Should I still call the police if the score is low?

If you already lost money, shared OTP, or feel physically threatened — report regardless of our score. Call Cyber Helpline 1930, file at cybercrime.gov.in, and contact your bank's fraud desk immediately. Our tool is designed to help before you act; it is not a substitute for law enforcement, legal advice, or bank fraud investigation. Low score does not mean 'no crime occurred'.