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Wrong UPI Transfer? Follow These Steps to Recover Your Money
- •If you mistakenly send money to the wrong UPI ID, do not panic and take immediate corrective action.
- •File a complaint directly on your UPI app such as Google Pay, PhonePe, or Paytm using the transaction details.
- •Contact your bank's customer care immediately and provide the transaction date, amount, and reference number.
- •You can also raise a grievance on the official NPCI portal if the issue is not resolved by the app or bank.
- •If the bank fails to respond within 30 days, you can approach the RBI Integrated Ombudsman for resolution.
Key Questions Answered
Check the payment history in your UPI app and select the relevant transaction to report the issue using the Help or Support options. Make sure to keep the transaction date, amount, and UPI reference number (UTR/RRN) handy, and save the reference ticket number. You can also contact the receiver directly to request a return, but never share your UPI PIN or OTP.
No, a successful UPI transaction cannot be cancelled directly from the app or automatically reversed once your secret PIN is entered. The bank cannot reverse it without the receiver's consent, and there is no automatic refund or guaranteed four-hour reversal. Instead, you must initiate a formal complaint process through your app, bank, or NPCI.
If your bank does not resolve your complaint, the response is unsatisfactory, or you receive no response within 30 days, you can escalate the matter to the RBI's Integrated Ombudsman via their official portal. Ensure you keep your previous bank complaint and related documentation safe for this process.
