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Sometimes—but a refund is not automatic. The Reserve Bank of India’s customer-liability rules apply to qualifying unauthorized electronic transactions. If you personally approved a UPI payment after a scammer tricked you, the same rules may not guarantee repayment. Report the incident to your bank and to India’s cybercrime reporting channels as soon as possible.
First, identify what happened
The key distinction is whether you authorized the transaction. RBI’s rules address unauthorized electronic transactions and set liability according to the cause of the breach and how quickly the customer notified the bank. A payment you knowingly initiated because of a scammer’s deception may be treated differently from a debit made without your approval; the rules do not promise reimbursement for every scam-induced payment.
| Situation | What it means for a refund claim |
|---|---|
| A transaction occurred without your authorization | RBI’s zero- or limited-liability rules may apply, depending on the circumstances and reporting time. RBI’s July 6, 2017 circular sets out the conditions. |
| You approved the UPI payment after being deceived | Do not assume the unauthorized-transaction rules guarantee repayment. Report the fraud promptly and ask your bank to assess the claim. |
What RBI’s rules say about unauthorized transactions
Under RBI’s July 6, 2017 circular, a customer has zero liability when a bank’s own fraud, negligence, or deficiency caused the unauthorized transaction, regardless of when the customer reports it. A customer also has zero liability for a third-party breach outside both the bank’s and customer’s control if the customer notifies the bank within three working days of receiving communication about the transaction. The circular places the burden of proving customer liability on the bank.
If the loss resulted from customer negligence—RBI gives sharing payment credentials as an example—the customer bears the loss up to the point of reporting the unauthorized transaction. The bank bears losses from unauthorized transactions that occur after the report.
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For a third-party breach outside both the bank’s and customer’s control, reporting within four to seven working days limits the customer’s liability per transaction to the transaction value or the applicable ceiling in the circular, whichever is lower. After seven working days, the bank’s board-approved policy governs liability.
When a shadow reversal is due
For cases that qualify for zero or limited liability, the circular says the bank must provide a shadow reversal within 10 working days of being notified, without waiting for an insurance settlement. The credit is value-dated to the date of the unauthorized transaction. The bank should resolve the complaint and establish any customer liability within the timeline in its policy, which cannot exceed 90 days. These timeframes concern qualifying unauthorized transactions; they are not a general deadline for refunding every UPI scam payment.
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RBI’s customer FAQ also advises customers to report unauthorized transactions immediately and summarizes the liability categories.
What to do after a UPI scam
- Contact your bank immediately through an official channel. Report the disputed debit as fraud or unauthorized if that accurately describes what happened. Ask the bank to register the complaint, take steps to prevent further unauthorized transactions, and give you a complaint reference. RBI says customers should report unauthorized transactions immediately and directs banks to act to prevent further unauthorized transactions after receiving a report.
- Call 1930 and file a report at the National Cybercrime Reporting Portal. The Government of India identifies both channels for reporting cyber incidents, including financial cyber fraud. Keep the acknowledgement or reference number. Go to cybercrime.gov.in.
- Keep records related to the incident. Save the transaction ID or UTR, amount, date and time, recipient details, bank and UPI-app complaint references, messages, call logs, screenshots, and any cybercrime or police acknowledgement. This list is practical documentation advice, not a complete checklist prescribed by the cited sources.
- Escalate through your bank’s grievance process if the complaint is unresolved. Check the bank’s current official instructions for the next step and applicable timelines.
Are RBI’s rules changing?
On March 24, 2026, the Ministry of Finance said RBI had issued revised instructions for public and stakeholder consultation on March 6, 2026, including a proposed compensation mechanism for small-value fraudulent electronic banking transactions. The available official information does not establish whether RBI later finalized or brought those proposals into force. Check RBI’s latest notification before relying on the 2017 circular as the current operative framework. Ministry of Finance statement, March 24, 2026.
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- True 25° Privacy Protection: Most privacy protector on the market only gives 30° viewing, IMBZBK's Privacy Coatings made of new materials from Germany with Microlourver Optical Technology, It offers optimum 25° degree peep (Smaller viewing angles mean stronger privacy protection). The screen is only visible to persons directly in front of the screen, maximum protection For your privacy & sensitive information, even your friends or colleagues sitting next to you also can't see on your messages.
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- Frontal Ultra HD & Original Touch: IMBZBK's privacy protector break through the defects of the blurred picture of the privacy glass films on the market, highly restore the best visual feast brought by the screen. Even more special...Our 0.28mm ultra-thin privacy glass innovatively applied a 9th gen oleophobic nano coating (top-notch skin-friendly), effectively reduces fingerprints, oil residue by 98% to make it smoother than the original screen!
- Camera Protector & Face ID Compatible: IMBZBK's camera protector made of 9H glass effectively protect entire lens from drops, scratches, other accidents. Nano electrostatic Automatic Adsorption Technology, easy installation and not easy to fall off. Special designed black circle compatible Night Shooting Function, brings you the original of beauty to every photo and video. Due to the precise opening for the front camera, the screen protector does not interfere with the Face ID feature.
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- [Compatible Models] - 3 Pack Privacy Glass Screen Protector for the iPhone 17e/iPhone 16e/iPhone 14/iPhone 13/iPhone 13 Pro(6.1 inch). Includes 3 privacy screen protectors and a cleaning kit. *Two types of packaging boxes are randomly shipped.
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