Act within the Golden 2-Hour Window to freeze funds under Section 102 CrPC / Section 106 BNSS.
Report Kotak Mahindra Bank Unauthorized Transaction & Cyber Fraud
Immediate steps to secure your Kotak account and initiate fund recovery under RBI Zero Liability Guidelines.
Emergency Action Protocol
RBI Reporting Window
Report within 3 working days
Instant Block SMS
BLOCK <Card_Last_4_Digits> to 9971056767
Draft Your Formal Cyber Complaint
To ensure the police and Kotak take immediate action, you must submit a formally structured dispute detailing your 12-digit UTR.
Auto-Generate Kotak Dispute PDFStep-by-Step Reporting Guide for Kotak Customers
If you have been a victim of unauthorized online transactions, UPI fraud, or phishing involving your Kotak Mahindra Bank account, you must act strictly according to RBI guidelines to limit your liability.
- Immediate Call to 1930: The Government of India's National Cyber Crime Helpline operates 24/7. Dialing this number instantly alerts the beneficiary banks to freeze the suspected mule accounts.
- Block Kotak Netbanking & UPI: Use the emergency SMS format provided above or log in to the Kotak Mahindra Bank mobile app to temporarily block all debits.
- Email the Nodal Officer: A verbal complaint is not enough. You must send a written email to
fraud@kotak.comcontaining the exact transaction date, amount, and UTR reference number. - Submit Physical FIR: Generate your structured PDF draft using our utility above and submit it to your nearest local cyber police station along with your ID proof and Kotak passbook/statement.