I recently experienced a failed BHIM payment and am waiting for my refund. How long does a BHIM UPI refund typically take to be reflected in the bank account?
How long does a BHIM UPI refund take?
If your UPI payment fails and the amount still gets debited then mostly the bank returns the money automatically within short time. Most refunds take a few minutes and in rare cases it takes up to 3 working days. If the refund doesn’t come automatically, you can raise a complaint inside the BHIM app. You don’t need to raise a complaint immediately unless it crosses 72 hours.
Refund Timeline Details
| Situation | Expected Refund Time | Notes |
|---|---|---|
| Normal failed transaction | Within 1 hour | Happens when bank servers are slow |
| High traffic or server outage | 24 hours | Common on weekends or peak hours |
| Bank-side technical issue | 2–3 working days | Refund processed after bank resolves delay |
| Refund not received after 72 hours | Raise complaint in BHIM or bank | Attach transaction ID for faster help |