My UPI auto-pay mandate failed, but the money still got debited from my account. What should I do in this case, and how long will it take for the refund to come back?
I faced a similar issue when my UPI auto-pay subscription failed but the money still got debited from my account. This usually happens due to a technical glitch between the merchant, your bank, and the UPI system. The good part is that such failed transactions are automatically reversed.
Here’s what you can expect:
• In most cases, the refund is processed within 2–3 working days.
• Sometimes, depending on the bank and merchant, it can take up to 5 working days.
• You don’t need to raise a complaint immediately unless the refund is delayed beyond 5 days.
What you should do:
1. Keep a screenshot or transaction reference number handy.
2. Check your bank statement or UPI app regularly to confirm the reversal.
3. If the refund does not reflect after 5 days, raise a complaint through your UPI app or contact your bank’s customer care with the transaction ID.
You can also refer to NPCI’s official UPI help page here: