HaqdaarFree self-filing steps
- In the UPI app you paid with: open the transaction → raise a complaint. Note the reference.
- Not sorted? Escalate to your bank (official app, website or branch), in writing.
- No reply in 30 days, or unhappy with the reply? RBI Ombudsman: cms.rbi.org.in or call 14448, within 90 days after that.
Free self-filing steps
- Complain to your bank (the card issuer) in writing: app, website, branch or the official helpline from the bank's website.
- No reply in 30 days, or unhappy with the reply? RBI Ombudsman: cms.rbi.org.in / 14448.
Free self-filing steps
- Email the airline (and the app or agent, if you booked through one) with PNR, cancellation proof and payment proof. Ask for a refund to the original payment method.
- Not sorted? National Consumer Helpline: 1915, or WhatsApp 8800001915 (consumerhelpline.gov.in).
- Still stuck? Consumer commission online: edaakhil.nic.in.
Free self-filing steps
- Complain to the platform's grievance officer (contact details must be on the platform). Keep the ticket number.
- No fix within 1 month? National Consumer Helpline: 1915 / WhatsApp 8800001915 (consumerhelpline.gov.in).
- Still stuck? edaakhil.nic.in.
The deadlines this checker uses
| Case | Deadline | If late |
|---|---|---|
| UPI to a person | T + 1 day | ₹100/day from the bank |
| UPI to a merchant | T + 5 days | ₹100/day |
| ATM cash not dispensed | T + 5 days | ₹100/day |
| Card payment failed | T + 5 days | ₹100/day |
| Flight, paid by credit card | Cancellation + 7 days | No fixed compensation |
| Flight, via app or agent | Cancellation + 14 working days | No fixed compensation |
| Flight, other payment modes | No fixed DGCA day count | Ask the airline in writing |
| Online shopping | Complaint + 48 hours (acknowledge), + 1 month (resolve) | Escalate |
T = the day of the transaction, in IST. RBI deadlines count calendar days, weekends included.
Filing yourself is free. Want help? WhatsApp Haqdaar, run by Srinal Earakula.
Filing yourself is free. We never ask for OTP, PIN or bank login.
Frequently asked questions
Is this checker free?
Yes. No login, nothing stored.
Do I need Haqdaar to file?
No. Filing yourself is free, and the steps above are all you need.
What does "T" mean?
The day of the transaction (calendar date, weekends included).
Who pays the ₹100/day?
The bank, under RBI's rules for failed transactions. It applies to failed UPI, ATM and card transactions, not flights or shopping.
I sent UPI to the wrong person by mistake.
That isn't a "failed transaction", so these deadlines don't apply. Contact your bank.
The payment worked but the seller didn't deliver.
That's a shopping or consumer complaint, not a failed transaction. Use the online shopping steps.
What does Haqdaar charge?
We explain our terms on WhatsApp before you share any case details, and there's no obligation. Filing yourself is always free.
Will you ask for my OTP?
Never. Not for anything.
General information based on official rules, not legal advice. We can't promise any result or timeline; that depends on the bank, airline or platform and the facts of your case. Haqdaar, run by Srinal Earakula, is not affiliated with RBI, NPCI, DGCA, the Department of Consumer Affairs or any bank, airline or platform.
Sources
- RBI circular RBI/2019-20/67, 20 Sep 2019: Harmonisation of TAT and customer compensation for failed transactions
- DGCA CAR Section 3, Series M, Part II: Refund of Airline Tickets (effective 26 Mar 2026)
- Consumer Protection (E-Commerce) Rules, 2020, rule 4(5)
- RBI Integrated Ombudsman Scheme FAQ (30 days / 90 days)
- National Consumer Helpline (1915, WhatsApp 8800001915)