Wrong UPI Transaction? Here’s How to Get Your Money Back in Hindi | RBI Guidelines

UPI ne India me digital payments ka pura landscape badal diya hai. Aaj ke time me cities se lekar villages tak, har jagah log UPI ke through transactions kar rahe hain. Lekin kai baar users galti se wrong UPI ID par paise transfer kar dete hain. Agar aap bhi kabhi aisi situation me fas jaate hain to ghabraane ki zarurat nahi hai. Iss article me hum detail me samjhayenge ki agar aapne galti se paise galat UPI ID par bhej diye to aapko kya steps lene chahiye aur paisa wapas kaise recover karne ki koshish ki jaa sakti hai.

❓ Kya hai Wrong UPI Transaction?

Wrong UPI transaction tab hota hai jab aap:

• Galti se galat UPI ID enter kar dete ho.

• Kisi galat mobile number ya bank account me paise bhej dete ho.

• Galat contact select kar lete ho.

• Ya phir fraud ka shikaar hoke galat jagah transaction kar dete ho.

RBI guidelines ke hisaab se, correct UPI details bharna user ki responsibility hoti hai. Lekin agar aapne galti kar di hai to turant action lena zaruri hai.

📌 RBI ki Guidelines kya kehti hain?

RBI ne clear kiya hai ki agar koi user galat UPI transaction karta hai to wo turant apne bank, UPI service provider ya RBI Lokpal tak complaint kar sakta hai. Jitni jaldi complaint karoge, utni hi recovery ki chances badh jaati hain.

🛠 Wrong UPI Transaction ko Reverse kaise karein?

Agar aapse galti se paise galat UPI ID par chale gaye hain, to ye steps follow karein:

1. UPI App ke through Complaint karein

Sabhi popular UPI apps jaise Google Pay, PhonePe, Paytm aur BHIM me ek dedicated Help / Report section hota hai.

• App open kijiye aur jis transaction me galti hui hai usse select kijiye.

• Waha aapko “Report a Problem” option milega.

• Ab “Wrong UPI Transaction” choose karke details fill kijiye.

• Transaction ID, amount aur issue clearly mention karein.

Iske baad app ki support team aapki request process karegi.

2. Bank ke saath Complaint Register karein

Aapko turant apne bank se contact karna chahiye.

• Aap nearest branch visit kar sakte ho ya bank ke customer care number par call kar sakte ho.

• Complaint ke liye aapko ye details ready rakhni hongi:

  • UPI Transaction ID

  • Beneficiary account number

  • Wrong UPI ID

  • Transaction ka time aur date

• Bank me aap ek written complaint bhi submit kar sakte hain.

3. NPCI ke saath Complaint karein

UPI ko NPCI (National Payments Corporation of India) handle karta hai.

• Aap NPCI ke toll-free number 1800-120-1740 par call karke complaint register kar sakte ho.

• Agar aapki problem 30 din me solve nahi hoti hai, to aap NPCI ke official grievance portal par bhi complaint file kar sakte ho.

⚡ Wrong UPI Transaction se bachne ke liye tips

1. Paise bhejne se pehle hamesha recipient ka naam aur UPI ID verify karein.

2. Contact list se select karte waqt double-check karein ki number sahi hai.

3. Large transactions karne se pehle ek small test payment bhejkar confirm kar sakte ho.

4. Kisi bhi unknown UPI link ya QR code par trust na karein.

✅ Conclusion

Wrong UPI transaction ek common problem hai, lekin agar aap turant action lete ho to paise recover hone ke chances badh jaate hain. Sabse pehle apne UPI app ke Help section ka use karein, fir bank me complaint karein aur zarurat padne par NPCI tak matter escalate karein. Always remember – transaction karte waqt details ko double-check karna hi best prevention hai.