Someone drained ₹85,000 from my UPI-linked account in Siliguri using a fake QR code at a vegetable market. What legal action can I take?

File an FIR immediately at the nearest cyber crime police station in Siliguri under Section 66D of the IT Act, 2000 and Section 318(4) of the BNS, 2023 for cheating by personation. Report the fraud on the National Cyber Crime Reporting Portal (1930 helpline) to freeze the beneficiary account quickly. Preserve screenshots of the UPI transaction and the QR code as electronic evidence under Section 63B of the BSA, 2023. You may also approach the Banking Ombudsman if your bank fails to act within a reasonable time. If the police refuse to register the FIR, file a complaint before the Magistrate under Section 175 BNSS, 2023 or approach Calcutta High Court under Section 526 BNSS for a writ/direction. State-specific procedural rules under West Bengal Premises Tenancy Act 1997, if any, on cyber complaint acknowledgment should also be followed. Act fast, since fund recovery drops sharply after 24 hours.