What should I do if my UPI refund is late?

If your UPI refund is late, first wait for an automatic reversal, which should typically occur within 48 hours (T+1 day) as per RBI guidelines for failed transactions. If the amount is not credited back within the expected timeframe (often 1-5 business days depending on the bank), raise a complaint through your UPI app. If unresolved, contact your bank directly with the transaction details. If the bank or app provider fails, you can escalate the issue to the RBI Ombudsman or contact NPCI directly.