UPI Refund Not Received After 7 Days
If your UPI refund has not been credited even after 7 working days, the official refund timeline has passed. You should not wait further.
At this stage, the issue must be escalated through the prescribed complaint process to ensure resolution.
Why UPI Refunds Get Delayed Beyond 7 Days
- Transaction stuck in reconciliation
- Mismatch between bank and NPCI records
- Incorrect or incomplete complaint earlier
- Manual verification required by bank
What You Should Do Immediately
Since the allowed waiting period is over, you should take action immediately using the escalation steps below.
- Contact your payment app or bank support
Reach out through the official app or bank support channel using your transaction ID and bank reference number.
- Raise a formal complaint with the app or bank
If the refund is not credited after the official timeline, submit a formal complaint within the app or bank portal.
- Request escalation to NPCI through your bank
Ask your bank to escalate the issue to NPCI if the complaint remains unresolved.
- File a complaint via RBI Complaint Management System
As a final step, lodge a complaint on the RBI CMS portal if all previous steps fail.
Information You Must Keep Ready
- UPI transaction ID or UTR
- Bank reference number
- Date and amount of transaction
- Payment app or bank name
- Screenshots showing failed or pending status
Frequently Asked Questions
Q. What does it mean if UPI refund is not received after 7 days?
A. If a UPI refund is not received after 7 working days, it usually means the transaction requires manual intervention or escalation through the grievance process.
Q. Should I wait longer if UPI refund is delayed?
A. No. If the official timeline has passed, you should not wait further and should raise or escalate a complaint.
Q. Can banks legally delay UPI refunds beyond 7 days?
A. Banks are expected to resolve UPI refunds within prescribed timelines. Delays beyond this period should be escalated.
Q. Is RBI complaint effective for delayed UPI refunds?
A. RBI complaints are effective when raised after exhausting bank and NPCI escalation steps.
This page provides general guidance based on current UPI grievance handling practices. Resolution timelines may vary depending on the bank and transaction specifics.