How to track a failed UPI transaction?

You can track a failed UPI transaction by checking the transaction history in your UPI app. Each entry provides a real-time status and a unique 12-digit UPI Transaction ID or UTR number. According to NPCI and RBI guidelines, you can use this ID to:

• Monitor the auto-reversal of funds, which typically occurs within T+1 working day.
• Raise a formal dispute via the app's help or support section.
• Contact your bank's customer service for detailed reconciliation if the money is not credited back within the prescribed timeframe.