Bank account me chhupe hue subscriptions (auto payments) kaise dhundhe?

Mahine ke end mein hisaab lagate hain aur ₹1,500 ka koi ata-pata nahi hota. Bank account mein chhupe hue subscriptions yahi karte hain — ₹99, ₹149, ₹299 karke chup-chaap nikalte rehte hain aur kabhi bhi bade nahi lagte. Inhe dhoondhna 10 minute ka kaam hai.

Check 1: Bank statement mein pattern dhoondein

1. Pichhle 3 mahine ka statement PDF download karein.
2. Aise debits mark karein jo har mahine same amount aur lagbhag same date par aate hain.
3. Narration mein mandate, UPI mandate ya merchant ka naam dikhega — usse pehchaan lein.
4. Jo naam samajh na aaye, use Google karein; kai baar billing entity ka naam app ke naam se alag hota hai.

Repeat amount + repeat date = subscription. Ye rule almost hamesha sahi baithta hai.

Check 2: Apne UPI apps ki mandate list kholein

• PhonePe: profile icon (top-left) → Manage AutoPay
• Google Pay: profile picture (top-right) → Autopay
• Paytm: profile icon → UPI Automatic Payments → Manage
• BHIM: Mandate → My Mandates

Yahan active mandates merchant name, amount, frequency aur next debit date ke saath dikhte hain. Agar aapke ek se zyada bank accounts hain, to har account select karke alag-alag check karein — mandate account se juda hota hai, app se nahi.

Check 3: SMS aur email search karein

Har debit se pehle pre-debit notification aata hai aur baad mein post-transaction notification, jisme merchant name, amount, transaction reference number aur e-mandate reference number hota hai. Apne SMS app mein mandate, AutoPay ya debited search karein. Email mein subscription aur auto-renew search karein. Jo bhi mile, uska reference number note kar lein — cancel karte waqt kaam aayega.

Ek zaroori baat

Mandate kisi bhi UPI app se cancel ho sakta hai jo us bank account se linked hai, sirf usi app se nahi jisme bana tha. Aur cancel karne par debit rukta hai — merchant ke saath service alag se cancel karni hoti hai.

FAQ

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

Purane subscriptions cancel karne se credit score girta hai? Nahi — sirf loan EMI mandate alag hai, jahan EMI miss hone se score par asar padta hai.

Conclusion

Teen checks — statement, mandate list, aur SMS search — mila kar poori picture saaf ho jaati hai. Aaj kar lein, agle debit se pehle.