The MRM Portal (Money Restoration Portal) helps victims of cyber financial fraud request the restoration of money that banks and authorities have traced and identified for possible return. The portal operates under the Indian Cybercrime Coordination Centre (I4C), Ministry of Home Affairs.
If you lost money through UPI fraud, an online scam, or another cyber financial fraud, you can use the official MRM Portal to submit a refund request when the facility is available for your complaint. You must first report the fraud and keep your NCRP acknowledgement ID ready.
What Is the MRM Portal?
The Money Restoration Module (MRM) provides a process for victims to request the return of money linked to reported cyber financial fraud. It supports coordination between victims, investigating officers and banks to help restore eligible funds.
When a victim reports a financial cyber fraud, authorities may trace the transaction and take steps to hold the suspected money through the banking system. The bank then examines the available funds and identifies the amount that may be eligible for restoration. The investigating officer verifies the claim before the process moves forward.
The Ministry of Home Affairs made the MRM functional in April 2026. The portal does not guarantee a refund in every case, and the amount restored may be lower than the amount lost.
Official MRM Portal: https://mrm-ncrp.mha.gov.in/
Who Can Apply Through the MRM Portal?
You may submit a money restoration request if you have reported cyber financial fraud and your complaint has money that authorities can consider for restoration. The portal and concerned authorities will verify your case before proceeding.
- You have a registered cybercrime complaint and its NCRP acknowledgement ID.
- Your complaint is linked to funds identified for possible restoration.
- You can provide the required PAN card and bank account details.
- You can complete OTP verification and other formalities required by the portal.
Having a complaint acknowledgement number does not automatically make you eligible for a refund. Authorities must verify the available funds and establish the rightful claimant.
How to Apply Online for Money Restoration on the MRM Portal
Follow these steps to raise a refund request. The process is easier if you keep your complaint details, PAN card and bank account information ready beforehand.
Step 1: Report the Cyber Financial Fraud
If you have not reported the incident, visit the National Cyber Crime Reporting Portal and register your complaint. You can also call the cyber financial fraud helpline at 1930 for assistance with reporting.
After registration, save the NCRP acknowledgement ID issued for your complaint. You will need this number to raise a money restoration request.
Official website: https://cybercrime.gov.in/
Step 2: Open the Raise Refund Request Page
Visit the Raise Refund Request page. Enter the 14-digit NCRP acknowledgement ID associated with your complaint, fill in the captcha and request an OTP.
Enter the OTP as instructed to verify your details and proceed with the application.
Direct link: https://mrm-ncrp.mha.gov.in/raise-request
Step 3: Check Your Complaint and Refund Details
After verification, the portal displays the relevant complaint summary and debit details. Check the information carefully before moving to the refund section.
Under “Refund Account Details,” the portal shows the account information relevant to the restoration request. Follow the available instructions to confirm the details or provide another bank account, where permitted. Enter the correct account number and IFSC code if the portal asks for them.
If you have a relevant court order, you can upload it through the “Select Court Order” option when applicable.
Step 4: Upload Your PAN Card
Upload a copy of your PAN Card in the required section. Complete any additional fields, remarks or declarations displayed by the portal.
Read the declaration before accepting it. The official user manual also describes an indemnity bond, under which the victim undertakes to produce the restored amount before the court when required and comply with further court orders. Follow the applicable instructions for your case.
Step 5: Submit the Refund Request
Review all the details, complete the captcha and submit the application. Check that the portal confirms successful submission.
The portal generates a unique 14-digit request ID beginning with MR and sends it to your registered mobile number and email address. Save this ID for future reference.
Enter accurate details throughout the process. Incorrect information may delay the request or lead to rejection.
Step 6: Track Your Money Restoration Request
Open the Track Your Complaint page. Enter the requested complaint details and captcha, then complete OTP verification if prompted. Review the status information displayed by the portal.
Direct status tracking link: https://mrm-ncrp.mha.gov.in/track-complaint
Remember: Your NCRP acknowledgement ID identifies the original cybercrime complaint, while the MR-prefixed request ID identifies the money restoration request. Keep both numbers safe.
Documents and Details Required for an MRM Refund Request
- NCRP acknowledgement ID: The number issued when you registered the cybercrime complaint.
- PAN card: A copy of your PAN Card.
- Bank account details: The details required to receive the restored amount.
- Registered mobile number: Access to the number used for OTP verification.
- Court order: If applicable to your case.
- Indemnity bond or other formalities: Where required by the applicable procedure.
What Is the Restorable Amount on the MRM Portal?
The restorable amount is the money that the bank identifies as available and eligible for return to the rightful victim. It may be lower than the total amount lost in the cyber fraud.
Example: Suppose you lose ₹50,000 in an online scam. The bank may find that only ₹30,000 remains available and can be linked to your complaint. In that situation, ₹30,000 may be considered for restoration, subject to verification and the applicable procedure.
The bank examines the available balance and transaction records, while the investigating officer verifies the claim. The amount shown as restorable does not by itself guarantee that the money has been credited to your account.
Is an FIR Required for MRM Money Restoration?
The official MRM FAQ describes different requirements based on the amount held at a particular bank in a particular complaint. Under the stated procedure, an amount below ₹50,000 may be restored through police instructions without an FIR, subject to the applicable SOP conditions. Where the amount held at a bank in a complaint exceeds ₹50,000, the FAQ states that FIR requirements become mandatory for restoration.
Do not treat ₹50,000 as a universal limit that automatically decides every case. The applicable conditions, amount held and facts of the complaint matter. Follow the instructions of the investigating officer and concerned authorities.
What Happens After You Submit the MRM Request?
After submission, the portal routes the request to the concerned police station for verification and further action by the investigating officer or authorised police officer.
The investigating officer checks whether the money belongs to the claimant and reviews the transaction trail. The bank confirms the available funds and completes the required banking process.
If several victims claim money from the same transaction trail, the investigating officer may examine the transactions, timestamps and available records to determine who should receive the money. Where the funds have been mixed and individual amounts cannot be clearly separated, the authorities may need to determine an appropriate distribution under the applicable procedure.
The official MRM FAQ states that, following an investigating officer’s order under Section 106(3) of the Bharatiya Nagarik Suraksha Sanhita (BNSS), the bank is to provide custody of the disputed amount to the victim within 15 calendar days and update the release on NCRP. This should not be read as a guarantee that every application will receive a refund within 15 days of submission; verification and the applicable legal process still matter.
What If the Bank Does Not Release the Money?
If the bank cannot comply with the investigating officer’s direction, it records the reasons for non-compliance in the MRM process. If the bank disagrees with the investigating officer’s direction, it must provide its justification.
According to the official FAQ, the jurisdictional court may be approached for directions when the disagreement requires judicial intervention. For case-specific guidance, contact the police station handling your complaint.
What to Do If Your MRM Refund Is Delayed
- Check the available status through the official tracking page.
- Keep your NCRP acknowledgement ID and MR request ID ready.
- Contact the concerned police station for an update on verification.
- Check whether the authorities need corrected bank details or additional documents.
- Use the official MRM contact page for portal-related assistance.
A delay does not necessarily mean that authorities have rejected your request. Verification, the availability of funds, competing claims and banking formalities can affect the process. Avoid relying on unofficial promises about a guaranteed refund date.
Important Links for the MRM Portal
| Purpose | Official Link |
|---|---|
| MRM Portal | Open Portal |
| Raise Refund Request | Apply Online |
| Track Refund Request | Check Status |
| MRM User Manual | Read User Manual (PDF) |
| Cybercrime Complaint Portal | Report Cybercrime |
| MRM Contact Information | View Contact Details |
| Government Update on MRM | Read Ministry of Home Affairs Update |
Contact Details and Cyber Fraud Helpline
If you need help reporting cyber financial fraud, call 1930 or submit a complaint through the official portal. If you have already submitted an MRM request, contact the police station handling your complaint for case-specific assistance.
- Cyber financial fraud helpline: 1930
- National Cyber Crime Reporting Portal: https://cybercrime.gov.in/
- MRM contact page: https://mrm-ncrp.mha.gov.in/public-info?tab=contact
Avoid agents or middlemen who promise guaranteed recovery for a fee. Use official channels and never share your OTP with anyone claiming they can speed up your refund.
Frequently Asked Questions (FAQs)
Ans. The MRM (Money Restoration Module) Portal helps victims of cyber financial fraud submit requests to restore money that banks and authorities have identified as eligible for return. It operates under the Indian Cybercrime Coordination Centre (I4C), Ministry of Home Affairs.
Ans. The official website is https://mrm-ncrp.mha.gov.in/. You can visit the MRM Portal to access its services.
Ans. Visit https://mrm-ncrp.mha.gov.in/raise-request, enter your 14-digit NCRP acknowledgement ID, complete OTP verification, check your complaint and bank details, upload the required documents and submit the request.
Ans. Victims who have reported cyber financial fraud and have a valid NCRP acknowledgement ID may submit a request when their case qualifies for restoration. The authorities must verify the claim and the availability of funds.
Ans. Applicants should keep their NCRP acknowledgement ID, PAN card copy, bank account details and registered mobile number ready. The portal or authorities may also require a court order, indemnity bond or other formalities, depending on the case.
Ans. Visit https://mrm-ncrp.mha.gov.in/track-complaint, enter the requested complaint details, complete the captcha and OTP verification when prompted, and check the status displayed by the portal.
Ans. The NCRP acknowledgement ID identifies your original cybercrime complaint. The MR-prefixed request ID identifies the money restoration request submitted through the MRM Portal.
Ans. Not necessarily. The amount restored depends on the money available, the transaction trail, verification of the rightful claimant and the applicable procedure. The portal does not guarantee recovery of the entire amount.
Ans. The restorable amount is the sum that the bank identifies as available and eligible for return to the rightful victim. It may be lower than the total amount lost in the fraud.
Ans. The official MRM FAQ describes different requirements for amounts below and above ₹50,000 held at a particular bank in a complaint. The applicable SOP and facts of the case determine the requirements, so applicants should follow the instructions of the concerned authorities.
Ans. The processing time depends on police verification, bank action, the availability of funds and other case-specific requirements. The 15-calendar-day period described in the official FAQ relates to the bank’s action after a specified investigating officer’s order; it does not guarantee a refund within 15 days of submitting an application.
Ans. Check the status on the official tracking page and keep your NCRP acknowledgement ID and MR request ID ready. You can contact the police station handling your complaint for an update or visit the official MRM contact page.
Ans. The investigating officer examines the transaction trail, timestamps and available records to identify the rightful claimant. If the funds have been mixed and individual amounts cannot be clearly attributed, the authorities may need to determine an appropriate distribution under the applicable procedure.
Ans. The bank records its reasons and justification through the applicable process. According to the official MRM FAQ, the jurisdictional court may be approached for directions if the disagreement requires judicial intervention.
Ans. Check that you entered the correct details and that your registered mobile number is active. Follow the instructions displayed on the portal. If the problem continues, contact the concerned police station or use the official MRM contact page.
Ans. Use the official government portal directly and be cautious of anyone demanding money in exchange for a guaranteed refund. Do not share your OTP or banking credentials with agents or middlemen.
Ans. First, report the incident through the National Cyber Crime Reporting Portal or call the cyber financial fraud helpline at 1930. Keep the acknowledgement ID issued for your complaint before starting the MRM request process.
Tabassum is a government schemes researcher and writer with 5 years of experience tracking Central and State welfare scheme programmes across India. She has covered 500+ schemes spanning agriculture, women welfare, education, and housing, helping lakhs of beneficiaries understand their entitlements in simple language.