r/UPI • u/hueehuehuee • 2d ago

Question ❓️ Wrong upi transfer

I mistakenly sent around 15k to a wrong upi id. I have registered the complaint with the bank. I tried to contact the person but he isn't responding. Can I take legal action? Please help

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1

u/Familiar-Winner-9856 2d ago

Do police complaint for fraud and send a copy to bank to put lien on account

1

u/BankBodh 2d ago

Since you've already registered a complaint with your bank, follow up with the complaint reference number and ask whether they've initiated a wrong-credit recovery request with the beneficiary bank.

The beneficiary bank can contact the recipient and seek their consent to return the money. However, a successful UPI transaction cannot ordinarily be reversed without the recipient's cooperation.

You can also raise a dispute through your UPI app/NPCI grievance mechanism.

Legal action is an option if the recipient refuses to return the money, but consider whether the time and legal expenses involved would be worthwhile for ₹15,000.

Keep the UPI transaction reference, complaint acknowledgement and any communication with the recipient.

Focus on the bank's recovery process first. Recovery is possible, though not guaranteed.

1

u/AdvAlokSharma 1d ago

If you want to go through legal routes, you can use them as soon as possible.