Refund Request', enter your 14-digit Complaint ID, and verify it with the OTP. The frozen amount will automatically display on the screen.*
*🔹 Step 4: Upload your PAN Card and enter the Bank Account Number and IFSC Code of the bank account where you wish to receive the refund.*
*🔹 Step 5: Tick the declaration checkbox and click Submit. Save the Unique Request ID (MR2026...) generated to track your application status.*
*👮 Legal Action by Police:*
*After the victim submits the request, the designated police team will upload the required Indemnity Bond/Notice on the portal as per the legal provisions of Section 106(3) BNSS.
Following this, the concerned bank will restore the funds directly to the victim's bank account.
*📢 : If you face any technical difficulties while generating the request, a step-by-step 'User Manual Guide' is available for download on the official link.
*👉 Beware of Middlemen: This entire process is 100% free, secure, and transparent. Never pay money to any unauthorized individual promising a refund.*
*👉 Help Desk Support: If you encounter any persistent errors while filling out the online form, visit your nearest police station or the district Cyber Cell for free assistance.*
In case of cyber fraud, immediately Call the 1930 or report at cybercrime.gov.in
FIU-IND Cyber Crime Coord MoU https://drive.google.com/file/d/1gHFTN17jMA8Zwl5djRplereOOk0XMZau/view?usp=sharing
12. April 8, 2026, Total 9 Draft Directions issued by RBI including. Statutory, Concurrent Audit, Compliance, Digital Payment, Cybersecurity, Fraud Risk, Internal Audit, Supervisory Returns etc.
https://m.rbi.org.in/Scripts/BS_ViewREwiseDraftDirections.aspx
Please click here for details 1 Please click here for details 2
1. RBI Booklet on Financial Frauds Raju Thieve for details please click here
2. RBI Cyber Security Framework in Banks 2.6.2016 for details please click here
3. RBI new rules for digital payments from April 1, 2026 https://www.indiatoday.in/information/story/rbi-new-rules-for-digital-payments-from-april-1-explained-2888621-2026-03-29
4. Basic Cyber Security Framework for Primary (Urban) Cooperative Banks (UCBs) 19.10.2018 for details please click here
5. RBI Compliance and the RBI Cyber Security Framework 25.5.2023 https://www.endpointprotector.com/blog/rbi-compliance-and-the-rbi-cyber-security-framework/#:~:text=The%20CCO%20must%20have%20a,Regional%20Rural%20Banks%20(RRBs) .
6. Cyber Security Laws and Regulations by RBI for Banks in India 27.4.2025 a post on LinkedIn by Mr Rana singh https://www.linkedin.com/pulse/cyber-security-laws-regulations-rbi-banks-india-shubhakanta-ranasingh-9vf4c/
7. 18.3.2025 Press Release for Various measures have been taken by the government to strengthen cyber security in the financial sector for details please click here
8. RBI Master Direction on Cyber Resilience and Digital Payment Security Controls, 2024
a) For details click here b) for details click here
9. Cyber Security Framework in Banks 2.6.2016
10. RBI all Master direction are available at https://www.rbi.org.in/Scripts/BS_ViewMasterDirections.aspx
11. RBI (IT Technology Governance Risk Controls and Assurance Practices) Directions 2023 7.10.2023 for details please click here
12. Exploring safeguards in Digital Payments to curb frauds for details please click here
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