Step 1: Double-check details

• Confirm if the money really went to the wrong account by checking your UPI app transaction history and the SMS/Bank statement.
• Sometimes, payments show “pending” or “failed” but still block your balance temporarily.

tep 2: Contact your bank / UPI app support immediately

• Raise a complaint through your UPI app (Google Pay, PhonePe, Paytm, BHIM, etc.) → Look for “Help” or “Report a Problem.”
• Call your bank’s customer care and provide the transaction ID (UTR number).

tep 3: Use NPCI grievance redressal

• If your bank/app cannot resolve it, lodge a complaint on NPCI’s UPI complaint portal: https://upi123pay.in or via the NPCI website.www.ncpi.com
• RBI and NPCI rules allow reversal only if the recipient agrees and the account is valid.

tep 4: Legal escalation (if large amount / fraud suspected)

• If you suspect fraud, immediately file a complaint at your nearest police station / cybercrime portal: https://cybercrime.gov.in.
• Provide the UTR, screenshots, and bank details as proof.

Important Notes

• If you typed the wrong UPI ID but it’s non-existent, the money will usually fail and bounce back.
• If the UPI ID/account exists, the money is credited instantly, and recovery is only possible with the recipient’s consent + bank’s intervention.
• The faster you act, the higher the chances of recovery.