I'm posting on behalf of my family member who got scammed 4-5 months ago and we're still getting no updates or money back. Please help us with any advice or if anyone has been through something similar.

What happened:

Hacker got access to phone via OTP fraud

Multiple UPI transactions were made from Kotak Mahindra Bank account

Total amount lost: ₹1,19,286

All transactions happened on 21st and 22nd December 2024

What we've done so far:

Filed complaint on cybercrime.gov.in (Acknowledgement No: 31112240212440)

Reported to Kotak Mahindra Bank

Complaint filed under UPI Related Frauds

Transactions went to multiple platforms — Jio Payments, Amazon, NSDL, Paytm

Current situation:

No money recovered

Cyber crime portal not showing status updates

Bank has not taken any visible action

4-5 months have passed

What we need help with:

Has anyone successfully recovered money from similar UPI/OTP fraud?

Which approach worked — RBI Ombudsman, legal action, or something else?

Any lawyers or consumer forums that helped you?

any India-wide advice is welcome.

Please upvote so more people can see this and help 🙏