How RBI’s Sachet Portal can help you stay safe from financial fraud in FY27; 5-step guide to file complaint

In the new financial year, FY27, safeguarding your finances against fraud and scams is more urgent than ever. With digital transactions, online platforms and investment opportunities booming, many people remain vulnerable to schemes that promise unrealistic returns.

To protect investors' rights and support them in identifying and reporting such frauds, the Reserve Bank of India (RBI) offers the Sachet Portal. This is an easy-to-use platform that allows individuals to verify financial entities and report suspicious transactions or activities.

What is RBI’s Sachet Portal?

The Sachet Portal is a centralised online digital portal launched under the State Level Coordination Committee (SLCC). It is available at: https://sachet.rbi.org.in/ and serves as a single window portal where individuals can:

1. Check if an institution or financial scheme is registered with regulators such as SEBI, RBI, IRDAI, or PFRDA.
2. Victims can diligently report any fraud or unauthorised investment or deposit-taking schemes that have caused them financial losses.
3. Following the given steps, victims can submit complaints and track their progress with the appropriate authorities.

This helps reduce complexity and simplify the process of dealing with scams. It also helps ensure that complaints reach the correct regulator without delay or confusion.

How you can use it to benefit in FY27

In FY27, entrepreneurs and investors can use the Sachet Portal to pre-screen financial opportunities before proceeding with investments.

Unregulated entities generally use Ponzi schemes or fake deposit offers to lure investors with the promise of quick returns. Checking the status of a financial institution through the platform in a few minutes can protect your finances.

Role of the portal in enhancing financial awareness

The portal supports 13 Indian languages. This makes it easily accessible nationwide. It also provides knowledge-based educational resources to help individuals recognise common scam tactics and acknowledge regulatory domains before submitting complaints.

Strengthening complaint tracking

Once a complaint is submitted, the Sachet portal sends it to the relevant regulator or enforcement agency. These institutions then take action in accordance with the rules and regulations. You can also track the status of your complaint online using your acknowledgement number. This way, complete transparency and efficiency are ensured.

5 steps to file a complaint on the RBI Sachet Portal in case of investment losses

1. Visit the official portal and click on the ‘File a Complaint’ tab.
2. Select the category and the most appropriate type of fraud or financial entity involved.
3. Submit complete details such as: Company name, contact details, address, transaction amount and description of the incident.
4. Attach all the collected evidence. For this upload, relevant documents such as receipts, screenshots, transaction statements or chat logs.
5. Submit your complaint after careful review of data and evidence. Save the reference number or acknowledgement receipt for future reference.

As we step into FY27, vigilance and awareness against financial scams have become even more important. The RBI Sachet Portal focuses on accomplishing exactly the same by empowering investors to verify entities, report suspicious scams and activities and seek immediate remedial action with seamless integration.

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