Deposited on a platform promising high returns
Fake Investment App
RBI's 3-day window does not apply here, but the criminal route (FIR) is stronger.
What you should know
Different legal route
You authorised each transfer, so RBI's 3-day zero-liability does not directly apply. The criminal route is stronger, and we will pursue it.
BNS §318 appliesSEBI applicable
Why an FIR is essential
Without an FIR, no recovery is possible. With one, your bank, RBI Ombudsman, and SEBI can all act.
The bank's AML duty
Multiple structured transfers to the same unregistered account over weeks is exactly what the bank's AML system should have flagged under RBI's KYC Master Direction 2016. That is your bank-side claim.
Ombudsman complaint
Do NOT do these
- Pay any "recovery" fee or middleman
- Share OTP, PIN, or CVV with anyone
- Delete messages, calls, or screenshots
- Deposit more to "unlock" your funds