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UHi so my mom accidentally sent ₹4000 through UPI to the wrong person because the wrong contact was saved under my name. The transaction was successful, but when we tried calling the number multiple times, the phone is switched off.
We are trying to:
contact the person,
raise a complaint through the bank/UPI app,
and possibly visit the bank today.
This was not a fraud/scam/hacking case it was an accidental transfer by the account holder herself.
What are the proper legal/banking steps we should take in India?
Can the bank help reverse the payment or contact the beneficiary bank?
What are the chances of recovering the money if the person does not cooperate?
We have transaction screenshots and the UTR number.
Any advice would help. Thank you.
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UAccidental UPI transfers to wrong numbers are recoverable more often than people think, especially when you have the UTR number and act within 48 hours.
The immediate step is to raise a formal complaint with your mom’s bank today, in writing, citing the UTR number and asking them to issue a “wrong credit recall request” to the beneficiary bank. Banks are required under RBI guidelines to facilitate this process. When you visit the branch, ask specifically for the Branch Manager and put the request in writing. The bank contacts the beneficiary bank, which then freezes the amount pending a response from the recipient. If the recipient does not respond or claim the money within a set window, it is returned.
*Harisaran Abbott vs Zonal Manager, Bank of India and others* (1993, Bombay High Court) is the closest case from the pool.[1] There, Bank of India failed to follow the complainant’s instructions and wrongly credited an amount to a third party. The consumer forum directed the bank to refund Rs. 79,665 with 16% interest per annum from the date of the wrong transaction. The parallel to your situation is this: if the bank fails to pursue the recall request properly or drags its feet, that negligence itself becomes a basis for a consumer complaint. The amount in your case is Rs. 4,000, which is much smaller, but the principle is the same.
If the bank gives no satisfactory response within 30 days, you can file a complaint at the District Consumer Commission or the RBI Banking Ombudsman online portal, both of which are free to use. The cybercrime portal complaint (cybercrime.gov.in) is still worth completing once it starts working, as it creates a police record even if the amount is small.
Keep the transaction screenshot, UTR number, the bank’s written acknowledgment of your recall request, and any call logs to the recipient’s number.
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[1] [Harisaran Abbott vs Zonal Manager, Bank of India and others (1993, Bombay High Court)](https://cassie.in/research/judgment/184800) — Bank directed to refund wrongly credited Rs. 79,665 with 16% interest after failing to follow customer instructions on a transfer -
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