Cyber Cell & Bank Nodal Officer Email Directory — With a One-Click Complaint Letter

Email is step three, not step one

When you've just been cheated, the first instinct is to write to someone — a long, angry email to the bank, a message to "the cyber cell". Hold that thought for ten minutes. An email sits in an inbox until a person opens it, and whoever took your money is usually moving it on to a second and third account within the hour.

This is the order that actually gets money frozen:

1. Call 1930, or file at cybercrime.gov.in. Your report goes into the Home Ministry's Citizen Financial Cyber Fraud Reporting and Management System, which alerts your bank and the banks that received the money so they can put a hold on whatever is still there. The Ministry says reports made this way had saved more than ₹11,158 crore by 30 June 2026.
2. Call your bank's fraud line — the numbers for 11 banks are in Tool 1 below — and block UPI, cards and net banking. Write down the complaint number they give you.
3. Then put it in writing, to your bank and to your district's cyber crime police station. A written complaint fixes your facts and the time you reported, which decides how much of the loss you may have to bear under RBI's rules, and it is what the police and banks work from when frozen money has to be released. That's what this page is for.

Tool 1: Find the official email for your district or bank

Choose your state, then your district or police unit — or choose Banks and pick your bank. You'll see the official email, phone number and address, the page it came from, and the date it was checked. Tap Write my complaint to this office and the letter in Tool 2 is addressed for you.

Right now the directory covers every police district and commissionerate in West Bengal plus Kolkata Police, all 15 Delhi Police districts, Maharashtra, all 75 districts of Uttar Pradesh, and 11 major banks. If your state isn't here yet, the national portal at cybercrime.gov.in sends your complaint to your local police for you.

Which office should you write to?

The police: your own district's cyber crime police station

Write to the cyber crime police station for the area where you live, or where the fraud happened. That station can register your complaint, ask banks to freeze the receiving accounts, and later help you get held money released.

• West Bengal has a cyber crime police station in every police district and commissionerate. Several districts are split between two or more police units, so pick the one your local police station belongs to: North 24 Parganas (Barasat, Basirhat and Bongaon police districts, plus the Barrackpore and Bidhannagar commissionerates), South 24 Parganas (Baruipur, Diamond Harbour and Sundarban), Nadia (Krishnanagar and Ranaghat), Murshidabad (Murshidabad and Jangipur), Uttar Dinajpur (Raiganj and Islampur), Hooghly (Chandannagar commissionerate and Hooghly Rural), Howrah (Howrah commissionerate and Howrah Rural), Darjeeling (Darjeeling district and Siliguri commissionerate) and Paschim Bardhaman (Asansol-Durgapur commissionerate). Inside the Kolkata Police area, write to Kolkata Police's Cyber Police Station at Lalbazar. Not sure? The state Cyber Crime Wing forwards complaints to the right unit.
• Delhi Police has a cyber police station in each of its 15 districts. Use the district your local police station falls under.
• Maharashtra Police publishes official addresses for its Commissioners and Superintendents of Police, not for each district's cyber police station. Writing to the SP or Commissioner's office is a normal route — the letter is marked "for the Cyber Police Station" and they forward it. Navi Mumbai's cyber police station publishes its own address, so it's listed directly, and Maharashtra Cyber, the state-level unit, is there for escalation. The official list still uses some old district names (Aurangabad, Osmanabad, Ahmednagar), so the directory shows both names.
• Uttar Pradesh Police publishes a direct email for 69 of its 75 district cyber crime police stations. For the other six — Prayagraj, Kannauj, Kanpur Dehat, Muzaffarnagar, Pilibhit and Sultanpur — the official list gives a broken, personal or Gmail address, so the directory shows only the phone number. Call it, or file on cybercrime.gov.in.

The bank: your own bank, not the scammer's

Write to the bank the money left from. It is your bank that decides your liability under RBI's rules, and it is your bank that raises the dispute with the receiving bank. Start with customer care. If the reply is unsatisfactory, go to the grievance redressal officer and then the Principal Nodal Officer, the senior official every bank must name for complaints. For SBI and Bank of Baroda, the directory also lists the regional nodal office for West Bengal, Delhi, Maharashtra and Uttar Pradesh, which is often quicker than head office.

Tool 2: Generate and send your complaint letter

Fill in what you know. Only your name, the amount, and the date and time are required, but the UTR number and the scammer's UPI ID make a complaint far more useful, so add them if you can — both are in the transaction details in your UPI app. The letter is written for the office you picked in Tool 1. A police complaint asks for the receiving account to be frozen and the case investigated. A bank complaint asks for your channels to be blocked, the dispute raised with the receiving bank, and your liability decided under RBI's rules.

Before you press send

• Read the letter once. A wrong date or amount slows everything down, and you can fix it right in the box.
• Attach screenshots: the debit SMS or app entry, the scammer's messages, the call log, and the payment page. Keep the originals on your phone.
• Send the bank letter from the email address registered with your bank if you can — it helps the bank match it to your account.
• Keep the reply. The complaint number and the time your bank received your report are what you'll need if you escalate.

What RBI's rules mean for your money — including the 85% compensation from 2027

You may have seen posts saying RBI now pays back 85% of small fraud losses. That's true — but it starts with transactions on 1 January 2027, and the details decide whether you get anything, so here they are without the hype.

The new rule: RBI/2026-27/167

On 24 June 2026 the Reserve Bank of India issued the Reserve Bank of India (Commercial Banks – Responsible Business Conduct) Third Amendment Directions, 2026 (circular RBI/2026-27/167), with matching directions the same day for small finance, payments, local area, regional rural and co-operative banks. They apply to electronic banking transactions made on or after 1 January 2027. The headline change is a one-time compensation for small frauds:

• you are an individual (sole proprietors included) and a genuine victim;
• your gross loss is ₹50,000 or less;
• you reported the fraud to your bank and to 1930 or cybercrime.gov.in within five calendar days;
• your bank establishes, under its own policy, that the loss is genuine.

The amount is 85% of your net loss — the loss minus anything recovered — or ₹25,000, whichever is less, once in your lifetime. A ₹20,000 loss with nothing recovered would bring ₹17,000; a ₹40,000 loss would bring ₹25,000; a ₹60,000 loss isn't covered. The bank must pay within five calendar days of your application. RBI funds most of it, and your bank and the receiving bank share the rest. The scheme covers frauds up to one year from 1 January 2027.

Until then: the three-working-day rule

For transactions up to 31 December 2026, RBI's 2017 framework still applies. If the fraud came from a breach elsewhere in the system and you report it to your bank within three working days of the bank's alert, your liability is zero. Between four and seven working days, it is capped at ₹5,000, ₹10,000 or ₹25,000 depending on the account or card. After that, your bank's board-approved policy decides. If you shared your PIN or OTP, you carry the loss until you report it. The deadline countdown in our UPI Scammer Checker works out your exact working-day deadline.

Tool 2 reads your transaction date and amount and tells you which of these applies — and, from 2027, whether your letter should claim the compensation. It adds that request to the bank letter automatically when you qualify.

If nobody replies: the escalation ladder

How this directory was built, and how to check it yourself

Every email address, phone number and street address here was copied from a page run by the police force or the bank itself, and each result links to that page. Everything was checked on 25 October 2026. I didn't take anything from "cyber cell lists" on blogs or forums: many are years out of date, and fake helpline numbers posted on such sites are one of the oldest tricks in the book.

Three rules decided what made it in:

• Official domains only. Government (gov.in, nic.in), police and bank addresses. Where an official list gives a Gmail or personal address, the directory shows the phone number instead, because "a Gmail address from the police" is exactly what fraudsters send.
• No guessing. If an address was broken on the official page — and a few were — it isn't "fixed" here.
• Old bank email domains are fine. Many Indian banks have moved their websites to the new .bank.in domain, but several still list addresses on their older domains (@sbi.co.in, @icicibank.com, @bandhanbank.com). They are the addresses the banks themselves publish.

To check any address yourself, open the source link on its result, press Ctrl+F (or "Find in page" on a phone) and search for the address. Officers move and offices change their email; if one bounces, tell me through the contact page and I'll correct it.

Your privacy on this page

Both tools run inside your browser. Your name, the amount, the scammer's ID — none of it is sent to IFSC Bank Guide or to anyone else, and none of it is saved. Close the tab and it's gone. The letter goes from your device to your own email app, and you decide whether to send it.

The only third-party code on this page is Google's advertising script, and it uses advertising cookies only if you accept them in the cookie notice. Saying no costs you nothing; both tools work either way. The full details are in the privacy policy.

Protect the phone before the next attempt

People who have been scammed once are targeted again, often within days, by the same gang or by the people who bought their number. Most UPI fraud is persuasion rather than hacking, but a compromised phone makes persuasion unnecessary: an APK file sent over WhatsApp can read your SMS and steal OTPs, and a screen-sharing app lets a stranger watch you type your PIN.

Free, official protection first

• Google Play Protect is built into Android. Check that it's on under Play Store → your profile → Play Protect, and run a scan.
• CERT-In's Cyber Swachhta Kendra lists free security tools at csk.gov.in, including C-DAC's M-Kavach 2 for Android.
• Sanchar Saathi at sancharsaathi.gov.in lets you report fraud calls and messages through Chakshu and see every mobile connection issued in your name.
• Uninstall any app a caller asked you to install, update your phone, and change your UPI PIN and net-banking password from your bank's own app.

Antivirus and VPN apps: what they do and don't do

A reputable mobile security app can block known malicious apps and phishing pages, which helps if you install apps from outside the Play Store or share a phone with family. A VPN encrypts your connection on public Wi-Fi, so someone running a fake hotspot at a station or café can't read what you send. Neither can stop you from approving a payment you've been talked into — that defence is still the pause, and reading the payee name before you enter your PIN. If you buy one, pick a well-known brand from the official app store, avoid "free VPN" apps that ask for wide permissions, and never install any security app because a caller told you to.

Questions people ask

What is the email ID of the Kolkata Police cyber cell?

Kolkata Police's Cyber Police Station at Lalbazar publishes cyberps@kolkatapolice.gov.in, with phone numbers 033-2214 3000 and 8100796519. For escalation, the Deputy Commissioner, Cyber Crime is at dccyber@kolkatapolice.gov.in. Areas outside Kolkata Police's limits — Salt Lake, New Town, Howrah, Barrackpore and so on — have their own cyber crime police stations, all listed in Tool 1.

Can I file a cyber crime complaint just by email?

Many cyber police stations accept complaints by email, and a written complaint is valuable. But an email isn't a substitute for the national report: file on cybercrime.gov.in or call 1930 as well, because that is the route banks act on to freeze money, and it gives you an acknowledgement number. Put that number in your email.

Should I complain to my bank or to the scammer's bank?

Your own bank — the one the money left from. It decides your liability under RBI's rules and raises the dispute with the receiving bank. The 1930 report alerts the receiving bank separately.

My district isn't in the directory. What now?

File on cybercrime.gov.in, which forwards your complaint to the police station responsible for your area. The portal's "Contact Us" section also lists a nodal officer for every state and union territory. More states will be added here, checked against official sources the same way.

Will the 85% compensation get my money back?

Only for frauds on or after 1 January 2027, with a gross loss of ₹50,000 or less, reported to your bank and to 1930 or the portal within five calendar days, accepted by your bank as genuine under its policy, and only once in your life. For earlier transactions, RBI's 2017 rules apply. Tool 2 tells you which applies to your date.

A "recovery agent" says he can get my money back for a fee. Should I pay?

No. Police and banks don't charge to investigate or to release frozen money, and no private agent can make them act faster. This is a well-known follow-up scam.

Is it safe to type my details into this tool?

Yes. Nothing you type is sent anywhere or stored; the letter is built on your device and handed to your own email app. Even so, never type a full card number, CVV, PIN or OTP into any website — your complaint doesn't need them.

Full directory: every office in one list

The same verified data as Tool 1, laid out as tables. Tap Use on any row to open that office in Tool 1. Source pages are listed under "Official sources" below.

Official sources

1. West Bengal Police Cyber Crime Wing — cyber crime police stations, emails and phone numbers
2. Kolkata Police — Contact Us (Cyber Police Station, DC Cyber Crime)
3. Delhi Police — district cyber police stations
4. Maharashtra Police — contacts and email IDs (Commissioners, Superintendents, IG Cyber)
5. Navi Mumbai Police — Cyber Crime Police Station
6. Uttar Pradesh Police — cyber police stations, email and mobile numbers
7. State Bank of India — contact us and grievance escalation
8. Punjab National Bank — lodge a complaint
9. Bank of Baroda — contact us (Principal Nodal Officer, fraud reporting)
10. Bank of Baroda — zonal nodal officers
11. Canara Bank — Principal Nodal Officer
12. Union Bank of India — grievance redressal
13. UCO Bank — grievance redressal officer
14. HDFC Bank — grievance redressal
15. HDFC Bank — reporting unauthorised transactions
16. ICICI Bank — contact us
17. ICICI Bank — Principal Nodal Officer
18. Axis Bank — grievance redressal officer and Principal Nodal Officer
19. Kotak Mahindra Bank — contact us and fraud reporting
20. Kotak Mahindra Bank — grievance redressal, levels 1 to 3
21. Bandhan Bank — grievance redressal
22. RBI/2026-27/167, 24 June 2026 — Commercial Banks – Responsible Business Conduct Third Amendment Directions, 2026
23. RBI press release, 24 June 2026 — revised framework for fraudulent electronic banking transactions
24. RBI circular, 6 July 2017 — limiting liability of customers in unauthorised electronic banking transactions
25. RBI Complaint Management System — Integrated Ombudsman
26. Press Information Bureau (Ministry of Home Affairs), 17 June 2021 — helpline 1930 and the 24-hour online-complaint step
27. Press Information Bureau (Ministry of Home Affairs), 22 July 2026 — more than ₹11,158 crore saved to 30 June 2026
28. National Cyber Crime Reporting Portal (Ministry of Home Affairs)
29. SEBI circular, 11 June 2025 — validated "@valid" UPI IDs for registered intermediaries
30. SEBI Check — verify a registered intermediary's UPI ID
31. SEBI SCORES — investor complaints
32. CERT-In Cyber Swachhta Kendra — free security tools
33. Sanchar Saathi (Department of Telecommunications)