Can UPI transactions be traced?

Yes, UPI transactions can be traced. While UPI IDs protect personal details, transactions are traceable through their unique reference numbers. In cases of wrong transfer or suspected fraud, law enforcement in India can trace the UPI ID owner through legal channels by working with banks and NPCI. Users can track transactions by checking history in their UPI app, such as Paytm, and can escalate complaints through NPCI if needed.