What to do if UPI refund stuck in bank for more than 5 days?

Banking
1

I was supposed to get a UPI refund for a failed transaction, but it has been more than 5 days and the money is still stuck with the bank. What should I do in this situation to get my refund?

2

Normally, when a UPI transaction fails, the debited amount is refunded to your bank account within 2–3 working days. In some cases, it can take up to 5 working days, depending on the bank.

What to Do if Refund Is Delayed Beyond 5 Days

If your refund has still not been credited after 5 days:

1. Check transaction status in your UPI app under History using the UTR/Transaction ID.

2. Contact your bank’s customer care and share the UTR number to track the refund status.

3. If the bank is unable to resolve it, raise a dispute/complaint through your UPI app (PhonePe, Paytm, Google Pay, BHIM, or your bank’s app).

Escalation Through NPCI

If the issue persists, you can escalate it by lodging a complaint with NPCI, which manages UPI, using the transaction details.

Official Reference

You can raise or track UPI complaints on NPCI’s official page here:

https://www.npci.org.in/what-we-do/upi/upi-dispute-redressal-mechanism