PhonePe unauthorised transaction / failed UPI refund? Here's how to escalate
Step-by-step escalation for PhonePe unauthorised transaction / failed UPI refund in India, with a free formal grievance letter in seconds.
Escalation steps
- Report to the bank immediately — within 3 working days means zero liability.
- Failed UPI debits must auto-reverse within T+1 day, else ₹100/day compensation.
- Send a formal letter to the Principal Nodal Officer.
- After 30 days, file free with the RBI Ombudsman (cms.rbi.org.in).
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