Recovery odds: 72-hour file → ~15%. Day-30 → ~5%. Beyond → ~1%. Speed matters.

1. Within minutes — Call 1930 (National Cybercrime Helpline, 24×7).
2. Within 72 hours — File at cybercrime.gov.in → Financial Fraud → Online Gambling/Betting. Have ready: transaction ID, merchant UPI handle, screenshots, bank statement.
3. Within 7 days — Visit your bank with all docs; file NPCI UDIR chargeback (creates paper trail even if rejected).
4. Within 14 days — Written complaint to bank's nodal officer (every bank's site lists this).
5. At 30 days (if bank silent) — Banking Ombudsman at cms.rbi.org.in + RTI to your state cyber cell via AI RTI Drafter.
6. Amount > ₹50K — Lawyer (free aid via NALSA for low-income); join class actions if multiple victims of the same app.

• Treat cybercrime.gov.in as the only complaint — every step compounds.
• Skip the bank visit — it triggers internal investigation.
• Give up at chargeback rejection (normal for authorised UPI; other 5 steps still work).
• “Deposit one more time to recover” — deepens loss + legal exposure.

righttoinformation.wiki/how-to-complain-betting-app-india

RTI Wiki — April 2026. Forward freely. Bookmark for emergencies.