UPI failed but money debited
A failed UPI transaction must be auto-reversed, usually within a few days. If it has not been, a written grievance to the bank or payment app grievance officer creates the record you need before approaching the RBI Ombudsman.
Free for Indian consumers. Not a law firm. Nothing is sent until you press Send.
Frequently asked questions
How long does a failed UPI reversal take?
Auto-reversal is usually a few working days. Banks and payment apps typically answer a written grievance in 7 to 30 days. Typical, not guaranteed.
What details do I need?
The UTR or transaction reference, the amount, the date and a screenshot of the failed transaction.
Does RefundPe charge anything?
RefundPe is a free grievance desk for Indian consumers. It is not a law firm, not a recovery agency, and it never takes a cut of any money you recover.
Will RefundPe file with the RBI Ombudsman for me?
No. RefundPe never files a case on your behalf. The final letter copies the relevant regulator so your complaint is on their radar, and you decide any further step.
Is my UPI screenshot private?
Yes. Screenshots are stored privately against your case and only you can see them.
Can I edit the letter?
Yes, every part of it, and nothing is emailed until you press Send.
Other refund guides
RefundPe is a free grievance desk for Indian consumers. It is not a law firm and not a recovery agency, it does not take a cut of any money you recover, and it does not promise a refund. You read and approve every letter before it is emailed.