Bina bataye bank se paise kat gaye? UPI subscription mandate kaise check karein.

Bank ka SMS aaya — ₹499 debit. Aapne kuch order nahi kiya, kisi ko paise nahi bheje. Ghabraahat hoti hai, lekin aksar ye koi purana UPI subscription mandate hota hai jo kisi free trial ke time approve ho gaya tha.

Sabse pehle SMS ko dhyaan se padhein

Debit ke baad jo post-transaction notification aata hai, usme ye details honi chahiye:

• Merchant ka naam
• Amount
• Date aur time
• Transaction reference number
• E-mandate reference number
• Debit ka reason
• Bank ki grievance redressal details

Usme se e-mandate reference number sabse kaam ka hai — usi se pata chalega ki kaunsa mandate paise kaat raha hai.

Apne active UPI subscription mandate kaise check karein

1. Apna UPI app kholein.
2. Menu par jaayein — PhonePe: profile icon (top-left) → Manage AutoPay. Google Pay: profile picture (top-right) → Autopay. Paytm: profile icon → UPI Automatic Payments. BHIM: Mandate → My Mandates.
3. Active mandates ki poori list dekhein — merchant name, amount aur next debit date ke saath.
4. SMS wale reference number se match karein.
5. Jo pehchaan mein na aaye, use cancel ya revoke kar dein.

Yaad rakhein: mandate kisi bhi UPI app se cancel ho sakta hai jo us bank account se linked hai — usi app ki zarurat nahi jisme wo bana tha.

Agar paisa galat kata hai to kya karein

1. SMS se merchant name aur mandate reference number note karein.
2. Usi UPI app mein complaint raise karein — Help → Report an issue us transaction par.
3. 3 din mein hal na nikle to apne bank mein complaint karein; banks ko tay turnaround ke andar resolve karna hota hai.
4. 30 din baad bhi settle na ho to RBI Ombudsman ke paas jaayein — cms.rbi.org.in.

Refund ki guarantee nahi hoti, lekin agar debit unauthorised tha ya mandate pehle hi revoke ho chuka tha, to refund possible hai.

Ek zaroori baat

₹15,000 se upar ke debit par AFA lagta hai — matlab UPI PIN maanga jaayega. Lekin insurance premium, mutual fund SIP aur credit card bill mein ye limit ₹1,00,000 hai, isliye badi amount bhi bina PIN ke kat sakti hai.

FAQ

Mandate cancel karne se CIBIL girega? Nahi. Sirf loan EMI mandate alag hai — EMI miss hui to score par asar padta hai.

Kya mandate apne aap band ho jaayega? Nahi, apni end date tak chalta rahega.

Conclusion

Aksar bina bataye debit asal mein bina dekhe debit hota hai — notification aaya tha, notice nahi hua. Aaj apni mandate list dekhein aur faltu wale cancel karein.