Follow these steps to file a complaint:
Visit the official NPCI website — npci.org.in
Go to the “Dispute Redressal Mechanism” section.
Fill out the online complaint form with the necessary details such as:
Transaction ID and UTR number
Sender’s and receiver’s UPI ID
Amount transferred
Date and time of the transaction
Once submitted, NPCI forwards your complaint to the concerned bank for verification. If the bank confirms that the transaction was indeed made in error, they are instructed to reverse the payment and return the amount to your account.
4. Act Quickly for Faster Refunds
Timing is crucial in such cases. The sooner you report the issue, the higher your chances of recovering the money. Avoid waiting for days before taking action. Contact customer support immediately, and if necessary, escalate the matter to NPCI without delay.
A few key tips to speed up the process:
Always double-check the receiver’s UPI ID before hitting “Send.”
Save screenshots of every transaction confirmation page.
Avoid sending money to unknown numbers or names that don’t match your intended recipient.
Use your registered email to send complaint details — it adds credibility to your case.
5. Stay Calm and Follow the Process
It’s easy to panic when your money goes to the wrong account, but staying calm is key. The UPI system is designed with strong safety mechanisms, and most wrong transfers can be traced and reversed if reported promptly. By following the correct procedure and providing complete transaction details, you can recover your funds efficiently — sometimes within just a few days.
Bottom Line
Wrong UPI transfers are stressful but not irreversible. With proper documentation, quick action, and clear communication with your payment provider or NPCI, you can get your money back without much hassle. Always double-check UPI IDs, keep records of your payments, and know your app’s customer care numbers — these small habits can save you big trouble later
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