What should I do first when my ATM card is lost or compromised?

Block the card immediately through the bank's customer care number printed on the back of the card / on the bank's official website, net banking or mobile app, and report fraud at 1930 or cybercrime.gov.in if money was taken; the written application is for the bank's record and a new card.

Can a blocked ATM card be unblocked if found later?

No. For security reasons, once a debit card is permanently hotlisted or blocked due to loss, it cannot be unblocked; a new replacement card must be issued.

Will my bank account still work while the ATM card is blocked?

Yes. Only the debit card is blocked. You can continue withdrawing cash at branch counters, using net banking, or executing branch transactions.

Is there a charge for blocking an ATM card?

Blocking a card is completely free. However, issuance of a replacement debit card may attract a nominal charge as per the bank tariff.

What is the liability for transactions done before reporting card loss?

Under RBI limited customer liability guidelines, zero liability applies if fraud is reported within three working days where bank security failure is involved, and third-party breach is reported without delay.

Application to Block ATM / Debit Card

एटीएम / डेबिट कार्ड ब्लॉक करने हेतु आवेदन पत्र

यह फॉर्म गाइड हिंदी में पढ़ें (Read in Hindi) →

Formal written application to permanently hotlist a lost or stolen ATM debit card and request issuance of a replacement card.

Documents required (आवश्यक दस्तावेज)

Bank passbook copy or account details
Self-attested identity proof copy (Aadhaar / Voter ID / PAN)
Police lost report (NCR / GD) copy (if card was stolen)
Cybercrime complaint acknowledgment (if unauthorized transactions occurred)

Key details

Authority: Home Branch Manager / Bank Card Operations Division
Stamp paper / fee: None (Free bank reporting; nominal replacement card fee may apply)
How to submit: Branch counter submission (after immediate blocking via phone/app)
Processing time: Immediate hotlisting; 5 to 7 working days for new card delivery
Official portal: https://cybercrime.gov.in

How to apply

Block Card Instantly via Digital Channels or Phone
Block the card immediately through the bank's customer care number printed on the back of the card / on the bank's official website, net banking or mobile app, and report fraud at 1930 or cybercrime.gov.in if money was taken; the written application is for the bank's record and a new card.
Lodge Police GD / Cyber Report if Stolen
If the card was stolen or money debited fraudulently, file an online lost report (GD/NCR) or report financial fraud at cybercrime.gov.in and dial 1930.
Prepare Written Application
Fill in your bank account number, last 4 digits of the card (if known), date lost, and reference ticket number received from customer care.
Submit at Home Branch Counter
Submit this written application at your home branch with your passbook and photo ID to confirm permanent hotlisting.
Request Replacement Debit Card
Apply for a replacement chip debit card to be delivered to your registered home address via speed post.

How to fill the form

Clearly enter your bank account number and home branch name.
Provide the last 4 digits of the lost card if you have them saved.
State the approximate date and place where the card was lost or misplaced.
Enter the customer care complaint number or police report number if already lodged.
Sign in matching signature registered in bank core records.

Common mistakes to avoid

Waiting to visit the bank physically without blocking the card immediately through 24x7 customer care or mobile banking.
Failing to report unauthorized withdrawals to 1930 within the golden hour.
Sharing OTP or card CVV with anyone claiming to call from the bank fraud department.
Not verifying that your residential address in bank records is current for new card delivery.

Frequently Asked Questions

What should I do first when my ATM card is lost or compromised?: Block the card immediately through the bank's customer care number printed on the back of the card / on the bank's official website, net banking or mobile app, and report fraud at 1930 or cybercrime.gov.in if money was taken; the written application is for the bank's record and a new card.
Can a blocked ATM card be unblocked if found later?: No. For security reasons, once a debit card is permanently hotlisted or blocked due to loss, it cannot be unblocked; a new replacement card must be issued.
Will my bank account still work while the ATM card is blocked?: Yes. Only the debit card is blocked. You can continue withdrawing cash at branch counters, using net banking, or executing branch transactions.
Is there a charge for blocking an ATM card?: Blocking a card is completely free. However, issuance of a replacement debit card may attract a nominal charge as per the bank tariff.
What is the liability for transactions done before reporting card loss?: Under RBI limited customer liability guidelines, zero liability applies if fraud is reported within three working days where bank security failure is involved, and third-party breach is reported without delay.

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Application to Block ATM / Debit Card

Documents required (आवश्यक दस्तावेज)

Key details

How to apply

Block Card Instantly via Digital Channels or Phone

Lodge Police GD / Cyber Report if Stolen

Prepare Written Application

Submit at Home Branch Counter

Request Replacement Debit Card

How to fill the form

Common mistakes to avoid

Frequently Asked Questions

More forms in Banking & Financial Services