Sent Money To Wrong UPI Address? Here’s How To Get It Back

UPI is a convenient way to transfer money instantly, but mistakes can happen and you might send money to the wrong UPI address. Don’t panic—there are steps you can take, from contacting the recipient to reaching out to your bank or UPI app support to recover your funds.

Start by reaching out to the person who received the money. You can message them through the UPI app’s chat feature, like on Paytm or GPay, and politely ask them to return the money. If you have their phone number, try calling them directly.

If you can’t get in touch with the recipient, contact your bank. Visit the nearest branch or call customer care with all the necessary details. If your case is strong, the bank may initiate a refund, though it could take up to 45 days depending on the accuracy of your information.

If your bank can’t help, or the recipient won’t return the money, you can contact the UPI app’s customer support. According to RBI guidelines, you can request a refund, which might be processed within 24 to 48 hours. If you and the recipient use the same bank, the process could be quicker.

If everything else fails, report the issue on the NPCI portal. Make sure you have proof of the incorrect transaction, like a bank statement, ready to upload. After submitting your complaint, wait for a response from NPCI officials.