About Wapsi

Wapsi explains the official route for people in India whose bank account or money has been restricted after a cyber-fraud complaint, and helps them keep track of the deadlines that route creates.

Why it exists

The Ministry of Home Affairs issued a Standard Operating Procedure for NCRP-CFCFRMS on 02.01.2026 that, for the first time, gives an affected account holder a defined route with time limits on the bank and the police. The procedure runs to 98 pages, is written for officials, and almost nobody affected by a freeze has read it. Meanwhile the people who do explain it are mostly advocates whose fees exceed the amount stuck in a small account.

Wapsi turns the relevant parts into plain Hindi and English, works out which route applies to your situation, and counts the days for you.

What Wapsi is not

• Not a law firm, and not legal advice.
• Not connected to MHA, I4C, NCRP, the RBI, any police force or any bank.
• Not a recovery service. Wapsi never contacts a bank or the police for you.
• Not paid a commission or a percentage by anyone.

Who built it

Wapsi is run by one person in India, as an independent project. It is not funded by any institution.

How it is kept current

The law here is moving. The Supreme Court is monitoring this area, the RBI published draft directions in September 2026, and High Courts are deciding freeze petitions in batches. Each guide carries the position as we last checked it. If you find something out of date or wrong, please write to us — corrections are the most useful thing you can send.