Cyber fraud often starts quietly—a busy teacher, a software engineer, or a retired couple suddenly see money missing from their accounts. They get alerts about payments they never made or cards used far away. Many think it’s a mistake until they check and find their money gone. Victims rush to call the 1930 cybercrime helpline or report on the National Cybercrime Reporting Portal (NCRP). In 2025, Telangana logged 93,160 financial cybercrime cases, with losses hitting ₹2,000 crore. All complaints go to the Citizen Financial Cyber Fraud Reporting and Management System (CFCFRMS). This system alerts the banks to freeze stolen funds immediately. But a senior police official says, "Whether the money is actually stopped depends entirely on how quickly that bank responds." Fraudsters move money fast across many accounts, making it hard to track. Investigators must alert each bank manually, but many banks respond late—some take hours or days, causing delays. Police call banking delays the biggest problem. Banks take long to verify stolen funds, block withdrawals, and share data like account statements and device logs. This can take 7 to 8 days or more. Many banks lack special cybercrime response teams, viewing it as a low priority. Fraudsters now prefer smaller local and cooperative banks, some not linked to the NCRP system. Officials find it tough to find contacts in these banks, slowing down investigations further. Even when banks freeze money, returning it to victims is unclear. Different rules and slow court orders create confusion. Sometimes, refunds depend on influence or internal decisions. Police say better teamwork between banks and law enforcement is key. They urge banks to speed up responses with dedicated cyber desks to close the gap between fast frauds and slow recovery.