ATM/UPI Transaction Fail, Paise Kat Gaye? Refund Kab Aayega + ₹100/Din Compensation (2026)

ATM se cash nahi nikla, UPI payment fail hua ya online payment "pending" mein atka — aur account se paise kat gaye? RBI ke niyam ke hisaab se aisa paisa bank ko khud wapas karna hota hai: ATM aur merchant payment mein 5 din (T+5) ke andar, UPI/IMPS transfer mein agle din (T+1) tak. Deri hui to bank ko ₹100 har din ka compensation bhi khud dena hota hai, bina complaint ke. Na mile to pehle bank mein likhit complaint, phir 30 din baad RBI Ombudsman (cms.rbi.org.in) — free.

Transaction fail hone par paisa kitne din mein wapas aana chahiye?

Yeh RBI ki official table hai — "T" yaani transaction ka din, aur din calendar ke din gine jaate hain (Sunday aur chhutti bhi gini jaati hai):

Kya hua	Paisa wapas aane ki aakhri tareekh	Deri par compensation
ATM (micro-ATM bhi) — account se kata, cash nahi nikla	T + 5 din	₹100 har din, T+5 ke baad
Card se dukaan par payment (PoS) — kata, dukaan ko confirmation nahi mili	T + 5 din	₹100 har din, T+5 ke baad
Card se online payment — kata, merchant ko confirmation nahi mili	T + 5 din	₹100 har din, T+5 ke baad
UPI se kisi ko paisa bheja — aapka kata, saamne wale ko nahi mila	T + 1 din	₹100 har din, T+1 ke baad
UPI se dukaan/merchant ko payment — kata, merchant ko confirmation nahi mili	T + 5 din	₹100 har din, T+5 ke baad
IMPS — kata, saamne wale ke account mein nahi aaya	T + 1 din	₹100 har din, T+1 ke baad
Card se card transfer — saamne wale ke card mein nahi aaya	T + 1 din	₹100 har din, T+1 ke baad
NACH / auto-debit — mandate cancel karne ke baad bhi paisa kata	T + 1 din	₹100 har din, T+1 ke baad

Source: RBI circular RBI/2019-20/67, "Harmonisation of Turn Around Time (TAT) and customer compensation for failed transactions using authorised payment systems", 20 September 2019, lagu 15 October 2019 — rbi.org.in par poora circular.

RBI ne saaf likha hai ki yeh tareekhein aakhri seema hain — bank ko isse pehle paisa lautane ki koshish karni chahiye. Aur compensation bank ko "suo moto" dena hai, yaani aapke maange bina, seedha aapke account mein.

₹100 har din ka compensation kaise ginein? 4 udaharan

Neeche ke hisaab RBI ki table ke niyam se lagaye gaye hain. Aakhri tareekh ke baad jitne din der hui, utne ₹100:

Case	Transaction (T)	Aakhri tareekh	Paisa wapas aaya	Der	Banta compensation
ATM se cash nahi nikla	5 Oct 2026 (Mon)	10 Oct (T+5)	14 Oct	4 din	₹400
UPI se dost ko bheja, use nahi mila	8 Oct 2026 (Thu)	9 Oct (T+1)	12 Oct	3 din	₹300
UPI se dukaan par payment fail	13 Oct 2026 (Tue)	18 Oct (T+5)	23 Oct	5 din	₹500
Card se online payment pending	17 Oct 2026 (Sat)	22 Oct (T+5)	22 Oct	0 din	₹0 — samay par aaya

Dhyan dijiye: ATM wale case mein aakhri tareekh Saturday thi — phir bhi woh gini gayi, kyunki RBI ka "T" calendar date hai, working day nahi. Agar paisa wapas aa gaya lekin compensation nahi aaya, to bank se dono cheezein maangi ja sakti hain: kata hua paisa aur deri ka compensation.

"Failed transaction" mein kya aata hai aur kya nahi?

RBI ki paribhasha: failed transaction woh hai jo aapki galti ke bina poora nahi hua — jaise network/link fail hona, ATM mein cash na hona, session time-out, ya saamne wale ke account mein credit na hona.

Situation	Is niyam mein aata hai?	Kya karein
ATM ne cash nahi diya, account se kata	Haan	Apne bank mein complaint, T+5 ka hisaab
UPI "failed" ya "pending" dikha, paisa kata	Haan	UPI app ke Help section + apna bank
Payment kata, dukaan/website ne order confirm nahi kiya	Haan	Apne bank mein complaint, merchant ko bhi bataiye
Aapne galat UPI ID ya account number par khud bhej diya	Nahi — yeh customer ki taraf ki galti hai	Turant apne bank ko likhit mein bataiye
Aapne koi transaction kiya hi nahi, phir bhi paisa kata (fraud)	Nahi — iske alag niyam hain	1930 par turant call, phir fraud guide padhiye (neeche link)

Fraud aur failed transaction ko mila dena sabse aam galti hai. Agar OTP share hua, koi link khula, ya aapko transaction ka pata hi nahi — to woh unauthorized transaction hai, aur uske liye 1930 par turant call karein aur cybercrime.gov.in par report kijiye.

Paisa wapas nahi aaya to complaint kaise karein — step by step?

1. Saboot sambhaliye — SMS/bank statement jismein debit dikhe, UPI app ka screenshot (Transaction ID / UTR number ke saath), ATM ki parchi agar nikli ho, aur ATM ka location aur samay.
2. Aakhri tareekh nikaliye — upar ki table se dekhiye ki aapke case mein T+1 hai ya T+5. Tab tak paisa aksar khud aa jaata hai.
3. Apne bank mein likhit complaint kijiye — jis bank ke account se paisa kata, usi mein. Dusre bank ka ATM ho tab bhi complaint apne bank mein. Net banking, app, branch ya bank ki grievance email — kahin bhi, lekin complaint number zaroor lijiye. UPI mein app ke Help/Support section mein us transaction par complaint bhi daaliye.
4. Compensation bhi maangiye — complaint mein likhiye ki aakhri tareekh ke baad jitne din hue, unka ₹100 har din ke hisaab se compensation RBI circular ke tahat banta hai.
5. 30 din intezaar — bank mana kare, aisa jawab de jisse aap santusht nahi, ya 30 din tak chup rahe, to agla step.
6. RBI Ombudsman — cms.rbi.org.in par online complaint, koi fees nahi. Reserve Bank – Integrated Ombudsman Scheme, 2026 (1 July 2026 se lagu) ke tahat bank ke jawab, ya 30 din poore hone ke 90 din ke andar file karna zaroori hai. RBI ka helpline 14448 sirf jaankari aur status ke liye hai, complaint file karne ke liye nahi.
7. Consumer Commission (zaroorat ho to) — bank ki service mein kami (deficiency in service, Section 2(11), Consumer Protection Act 2019) ke liye District Consumer Commission mein e-jagriti.gov.in par complaint. Samay-seema cause of action se 2 saal (Section 69). ₹5 lakh tak ke claim par court fee nil hai.

Bank ko complaint letter ka format kya hai?

Yeh letter copy kijiye, brackets mein apni jaankari bhariye, aur bank ki grievance email ya branch par dijiye:

Seva mein, Branch Manager / Grievance Redressal Officer, [Bank ka naam], [Branch ka naam aur pata]

Vishay: Failed transaction ki raashi aur RBI circular ke tahat compensation ki maang — Account No. [XXXX1234]

Mahoday/Mahodaya,

1. Main aapke bank ka account holder hoon, Account No. [XXXX1234].
2. Dinaank [DD-MM-YYYY] ko [samay] baje maine [ATM se cash nikalne / UPI se ₹____ bhejne / ₹____ ka online payment] ki koshish ki. Transaction fail ho gaya, lekin mere account se ₹[raashi] kat gaye. Transaction ID / UTR: [number]. [ATM ho to: ATM ID/location: ______]
3. RBI circular RBI/2019-20/67 dinaank 20.09.2019 ke anusaar yeh raashi [T+1 / T+5] yaani dinaank [aakhri tareekh] tak wapas aani chahiye thi, jo aaj tak nahi aayi. [Ya: yeh raashi dinaank ______ ko aayi, yaani ___ din der se.]
4. Usi circular ke anusaar deri ke liye ₹100 prati din ka compensation bank ko swayam dena hota hai, jo mujhe nahi mila.

Kripya (a) kati hui raashi ₹[raashi] turant wapas karein, aur (b) aakhri tareekh se raashi wapas aane tak ₹100 prati din ka compensation mere account mein jama karein. 30 din mein santoshjanak samadhan na hone par main Reserve Bank – Integrated Ombudsman Scheme, 2026 ke tahat RBI Ombudsman ke paas jaane ke liye baadhya hounga/hongi.

Sanlagn: bank statement / SMS ka screenshot, transaction ka screenshot.

Bhavdiya, [Naam], [Mobile], [Email] Dinaank: [DD-MM-YYYY]

Log failed transaction mein kya galti karte hain?

• Dobara wahi payment kar dena — pehla "pending" baad mein successful ho sakta hai, aur dono kat jaate hain. Pehle status confirm kijiye.
• Sirf customer care ko call karna — phone par diya complaint saboot nahi banta. Likhit complaint aur complaint number lijiye; RBI Ombudsman pehle bank ko kiya complaint maangta hai.
• Working days ginna — RBI ka hisaab calendar din se hai. Weekend ki wajah se bank ki "der" kam mat maaniye.
• Compensation na maangna — paisa wapas aane se hi maamla khatam nahi hota. Der hui to ₹100 har din alag se banta hai.
• 90 din nikal dena — bank ke jawab (ya 30 din ki chuppi) ke baad RBI Ombudsman ke liye 90 din hain. Uske baad complaint ruk sakti hai.

Nyaykar is complaint mein kaise madad karta hai?

Nyaykar par Hindi, English ya Hinglish mein bataiye ki kya hua — tool batata hai ki complaint kahan jaani chahiye (bank ka grievance cell, RBI Ombudsman ya Consumer Commission) aur aap samay-seema ke andar hain ya nahi. Yeh case check free hai, aur aap letter ka shuruaati hissa preview mein dekh sakte hain. Poora formal complaint letter (PDF ke saath) ₹49 mein 2 poore letters wale Letter Pack se unlock hota hai — dusra letter kisi aur complaint ya RTI ke liye kaam aata hai, jaise bank ne theek na kiya to Consumer Commission complaint. Nyaykar aapki taraf se kahin complaint file nahi karta — submit aap khud karte hain.

Nyaykar par apna bank complaint case free check karein

Aage ke steps ke liye yeh guides bhi padhein:

• RBI me complaint kaise kare (cms.rbi.org.in)
• Unauthorized transaction ya fraud ho to bank complaint kaise kare
• Consumer court mein complaint kaise file kare

Disclaimer: Nyaykar is not a law firm and this article is AI-assisted guidance, not legal advice. Verify all details and current rules before acting. For complex matters, consult a qualified consumer advocate.