MRM Portal: How to Recover Money Lost in Cyber Fraud, Eligibility, Apply Online & Track Refund

Every day, thousands of Indians become victims of cyber financial fraud. Criminals use UPI scams, fake investment schemes, phishing links, OTP fraud, digital arrest calls, and other online tricks to steal money. Although many victims report these incidents quickly, getting the stolen money back has traditionally been a lengthy and complicated process involving banks, police authorities, and multiple legal procedures.

According to information shared by the Ministry of Home Affairs during the launch of the Money Restoration Module (MRM), cyber financial fraud complaints reported between April 2021 and November 2025 involved losses of over Rs. 52,969 crore. During this period, authorities successfully froze around Rs. 7,647 crore, but only about Rs. 167 crore had been restored to victims. These figures highlighted the need for a faster and more transparent money restoration system.

To simplify this process, the Indian Cyber Crime Coordination Centre (I4C) under the Ministry of Home Affairs (MHA) launched the Money Restoration Module (MRM) in June 2026. Available at mrm-ncrp.mha.gov.in, the portal enables eligible cyber fraud victims to submit an online money restoration request for frozen funds linked to their cybercrime complaint. Instead of relying entirely on manual procedures, eligible applicants can now track and manage the restoration process through a single government platform.

Quick Facts About MRM Portal

Who Can Use the MRM Portal?

The Money Restoration Module (MRM) is designed for eligible victims of cyber financial fraud. However, not every cybercrime complaint qualifies for money restoration. The portal can be used only when certain conditions are met during the investigation.

You can submit a money restoration request through the MRM portal if all of the following conditions apply:

• You reported the cyber financial fraud through the 1930 Cyber Helpline or the National Cyber Crime Reporting Portal (cybercrime.gov.in) as soon as the incident occurred.
• Your complaint was successfully registered, and you received a valid NCRP Acknowledgement Number.
• During the investigation, banks or payment intermediaries successfully placed the fraudulent amount on hold or froze the funds before they were completely withdrawn or transferred.

You may not be able to use the MRM portal if:

• The fraud amount could not be traced or frozen because it had already been withdrawn or transferred.
• You never reported the incident through the 1930 helpline or the National Cyber Crime Reporting Portal.
• Your complaint does not have a valid NCRP Acknowledgement Number.

Simply reporting a cyber fraud does not automatically make a victim eligible for money restoration. The MRM portal primarily facilitates the restoration of funds that have already been successfully put on hold or frozen during the investigation.

Why Reporting Cyber Fraud Immediately Matters

Time is the most important factor in recovering money lost to cyber fraud. Fraudsters often transfer stolen funds through multiple bank accounts or payment channels within minutes. The sooner a complaint is registered, the greater the chances that banks and law enforcement agencies can freeze the transaction before the money disappears.

This rapid response period is commonly referred to as the "Golden Hour" in cybercrime investigations. Victims are therefore advised to report financial cyber fraud immediately by calling 1930 or filing a complaint on the National Cyber Crime Reporting Portal.

Several real-life cases handled by law enforcement agencies have shown that prompt reporting can help authorities freeze substantial amounts before they are withdrawn. On the other hand, delayed reporting significantly reduces the possibility of tracing and freezing the stolen funds.

If no amount could be frozen during the investigation, the MRM portal generally cannot process a money restoration request because there are no recoverable funds available for restoration.

Step 1: Report the Cyber Fraud and Obtain Your NCRP Acknowledgement Number

Before you can submit a money restoration request through the MRM Portal, you must first register your cyber financial fraud complaint. The portal accepts only complaints that have already been recorded under the National Cyber Crime Reporting Portal (NCRP).

Once your complaint is successfully registered, you will receive an NCRP Acknowledgement Number. This unique reference number is mandatory for accessing the Money Restoration Module and tracking your restoration request.

If you have not reported the fraud yet, use either of the following official channels immediately:

• Call 1930: Dial the National Cyber Crime Helpline as soon as you notice the fraudulent transaction. Be ready to provide details such as your name, mobile number, bank account or UPI transaction details, the amount lost, and how the fraud occurred. Prompt reporting helps banks and law enforcement agencies initiate action to trace and freeze the funds.
• Report online at cybercrime.gov.in: Visit the National Cyber Crime Reporting Portal, select the option to report a financial cyber fraud, and complete the complaint form with accurate transaction details. After successful submission, your NCRP Acknowledgement Number will be generated. Keep this number safely, as it is required throughout the money restoration process.

Whether you report the incident through the 1930 helpline or the National Cyber Crime Reporting Portal, both channels are integrated with the government's cyber financial fraud response system, enabling banks and investigating agencies to take timely action.

Money Restoration Categories: When Is an FIR Required?

The Ministry of Home Affairs has introduced different money restoration procedures based on the amount frozen and the number of beneficiary bank accounts involved. Your category determines whether an FIR is required before your money restoration request can proceed.

If your case falls under Category 3, you should first ensure that an FIR has been registered with the concerned police authorities. Once the FIR details are available, you can continue the money restoration process through the MRM Portal as per the applicable procedure.

How to Submit a Money Restoration Request on the MRM Portal

Once your cyber fraud complaint has been registered and you are eligible for money restoration, you can submit your request through the Money Restoration Module (MRM) by following these steps.

1. Log in to the MRM Portal.
   Visit mrm-ncrp.mha.gov.in and click on Citizen Login. Enter the same mobile number that was used while reporting your cyber fraud complaint through the 1930 helpline or the National Cyber Crime Reporting Portal. Verify your login using the OTP sent to your registered mobile number.
2. Select "Raise Refund Request".
   After logging in, click on Raise Refund Request. Enter your NCRP Acknowledgement Number and complete OTP verification to retrieve your complaint details.
3. Verify the complaint and frozen amount details.
   The portal will display your complaint information, including the reported debit transactions and the amount that has been successfully put on hold or frozen. Carefully verify all details before proceeding.
4. Provide your refund bank account details.
   Enter the bank account where you want the restored amount to be credited. You may use the same account from which the money was debited or provide another bank account by entering the account number and IFSC code. If your case requires a court order, upload the document in the prescribed format.
5. Upload the required documents.
   Upload the documents requested by the portal, such as your PAN card or any other supporting documents applicable to your case. Ensure that all uploaded files are clear and readable.
6. Review and submit your request.
   Enter the security captcha, read the declaration carefully, tick the confirmation checkbox, and click Submit to complete your money restoration request.
7. Save your Money Restoration Request ID.
   After successful submission, the portal generates a unique Money Restoration Request ID, which generally begins with MR. This reference number is also sent to your registered mobile number and email address. Keep it safely, as it is required to track the status of your application.

Documents Required for Money Restoration Request

Keep the following information and documents ready before submitting your request through the MRM Portal:

• NCRP Acknowledgement Number
• Registered mobile number linked with the complaint
• Bank account details (Account Number and IFSC Code)
• PAN Card or any other document requested by the portal
• Court Order, if applicable to your case
• Any additional supporting documents required by the investigating agency

What Happens After You Submit Your Money Restoration Request?

After you successfully submit your money restoration request, the verification and approval process is handled by the concerned investigating agency and the bank. You can monitor the progress through the MRM Portal using your Money Restoration Request ID.

• Application Verification: The concerned police officer verifies your complaint details, the frozen amount, and the documents submitted through the portal.
• Legal Documentation: Depending on the category of your case, the investigating officer uploads the required legal documents, such as the prescribed notice or indemnity bond, in accordance with the applicable provisions of the Bharatiya Nagarik Suraksha Sanhita (BNSS) and other relevant procedures.
• Bank Processing: After all required approvals and legal formalities are completed, the concerned bank processes the money restoration request and transfers the eligible amount to the bank account provided by the applicant.
• Status Updates: The MRM Portal keeps you informed about important milestones in your application. You may also receive notifications on your registered mobile number and email address whenever there is a significant update.

The time required to complete the restoration process may vary depending on the investigation, bank verification, legal requirements, and the complexity of the case. Therefore, applicants should regularly check the status of their request through the MRM Portal instead of submitting multiple applications for the same complaint.

How to Track Your Money Restoration Request Status

After submitting your money restoration request, you can check its latest status online through the MRM Portal. You will need the Money Restoration Request ID that was generated after your application was successfully submitted.

1. Visit the MRM Request Tracking page.
2. Enter your Money Restoration Request ID (generally beginning with MR).
3. Submit the required details, if prompted, and view the latest status of your application.

If you cannot find your Request ID, log in to the MRM Portal using your registered mobile number to view your submitted requests and retrieve the reference number.

What Do Different Application Statuses Mean?

What If Your Bank Account Has Been Wrongly Frozen?

Not every bank account frozen during a cybercrime investigation belongs to a fraudster. In some cases, genuine customers may find their bank account or a specific transaction placed on hold as part of an ongoing investigation. If you believe your account has been wrongly frozen, the Money Restoration Module (MRM) is not the appropriate platform because it is meant only for eligible victims seeking restoration of frozen cyber fraud funds.

For account-freezing related grievances, you should contact your bank immediately and follow the procedure advised by the bank and the investigating agency.

• Visit your bank branch as soon as you become aware that your account has been frozen or debit transactions have been restricted.
• Inform the bank that you believe your account has been wrongly frozen and request guidance on the applicable grievance or review process.
• Carry valid identity proof, account details, and any documents that may help establish the source of the disputed transaction.
• The bank may verify your KYC records, account activity, and transaction history before forwarding the matter to the concerned investigating agency, wherever required.
• The final decision regarding removal of the freeze depends on the findings of the investigating agency and the applicable legal procedure.

Important Safety Tips for MRM Portal Users

Cyber criminals sometimes target people who have already reported financial fraud. They may pretend to be bank officials, police officers, cybercrime officers, or recovery agents and falsely promise to help you recover your money. Always verify any communication before sharing personal information.

• The MRM Portal is free to use. No government department charges a fee for submitting a money restoration request. Anyone demanding money to process or expedite your application is likely attempting to scam you.
• Use only the official government website. Always access the portal through https://mrm-ncrp.mha.gov.in. Avoid clicking on links received through SMS, email, WhatsApp, or social media unless you have verified that they belong to the official government domain.
• Never share OTPs or confidential banking credentials. Government officials, banks, and the MRM Portal will never ask you to disclose your OTP, ATM PIN, internet banking password, or UPI PIN over a phone call or message.
• Avoid agents and middlemen. You can submit your money restoration request yourself through the official portal. Be cautious of anyone claiming that they can recover your money faster in exchange for a fee.
• Keep your complaint details confidential. Share your NCRP Acknowledgement Number and Money Restoration Request ID only with authorised officials whenever required during the investigation.
• Need assistance? If you face any difficulty while using the portal, contact the concerned cyber police station, investigating officer, or your bank instead of relying on unofficial sources.

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