Adda52 Withdrawal & Customer Care: Recover Your Poker Balance

The 30-second answer

Adda52 — India’s biggest online poker site, run by Deltatech Gaming Limited (formerly Gaussian Networks, now owned by Head Digital Works) — discontinued its real-money cash games under PROGA and now tells users to withdraw their winnings. Money still leaves through the in-app cashier after PAN KYC, minus 30% TDS on net winnings under Section 194BA. There is no statutory 180-day refund right. If a payout is stuck, climb the bank/NPCI dispute → operator → OGAI ladder, and use only in-app support and [email protected].

Read this before you call any “Adda52 helpline” you found on Google. Two things are true at once in mid-2026, and confusing them costs people money. First, your Adda52 balance is almost certainly recoverable — the company explicitly posted “In light of the regulatory changes, cash games are no longer available on Adda52. We urge you to withdraw your winnings,” and the withdrawal cashier still runs. Second, the gap left by a shut-down product is exactly where scammers operate: fake “Adda52 customer care numbers” seeded across Google, YouTube comments and Telegram exist to phish your OTP and UPI PIN and to con you into a “verification deposit.” This page does two jobs at once. It maps the real Adda52 channels (in-app support, [email protected], the official customer-support page, and the Priority Connect grievance route) and warns you off the fake ones — and it walks the money-out mechanics: the withdrawal flow, KYC and PAN, the 30% TDS that makes your payout arrive smaller, realistic timelines, and the precise escalation if rupees go missing on the rail. The up-link for the whole cross-operator dispute spine is refund and dispute recovery; the contact-escalation playbook is customer care escalation.

The 180-day myth, killed up front. A lot of advice circulating in 2026 says Indian law guarantees you 180 days to pull money out of a wound-down gaming app. That is wrong as of the final notified Rules. The draft Promotion and Regulation of Online Gaming Rules (October 2025) did float a 180-day remittance window — but it was dropped from the version that came into force on 1 May 2026 (Mondaq analysis of PROGA and the 2026 Rules). So your right to get your Adda52 balance out today does not rest on a statutory deadline. It rests on three real things: Adda52’s own voluntary wind-down withdrawal flow, ordinary consumer and contract law plus the RBI/NPCI payment-rail rules, and the OGAI grievance ladder — operator first, then the Online Gaming Authority of India within 30 days, then an appeal to the Secretary, MeitY. Don’t wait for a deadline that doesn’t exist; move the money now.

What actually happened to Adda52 — and why your balance is still reachable

Before you can get money out of Adda52, get the facts straight, because the rumours are doing real damage. People are paying fake “refund agents,” pouring “unlock deposits” into a product that no longer takes cash play, and missing the simple in-app cashier that still works. Here is the accurate picture, named and dated.

Adda52 is an online poker platform, not a Teen Patti or rummy clone. It launched in 2011 and grew into India’s largest real-money poker site, hosting cash tables, sit-and-go and multi-table tournaments. The product you are trying to withdraw from is a poker wallet: real rupees you deposited and real rupees you won at the tables.

The corporate chain behind it matters, because it tells you who is legally on the hook for your balance and which entity’s grievance process you climb. Adda52 has been operated by Gaussian Networks Private Limited, which was renamed Deltatech Gaming Limited (DGL). DGL was a subsidiary of the listed casino-and-gaming group Delta Corp Limited. In 2025, Head Digital Works Private Limited (HDW) — the company behind the A23 rummy and poker brands — acquired Deltatech Gaming for around ₹491 crore, with DGL ultimately merging into HDW (Inc42 on the HDW–Adda52 deal; NEXT.io). One correction worth making loudly, because it’s a common mix-up: Adda52 is not a Play Games24x7 product. Games24x7 runs RummyCircle and My11Circle — a different company entirely. If you read “Adda52 is owned by Games24x7” somewhere, that source is wrong, and a source that gets the owner wrong is a source you shouldn’t trust on refunds.

Why does the owner matter for your money? Because your withdrawal, your KYC and your grievance all run against the operating entity — and after a 2025 acquisition that means the obligation sits with the surviving entity (HDW / Deltatech Gaming), not with a “vanished startup.” A company that was just bought for hundreds of crores is a company with a balance sheet, a compliance team and a public grievance process — which is exactly the kind of operator a wind-down recovery actually works against.

The PROGA trigger and the cash-game shutdown

The reason cash play stopped is the Promotion and Regulation of Online Gaming Act, 2025 (PROGA), which received Presidential assent on 22 August 2025 and prohibits all online money games — skill or chance — where you stake money for a monetary return. The operating Rules came into force on 1 May 2026. Poker had for years been argued as a game of skill and therefore legal in most states; PROGA collapsed that distinction for online money games, so “poker is skill” no longer keeps a real-money poker product legal. Operators across the sector suspended cash formats from late August 2025, and Adda52 followed.

What that looks like on Adda52 today is a plain on-site notice: “In light of the regulatory changes, cash games are no longer available on Adda52. We urge you to withdraw your winnings for a hassle-free experience” (Adda52 FAQ). Read that sentence carefully, because it contains the two facts that govern your whole situation:

1. Cash games are off. You cannot deposit and play for money anymore. A new real-money deposit into the game is now illegal under PROGA, so the platform won’t take one — and anyone telling you to “deposit ₹X to unlock your withdrawal” is running a scam.
2. You are being urged to withdraw. The operator is actively pointing existing-balance holders at the cashier. The withdrawal path is open by the operator’s own choice, not because a law forced a deadline.

Crucially, the shutdown was a suspension of the cash game, not a seizure of your funds. Your reachable money is your withdrawable balance — your winnings and any eligible unused deposit. The poker chips you can no longer play with are irrelevant to recovery; the rupee figure on the cashier is what you withdraw.

The single most important framing on this page

There are two completely different “Adda52 problems,” and they escalate in opposite directions:

• A gaming-app problem — the cashier won’t release your balance, KYC is blocking it, the amount looks wrong, the account is restricted. You escalate this to Adda52 support → Priority Connect grievance → OGAI.
• A payment-rail problem — Adda52 approved and sent the money, but it never reached your bank (debited-but-not-credited, “paid” but missing). You escalate this to your bank → NPCI UPI dispute → RBI Ombudsman, using the UTR.

Sorting your case into the right column is 80% of the fix. The rest of this page is the manual for both, with the exact channels, the tax math so you don’t mistake a legal deduction for theft, and copy-paste templates.

REAL Adda52 channels vs the fake “customer care numbers” (read this first)

The fake-care-number scam is the single most dangerous thing around a wound-down RMG app, so it goes before the mechanics. A stalled balance makes people desperate, desperate people Google “Adda52 customer care number,” and the top results are frequently planted by scammers. Here is how to tell real from fake, and the actual channels.

The real channels (verify each against the official site)

• In-app support / live chat. Adda52 routes support inside the app and on the logged-in website. This is the primary channel and the one a scammer cannot impersonate, because you reach it from within your own authenticated account — not by dialing a number off a webpage. Start here.
• Official email: [email protected]. This is the email Adda52’s own notice points users to for withdrawal and regulatory queries (Adda52 FAQ). Email is your paper trail — use it for anything you may later need to escalate.
• Official customer-support page: adda52.com/customer-support. Reach this by typing adda52.com into your browser yourself — never by clicking a link in a random “support” result. The legitimate channels live behind the official domain.
• Priority Connect / grievance route: [email protected] (Adda52’s grievance-redressal escalation, per adda52.com/grievanceredressal). Use this when normal support hasn’t resolved a clearly-owed payout — it’s the operator-level grievance rung before you go to OGAI.

The phone-number warning — why this page publishes no single helpline

Here’s an honest, important caveat: third-party sites list conflicting “Adda52 toll-free numbers” — you’ll see one number on one aggregator and a different number on another. When the numbers don’t even agree across sources, publishing any one of them as “the official line” would be irresponsible, and dialing a number that turns out to be a scammer’s is exactly how OTP/PIN theft happens. So this page deliberately gives you no phone number to call. Instead:

• Reach support from inside the app or via [email protected], both of which you control.
• If you genuinely want a phone option, find it only on the logged-in official site / app, confirm it’s published there, and treat any number from a search result, ad, YouTube comment or Telegram group as suspect until verified on adda52.com itself.

The five fake-care red flags (any one = stop)

1. A “customer care number” found on a random website, ad, or YouTube/Telegram comment. Real support is in-app; many legal apps have no public phone helpline at all, and the numbers floating around Google for Adda52 don’t even agree. Never call back a number you didn’t get from the official logged-in site. Report fakes to 1930 / cybercrime.gov.in.
2. Anyone who asks for your OTP, UPI PIN, password, or a screen-share. Legitimate Adda52 support never needs your OTP or PIN. The instant a “support agent” asks, you’re talking to a thief. Hang up.
3. “Deposit ₹X to release/verify your withdrawal.” No legal app needs a deposit to process a withdrawal — and post-PROGA a new money-game deposit is illegal. This is the clearest theft pattern in the category. Stop, screenshot, report.
4. A “refund agent” who promises to recover your balance for a fee or a commission. There is no paid fast-track. Withdrawals run through the official cashier and disputes through free government channels (NPCI, RBI Ombudsman, consumer helpline). Anyone charging to “unlock” your money is running a second scam on top of your stuck payout.
5. A look-alike domain or a “mod/clone” Adda52 APK. Phishing clones mimic the brand to harvest logins. Only use the app from its official source and the site at adda52.com typed by hand. A clone can take your credentials and your balance with no recourse.

The contact rule in one line: start in-app, paper-trail by [email protected], escalate via Priority Connect, and never trust a phone number you didn’t read on the logged-in official site. For the full cross-operator version of this — how to find any RMG operator’s real grievance officer and dodge fake numbers — see customer care escalation.

How an Adda52 withdrawal actually works (the four gates)

Every cash-out from a regulated Indian RMG operator passes through four gates in order, and a “stuck” withdrawal is just a payout sitting at one of them. Naming the gate tells you the fix. Adda52’s poker cashier follows the same four-gate shape, with the wind-down adding one wrinkle: cash play is gone, but the withdrawal path stays open.

Gate 1 — KYC verification (PAN + bank/ID)

No legal real-money platform in India can pay cash to an un-verified account — that’s anti-money-laundering law, not the operator being difficult. To withdraw from Adda52 you generally need:

• PAN card — mandatory, because the operator must report TDS against your PAN (the tax section makes this exact). No PAN, no withdrawal.
• Government ID / address proof for identity verification.
• A bank account or UPI ID in your own name whose holder name matches your KYC.

The single most common silent reason a poker withdrawal stalls is a name mismatch — your bank account or UPI handle reads “RAHUL K” while your PAN reads “Rahul Kumar,” so the risk engine can’t auto-match and parks the payout for manual review. If your first wind-down withdrawal is “pending” while you expected it instant, suspect a name/KYC mismatch first. The fix is to make the withdrawal account’s name match your PAN exactly, then re-submit. For the document-level version of this fix across operators, the KYC cluster goes deeper.

Gate 2 — The withdrawal request and limit checks

When you request a payout, the cashier checks the amount against the operator’s rules:

• Minimum withdrawal — there’s typically a floor (often a round figure like ₹100); a request under it simply won’t submit.
• Withdrawable vs total balance — your headline wallet number may include amounts that aren’t directly withdrawable. On a poker product the winnings pot is the cleanly withdrawable one; read the withdrawable figure on the cashier, not the top-line balance.
• Daily/processing caps — operators can cap how much exits in a window for their own risk control. Hitting an undisclosed cap looks exactly like a “stuck” withdrawal — the request just sits.

If you’re blocked here, the cause is a rule, not a payment failure, and the only fix is to satisfy the rule (finish KYC, lower the amount, use the right pot) or to query it with support.

Gate 3 — The operator’s payout queue and risk hold

Once your request clears the rules it enters Adda52’s payout queue, and this is where most genuine delays live:

• Auto vs manual review. Small, clean payouts from trusted, fully-KYC’d accounts are usually auto-approved. Larger amounts, a first withdrawal, a sudden win spike, or an account flagged for an unusual pattern get routed to manual review — a human or a slower batch process approves them. Manual review is where “pending for several hours / a day” comes from.
• Risk holds. If the anti-fraud system suspects collusion, multi-accounting, or a payment-method problem, it can hold the payout pending investigation. The tell is a support reply mentioning “verification,” “review,” or “security.”

An honest read: a regulated operator winding down and urging you to withdraw has no incentive to queue your money to keep it — it would reject with a reason instead. A payout sitting in the queue is far more often a slow approval than a theft.

Gate 4 — Settlement on the payment rail (UPI / IMPS / bank)

Finally, the approved payout is handed to the bank/aggregator and travels over UPI (the instant rail run by NPCI) for smaller amounts, or IMPS / bank transfer for larger ones. UPI is near-instant when it works — but the rail has its own failure modes (a beneficiary bank that’s down, a UPI handle that no longer resolves, a daily limit on your receiving account). When settlement fails after Adda52 has already debited its side, you get the “debited but not credited” state — and that state has the strongest consumer protection in the whole chain, covered below.

The four-gate takeaway: Gates 1, 2, 3 are gaming-app problems (escalate to Adda52, then Priority Connect, then OGAI). Gate 4 is a payment-rail problem (escalate to your bank, then NPCI, then RBI). Find your gate before you escalate, or you’ll knock on the wrong door for a week.

The Adda52 wind-down withdrawal flow, step by step

The cashier flow is the same one Adda52 always used; the only change is that you reach it to take money out, not to fund cash play. Exact menu labels can shift between app versions, so treat these as the reliable shape, and confirm the live wording in your own app.

1. Log in to your own account — only ever at adda52.com typed by hand, or the official app. Never via a link from a “support” message.
2. Open the Cashier / Withdraw section. On Adda52 this is the banking area of your logged-in account where deposits and withdrawals live.
3. Complete or confirm KYC. If you’ve never withdrawn before, this is where PAN and bank/ID verification gets enforced. Make sure the bank account holder name matches your PAN exactly — this is the number-one stall.
4. Enter the withdrawal amount from your withdrawable balance (your winnings pot). Check it’s above the minimum and that you’re reading the withdrawable figure, not the headline wallet number.
5. Submit and capture the reference. Screenshot the confirmation. When a payout reference / UTR appears, record it immediately — you cannot trace a “paid but missing” payout later without it.
6. Wait the stated window. A clean repeat payout can be quick; a first withdrawal or a large amount may sit in manual review for hours. Don’t spam support inside the normal window.
7. If it’s past the window, raise an in-app ticket, then email [email protected] with the amount, timestamp and reference, and get a ticket ID in writing.

Two wind-down-specific notes. First, because cash games are closed, your only legitimate action on Adda52 is withdrawing — there is no reason to deposit, and any prompt to deposit “to enable” a withdrawal is a scam flag. Second, if your account has been dormant since the August 2025 suspension, expect the first withdrawal to trigger a full KYC re-check; that’s routine, not a block.

What’s happening when settlement fails: NPCI batch windows and auto-reversal

Here’s the piece most explainers skip. “UPI is instant” is true for the successful path. The failure path is not instant — it runs on reconciliation cycles, which is why a failed payout can sit in limbo for a day before it bounces back.

When a UPI payout is initiated, money is debited at the sending side and a credit instruction goes to your bank. If your bank doesn’t confirm the credit (it was down, the handle didn’t resolve, a timeout), the transaction sits in a deemed-failed / pending state. It does not reverse the instant the screen says “failed.” Banks reconcile these in cycles, and the rule that governs the outcome is RBI’s Harmonisation of Turn Around Time (TAT) circular.

Per RBI Circular DPSS.CO.PD No.629/02.01.014/2019-20, dated 20 September 2019, the binding numbers are:

• Account-to-account UPI where you were debited but the beneficiary wasn’t credited: the transaction must be auto-reversed by T+1 (the day after the transaction). If it isn’t, your bank owes you ₹100 per day of delay beyond T+1, credited automatically — you don’t have to ask.
• UPI to a merchant where confirmation failed: the auto-reversal window is up to T+5 before the same ₹100/day compensation kicks in.

So if your Adda52 payout shows “failed” and the money left somewhere, the system is already obligated to put it back, usually within one working day, automatically. The correct first move on a debited-but-not-credited payout is therefore often wait through T+1, then dispute — not panic-spam support on hour one.

The mechanism that processes these is NPCI’s Unified Dispute and Issue Resolution (UDIR) system, surfaced for consumers at the UPI Help portal (upihelp.npci.org.in). UDIR can auto-convert an unresolved complaint into a chargeback once the prescribed TAT lapses. There’s also an NPCI UPI complaint line at 1800-120-1740 and a help email at [email protected]. (The ₹100/day compensation applies to technical/system failures, not to your mistakes like sending to a wrong handle — but an Adda52-to-you payout is a system path, so it’s covered.)

The practical takeaway: a failed UPI payout is the best stuck state to be in, because the refund is rule-mandated and largely automatic. A “success/paid” payout that never arrived is worse — there the money supposedly went somewhere, so you need the UTR to prove it didn’t reach you. And a payout still sitting in Adda52’s queue (Gate 3) is a gaming-app problem until Adda52 actually hands it to the rail.

The withdrawal-time reality table

Forget “instant.” Here is what is actually normal versus delayed versus a problem. Timings marked with a rule reference are RBI/NPCI-mandated; the rest are typical industry behaviour for legal Indian RMG operators and should be read as estimates, not as Adda52’s published SLA or anyone’s personal payout test.

Read that table as a clock. The moment you cross from “slow” into “problem” for your row is the moment you start the written paper trail. Don’t escalate early (support will just tell you to wait) and don’t escalate late (you’ll blow past a TAT and lose the easy refund).

”I got less than I withdrew” — the Adda52 tax reality (194BA and GST)

A massive share of “Adda52 cheated me” complaints are actually tax, correctly deducted. If your payout arrived but smaller than your winnings, read this before you dispute anything — disputing a legal TDS deduction wastes the days you’d need for a real problem.

Income tax: 30% TDS on net winnings (Section 194BA)

Since 1 April 2023, every legal online-gaming operator in India must deduct TDS at 30% on your net winnings — with no minimum threshold. The old ₹10,000 threshold is gone. This is Section 194BA of the Income-tax Act, introduced by the Finance Act 2023, with the computation mechanism set out in Rule 133 and the CBDT Circular No. 5/2023 dated 22 May 2023. Adda52, as a poker operator, deducts on the same rule — its TDS is on net winnings, reported against your PAN, which is precisely why PAN-KYC is mandatory before any withdrawal.

“Net winnings” is not “every win.” Per Rule 133, the financial-year formula is:

Net winnings = (A + D) − (B + C) where A = total amount withdrawn during the year, D = closing wallet balance at 31 March, B = total non-taxable deposits during the year, C = opening wallet balance at 1 April. (Non-withdrawable bonuses are excluded from balances and aren’t deposits.) — Rule 133 / Circular 5/2023

In plain terms, the operator taxes the amount you actually came out ahead, not every rupee that crossed the table. TDS is deducted at each withdrawal and on any remaining net winnings at financial-year end — so a year-end balance you never withdrew can still be taxed.

Worked example 1 — a net-winning poker player

Assume a single Adda52 account, no opening balance, a clean financial year.

• You deposit ₹20,000 during the year (this is B, your non-taxable deposit).
• You run good at the tables and your withdrawable balance grows to ₹50,000.
• You withdraw ₹50,000 (this is A).
• Opening balance C = ₹0, closing balance D = ₹0 (you cashed it all out).

Net winnings = (A + D) − (B + C) = (50,000 + 0) − (20,000 + 0) = ₹30,000.

TDS at 30% on ₹30,000 = ₹9,000. So Adda52 pays out ₹50,000 − ₹9,000 = ₹41,000 to your bank, and remits ₹9,000 against your PAN. Your bank shows ₹41,000 arriving; the “missing” ₹9,000 is in your Form 26AS / Annual Information Statement (AIS) and is creditable when you file your return — you are not simply losing it.

Worked example 2 — a smaller cash-out, mid-year

• Earlier in the year you deposited ₹5,000 (part of B) and your cumulative deposits for the year total ₹5,000.
• You build a ₹8,000 withdrawable balance and withdraw ₹8,000 (A), leaving D = ₹0.

Net winnings = (8,000 + 0) − (5,000 + 0) = ₹3,000. TDS at 30% = ₹900. You receive ₹7,100; ₹900 sits against your PAN. The per-withdrawal mechanism only taxes the net-winnings portion not already taxed, so within a year it won’t double-tax the same rupees (CBDT worked illustration).

Worked example 3 — a net-losing year (no TDS)

• You deposit ₹20,000 (B) over the year.
• You lose more than you win and withdraw ₹12,000 total (A), with C = D = ₹0.

Net winnings = (12,000 + 0) − (20,000 + 0) = −₹8,000. Net winnings are negative, so there is no TDS — you didn’t come out ahead, so there’s nothing to tax, and Adda52 should pay your ₹12,000 in full. Two cautions from the CBDT guidance: a negative net-winnings figure cannot claw back TDS already deducted on an earlier withdrawal that year (you adjust that in your ITR, not against the TDS), and if you hold multiple accounts on the same platform, the operator must consolidate them before computing net winnings.

The year-end edge case

Suppose you withdrew nothing during the year but ended 31 March with ₹15,000 of net winnings still in your Adda52 wallet (A = 0, D = 15,000, B and C = 0). Net winnings = (0 + 15,000) − 0 = ₹15,000, and the operator must deduct ₹4,500 TDS on that balance at year-end even though you never cashed out. So if your wind-down balance looks smaller than your peak winnings, part of the gap may be a prior year-end 194BA deduction, not a glitch.

GST: 28% on deposits (why your old deposits bought fewer chips)

Separately, since 1 October 2023, online money gaming attracted 28% GST on the full value of deposits (not on winnings), under CBIC notifications dated 29 September 2023. That’s a deposit-side tax, so it never reduces a withdrawal — but it’s why ₹100 you deposited back when cash play was live converted to fewer playable chips than you expected. It is not a “deposit not fully credited” bug.

The tax bottom line in two numbers: 30% comes off your net winnings on the way out (Section 194BA, no threshold), and 28% GST sat on your deposits on the way in (now moot, since you can’t deposit). If your Adda52 shortfall matches a 30% cut on net winnings, stand down — that’s TDS, and it’s yours to reclaim at filing. A forward note: from 1 April 2026, the 194BA provision is consolidated under Section 393(3) of the new Income-tax Act, 2025, but the 30% on net winnings, no threshold substance carries over.

The no-statutory-window reality: what your recovery rights actually rest on

This is the legal heart of the page, and getting it right protects you from both the 180-day myth and from giving up too early.

The draft 180-day window was dropped

When the government published the draft Promotion and Regulation of Online Gaming Rules in October 2025, an early version floated a 180-day remittance window for winding-down operators to return user balances. That draft provision did not survive into the final notified Rules that came into force on 1 May 2026 (Mondaq, India’s Online Gaming Reset: Decoding PROGA and the 2026 Rules). So as of mid-2026 there is no statutory 180-day refund right, and no fixed legal deadline by which Adda52 “must” hand back your balance. Anyone quoting you a 180-day clock is quoting a rule that was deleted.

Two practical consequences:

1. Don’t wait for a deadline that doesn’t exist. Some people are sitting on a stuck balance “because I have 180 days.” You don’t have a statutory 180 days, and the safest assumption is that a voluntary withdrawal window stays open only as long as the operator chooses to run it. Move your money now.
2. Don’t despair because the window is gone, either. The absence of a statutory refund right does not mean you have no rights. It means your rights come from three other places, all of which are real.

Where your recovery rights actually come from

• The operator’s voluntary wind-down withdrawal flow. Adda52 has publicly urged users to withdraw and keeps the cashier open. That public statement plus the live withdrawal path is your most direct route — it’s the operator honouring its own balances. Use it first, in full.
• Ordinary consumer and contract law, plus the RBI/NPCI payment-rail rules. Your balance is money the operator holds for you; failing to return a clearly-owed, KYC-clean balance is a service deficiency you can pursue through the National Consumer Helpline (1915) and the consumer-forum route. And the moment money is on the payment rail, the RBI failed-transaction circular and NPCI UDIR give you hard, enforceable timelines (T+1 auto-reversal, ₹100/day) against your bank, which is RBI-regulated.
• The OGAI grievance ladder. Under the 2026 Rules, an end user aggrieved by an operator’s grievance outcome may approach the Online Gaming Authority of India (OGAI) within thirty days, with a further appeal route to the Secretary, MeitY (Mondaq). So the structured ladder is operator grievance first → OGAI within 30 days → appeal to MeitY.

What this means for an Adda52 holder specifically

Your recovery doesn’t depend on a refund deadline. It depends on (a) running Adda52’s open cashier to completion, (b) using the RBI/NPCI rail rules the instant a payout fails on the bank side, and (c) climbing operator-grievance → OGAI if Adda52 refuses a clearly-owed balance. That’s a stronger position than a single 180-day clock, because it has three independent levers instead of one expiring one. And it’s why this page keeps repeating: never deposit again — a fresh money-game deposit is illegal and recovers nothing.

The universal Day-0-to-30 escalation ladder (Adda52 edition)

This is the spine, and it works because each action matches the rule-clock above. Don’t skip rungs (you’ll waste days) and don’t jump to RBI on Day 1 (they’ll bounce you back to the entity). Climb in order. Every rung has a copy-paste template below.

Day 0 — Freeze the evidence and open the in-app ticket

The highest-leverage thing you do on Day 0 is documentation, not complaining. Within the first hour:

• Screenshot everything: the withdrawal request, the cashier status, the amount, the timestamp, and your wallet balance before and after. Date-stamped screenshots are your evidence.
• Capture the UTR / payout reference the moment one appears. No UTR = you can’t trace a “paid” payout. It’s a 12-digit reference in your UPI app’s transaction history and on the cashier record.
• Raise the in-app support ticket with the amount, timestamp and UTR, and get a ticket / complaint ID in writing — this timestamps your complaint for the 30-day clocks later.

Do not start a second account, do not deposit anything “to unlock” the withdrawal, and never share an OTP or UPI PIN with anyone who “calls to help.”

Day 1–3 — Official email + wait the rail’s TAT

• Send the same complaint to [email protected], referencing the in-app ticket ID. Email creates a paper trail an in-app chat can’t.
• If this is a failed/debited UPI case, this is the T+1 window — let the auto-reversal run before you dispute the rail.
• If you’re still inside the operator’s stated payout window, be firm but patient.

Day 4–7 — Open the payment-side dispute (UTR + NPCI)

If the money is genuinely gone on the rail and hasn’t come back:

• Open your UPI app’s “raise complaint / dispute” on that transaction. This feeds NPCI UDIR, which can auto-convert to a chargeback after the TAT.
• Or call your bank and lodge a failed-transaction complaint with the UTR; explicitly ask for the ₹100/day compensation if you’re past T+1 (the RBI TAT circular entitles you to it on system failures).
• You can also use the NPCI UPI Help portal or the line 1800-120-1740; NPCI’s stated UDIR window is 3–5 working days.

Day 8–15 — Priority Connect grievance + formal bank complaint

• Escalate the operator side to Adda52’s grievance route — [email protected] (grievance redressal) — restating the facts, ticket ID, amount and days elapsed, and stating you’ll escalate to OGAI and the consumer forum if unresolved.
• If the helpline did nothing, escalate the bank complaint to a written formal complaint and get a complaint reference number.

Day 16–30 — OGAI, RBI Ombudsman and consumer forum

• For an operator that won’t release a clearly-owed balance, after exhausting Adda52’s grievance process, take it to OGAI within 30 days of the grievance outcome, with appeal to the Secretary, MeitY (2026 Rules).
• For a payment-rail failure unresolved after 30 days by a regulated entity (your bank / PSP), file with the RBI Integrated Ombudsman Scheme 2021 (RB-IOS) at cms.rbi.org.in — redress is free.
• For the consumer-service angle, the National Consumer Helpline 1915 and the consumer-forum route apply in parallel.
• If you suspect fraud — a fake “Adda52 care number,” a phishing call, a clone app — report immediately to the cybercrime helpline 1930 and cybercrime.gov.in, and flag suspect payment entities on RBI’s Sachet portal.

Honest limit of this ladder: the RBI Ombudsman and bank disputes are powerful against the payment rail, because banks and PSPs are RBI-regulated. The OGAI route is your lever against the operator. Against a legitimate, acquired operator like Adda52/HDW, both have real teeth — which is exactly why a wind-down recovery here is far more winnable than chasing a vanished offshore clone.

Copy-paste complaint templates

Fill in the bracketed parts. Keep every message factual, dated and ID-stamped — emotion doesn’t move a payout, a UTR does. Five templates, one per rung.

Template A — In-app support ticket (Day 0)

Subject: Withdrawal not received — Ticket request

My Adda52 withdrawal of Rs [AMOUNT] requested on [DATE, TIME] is showing
"[STATUS shown in cashier]" and has not reached my account.
Registered mobile: [NUMBER]
UPI ID / bank used: [HANDLE / A/C]
UTR / reference (if shown): [UTR]
KYC status: completed (PAN + bank verified, name matches)
Please confirm the payout status and the UTR, and resolve within your
stated payout window. Please share a complaint/ticket ID for this request.

Template B — Official email escalation, [email protected] (Day 1–3)

Subject: [Ticket ID] Adda52 withdrawal of Rs [AMOUNT] not credited — escalation

To: [email protected]

I raised in-app ticket [TICKET ID] on [DATE] for a withdrawal of
Rs [AMOUNT] that has not been credited to [UPI/bank]. It has now been
[N] days, past your stated payout window of [X working days].

Transaction details:
- Amount: Rs [AMOUNT]
- Requested: [DATE, TIME]
- Status in cashier: [STATUS]
- UTR / reference: [UTR]
- Registered number: [NUMBER]
- KYC: completed (PAN matches bank account name)

Per Adda52's own notice urging users to withdraw their winnings, please
credit the payout or provide the UTR and a written reason within 48 hours.
If unresolved, I will escalate via Priority Connect grievance, my bank's
UPI dispute process, NPCI UDIR, OGAI, the RBI Ombudsman (RB-IOS 2021),
and the National Consumer Helpline (1915).

Template C — Bank / UPI failed-transaction dispute (Day 4–7)

Subject: Failed UPI credit — UTR [UTR] — request refund + TAT compensation

A UPI transaction was debited but not credited to my account.
- UTR / reference (RRN): [UTR]
- Amount: Rs [AMOUNT]
- Date/time: [DATE, TIME]
- My account / UPI ID: [A/C or HANDLE]

Per RBI circular DPSS.CO.PD No.629/02.01.014/2019-20 (20 Sep 2019),
a debited-but-not-credited transaction must be auto-reversed by T+1,
with Rs 100/day compensation for delay beyond T+1. It has now been
[N] days. Please reverse the amount and credit the applicable
compensation, and share the complaint reference number.

Template D — Priority Connect grievance / OGAI escalation (Day 8+)

Subject: Grievance — unresolved Adda52 withdrawal of Rs [AMOUNT]

To: [email protected] (Adda52 grievance redressal)

I am escalating a withdrawal that Adda52 has not paid despite the
operator's public notice urging users to withdraw their winnings.

- Registered mobile: [NUMBER]
- Amount owed: Rs [AMOUNT]
- Withdrawal requested: [DATE]; in-app ticket [TICKET ID] raised [DATE]
- Email to [email protected]: [DATE], no/insufficient response
- KYC: completed, PAN matches bank account name
- UTR / reference (if issued): [UTR]

Relief sought: release of Rs [AMOUNT] to my registered account and a
written reason for the delay. If this grievance is not resolved, I will
approach the Online Gaming Authority of India (OGAI) within 30 days of
your outcome, and the National Consumer Helpline (1915), as permitted
under the 2026 Online Gaming Rules.

Template E — RBI Ombudsman (RB-IOS) grievance (rail failure, Day 30+)

Nature of complaint: Deficiency in service — failed/unresolved digital
payment (UPI withdrawal not credited).

Regulated entity: [YOUR BANK / payment system participant]
Date of original transaction: [DATE]
Amount: Rs [AMOUNT]   UTR: [UTR]
Complaint first raised with the entity on: [DATE], reference [REF]
Entity's response: [none / unresolved] after 30 days.
Relief sought: credit of Rs [AMOUNT] + Rs 100/day compensation per
RBI TAT circular DPSS.CO.PD No.629/02.01.014/2019-20.

File Template E at cms.rbi.org.in only after 30 days without resolution from the entity, since that 30-day rule is the eligibility gate for the RB-IOS 2021. Use Template D (Priority Connect → OGAI) in parallel when the failure is on Adda52’s side, and Template C/E when it’s on the rail.

Grievance contact reference block

Keep this handy; it’s the whole escalation map in one place. Use the door that matches your problem type.

Order of doors, in one line: Adda52 in-app → [email protected] → Priority Connect → OGAI for the operator side, and bank → NPCI → RBI Ombudsman for the rail side, with consumer helpline 1915 in parallel and cybercrime 1930 the instant fraud is involved.

The failure-mode taxonomy: which kind of “stuck” do you have?

Diagnosing the type is most of the fix, because each type escalates differently. Match your symptom, then jump to the matching rung.

Type 1 — Pending / processing (sitting in Adda52’s queue)

Symptom: the cashier shows “processing,” “pending,” or “under review.” No UTR yet. Money left your withdrawable balance but hasn’t hit the rail. What’s really happening: Gate 3 — auto-approval didn’t fire; manual review or a batch delay. Fix: Wait the stated window (give a first/post-dormancy withdrawal up to 24 hours). Past the window, raise an in-app ticket (Day 0 rung). Lever is Adda52 support first, payment dispute later.

Type 2 — “Paid / success” in the cashier, but nothing in your bank

Symptom: the cashier marks the withdrawal “completed/success” and may show a UTR, but your bank never received it. What’s really happening: a genuine rail failure not yet reflected, a payout to a stale/wrong handle, or the status running ahead of reality. Fix: Get the UTR, then ask your bank to trace it. If the bank has no record of a credit against it, you have proof the money didn’t arrive — that’s your dispute. The UTR is everything here.

Type 3 — Failed, but money debited (UPI debited-but-not-credited)

Symptom: the screen says “failed,” yet the amount left somewhere. What’s really happening: Gate 4 rail failure — the most consumer-protected state. Fix: This is the T+1 auto-reversal case under the RBI circular. Note the UTR, wait through T+1, then raise a UPI dispute (it feeds NPCI UDIR) and claim ₹100/day if past T+1.

Type 4 — Amount received is less than you withdrew

Symptom: money arrived, but smaller than your withdrawal. What’s really happening: almost always TDS — 30% on net winnings under Section 194BA, not theft and not a fee dispute. Fix: No dispute needed. Check the operator’s TDS statement; the deducted amount appears against your PAN in Form 26AS / AIS and is creditable at filing.

Type 5 — KYC rejected / account blocked or restricted

Symptom: withdrawal blocked with a KYC-failed, verification-pending, or account-restricted message. What’s really happening: Gate 1 — name mismatch, blurry document, a flagged or dormant account. Fix: A verification problem, not a payment one. Resubmit clean KYC matching your bank name exactly; if the account is frozen “for investigation,” demand a written reason and timeline.

Type 6 — Limit hit / minimum not met

Symptom: withdrawal won’t submit, or silently fails, around a round number or right after a previous payout. What’s really happening: Gate 2 — under the minimum, over a cap, or reading the wrong balance pot. Fix: Check the stated minimum and the withdrawable figure, split under any cap, or wait for the window to reset.

The taxonomy in one line: Types 1, 5, 6 are gaming-app problems (Adda52 → Priority Connect → OGAI). Types 2, 3 are payment-rail problems (bank → NPCI → RBI). Type 4 is not a problem at all — it’s tax. Sorting your case into the right column is the difference between a fix in 3 days and a month of shouting at the wrong door.

The ten concrete reasons an Adda52 payout actually stalls — with the fix for each

1. KYC name mismatch (bank/UPI vs PAN). Your handle reads “RAHUL K,” your PAN reads “Rahul Kumar.” Fix: make the withdrawal account name match your PAN exactly, re-submit KYC, use the same account throughout. This is the single most common silent stall.
2. Beneficiary-name mismatch at the bank’s end. Even after KYC passes, a credit can fail if the bank’s account-holder name doesn’t reconcile. Fix: correct it with the bank, not Adda52.
3. First / post-dormancy withdrawal manual review. A dormant account reactivating to cash out a wind-down balance triggers a full re-check. Fix: wait the window, then ask support in writing to confirm a routine review and give a timeline; keep the ticket ID.
4. Risk-review hold on a win spike or large amount. A big poker win or a large round-number withdrawal routes to manual review. Fix: be patient through the window, then escalate in writing.
5. TDS confusion. The payout arrived 30% lighter and you think you were robbed. Fix: none needed — that’s Section 194BA TDS; confirm against the TDS statement and your AIS.
6. Reading the wrong balance pot. Your headline wallet figure isn’t all withdrawable. Fix: read the withdrawable figure on the cashier, not the top-line number.
7. NPCI / bank downtime. The beneficiary bank or the rail is briefly down; the credit can’t confirm. Fix: this resolves on the rail’s reconciliation — wait through T+1; if still missing, it’s the debited-but-not-credited case with ₹100/day protection.
8. Bank batch window (IMPS/NEFT fallbacks for larger amounts). A bank-transfer payout missed a batch. Fix: allow up to a couple of hours; escalate only past 24 hours.
9. Stale withdrawal method. You changed banks or closed the linked account, so the rail tried to credit a dead address. Fix: update to a live account and ask support to re-issue, with the original UTR as evidence the first attempt failed.
10. Chasing a fake “care number” instead of the real channel. You called a Google-listed number and a “agent” is now stalling you (or phishing you). Fix: stop, use in-app support / [email protected] only, and report the fake number to 1930.

For the cross-operator version of the rail-side reasons (7, 8) and the dispute screens, the refund and dispute recovery hub goes deeper; for the contact-channel reasons (3, 10), see customer care escalation.

Find your UTR and raise a UDIR complaint — exact menu path per UPI app

You cannot trace or dispute a “paid but not received” Adda52 payout without the UTR (a 12-digit reference / RRN). Every UPI app labels and buries it differently. Here’s exactly where to look, and how to raise the in-app complaint that feeds NPCI’s UDIR, for the four apps most Indians use (app-by-app labels confirmed here).

PhonePe

• Find the UTR: open History → tap the transaction → it’s shown as “UPI Reference No.” (12 digits). Also in the bank SMS and your statement.
• Raise the complaint: on that transaction, tap Help / Contact Support → choose “money debited but not received” / “payment failed” → submit. PhonePe routes it to your bank and into the NPCI dispute flow (PhonePe failed-transaction guide).

Google Pay

• Find the UTR: tap the transaction in your activity list → scroll to details → it appears as “Bank Reference ID” / “UPI transaction ID” (12 digits).
• Raise the complaint: on the transaction screen, tap the support option → select the failed/not-received issue → raise dispute. It’s forwarded to your bank through the same UDIR mechanism.

Paytm

• Find the UTR: open Balance & History / Passbook → tap UPI & Bank Transfer → open the transaction → the reference shows as “UPI Ref No.”
• Raise the complaint: on that transaction, tap Help & Support at the bottom → pick the dispute reason → submit. Use the per-transaction help path, not the generic app menu.

BHIM

• Find the UTR: open Transaction History → tap the transaction → it’s labelled “Transaction ID.”
• Raise the complaint: in Transaction History, open the problem transaction → tap “Raise Concern” → file. BHIM sends it to your bank.

If the in-app route stalls, go straight to the NPCI UPI Help portal “Dispute Redressal” page and file with the transaction ID, bank, amount, date and email — or call 1800-120-1740. NPCI’s stated UDIR window is 3–5 working days. The UTR is the same number whether it’s called UPI Reference No., Bank Reference ID, UPI Ref No. or Transaction ID — capture it on Day 0, because once a “failed” transaction ages out of quick view, your bank can’t trace a credit you can’t name.

Is it a delay or a scam? Red flags that change your strategy

Most stuck Adda52 payouts are delays on a legitimate, acquired operator — which is the most recoverable situation in the category. But the noise around a wind-down is where scams cluster, so use these red flags to decide how hard to fight versus how fast to cut a fraud loss:

• A “customer care number” found on a random website, ad, or comment. Adda52 routes support in-app and via [email protected]; the toll-free numbers floating around Google conflict across sources. Never call back a number you didn’t read on the logged-in official site. Report fakes to 1930 / cybercrime.gov.in.
• Anyone asking for your OTP, UPI PIN, password, or a screen-share. Real support never needs these. The request itself is the proof of a scam.
• “Deposit ₹X to release your withdrawal.” No legal app needs a deposit to pay out, and post-PROGA a new money-game deposit is illegal. The single clearest theft pattern.
• A paid “refund agent” or “recovery service.” Withdrawals run through the official cashier; disputes run through free government channels. Anyone charging to “unlock” your money is a second scam.
• A clone/“mod” Adda52 app or a look-alike domain. Only use the app from its official source and the site at adda52.com typed by hand. A clone harvests your login and balance with no recourse.

If two or more are true, treat it as fraud: pursue the bank/UPI dispute and a cybercrime report for any rail loss, and don’t feed the situation another rupee. But note the key asymmetry in your favour: Adda52 is a legitimate, acquired operator urging withdrawals, not a vanished offshore clone — so the operator-side grievance route (Priority Connect → OGAI) genuinely has teeth here. The broader red-flag playbook lives at refund and dispute recovery.

Where to get real, official help

There is no “faster app” that fixes a stuck payout, and after PROGA (in force 1 May 2026) moving to another online money-gaming service is not a legal option in India. What actually recovers money is the official chain, used in order, with your paper trail intact:

• Adda52 first. Use in-app support and [email protected] for the withdrawal itself, then [email protected] to lodge a formal grievance. The operator publicly urged users to withdraw — hold it to that.
• Your bank, for any rail failure. A UPI/IMPS debit that wasn’t credited gets a transaction dispute; under RBI’s failed-transaction circular the auto-reversal is T+1 and compensation ₹100/day after.
• NPCI UPI grievance / UDIR. Raise a dispute for the specific UTR through your UPI app or NPCI UPI Help.
• OGAI, for an operator that won’t release an owed balance after its grievance outcome — within 30 days, with appeal to the Secretary, MeitY.
• RBI Ombudsman (RB-IOS) if a regulated entity doesn’t resolve a rail failure within 30 days — free, at cms.rbi.org.in.
• National Consumer Helpline 1915, and for fraud, cybercrime 1930 / cybercrime.gov.in plus the RBI Sachet portal.

Editor’s verdict. A rail failure — money left your bank but never reached you — is the recoverable kind; the RBI rules force a refund. A balance held inside Adda52 is recoverable too, because the operator is legitimate, was acquired for hundreds of crores, has a public grievance process, and publicly urged withdrawals — so run its cashier and, if needed, its grievance ladder to OGAI. The one thing that helps nobody is depositing again to “unlock” a payout: post-PROGA that’s both throwing good money after bad and illegal. For the broader closed-operator playbook, see recover a balance from a shut-down app.

Related fixes (go deeper on your exact case)

This is the Adda52 per-app page. For the case that matches your symptom, these go step-by-step:

• Any operator refund / cross-operator dispute spine → refund and dispute recovery — the up-link hub for getting money back from any RMG operator.
• Can’t reach support / fake care numbers → customer care escalation — how to find a real grievance officer and dodge phishing numbers.
• Recovering a balance from a closed app → recover a balance from a shut-down app — the general wind-down recovery playbook.
• Card-game withdrawal mechanics → 3 Patti withdrawal — the withdrawal hub with the full payout-rail and tax detail.

FAQ

1. Can I still withdraw my money from Adda52 after the cash-game shutdown? Yes. Adda52 posted that “cash games are no longer available” and explicitly urges users to withdraw their winnings (Adda52 FAQ). The withdrawal cashier stays open by the operator’s choice; complete PAN KYC, request the payout from your withdrawable balance, and expect 30% TDS on net winnings. There’s no statutory deadline, so withdraw now rather than waiting.

2. Who actually owns Adda52, and does that affect my refund? Adda52 is operated by Deltatech Gaming Limited (formerly Gaussian Networks), historically a Delta Corp subsidiary, and acquired by Head Digital Works (A23) for ~₹491 crore in 2025 (Inc42). It is not a Play Games24x7 product. The owner matters because your withdrawal and grievance run against a solvent, acquired entity — which makes a wind-down recovery genuinely winnable.

3. Is there a 180-day legal deadline to get my Adda52 balance out? No. A draft rule floated a 180-day window in October 2025, but it was dropped from the final Rules that took effect 1 May 2026 (Mondaq). There is no statutory 180-day refund right. Your recovery rests on the operator’s open cashier, RBI/NPCI rail rules, and the OGAI grievance ladder — so don’t rely on a deadline that doesn’t exist.

4. How long does an Adda52 withdrawal take? A clean repeat UPI payout can clear in minutes to a few hours; a first or post-dormancy withdrawal can sit in manual review up to 24–48 hours. If a UPI payout is debited but not credited, RBI’s TAT circular forces auto-reversal by T+1, after which you’re owed ₹100/day.

5. Why did I receive less money than I withdrew from Adda52? Almost always TDS: 30% on net winnings under Section 194BA, with no threshold. On a ₹50,000 withdrawal where net winnings were ₹30,000, that’s a ₹9,000 cut, so you’d receive ₹41,000. The deducted amount sits against your PAN in Form 26AS / AIS and is creditable at filing — it’s not lost.

6. Do I need KYC and PAN to withdraw from Adda52? Yes. Every legal Indian RMG operator requires PAN + bank/ID KYC before any cash withdrawal, because it must report 30% TDS against your PAN. A name mismatch between your withdrawal account and your PAN is the single most common silent cause of a stuck poker payout — fix the name to match exactly.

7. What is the official Adda52 customer care contact? Use in-app support / live chat (start here) and the official email [email protected], with [email protected] for formal grievances. This page publishes no phone number because the “toll-free” numbers listed by third-party sites conflict — verify any number on the logged-in official site before dialing.

8. Are the “Adda52 customer care numbers” on Google safe to call? Frequently not. Different aggregators list different Adda52 numbers, and scammers seed fake “care numbers” to phish your OTP and UPI PIN. Reach support in-app or by [email protected] instead, never share an OTP/PIN, and report fake numbers to 1930 and cybercrime.gov.in.

9. My Adda52 withdrawal was debited but not credited — what happens? Under RBI Circular DPSS.CO.PD No.629 (20 Sep 2019), such a transaction must be auto-reversed by T+1. If it isn’t, your bank owes ₹100 per day, credited automatically. Capture the UTR on Day 0, wait through T+1, then raise a UPI dispute via your app (it feeds NPCI UDIR).

10. The cashier says “paid/success” but nothing reached my bank — how do I prove it? Get the UTR from the cashier and ask your bank to trace it. If the bank has no credit against that UTR, you have proof the money didn’t arrive — open a UPI dispute (NPCI UDIR, 3–5 working days) and escalate. The UTR is the single thread tying your debit to a missing credit.

11. Should I deposit money to “unlock” or “verify” my Adda52 withdrawal? Never. No legal app needs a deposit to process a withdrawal, and post-PROGA a new money-game deposit is illegal. “Deposit ₹X to release your payout” is the clearest scam pattern in the category — stop, screenshot, and report to 1930.

12. Where do I complain if Adda52 won’t pay an owed balance? Climb in order: in-app support → [email protected] → Priority Connect grievance ([email protected]). If that grievance outcome doesn’t resolve it, approach OGAI within 30 days, with appeal to the Secretary, MeitY, and run the National Consumer Helpline 1915 in parallel.

13. My Adda52 payout went to an old bank account I’ve since closed — can I recover it? Yes, usually. The rail tried to credit a dead address, so the credit fails and the amount should reverse on reconciliation (T+1 for UPI). Update your withdrawal method to a live account in the cashier, and ask support to re-issue, quoting the original UTR as evidence the first attempt failed.

14. How much tax comes off Adda52 poker winnings in total? Two separate taxes: 30% TDS on net winnings on withdrawal (Section 194BA, no threshold), and historically 28% GST on deposits since 1 October 2023 (CBIC). Only the 30% reduces a withdrawal; the 28% reduced your old deposits (now moot since cash play is off). Neither is the operator stealing from you.

15. Is Adda52 a scam, or is this a legitimate wind-down? The operator is legitimate: Adda52 is a long-running poker site, recently acquired by Head Digital Works, that publicly urged users to withdraw under PROGA. The scams are the third parties around it — fake care numbers, paid “refund agents,” and “deposit to unlock” cons. Use only official channels, never deposit again, and recovery of a clean, KYC-verified balance is realistic.

Sources & method. Adda52’s status, ownership, channels, taxes, legality and escalation steps on this page are built from primary regulatory sources and Adda52’s own pages — not personal payout tests. Key references: Adda52’s cash-game wind-down notice and contact email on its FAQ and customer-support and grievance-redressal pages; the Head Digital Works acquisition of Deltatech Gaming (Adda52’s parent) per Inc42 and NEXT.io; the Promotion and Regulation of Online Gaming Act, 2025 and the final 2026 Rules analysis (which dropped the draft 180-day window and set the OGAI grievance route); the RBI failed-transaction TAT circular DPSS.CO.PD No.629/02.01.014/2019-20 (20 Sep 2019); the RBI Integrated Ombudsman Scheme 2021 and cms.rbi.org.in; RBI Sachet; NPCI and NPCI UPI Help / UDIR; CBDT Section 194BA, Rule 133 and Circular No. 5/2023 (22 May 2023) at incometaxindia.gov.in; CBIC 28% GST notifications (29 Sep 2023) at cbic-gst.gov.in; cybercrime reporting at cybercrime.gov.in / helpline 1930; National Consumer Helpline 1915. This page is information, not legal or financial advice — verify each step against Adda52’s current Terms and your bank’s UPI dispute policy.