In today’s era, from tea stall to big showroom, everywhere UPI Dominates. Money is transferred in the blink of an eye, but this speed sometimes becomes overwhelming. If a wrong number is typed in haste or a wrong QR code is scanned, then your hard-earned money goes into the account of a stranger. In such a situation, it is natural to sweat, but believe me, if you act wisely, your money can be returned safely.
Do this first thing as soon as the transaction takes place
As soon as you realize that the money has gone wrong, the first thing to do is access your UPI app (Google Pay, PhonePe or Paytm). transaction history Check. Sometimes due to technical reasons the payment becomes ‘pending’ and the money comes back to your account. If the transaction is showing ‘Successful’, immediately take a screenshot of that transaction and UTR number Note down (Unique Transaction Reference). This 12 digit number is the biggest proof of your money back.
Immediately inform UPI app and bank
As soon as you discover the mistake, first file a complaint on the same app through which you have sent the money. Every app has the option of ‘Help’ or ‘Contact Support’, where you can express your views by selecting ‘Incorrectly transferred to another account’. Immediately after this, call the customer care of your bank or reach the branch directly. Inform the bank in writing and provide the UTR number. Based on your complaint, the bank will contact the bank of the person who has received the money by mistake.
When the person refuses to return the money
Often people return the money showing honesty, but if the receiver is reluctant to return the money, then you also have legal recourse. You NPCI (National Payments Corporation of India) You can file a complaint online by visiting the official portal of. Additionally, if the bank does not resolve your issue within 30 days, you Banking Ombudsman of RBI Can knock on the door. Remember, the sooner you complain, the better your chances of getting money.
How to avoid these mistakes in future
Caution is the only protection. Always check ₹1 before sending a large amount to an unknown number. trial transaction Try it. Send the entire amount only after the name is confirmed. Try to scan the QR code instead of typing the mobile number manually, as there is less scope for error. Finally, before entering your UPI PIN, carefully check the name displayed on the screen.
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