How To Recover Money Sent To Wrong UPI ID
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If you have sent money to a wrong unified payment interface (UPI) ID, here's how you can recover it
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Reach out to the payment system used and lodge a complaint. Visit the National Payments Corporation of India (NPCI) website
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Fill out the online form under the 'Dispute Redressal Mechanism' section. Provide required details, including bank statement showing the deduction
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Choose 'Incorrectly transferred to another account' as the reason for your complaint. If the complaint remains unresolved, escalate the issue
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Reach out to the Third-Party Application Provider, then to Payment Service Provider Bank, followed by the bank where you maintain the account, and finally, to the NPCI
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If the issue remains unresolved, approach the RBI independent official (Ombudsman) for Digital Transactions
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File complaints in the jurisdiction where the system participant's branch or office is located, or where the customer's address is registered for centralised operations
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To retrieve money transferred to wrong account, you must prove that the funds were sent unintentionally. Once proved, the bank is responsible for reversing the transaction
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