how to get money back from bhim upi if wrong transaction? 09196437102

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In cases of a wrong or fraudulent BHIM UPI transaction, immediate action is essential to maximise the chances of recovery. The affected user should first contact their bank’s customer care or branch without delay and report the disputed transaction, providing complete details such as the UPI ID, transaction time, amount, and the 12-digit transaction reference number. The bank can initiate a chargeback or dispute resolution process through the Unified Payments Interface (UPI) system operated by the National Payments Corporation of India (NPCI). Simultaneously, the complaint should be registered through the official grievance redressal mechanism of the bank and, if required, escalated to the NPCI or the RBI Integrated Ombudsman Scheme. It is also advisable to report the matter through the BHIM App or the respective payment application’s support section. Quick reporting increases the possibility of freezing or reversing funds if they are still in transit or lying in the recipient’s account. The user should avoid sharing OTPs or sensitive credentials with anyone claiming to assist in recovery, as fraudsters often exploit such situations. Maintaining screenshots and transaction records helps substantiate the claim during investigation. If the bank does not resolve the issue within the prescribed timeline, the complainant may escalate the matter further through formal regulatory channels. Legal remedies under consumer protection law and banking ombudsman framework may also be explored depending on facts and evidence available in the case. Timely escalation and documentation significantly improve resolution outcomes and reduce risk of permanent loss of funds in such digital transactions

Advocate Lalit Saxena LawRato