Action taken on 8,016 applications so far, with banks directed to return ₹5.67 crore; here is how the MRM portal and refund process work
Jaipur, October 2026: In a major relief initiative for victims of cyber fraud, the Rajasthan Police Cyber Branch, R4C, is facilitating the return of money placed on hold or frozen in bank accounts through the Money Restoration Module (MRM). Under the initiative, the police have acted on 8,016 applications and issued directions to banks for the refund of ₹5.67 crore so far.
The initiative is being implemented under the directions of Rajasthan Director General of Police Rajiv Kumar Sharma to help cyber fraud victims recover their money.
Additional Director General of Police, Cyber Crime, V.K. Singh, said the MRM has made the process of returning frozen funds simpler, more transparent and time-bound. The objective is to help eligible victims recover their money through the prescribed procedure without having to make unnecessary visits to courts and banks.
What Is the Money Restoration Module?
The Money Restoration Module is an online platform launched by the Indian Cyber Crime Coordination Centre (I4C), under the Union Ministry of Home Affairs, on the National Cyber Crime Reporting Portal (NCRP).
Its official website is https://mrm-ncrp.mha.gov.in. The platform enables victims to submit online applications for the return of money placed on hold or frozen in connection with cyber financial fraud.
Three Categories for Refunds
According to the procedure outlined by Rajasthan Police, refund applications fall into three categories:
Category 1: If the amount frozen in an individual bank account is up to ₹50,000, an FIR or court order is not required. The refund can be processed on the basis of a police report and an indemnity bond.
Category 2: If the total frozen amount exceeds ₹50,000 but the amount in any individual bank account does not exceed ₹50,000, an FIR or court order is not required. The refund will be processed on the basis of a police report.
Category 3: If the amount frozen in an individual bank account exceeds ₹50,000, registration of an FIR is mandatory. The remaining process is completed through the MRM portal after the FIR is registered.
How the MRM Refund Process Works
Step 1: Register a cybercrime complaint
The victim reports the incident through the national cybercrime helpline, 1930, or the National Cyber Crime Reporting Portal and receives an acknowledgement number.
Step 2: The suspected funds are placed on hold
After receiving the complaint, banks, payment service providers and other financial institutions use the CFCFRMS system to place the money in suspected accounts on hold, preventing the suspected perpetrators from withdrawing it.
Step 3: Submit a refund request
Once the funds have been placed on hold, the victim can apply through the MRM portal by selecting the “Raise Refund Request” option. The applicant must provide the complaint number, complete OTP verification and submit bank account details.
Step 4: Verification by the police
The refund request is forwarded to the concerned investigating officer or police station. The officer verifies the complaint, the banking transaction trail and the amount placed on hold.
Step 5: Notice to the suspected account holder
The police may issue a notice to the suspected account holder seeking an explanation and allow time for a response. Further action may be taken if the person fails to appear or does not provide a satisfactory explanation.
Step 6: Police recommend the refund
If the investigation establishes that the money belongs to the victim and that retaining it is no longer necessary for investigative purposes, the police may recommend its return under Section 106(3) of the Bharatiya Nagarik Suraksha Sanhita (BNSS), as outlined in the procedure.
Step 7: The bank transfers the money
After receiving the police order or investigation report, the bank transfers the approved amount to the victim’s account and updates the status on the NCRP-CFCFRMS system.
Rajasthan Police Appeals to Citizens
Rajasthan Police has urged citizens to exercise caution against fraudsters who promise to recover cybercrime losses in exchange for money.
The department has stated that the refund process is completely free of charge, secure and transparent. Victims should not pay brokers, agents or unauthorised individuals who claim they can arrange refunds.
In the event of cyber fraud, citizens should immediately report the incident through any of the following channels:
National Cybercrime Helpline: 1930
National Cyber Crime Reporting Portal:https://cybercrime.gov.in
Cyber Helpdesk: 9256001930 or 9257510100
The nearest police station or cyber police station
The MRM initiative is intended to streamline the recovery of funds frozen in cyber financial fraud cases and help eligible victims obtain refunds through a defined process, reducing unnecessary procedural hurdles.
