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Submit your complaint →Pabitra Ghosh, an employee at JK Cement Ltd, has reported an accidental fund transfer of ₹8,200 via BHIM UPI to a wrong account. Despite immediate reporting, the reversal process remains uncertain. Read the full complaint, legal options, and how Choice4Voice.com helps consumers recover wrongly transferred funds.
Complaint Summary : Pabitra Ghosh vs SBI – Wrong Fund Transfer via BHIM UPI (₹8,200) | Choice4Voice.com
| Field | Details |
|---|---|
| Complainant Name | Pabitra Ghosh |
| Profession | Employee at JK Cement Ltd |
| Company/Brand Involved | State Bank of India (SBI) |
| Other Institutions Mentioned | Axis Bank, National Payments Corporation of India (NPCI) |
| Product/Service | BHIM UPI / Fund Transfer |
| Complaint Type | Wrong fund transfer – reversal request |
| Transaction ID | 201000952274 |
| Transaction Date & Time | 03 November 2025, 8:10 PM |
| Amount Involved | ₹8,200 |
| Receiver’s Name | Vivek K Mandal |
| Receiver’s Contact | 9162004737 |
| Status | Awaiting reversal or confirmation from SBI |
| Platform Source | LinkedIn Public Post |
| Company’s Response | Not yet addressed |
Full Complaint Description
Pabitra Ghosh, an employee at JK Cement Ltd, has raised an urgent complaint regarding a wrong fund transfer of ₹8,200 through BHIM UPI on 03 November 2025 at 8:10 PM.
According to Pabitra, the money was mistakenly sent to Vivek K Mandal (Contact No. 9162004737) instead of the intended recipient. The transaction, marked as No. 201000952274, was processed instantly, leaving no opportunity to cancel or modify it.
He has immediately reported the issue to State Bank of India (SBI) and copied relevant authorities such as Axis Bank, NPCI, and Cybersecurity and Infrastructure Security Agency (CISA) to seek urgent reversal assistance.
Pabitra has requested SBI to take immediate steps to recover the transferred amount, given that UPI platforms often allow reversals in case of wrong account credit due to human error, provided the receiver consents or the bank intervenes promptly.
Key Issues Highlighted
- Incorrect UPI transfer of ₹8,200 to wrong account.
- Delay or uncertainty in reversal from SBI despite timely reporting.
- Need for a clear and accountable process for UPI fund recovery.
- Emotional and financial stress caused by the error.
Legal Case Can Be Filed
If State Bank of India or the receiver fails to cooperate in reversing the amount, the following legal remedies may apply:
| Law / Case Type | Description | Authority / Forum |
|---|---|---|
| Banking Ombudsman Complaint (RBI) | For failure to act on wrong UPI transfer complaint | RBI Integrated Ombudsman (cms.rbi.org.in) |
| Cyber Crime Complaint | For unauthorized retention of funds or refusal to return | https://cybercrime.gov.in |
| Consumer Protection Act, 2019 | For negligence or delay by bank in resolving issue | District Consumer Forum |
| Indian Penal Code – Section 403 | Criminal misappropriation if receiver refuses refund | Local Police Station / Cyber Cell |
| NPCI Grievance Escalation | Complaint against UPI network for reversal delay | https://www.npci.org.in |
How Choice4Voice.com Can Help
At Choice4Voice.com, we help customers like Pabitra take their unresolved complaints public to ensure brands and banks act promptly.
Here’s our process:
- Complaint Submission: Consumers share detailed complaints on our platform.
- Verification: Each case is verified for authenticity.
- Publication: Verified complaints are published on Choice4Voice.com and shared on LinkedIn for visibility.
- Company Notification: We inform the brand or bank to respond publicly.
- Legal Assistance: If the issue remains unresolved, our network connects the consumer with proper legal guidance.
By amplifying verified consumer voices, Choice4Voice.com ensures accountability in India’s financial ecosystem.
Step-by-Step Guide: How to Recover Money Sent to Wrong Account via UPI
- Immediately Inform Your Bank
- Contact your home branch or call the SBI Customer Care (1800 1234).
- Mention the Transaction ID (201000952274) and time of transfer.
- Email to SBI & Axis Bank
- SBI: epg.cms@sbi.co.in
- Axis Bank (if the receiver’s account is there): customer.service@axisbank.com
- Attach transaction proof and a clear reversal request.
- Register Complaint with NPCI
- Visit https://www.npci.org.in → FASTag/UPI Grievance → Submit Form.
- File Complaint on RBI CMS Portal
- Visit https://cms.rbi.org.in → Banking → Digital Transaction Issues.
- File Cybercrime Complaint (If Receiver Refuses to Return)
- Visit https://cybercrime.gov.in → Report Other Cyber Frauds.
- Submit Your Case at Choice4Voice.com
- Share your full details and we’ll publish your case to prompt quick action.
Author Section
About the Complainant:
Pabitra Ghosh works with JK Cement Ltd, a reputed name in the construction and building materials industry. Known for his professional discipline and integrity, Pabitra’s swift action and transparent reporting highlight the importance of consumer awareness in digital transactions. His experience represents thousands of Indians who mistakenly transfer funds and face uncertainty in recovering them.
Suggested Legal Templates
- Bank Complaint Email Template:
“Dear Sir/Madam, I am writing to report a wrong UPI transfer of ₹8,200 (Transaction ID: 201000952274) made on 03/11/2025 at 8:10 PM. The amount was sent mistakenly to Vivek K Mandal (Mobile: 9162004737). Kindly initiate an urgent reversal process and confirm action taken. Regards, [Your Name].” - Cybercrime Complaint Statement:
“I mistakenly transferred funds via UPI. The receiver has refused to refund. I request investigation under Section 403 IPC for criminal misappropriation of funds.”
Commonly Asked Questions (FAQs)
1. Can a wrong UPI transfer be reversed?
Yes, if reported immediately and the receiver has not withdrawn the funds.
2. How long does it take to get money back from a wrong UPI transfer?
Usually within 5–7 working days, depending on bank cooperation.
3. What if the receiver refuses to return the money?
File a cybercrime complaint under IPC Section 403 (misappropriation).
4. Can NPCI intervene directly?
Yes, NPCI can direct banks to coordinate fund reversals for genuine errors.
5. Is the bank responsible for a wrong UPI transfer?
Not if you entered wrong details, but the bank must help in initiating reversal.
6. What if the money is already withdrawn?
Recovery becomes legal; you can pursue it through a police or cyber complaint.
7. Should I contact the receiver directly?
Only if it’s safe. Always involve your bank in communications.
8. Can I use the BHIM app to cancel a transaction?
No, once processed, UPI transactions cannot be canceled by the sender.
9. How can I check if reversal is initiated?
You’ll get a confirmation SMS or email from your bank when reversal is successful.
10. What are RBI’s rules on wrong UPI transfers?
Banks must resolve such issues within 30 days of receiving a formal complaint.
11. Can I claim compensation for delays?
Yes, under the Consumer Protection Act, 2019, for mental harassment or service delay.
12. Can Choice4Voice.com take legal action on my behalf?
No, but we can guide and amplify your case for faster resolution.
13. What proof should I keep?
Transaction screenshot, bank statement, emails, and complaint IDs.
14. Are UPI frauds and wrong transfers the same?
No, wrong transfers are user errors; frauds involve deception.
15. Can I contact NPCI directly?
Yes, email upi@npci.org.in for unresolved UPI issues.
16. Does the receiver get penalized for keeping money?
Yes, it may be treated as criminal misappropriation under IPC 403.
17. What is the role of RBI Ombudsman?
To ensure banks act fairly in customer complaints.
18. How can I track my complaint status?
On cms.rbi.org.in or through your bank’s complaint tracking portal.
19. How does Choice4Voice.com verify complaints?
Each complaint is manually reviewed before publication.
20. How can I submit my complaint to Choice4Voice.com?
Visit www.choice4voice.com and fill the simple complaint form with proof attachments.
✅ If you’ve sent money to the wrong UPI ID or number, report it immediately to your bank and submit your case on Choice4Voice.com to make your voice heard.
Together, we bring accountability and awareness to India’s digital payment system.
