A buyer stuck with a seller. A citizen stuck with an office. A fraud victim in the first hour. This page is a map of the official channel that actually takes that file. It is not a lawyer and it is not a review-site ranking.
Official channel first. Review site last. This page is a map, not a lawyer.
Money just left
Call 1930, then file at cybercrime.gov.in. Golden hour for UPI, card and wallet fraud.
Seller or brand failed
National Consumer Helpline 1915 / consumerhelpline.gov.in. Pre-litigation. Not a court.
Government office stalled
CPGRAMS at pgportal.gov.in. Public authority grievances only. Not a consumer court.
Updated September 2026 · BillionsVerdict directory
The 80-word rule
Use a government or regulator desk first. Use a review site last. A docket on National Consumer Helpline, CPGRAMS, the cybercrime portal, RBI CMS or e-Jagriti starts a process the company or office has to answer. A public post on Mouthshut does not. This page will not promise that you will win, that a court is guaranteed, or that “crores of Indians” will see your complaint.
What happened? Pick one path
Money just left the account
Call 1930 and file on cybercrime.gov.in. That is the National Cyber Crime Reporting Portal run with the Ministry of Home Affairs / I4C. The helpline exists for financial cyber fraud in the golden hour. City cyber-cell pages for Delhi, Indore or Vizag are not the national system.
A company, brand or marketplace failed you
Start at the National Consumer Helpline. Call 1915 or 1800-11-4000, or file at consumerhelpline.gov.in. WhatsApp and SMS sit on 8800001915. Hours on the live contact page: 08:00–20:00 every day except national holidays, with a callback window after that. This is pre-litigation. It is not a Consumer Commission.
A government office or scheme stalled
Use CPGRAMS at pgportal.gov.in. It takes grievances against government organisations. It does not take RTI applications, religious matters, or most service matters of government employees. Email to CPGRAMS is not entertained. Track with the registration ID the portal issues.
Official channels (use these first)
| Channel | Run by | Use when | URL | Phone | What it cannot do |
|---|---|---|---|---|---|
| NCRP + 1930 | MHA / I4C | UPI, card, wallet or banking fraud in the first hours | cybercrime.gov.in | 1930 | Does not replace an FIR for non-financial crime; city cyber-cell pages are not the national system |
| National Consumer Helpline (INGRAM) | Dept of Consumer Affairs | Defective product, delayed refund, poor service, marketplace dispute — pre-litigation | consumerhelpline.gov.in | 1915 / 1800-11-4000 | Not a Consumer Commission. Does not decide a case or award a decree |
| CPGRAMS | DARPG, GoI | Grievance against a government organisation or scheme | pgportal.gov.in | — (portal only; email not accepted) | Not a consumer court. Rejects RTI, religious matters, most service matters of government employees |
| RBI CMS / RB-IOS 2026 | Reserve Bank of India | Bank, NBFC, prepaid instrument or CIC after the entity’s 30-day window | cms.rbi.org.in | 14448 (guidance / IVRS, not filing) | Cannot file the complaint on the phone. Does not cover commercial decisions or matters already in court |
| Bima Bharosa | IRDAI | Life, health, motor or general insurance after the insurer’s own grievance cell | bimabharosa.irdai.gov.in | 155255 / 1800-4254-732 | Not the first stop. Insurer’s grievance officer first |
| SCORES 2.0 | SEBI | Listed company, broker, mutual fund or other SEBI-regulated entity | scores.sebi.gov.in | 1800-22-7575 / 1800-266-7575 | Not a consumer court. Approach the entity first |
| TRAI path (TSP first) | TRAI mandates TSP process | Call drop, billing, DND, broadband after the operator complaint centre | tccms.trai.gov.in + trai.gov.in | Your operator docket, then TSP appellate | TRAI does not decide individual consumer complaints |
| e-Jagriti (was e-Daakhil) | Dept of Consumer Affairs | Ready to file a Consumer Protection Act case at District / State / National Commission | e-jagriti.gov.in | Helpdesk on portal | This is a case filing. Not a review forum and not NCH |
Sources: live official pages opened 2 September 2026. Phone 14448 guides; it does not lodge the RBI complaint.
How each official desk actually works
1930 and cybercrime.gov.in
If a UPI collect request, fake investment link or card swipe just drained the account, speed beats a polished essay. Call 1930 so the Citizen Financial Cyber Fraud Reporting and Management System can try a freeze. File the same facts on cybercrime.gov.in under Financial Fraud. Keep the UTR, the beneficiary UPI ID or account, the SMS trail and a screenshot of the app screen. Then call the bank. Do not wait for a city-cell URL you found in a 2020 blog.
National Consumer Helpline 1915
NCH is the Department of Consumer Affairs pre-litigation desk. It runs on INGRAM. You register once on the portal, or an agent logs the grievance on a call, and you get a docket number. Convergence partners — companies and regulators that sit on the same system — see that docket. File once. Attach the invoice, chat dump and the exact remedy: refund, replacement, or repair. NCH speaks 17 languages on 1915. It still cannot pass a decree. If the company stonewalls, you step to a regulator or to e-Jagriti.
CPGRAMS is not a consumer court
CPGRAMS is the Centralized Public Grievance Redress and Monitoring System. Use it when the opposite party is a public authority, a ministry, a state department or a government scheme. Use the appeal option on the same portal if the first closure is poor. Do not file a fridge-refund case here. Do not file an RTI here. Do not describe CPGRAMS as a Consumer Commission.
e-Jagriti — the live case-filing portal
When you are ready to file a case under the Consumer Protection Act, 2019, the live portal is e-Jagriti at e-jagriti.gov.in. From 1 January 2025 it absorbed e-Daakhil, OCMS, the NCDRC case system and CONFONET. Searches for “e-Daakhil” still work as a name. The filing URL does not. Pick the Commission by the value of goods or services you paid — the consideration — not by an inflated compensation figure. District Commission handles consideration up to ₹50 lakh. State Commission covers above ₹50 lakh to ₹2 crore. National Commission sits above ₹2 crore. Filing fee is nil on the lower consideration slab used for everyday goods. This is a case. It is not a review forum.
Sector desks after the company fails
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Bank, NBFC, prepaid instrument
Write to the regulated entity first. Wait the 30-day window. If there is no reply, or the reply is useless, file on cms.rbi.org.in under the Reserve Bank – Integrated Ombudsman Scheme, 2026, in force from 1 July 2026. Email is [email protected]. Post goes to the Centralised Receipt and Processing Centre in Chandigarh. Toll-free 14448 is IVRS around the clock and staffed 08:00–22:00, Monday to Saturday except national holidays. RBI’s own FAQ says you cannot file the complaint through the contact centre.
Insurance
Use the insurer’s grievance officer first. If that fails, register on Bima Bharosa at bimabharosa.irdai.gov.in, or call 155255 / 1800-4254-732, or write to [email protected]. Bima Bharosa pipes the token to the insurer and to IRDAI’s repository. It is not a shortcut past the company.
Telecom
TRAI does not decide your individual billing fight. Lodge a docket at the telecom service provider’s complaint centre. If that dies, appeal to that provider’s appellate authority. TCCMS at tccms.trai.gov.in lists those contacts. TRAI’s own FAQ is blunt: individual consumer complaints are not handled by TRAI.
Securities and investments
Listed-company, broker or mutual-fund grief goes to SCORES 2.0 at scores.sebi.gov.in after you have taken it up with the entity. SEBI helplines 1800-22-7575 and 1800-266-7575 exist for guidance. SCORES is not a consumer court and it is not NCH.
Review and pressure sites (visibility, not redressal)
| Site | What it is | What it is not | Live URL |
|---|---|---|---|
| Mouthshut | Public reviews and brand ratings | Not a government portal. Not redressal. No docket with legal force | mouthshut.com |
| ConsumerComplaints.in | User-submitted company complaints | Visibility and pressure only. Not NCH. Not a Commission | consumercomplaints.in |
| Complaint Board | Categorised public complaint board | Same limit: visibility, not a statutory process | complaintboard.in |
| Jago Grahak Jago (NGO site) | Consumer Online Foundation site (Bejon Misra). Different from the GoI slogan | Not the Government of India campaign. Do not treat as an official filing desk | Confirm the live URL before linking; drop if parked |
Keep the old flag. The Jago Grahak Jago slogan is a Government of India consumer-awareness campaign. A separate NGO site associated with Consumer Online Foundation and Bejon Misra is not that campaign. Do not paste an old “57,000 complaints” boast unless a 2025–2026 official page still prints it. We dropped the number.
How to write a complaint that gets a docket
Write like a timeline, not a speech.
- Who you are and how to reach you.
- What you bought or which office you approached. Invoice number, order ID, policy number or application ID.
- Dates: purchase, delivery, first complaint to the company, last reply.
- Payment proof: UTR, card last four, UPI reference.
- What already happened. Attach the email or in-app chat. Do not retype it as a novel.
- What you want, in one line: refund of ₹X, replacement of model Y, correction of bill Z.
- File on one official channel first. Save the docket or acknowledgement. Then escalate with that number in the subject line.
Who should skip this page
A crime in progress, a threat of violence, or a medical emergency is 112. This directory will not help you in the next ten minutes.
A matter already before a court belongs to your lawyer, not to CPGRAMS and not to a review site. Sub-judice filings get bounced.
A visa-scam, investment-return or medical how-to is out of scope here. Financial cyber fraud still goes to 1930. Everything else in those lanes needs the specialist desk, not a generic “complaint forum” list.
FAQs
Is Mouthshut an official consumer complaint portal?
No. It is a public review site. Use it after NCH if you want visibility. It cannot issue a government docket or a Commission order.
Should I file on NCH or on e-Jagriti first?
NCH first for a company dispute you still want settled without a case. e-Jagriti when you are ready to file before a Consumer Commission.
Is CPGRAMS the same as consumer court?
No. CPGRAMS is for grievances against government organisations. Consumer Commission filings run on e-Jagriti.
What is the difference between e-Daakhil and e-Jagriti?
e-Jagriti is the live unified portal from 1 January 2025. e-Daakhil was the earlier e-filing name. Use e-jagriti.gov.in.
Can I call 14448 to lodge an RBI Ombudsman complaint?
No. RBI’s July 2026 FAQ says the contact centre guides and tracks. File on cms.rbi.org.in, or email [email protected].
What number do I call if money just moved?
1930, then file on cybercrime.gov.in. Do not start on a review site.
Does TRAI take my individual telecom complaint?
No. File with the operator, then the operator’s appellate authority. TCCMS only lists those contacts.
Verdict
NCH 1915 for a company dispute. CPGRAMS for a government office. 1930 and cybercrime.gov.in when money just moved. RBI CMS, Bima Bharosa, SCORES or the TSP appellate desk after the regulated entity fails. e-Jagriti when you are ready to file a case. Review sites last, and only for visibility.
Updated September 2026. Recheck phones and URLs on the official page the morning you publish. Do not 301 the DiscoverVibe URL until this destination returns 200.
