How to recover money from UPI?

If a UPI transaction fails but money is deducted, first wait for an automatic reversal, which should occur within 48 hours (T+1 day) as per RBI guidelines. If the amount is not reversed, raise a complaint via the UPI app you used, such as Paytm. If the issue remains unresolved, contact your bank with all transaction details. For further escalation, you can approach the NPCI or the RBI Ombudsman.