File a PCR via an advocate and the Police will investigate.
Spend some more, ask the bank to pass information about the payment gateway through whom buddyapp cleared the purchase by that thief.
Take a copy of the PCR and write first to OLA cabs and then speak to OLA cabs and gather details about the driver and provide his details as a witness to be summoned by the police and take an acknowledgement from the police.
Once OLA cab driver reveals DROP location, get the police to ask the driver to identify the person whom he dropped and got paid from your card.
The rest is regular police activity and court activity.
5k to 15k for a PCR ( going through an advocate. You can file it by yourself at the magistrate court. Speak to the bench clerk at the court and he will help you or speak to the staff at the public prosecutor's office and they will help you to file a PCR without an advocate ) and general expenses for another 5k.
Total of 20K to be spent by you ( including advocate fee ) and then usually the legal pressure and jail-thought will make the accused arrange for money and pay you compensation.
But this is a case of fraud/ impersonation. Compromise is permitted so it is possible that the thief might pay you compensation and return the amount and earn his freedom instead of multiple years in jail and penalty.
You have to decide. These consume time, money and energy. You need LOT of PATIENCE and LOT of COURAGE and LOT of CONTROL OVER ANGER and LOT of DETERMINATION TO STICK TO YOUR DECISION in criminal matters.
You also need to handle lot of LIES in criminal matters along with FALSE WITNESSES.
Your family condition is known only to you since every family would have a certain level of emotional and financial strength and that is known only to you.
So, you decide. PAST IS OVER. PRESENT IS OCCUPYING YOUR MIND. FUTURE REQUIREMENTS OF TIME, MONEY AND ENERGY ALONG WITH YOUR CAREER AND OVER-ALL LIFE, is a mathematics that only you can work out.
