UPI payments are now used everywhere, from big cities to small villages.
They make transferring money fast and easy, eliminating the need to carry cash.
However, mistakes can happen. Sending money to the wrong UPI ID or bank account is one common issue.
Fortunately, the Reserve Bank of India (RBI) has guidelines to help you get a refund.
The process may be quicker if the wrong payment was sent to the same bank, and slightly longer if it went to a different bank.
Steps to Get a Refund
If you accidentally send money to the wrong UPI ID, here’s what you can do:
Contact the Recipient
Reach out to the person whose UPI ID or number you mistakenly used.
Send a screenshot of the payment and request a refund.
File a Complaint via Toll-Free Number
If the recipient refuses to return the money, call 1800-120-1740 to register a complaint.
Contact the UPI App Support
Inform the customer support team of the UPI app you used and register a complaint about the incorrect payment.
Reach Out to Your Bank
Your bank can assist in recovering the funds and guide you through the refund process.
File a Complaint with NPCI
The National Payments Corporation of India (NPCI) manages UPI transactions.
You can file a complaint directly with NPCI if needed.
Key Points to Remember
Refunds are usually faster if the money was sent within the same bank.
Keep screenshots and transaction details handy to make the complaint process easier.
Act quickly — timely reporting increases the chances of a successful refund.
By following these steps, you can reduce stress and recover money sent to the wrong UPI ID safely and efficiently.
