Banking & Financial · URGENCY: HIGH
Money Restoration After Financial Cyber Fraud
Where an eligible amount from your cyber-fraud complaint has been held or frozen in a beneficiary account, the official Money Restoration process (MRM-NCRP) lets an eligible complainant submit a restoration/refund request using the 14-digit NCRP acknowledgement ID. Restoration is not guaranteed and depends on eligibility and the applicable official process.
Money Restoration is the official facility to request return of funds that were successfully put on hold after a timely cyber-fraud report. It works off your original NCRP complaint — so keep the acknowledgement ID safe — and is subject to verification and the competent authority’s process.
What to do now
- Keep the 14-digit NCRP acknowledgement ID from your original complaint.
- Open the official Money Restoration portal and complete OTP verification.
- Submit and then track a restoration request if your case is eligible under the official process.
How the restoration request works
- 01
Locate your NCRP acknowledgement ID
The 14-digit acknowledgement ID issued when you registered the complaint is required to start the refund-request process.
- 02
Verify your identity
Complete the OTP verification requested by the official portal on your registered contact.
- 03
Submit the restoration request
If the case and amount are eligible under the applicable process, submit the request on the official Money Restoration portal.
Money Restoration Portal (MRM-NCRP) - 04
Track the request
Use the official tracking facility to check status. If your own account gets restricted in the process, follow the bank-grievance route.
Documents to keep available
- 14-digit NCRP acknowledgement ID
- Access to the OTP on your registered contact method
- Transaction records and any supporting documents the official process asks for
Requirements may vary by case and authority.
What not to do
- Do not assume restoration is guaranteed.
- Do not pay private parties to access what is a free official process.
- Do not share your acknowledgement ID or OTP with unknown callers.
Frequently asked questions
What is the Money Restoration Module (MRM)?
It is the official NCRP facility that lets an eligible complainant submit a restoration/refund request where the applicable conditions are met, using the original complaint’s acknowledgement ID.
Will I definitely get my money back?
No. Restoration depends on eligibility, traceability of funds, the investigation and the applicable official process — it is not guaranteed.
Official resources
When professional assistance may be appropriate
Where an issue significantly affects your legal position, banking access, livelihood or business, or involves a notice, investigation or multiple jurisdictions, consider advice from an appropriate qualified professional.
Relevant professional types: Cyber crime lawyer · Banking lawyer
Need help with this issue?Sources: NCRP Money Restoration Portal / I4C · MHA SOP for NCRP-CFCFRMS (02.01.2026)
Last reviewed: 30 August 2026. This independent guide is general information, not legal advice, and does not control official investigations or processes.