Sent Money To The Wrong UPI ID? Here's How To Get It Back Quickly And Safely

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Last Updated:May 21, 2025, 11:19 IST

Mistaken UPI transfer? Act fast: interaction your slope oregon NPCI wrong 3 days to retrieve funds. Learn however to record complaints and what to bash if betterment fails

By acting promptly and pursuing the close steps, you tin resoluteness UPI-related mistakes with minimal stress. (News18)

As UPI (Unified Payments Interface) continues to turn successful popularity crossed India, insignificant mishaps specified arsenic sending wealth to the incorrect idiosyncratic are becoming progressively common. However, there’s nary request to panic arsenic determination are wide steps to assistance you retrieve your funds if you enactment swiftly and correctly.

Act Promptly: Time Is Crucial

If you’ve accidentally transferred wealth to the incorrect UPI ID, contiguous enactment is essential. Start by taking a screenshot of the transaction arsenic proof. Next, either telephone your slope oregon sojourn your subdivision successful idiosyncratic and supply afloat transaction details, including some the sender’s and recipient’s information.

Alternatively, you tin interaction the National Payments Corporation of India (NPCI) helpline astatine 1800-120-1740 and lodge a ailment wrong 3 days of the transaction. The sooner you study the issue, the amended the chances of recovering your money.

NPCI’s Dispute Redressal Mechanism

NPCI offers a dedicated Dispute Redressal Mechanism for UPI-related issues. Here’s however to rise a complaint:

Step 1: Visit NPCI UPI Dispute Redressal

Step 2: Select the “Dispute" tab

Step 3: Choose the transaction type: “Person-to-Person" oregon “Person-to-Merchant"

Step 4: Fill successful the indispensable details:

• Transaction ID
• Bank name
• UPI ID
• Amount
• Transaction date
• Your email ID and mobile number
• A caller transcript of your slope statement

Step 5: Submit the form

NPCI volition past analyse and instrumentality the indispensable steps to assistance retrieve your money.

Know Your UPI Limits

Understanding UPI transaction limits tin besides assistance forestall accidental ample transfers:

• General transfers: Up to Rs 1 lakh per transaction
• Insurance oregon superior marketplace payments: Up to Rs 2 lakh
• IPO applications: Up to Rs 5 lakh

(Note: Actual limits whitethorn alteration somewhat by bank.)

If NPCI Doesn’t Resolve Your Issue

If neither your slope nor NPCI resolves the contented wrong 30 days, you person the close to escalate the substance to the Reserve Bank of India’s Banking Ombudsman. The Ombudsman acts arsenic an autarkic mediator betwixt you and the bank, aiming to resoluteness complaints wrong different 30 days. Complaints tin beryllium submitted online via the RBI’s authoritative website.

As integer payments go the norm, it’s captious to enactment informed astir your rights and remedies. By acting promptly and pursuing the close steps, you tin resoluteness UPI-related mistakes with minimal stress.

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News business Sent Money To The Wrong UPI ID? Here's How To Get It Back Quickly And Safely