Wrong UPI transactions occur when funds are mistakenly transferred to the wrong account or UPI ID. In the event of a wrong UPI transaction, it's important to act quickly and follow the right steps to raise a wrong UPI transaction complaint. You can initiate a reversal request through your bank, UPI app, or the wrong UPI transaction complaint number provided by the NPCI to reverse a wrong UPI transaction.
Action Required | Details |
Contact Bank | Call bank customer care or visit branch within 24–48 hours |
UPI App Dispute | Use “Help” or “Dispute” feature to report wrong UPI transaction |
NPCI Grievance Redressal | File complaint at https://crcs.ncpi.org.in |
Complaint Number (NPCI) | 1800-120-1740 (for UPI dispute assistance) |
Legal Action (if required) | File police complaint or approach consumer forum |
A wrong UPI transaction occurs when money is mistakenly transferred to an incorrect UPI ID, mobile number, or bank account due to human error or technical issues. This can happen if the sender enters the wrong UPI details, selects the wrong contact, or falls for a fraudulent request.
As per the guidelines of RBI, it is the sole responsibility of the beneficiary to enter the correct details to avoid a wrong UPI transaction. In such cases, it’s essential to raise a wrong UPI transaction complaint as soon as possible. Acting quickly increases your chances of recovering the amount.
If you have sent money to any wrong UPI ID, you can complain to the payment system provider. RBI guidelines also allow you to escalate the issue to the bank or further to the RBI Ombudsman if the complaint remains unresolved.
If you have made a wrong UPI transaction, don’t panic. The Reserve Bank of India (RBI) has mandated grievance redressal mechanisms to resolve such issues.
Here’s how to raise a wrong UPI transaction complaint:
Contact your bank’s customer support immediately. Share:
Alternatively, visit the nearest branch and file a written complaint.
Use the NPCI toll-free number 1800-120-1740 for assistance with your UPI complaint.
If your issue is unresolved for 30 days, file a complaint via the NPCI portal. You will need to share the transaction ID of the wrong UPI transaction. Note your complaint reference number for future reference.
If the bank or UPI app doesn't help, escalate to the RBI Ombudsman via the RBI CMS portal.
UPI payments have revolutionised the process of handling financial transactions for Indians. From buying groceries to paying bills online, it has provided convenience for users anytime, anywhere. However, UPI users still face challenges when reversing incorrect UPI transactions. Here are some scenarios of the challenges faced with wrong UPI transactions:
UPI payments have revolutionised the process of handling financial transactions for Indians. From buying groceries to paying bills online, it has provided convenience for users anytime, anywhere. However, UPI users still face challenges when reversing incorrect UPI transactions. Here are some scenarios of the challenges faced with wrong UPI transactions:
Scenario 1: Mistyped Recipient Number:
Imagine you're quickly paying a friend for dinner. You accidentally enter one wrong digit in the phone number in your haste. The money instantly transfers to a stranger. Now you're left scrambling to recover funds from someone you don't know, who might not be willing to return the money.
Situation 2: Fraudulent requests:
A person who appears to be real sends you a UPI payment request. You unintentionally approve it, only to discover later that it was a brilliant hoax. It gets progressively harder to locate the money after it disappears. The sender could be a skilled scammer with vast experience manipulating systems.
Scenario 3: Incorrect Bank Account Linking:
Multiple UPI accounts may be linked to the same phone number. You may mistakenly send money to an account that appears to be legitimate but belongs to someone else entirely. This typical error might result in complicated recovery efforts.
Scenario 4: Social Engineering Trap:
Someone poses as a trusted contact, such as a bank official or a friend in need, and persuades you to make a rapid transfer. By the time you realize it's a hoax, the money has already been taken.
Scenario 5: Technical Glitch:
UPI platforms occasionally suffer technological problems. A transaction may appear to go through, but owing to a system fault, it is routed erroneously.
In this digital era, the introduction of the Unified Payments Interface (UPI) system has made the transaction process more convenient. However, the risks of making wrong UPI transactions have also increased. If you ever caught yourself in this situation, follow the below steps to reverse the payment made to the wrong recipient.
This is the first and foremost step to follow once you realise your money is sent to the wrong UPI ID. The faster you will respond, the more will be the chances of getting back your payments. For better results, solve the issue within the first 24 hours
Contacting the recipient of the wrong UPI transaction is another important step. If you have the contact details of the recipient, reach out immediately to them to explain the situation further. You may ask them politely to return the money. At the same time, provide them with all necessary transaction details including the total amount sent and the UPI transaction ID.
If you fail to contact the recipient, take the next step of contacting your bank. Inform the bank about the wrong UPI transaction and provide them with all the necessary details including the date of UPI, time, UPI transaction ID, mobile number, and others. You will get proper guidance from the bank to get the transaction amount reversed.
UPI apps have features for reporting wrong UPI transactions. Login into the UPI app and search for reporting the problem. Provide all necessary information and you will get guidance from the app regarding raising a dispute.
If you find it difficult to resolve the issue with your bank or the recipient, file a complaint with the NPCI. NPCI looks after the operations of the UPI system and has also established several mechanisms for resolving disputes. If needed, you can also visit their official website and follow the steps for lodging a complaint regarding a wrong UPI transaction.
This is the final step to follow if all your attempts fail. Carry out a consultation with any legal experts for a proper understanding of the steps you should undertake to recover your funds from wrong UPI transaction
You can avoid wrong UPI transactions by following some essential precautions. These will not only help you to stay away from fraud but will also keep your bank information safe and secured in this digital world.
Here are some tips to follow to prevent wrong UPI transactions:
1. Recognize and Avoid Fraudsters
2. Pay Attention to UPI App Warnings
3. Be Cautious with Money Requests
4. Protect Your PIN and Personal Information
5. Email Security
6. Be Selective About App Downloads
A wrong UPI transaction can be stressful, but quick action ensures a higher chance of recovery. Always double-check recipient details before transferring funds. In case of error, raise a wrong UPI transaction complaint through your UPI app, bank, or NPCI. For unresolved issues, contact the wrong UPI transaction complaint number or file a grievance online.
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