MRM Portal: What is the MRM Portal? Here’s how to apply to recover money lost to cyber fraud..

Mobile Restoration Module: Incidents of cyber fraud are rising rapidly; people often fall into the traps set by scammers and lose their hard-earned money in an instant. While victims previously had to make repeated visits to banks in hopes of recovering lost funds, the Ministry of Home Affairs has now launched the MRM (Mobile Restoration Module) portal to provide relief. This government portal allows victims to apply for a refund from the comfort of their homes. It is important to clarify at the outset that this portal benefits only those who lodged a complaint immediately after the fraud occurred and whose funds were successfully frozen in the scammer's account.

What is the Mobile Restoration Module?
The I4C (Indian Cyber ​​Crime Coordination Centre) has launched the Mobile Restoration Module as part of the cybercrime reporting portal. The government developed this portal to simplify the process of recovering funds for cyber fraud victims, eliminating the need for them to make repeated visits to banks or government offices.

There are two conditions for recovering the money: first, a complaint must have been lodged immediately via the 1930 helpline or the cybercrime portal; and second, the scammer's account must have been frozen. Once both conditions are met, you can apply for a refund through this portal.

Here is how to apply:
First, visit the Money Restoration website at mrm-ncrp.mha.gov.in. Next, click on "Raise Refund Request" and enter the 14-digit complaint number (which you received when registering the complaint). Then, verify the OTP.

Under the "Refund Account Details" tab, the victim will be shown the details of the account where the refund amount will be credited. The victim must enter the correct IFSC code; if the victim possesses a court order, they can use the 'Select Court Order' option to upload a copy of the order.

Enter the captcha and click the submit button.
You will then receive a 14-digit request ID, which will be sent to your mobile number and email address. Please ensure the information provided is accurate; incorrect details may delay the resolution process.

Know the different rules:
If the amount is less than ₹50,000, an FIR and a court order are not required; the refund process can be completed based on the complaint lodged with the police. If the amount exceeds ₹50,000 but the fraudster transferred the funds into multiple accounts—with no single account holding more than ₹50,000—then an FIR and a court order will not be required in this case either. However, if the amount exceeds ₹50,000, an FIR must be registered, and a court order becomes mandatory.

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