If UPI payment has been made by mistake then how can you take refund?

In the digital era, the ease of online payments and money transfers has revolutionized financial transactions. UPI apps have become the go-to solution for swift money transfers among individuals. However, with the convenience comes the lurking risk of online scams and erroneous transactions. If you find yourself a victim of such incidents, swift action is crucial to mitigate the financial loss.

Understanding the Steps to Reclaim Lost Funds

NPCI (National Payments Corporation of India)

One avenue for recourse lies through the NPCI website. When faced with an unauthorized or mistaken transaction, compiling essential details becomes pivotal.


Visit the NPCI website and complete the prescribed form. This form requires specific transaction details like reference number, bank name, VPA, amount, date, email ID, registered mobile number, and a bank statement photo upload. Submitting these details initiates the refund process, usually resolving within 6 to 7 days.

Bank Assistance

Bank Assistance

Another route involves seeking assistance directly from your bank. Visit the branch where the recipient’s account resides and procure the necessary form from your own bank. The bank staff can guide you through the process of reclaiming the transferred funds. Their expertise can streamline the recovery procedure, ensuring a more personalized approach to rectify the situation.


Online payment convenience should not overshadow the importance of vigilance. In the event of a fraudulent or erroneous transaction, prompt action is pivotal. Leveraging platforms like the NPCI website and seeking guidance from the bank can aid in reclaiming lost funds. Timely reporting and furnishing accurate details serve as key steps towards mitigating financial losses and ensuring a safer online transaction experience.

Remember, staying informed and cautious remains the best defence against falling victim to online payment scams.

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