The payment failed, the money left your account, and the bank or the app says it will come back. RBI has fixed how fast it must, and what the bank owes you when it does not.
If a UPI transfer fails after your account is debited, the money must be reversed by the next working day (T+1). After that, you are owed Rs 100 for every day of delay.
RBI circular on Harmonisation of Turn Around Time for failed transactions, 2019If a payment to a merchant fails after the debit, the reversal must happen within T+5 days, with Rs 100 a day for any delay beyond that.
RBI circular on Harmonisation of Turn Around Time for failed transactions, 2019Jagrik helps you write your refund request for the government's grievance portal and fills in the form. You submit it on NCH's own site.
official site →A legal notice is a formal letter that tells the company what you want and by when. Jagrik drafts it from your facts. You send it from your own email or by post.
Jagrik prepares your complaint documents and fills the e-Jagriti form. You review everything first.
You do not have to file a case. Use one, two or all three, in any order.
A legal notice puts your complaint in writing: what you bought, what went wrong, what you want, and the date by which the company must act. It gives the company a clear, dated chance to put things right.
Jagrik drafts the notice from what you tell it and the evidence you upload. You read it, change anything you want, approve it and send it from your own email, so the company replies to you and your sent mail is your proof.
The government's National Consumer Helpline (NCH) is run by the Department of Consumer Affairs and describes itself as a single point of access for consumers at the pre-litigation stage. It takes grievances in 17 languages. More than 2,000 companies are listed as partners in its Convergence Programme (NCH grievance form, October 2026).
Start with your own words and your evidence. Jagrik AI will help you with the notice, the helpline and the consumer court filing.
Start a complaint