1. T+10 sec — lands in mule UPI in a Tier-3 city.
2. T+5 min — split across 4–5 mule accounts.
3. T+1 hour — pushed to a crypto wallet.
4. T+4 hours — exits India as USDT/BTC. Operationally unrecoverable.

Complain in this order:

1. Call 1930 (National Cybercrime Helpline) — real-time freeze possible.
2. File at cybercrime.gov.in — choose “Online Gambling/Betting Fraud”.
3. Visit your bank with screenshots — request merchant-flag.
4. Bank Grievance if no response in 7 days — escalate to Banking Ombudsman at cms.rbi.org.in if no response in 30 days.

• Charge-back fails for authorised UPI. The cyber-cell freeze is your real tool.
• Recovery rate at 72 hours: ~15%. At 30 days: ~5%. After: ~1%. Speed = money.
• NEVER “deposit one more time to recover” — it deepens the loss + legal exposure.

righttoinformation.wiki/upi-gambling-fraud-india

RTI Wiki — citizen-first legal content. April 2026. Forward to your IPL WhatsApp group.