Conceptual illustration: A glass savings jar and anonymous deposit document under a magnifying lens, with a warning near an abstract upward arrow. Headline: CHECK THE DEPOSIT SCHEME.

AI-generated illustration by CyberShitty. Not a photograph or a document from the organisations named.

Sachet is a Reserve Bank of India portal run with the State Level Coordination Committees, which bring together RBI, SEBI, IRDAI, PFRDA, state governments and enforcement agencies. It exists for one kind of problem: someone collecting money from the public without permission, or running a scheme that promises returns it cannot pay.

You can file and track a complaint there, and it is sent on to whichever regulator or state agency can act. You can also tip off regulators anonymously about a scheme you suspect.

Use it when

A company, society or person took deposits or scheme money from you and is not paying it back.
Someone is running a Ponzi, multi-level marketing or chain scheme, or promising guaranteed high returns.
An entity falsely uses the word "bank" or claims an RBI licence it does not have.
A fake job scheme took money from you, or you want to report a fake digital lending app.

Not the right tool when

A complaint about service from your bank, NBFC, payment app or credit bureau: that goes to the RBI Ombudsman (Sachet redirects you there).
Mutual funds, stock brokers or investment tips: SEBI's SCORES portal (Sachet redirects you).
Money just stolen online: call 1930 first.

Keep this ready

The name of the entity or person, and its address and state if you know them
What happened, and how the money was collected (branch, agent, app, website and so on)
Whether you lost money
Up to five files as evidence (receipts, pamphlets, screenshots, agreements), 5 MB in total
Your name, mobile number, pincode and state; an email address to receive the acknowledgement

Step by step

Open sachet.rbi.org.in and choose File a Complaint.
Pick the card that matches your problem, or search for it. If the card belongs to another regulator, the portal tells you and sends you to that regulator's site.
Fill in the details of the entity and your complaint, and upload your evidence.
Enter your own details, complete the captcha, give consent and submit.
You receive a complaint number on your mobile. Use Track Complaint on the home page to follow it.
To report a suspect scheme without filing a complaint, use Help your Regulator, which can be anonymous.

What happens next

The complaint is forwarded to the regulator or law enforcement agency concerned, which acts under its own procedures.
You receive that authority's contact details by SMS and email. If nothing arrives, write to the state committee email address in your acknowledgement.
There is no fixed time for resolution. Recovering money from a collapsed scheme usually goes through state law and the courts, and takes time.

Know the limits

Sachet does not decide complaints itself; it routes them.
Being mentioned on the site does not mean RBI endorses anyone.
Beware of "recovery agents" who promise to get scheme money back for a fee. Government bodies do not charge for complaints.