Chargeback won.
Criminal complaint still open.
Those are not the same finish line.
A bank may reverse a UPI or card debit and close the dispute ticket. That is a payment-rail outcome. An FIR is a criminal process. One can finish while the other is still alive. Winning money back does not automatically extinguish the offence case — and losing a chargeback does not, by itself, prove the crime either.
Bank dispute closed.
Criminal file not decided.
Educational note. This Insight is for awareness relating to cyber law and digital procedure. It is not legal advice and does not create an advocate–client relationship. Series: Digital disputes, as Indian courts actually see them.