Lost money to UPI fraud? Act in 3 days
RBI zero-liability rules, 1930 helpline and a free letter to your bank for unauthorised UPI transactions.
Escalation steps
- Call 1930 and file at cybercrime.gov.in immediately.
- 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).
Related guides
- State Bank of India unauthorised transaction / failed UPI refund? Here's how to escalate
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- ICICI Bank unauthorised transaction / failed UPI refund? Here's how to escalate
- Paytm unauthorised transaction / failed UPI refund? Here's how to escalate
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