RMG App Shutdown Tracker: Every Indian Game's Post-PROGA Status

The 40-second answer

All 11 major Indian real-money gaming apps — from Dream11 and MPL to WinZO and RummyCulture — suspended cash play from late August 2025 after PROGA. The draft 180-day refund window was dropped from the final Rules 2026, so there’s no statutory deadline. Most kept withdrawals open; recover via the wind-down flow plus RBI/NPCI rules, escalating with refund dispute recovery.

What this page is. This is the maintained tracker — one big reference table of every major Indian RMG app’s post-PROGA status, then a per-app row with the shutdown date, whether that app left withdrawals open, and the exact recovery route. It is the hub for the shutdown-recovery cluster: each app row links out to its own dedicated recovery page. If you came here for one app, jump to its section. If you’re trying to understand the whole reset, read top to bottom. Every status and date below is cited to a named source, and the legal frame is checked against the Mondaq analysis of PROGA and the 2026 Rules.

The one fact that changes everything. You may have read that operators had 180 days to return your balance. That clause existed in the October 2025 draft rules — and it was removed before the final Rules were notified. There is no statutory refund timeline now. Your recovery does not run on a government clock; it runs on each operator’s voluntary wind-down, plus ordinary consumer law, contract terms, the RBI/NPCI payment-rail rules, and the OGAI grievance ladder. That sounds worse than it is: most apps voluntarily kept withdrawals open and paid balances out fast. But it means you cannot point an operator at a “180-day rule” — because there isn’t one. Plan around the operator’s own published wind-down, and use refund dispute recovery when it stalls.

Why this tracker exists (and why a single source kept failing you)

If you searched “which gaming apps closed after PROGA” or “rmg apps shut down india,” you probably hit a wall of half-right listicles. One says Dream11 “refunded everyone by 29 August.” Another says you have “180 days.” A third says your money is “frozen by the ED.” Each is partly true for one app and wrong for the others — and the legal ground moved twice between August 2025 and May 2026, so anything written in the first week is now stale.

So here is the discipline this page holds to:

• One row per app, with the shutdown date, the withdrawal-open status, and the recovery route — separated, because conflating them is exactly what the listicles do.
• A clear split between what is a statutory rule (almost nothing, post-180-day-removal), what is an operator promise (the wind-down notices), and what is your fallback right (RBI/NPCI rail rules, consumer law).
• A cited source on every status line, framed third-person — no invented “I withdrew from app X” claims.
• An outbound link from each app to its dedicated recovery page, because the deep, screen-by-screen fix lives there, not here.

This is a reference hub, not a fix page. Its job is to route you to the right app page and give you the legal context that page assumes you already know.

The master status table — every major RMG app after PROGA

Read this table first. Each row answers four questions: what kind of shutdown the app did, when it happened, whether withdrawals stayed open so you could pull money out, and where the deep recovery guide lives. “Cash discontinued” means the paid format stopped but the company and app survive (often pivoting to free games or esports). “Wound down” means the real-money product line is being closed as a business. “ED-frozen” means a payment/recovery complication from an Enforcement Directorate action under the money-laundering law. Dates are the app’s own shutdown notices unless noted.

How to read the table. The status column is the single most useful field. “Cash discontinued” is the good case — the company is solvent, the app still opens, and a withdrawal is a routine wind-down payout. “Wound down” (RummyCulture) is similar for your money but the product is being closed for good, so don’t wait. “ED-frozen” (WinZO affiliate, many clones) is the hard case — money may sit behind a court-ordered freeze, and your route shifts from “app support” to “consumer/legal escalation.” Match your app’s status word to the right strategy below.

The publisher map: who actually holds your money

A point that trips up players: the app you played on is not always the company that holds your balance, and several apps share one parent. Knowing the parent matters because the back-end withdrawal system, KYC rules, and support team are shared — so two apps under one roof behave identically, and a fix that works on one usually works on the sibling. Here is the consolidation, because “11 apps” is really 8 publishers.

The practical use of this map: if your app is RummyCircle, the My11Circle recovery page describes the same mechanics because both are Games24x7. If it’s Adda52, the A23 recovery page shares Head Digital Works’ policy. When your app doesn’t have a dedicated page in this cluster, find its sibling under the same publisher and follow that one — the back-end is shared.

Why parent-company solvency is your real risk gauge. Your balance’s safety tracks the publisher’s financial health, not the app’s branding. A well-funded parent (Dream Sports) returns money on a schedule; a parent under investor stress (Moonshine) or one closing the product entirely (Gameskraft) is more likely to leave a lingering balance stuck in a thinning support queue. So the first question for any app on this list is “who owns it, and are they solvent” — then match the strategy. The publisher map above answers the first half; the per-app rows answer the second.

The legal frame you must understand before chasing any balance

Three legal facts shape every recovery on this page. Get them right and you’ll escalate to the correct door; get them wrong and you’ll waste weeks quoting a rule that doesn’t exist.

Fact 1 — PROGA banned the cash product, not your right to your money

PROGA received Presidential assent on 22 August 2025 and prohibits all online money games — skill or chance — where a player stakes money expecting a return. The operating Rules came into force on 1 May 2026, with the Online Gaming Authority of India (OGAI) established the same day as a 6-member body under MeitY (source). What the ban stops is new deposits and new cash play. It does not extinguish an existing balance you already hold — that remains your money, and banks and payment intermediaries continued processing withdrawals so users could recover it, per the Mondaq analysis. So the live task in mid-2026 is not “is my app legal” — it’s “can I get my stranded balance out,” and for most named operators the answer is yes.

Fact 2 — There is NO statutory 180-day refund window (the draft clause was dropped)

This is the fact the listicles get wrong most often. The October 2025 draft rules contained a clause giving operators, banks and financial institutions a 180-day window from the law’s enforcement to return user balances, with those remittances explicitly not treated as facilitating prohibited gaming (source). That clause was removed before the final Rules 2026 were notified. The result, in lawyers’ words, is a “material dilution of consumer safeguards around stranded user funds” — no statutory timeline, which raises the risk of delay and dispute. Practically:

• You cannot tell an operator “the law gives me my money in 180 days.” There is no such law now.
• Your leverage is the operator’s own published wind-down promise (a contractual commitment), plus consumer-protection law, plus the RBI/NPCI rail rules once the money is actually in transit.
• The absence of a deadline cuts both ways: there’s no statutory clock forcing the operator, but also none forcing you — so a balance you forgot about isn’t auto-forfeited on day 181 either.

Fact 3 — Your three real fallback routes

With no statutory window, recovery rests on three existing pillars, in escalation order:

1. The operator’s voluntary wind-down. Every named operator published a withdrawal/refund process. This is your first and best route — it’s the operator honouring its own promise, and for most apps it works in days. The per-app sections below give each operator’s stated process.
2. The RBI/NPCI payment-rail rules. Once a payout is on the rail, the RBI failed-transaction TAT circular forces a T+1 auto-reversal on a debited-but-not-credited UPI payout, with ₹100/day compensation after. This protects the transfer, not the operator’s decision to pay — but it’s a hard, enforceable right once money moves.
3. The OGAI grievance ladder + consumer law. The Rules 2026 set a two-tier grievance system: complain to the platform first (30 days), appeal to OGAI (30 days), then a final appeal to the Secretary, MeitY (30 days) (source). In parallel, the National Consumer Helpline (1915) reaches the operator’s service obligation, and the RBI Ombudsman reaches the bank/PSP side.

The frame in one line: no government deadline, but three live levers — the operator’s promise first, the payment rail second, the grievance/consumer route third. Sort your case by the table’s status word, then pull the matching lever.

The post-PROGA timeline (so you know which rule applied when)

Recovery advice that ignores when you’re acting is useless, because the ground moved through three phases. Here is the dated spine.

• 20 August 2025 — Lok Sabha passes the Online Gaming Bill; 21 August 2025 — Rajya Sabha clears it. Operators begin pulling the plug the same week (source).
• 22 August 2025 — Presidential assent; PROGA becomes law. This is the date most operators cite for suspending cash play and opening withdrawals.
• Late August 2025 — The big wind-down: Dream11, MPL, RummyCircle, My11Circle, Junglee Rummy, PokerBaazi, Adda52, A23, Zupee, WinZO and RummyCulture all suspend cash formats within days of assent.
• October 2025 (draft rules) — The draft includes the 180-day refund window (Rule 24 in the draft). This is the window that never made it into the final Rules.
• 22 April 2026 — MeitY issues Gazette notifications operationalising PROGA and the Promotion and Regulation of Online Gaming Rules, 2026 (source). The 180-day clause is gone from the notified version.
• 1 May 2026 — The Rules and OGAI come into force.
• Early 2026 onward — Enforcement intensifies: the government blocks a further 242 illegal betting sites (total over 7,800), and the ED freezes accounts tied to some operators (source).

The takeaway: if your memory of “180 days” comes from an October 2025 article, it’s describing a draft that was later cut. Anything you act on now runs under the final Rules, where the operator’s voluntary process is the real mechanism.

How to use the per-app rows below

Each app gets a short row with the same five fields so you can compare like-for-like: what happened, shutdown date, withdrawals-open status, the recovery route in one line, and where the deep guide lives. The deep guide is a separate dedicated page — this hub deliberately keeps each row tight and routes you out to it. Where an app shares its recovery mechanics with another (e.g. RummyCircle and My11Circle both sit under Games24x7), the row says so.

A blunt caveat that applies to every row: a new deposit into any of these is now illegal, so never add money “to unlock” a withdrawal. If an app or a “customer care” caller asks you to deposit to release a payout, that’s a scam — see is it a scam: red flags for the pattern. And the 30% TDS on net winnings under Section 194BA still applies to a recovery payout, so a balance that arrives ~30% lighter than expected is usually tax, not theft.

Dream11 — fantasy sports, cash discontinued, fastest refund

What happened. Dream Sports’ flagship Dream11 suspended all paid contests immediately after PROGA, telling users their account balance is safe and available to withdraw from the app. Among the major operators, Dream11 published the most concrete refund timeline.

Shutdown date. Cash contests stopped at assent, 22 August 2025.

Withdrawals kept open? Yes. Dream11 pledged that the deposit balance of all users would be refunded to bank accounts by 29 August 2025, while bonus cash and discount points were cancelled by 23 August 2025 (source). Winnings remained transferable directly to bank accounts.

Recovery route in one line. Open the app, confirm KYC, withdraw the deposit + winnings balance to your registered bank — bonus/discount credits are not refundable, so don’t fight for those.

Why Dream11 is the clean case. A solvent, well-capitalised operator that announced its own deadline is the easiest recovery on this page. If your Dream11 balance is still stuck well past August 2025, it’s almost always a KYC/name-mismatch stall or a dead UPI handle, not the company withholding money. The screen-by-screen fix — including what to do if the auto-refund never landed — is on the Dream11 withdrawal recovery page.

MPL — multi-game RMG, deposit-minus-GST withdrawable from day one

What happened. Mobile Premier League disabled all money contests and stopped taking deposits the same week the Bill passed. MPL’s in-app notice was unusually specific about the amount it would return.

Shutdown date. 21–22 August 2025.

Withdrawals kept open? Yes. MPL’s app notification read that “deposit cash (minus GST) will be available for withdrawal from 22 Aug 2025,” and that users could withdraw wallet balances without restriction (source).

Recovery route in one line. Withdraw your deposit (less the 28% GST already charged at deposit time) plus winnings to your bank; the GST portion is not refundable because it was a tax paid to the government, not a fee MPL kept.

The GST nuance that triggers complaints. MPL spelling out “minus GST” causes confusion: a player who deposited ₹100 sees less than ₹100 come back and assumes MPL skimmed it. It didn’t — 28% GST on the deposit went to the government on the way in, since 1 October 2023, so it was never in MPL’s wallet to return. That’s a tax, not a withholding. The MPL withdrawal recovery page breaks the deposit-vs-GST-vs-winnings math down line by line.

RummyCircle — Games24x7’s rummy, cash halted immediately

What happened. Games24x7 discontinued RummyCircle’s cash games with immediate effect and enabled wallet withdrawals. The parent later announced a workforce cut of around 70%, signalling this is a genuine wind-down of the cash product, not a pause.

Shutdown date. 21 August 2025, immediate.

Withdrawals kept open? Yes. Withdrawals were enabled on both RummyCircle and its sibling My11Circle so users could recover balances (source).

Recovery route in one line. Complete KYC so PAN matches your bank name exactly (RummyCircle historically parked payouts on any mismatch), then withdraw your winnings/deposit balance through the remaining in-app flow.

Why the KYC match matters more here. RummyCircle’s pre-ban rule required your PAN verified and matching your KYC documents to withdraw — one transposed letter was enough to stall a payout. That same check governs your recovery now, so fix the name match before you raise a ticket. RummyCircle doesn’t have its own dedicated recovery page in this cluster; the general refund dispute recovery page covers its exact escalation path, and the Games24x7 sibling My11Circle page shares the same back-end mechanics.

Junglee Rummy — Flutter-owned, deposits paused 22 August, withdrawals allowed

What happened. Junglee Games — bought by Flutter for around $200M just before the ban — showed players an in-app notice that from 22 August, deposits and cash games would be paused while withdrawals stayed allowed. Flutter was, in the reporting’s framing, “forced to hit pause” on the asset it had just acquired.

Shutdown date. 22 August 2025.

Withdrawals kept open? Yes — the notice explicitly kept withdrawals on while pausing deposits and play (source).

Recovery route in one line. Make sure KYC is complete (Junglee historically forced KYC at the first withdrawal or once cumulative deposits crossed ₹50,000), then withdraw your balance; expect 30% TDS on net winnings.

The KYC trigger to watch. Because Junglee enforced KYC at first withdrawal or the ₹50,000 deposit threshold, some players who deposited small amounts never completed full KYC — and now hit that wall when trying to recover a balance. If your Junglee withdrawal is blocked on verification, that’s the cause, and the fix is document-level. The full walkthrough, including the wind-down recovery flow, is on the Junglee Rummy withdrawal page.

My11Circle — Games24x7’s fantasy app, balances “secure, withdraw anytime”

What happened. My11Circle, the fantasy-sports sibling of RummyCircle under Games24x7, shut real-money contests and let users play only free games, confirming all user balances are secure and can be withdrawn at any time.

Shutdown date. 21 August 2025.

Withdrawals kept open? Yes — “secure, withdraw anytime,” the most open-ended of the major pledges (source).

Recovery route in one line. Withdraw your winnings/deposit balance through the app; because it shares Games24x7’s back end with RummyCircle, the PAN-matches-bank-name rule applies identically.

Why “withdraw anytime” still has limits. “Anytime” is the operator’s intent, not an infinite guarantee — a 70% workforce cut means support is thinner, and there’s no statutory deadline forcing the company to keep the door open forever. So treat “anytime” as “soon, while the wind-down is live,” not “whenever I get around to it.” The dedicated My11Circle recovery page covers the exact withdrawal flow and what to do if a balance lingers.

PokerBaazi — Nazara-backed poker, suspended at assent

What happened. Moonshine Technologies, which operates PokerBaazi and is ~46% owned by Nazara, suspended all real-money operations when the law took effect. The fallout was severe enough that Nazara terminated a planned ₹15.9 crore stake top-up and warned it might write off its ~₹805 crore investment, and PokerBaazi cut about 50% of its workforce.

Shutdown date. 22 August 2025.

Withdrawals kept open? Yes, per company policy — PokerBaazi paused real-money play but stated users could withdraw balances (source).

Recovery route in one line. Complete poker-account KYC, withdraw your cash + winnings wallet to your bank, and note that PokerBaazi’s deep ownership turmoil makes prompt action wise.

The investor-turmoil signal. When a backer scraps an acquisition and flags a potential write-off, the operating entity is under financial stress — which doesn’t mean your balance is unsafe, but does mean a slow, thin wind-down where lingering balances are more likely to get stuck. Recover early. The screen-by-screen route and escalation path sit on the PokerBaazi recovery page.

Adda52 — Head Digital Works’ poker brand, shut with the A23 family

What happened. Head Digital Works confirmed that its games — A23 Rummy, A23 Poker and Adda52 Poker — were shut down, with player deposits withdrawable per company policy. Head Digital Works also became the first operator to sue the government, challenging the Act in the Karnataka High Court.

Shutdown date. 21–22 August 2025.

Withdrawals kept open? Yes — deposits withdrawable per policy (source).

Recovery route in one line. Withdraw your Adda52 poker wallet through the app’s wind-down flow; the legal challenge does not freeze your balance, so don’t wait on the court case.

Why the lawsuit is a red herring for your money. Head Digital Works challenging the ban is about the company’s right to operate, not about your balance — your money isn’t tied up in that litigation, and there’s no court freeze on Adda52 user wallets. The mistake is to “wait and see how the case goes” before withdrawing; the case could run for months while the wind-down support window narrows. Recover now. The Adda52 recovery page has the exact steps.

A23 (Ace2Three) — Head Digital Works’ rummy, shut + the lead litigant

What happened. A23 (Ace2Three), Head Digital Works’ rummy-and-poker flagship, was shut down alongside Adda52, and its maker became the lead industry litigant, moving the Karnataka High Court on the skill-not-gambling argument. The parent later laid off around 500 employees — roughly two-thirds of its staff.

Shutdown date. 21–22 August 2025.

Withdrawals kept open? Yes — player deposits withdrawable per policy, same as the Adda52 line (source).

Recovery route in one line. Complete KYC, withdraw your A23 cash/winnings balance through the app; the Karnataka HC challenge has no bearing on releasing your existing wallet.

The same lawsuit caveat. As with Adda52, the litigation is the company’s fight, not a lock on your funds. A two-thirds workforce cut is the real risk signal — thinner support, longer queues, more chance of a stuck balance if you delay. Treat A23 like a closing-down sale on your own money: pull it while the counter is staffed. The A23 Rummy recovery page walks the withdrawal and escalation.

Zupee — Ludo/board RMG, “withdraw funds anytime”

What happened. Zupee discontinued all paid games but kept its free titles live — Ludo Supreme, Ludo Turbo, Snakes & Ladders, Trump Card Mania — and told users they can withdraw funds anytime without disruption.

Shutdown date. 21–22 August 2025.

Withdrawals kept open? Yes — Zupee was among the clearest, confirming withdrawals remain smooth and uninterrupted (source).

Recovery route in one line. Open Zupee, go to the wallet/withdraw flow, pull your cash balance to your registered bank/UPI — the free games staying live means the app itself isn’t going anywhere.

Why Zupee is lower-risk than the rest. Because Zupee pivoted to free games rather than shutting the app, the platform remains active and maintained — so the withdrawal flow isn’t being dismantled around your balance the way it might be at a pure-RMG operator that’s winding the whole business down. That makes Zupee one of the safer “take your time, but don’t forget” cases. The Zupee recovery page has the wallet-withdrawal steps and the fix if a payout stalls.

WinZO — multi-game RMG with the ED-freeze complication

What happened. WinZO (Tic Tok Skill Games) suspended real-money offerings and said wallet withdrawals would be enabled from 25 August 2025. But WinZO is the hard case on this list: its affiliate’s bank accounts were frozen by the Enforcement Directorate under the money-laundering law (PMLA), and the courts have been fighting over those frozen funds into 2026.

Shutdown date. Cash suspended 22 August 2025; withdrawals pledged from 25 August 2025.

Withdrawals kept open? Partly. WinZO pledged refunds and argued in court it had been trying to comply with refund obligations, but the ED account freeze under PMLA put a real-world block in front of payouts. The Supreme Court even set aside a Karnataka HC order that had let a WinZO affiliate use frozen funds for salaries (source).

Recovery route in one line. Try the in-app withdrawal first; if it’s blocked, your route shifts to documented consumer/grievance escalation because the hold may be a court-ordered freeze, not an app glitch — and you cannot fix a freeze through app support.

Why WinZO needs a different playbook. When money sits behind an ED/PMLA freeze, no amount of pinging app support releases it — the operator itself can’t move those funds without a court’s leave. Your realistic lever is a paper trail: a written withdrawal request, the operator’s own refund pledge as evidence, and escalation through the OGAI grievance ladder and the National Consumer Helpline (1915), while you watch the litigation. Lower your expectation of a fast payout and raise your documentation discipline. The WinZO recovery page covers the frozen-funds scenario specifically.

RummyCulture (Gameskraft) — wound down, will not fight the ban

What happened. Gameskraft stopped all “Gameplay” and “Add Cash” services across its rummy platforms — chiefly RummyCulture — and stated it will not pursue any legal challenge against the ban. Withdrawal services continued in accordance with platform policies, with all account balances safe. Gameskraft later cut 400+ jobs, the biggest single reduction in the sector.

Shutdown date. 21 August 2025.

Withdrawals kept open? Yes — gameplay and add-cash stopped, but withdrawals stayed live and balances were stated safe (source).

Recovery route in one line. Complete KYC, withdraw your RummyCulture cash/winnings balance through the remaining flow — and act promptly, because “wound down” means the product is closing for good, not pausing.

Why “won’t challenge the ban” is the key signal. Gameskraft declining to litigate means it has accepted the wind-down and is closing the cash product cleanly — which is good for a fast, uncomplicated refund (no legal limbo) but bad for waiting (the closing is permanent, support will eventually wind down too). Of the apps that are genuinely closing rather than pivoting to free games, RummyCulture is the clearest “recover now” case. The full flow is on the RummyCulture withdrawal recovery page.

Teen Patti and the clone apps — the messy, high-risk tail

What happened. “Teen Patti” isn’t one operator — it’s a brand stamped on many builds and skins. The legal, KYC-enforcing card apps followed the same path as the big operators: cash discontinued at the ban. But a large informal tail of Teen Patti clones, offshore betting skins, and “unlimited chips” mod APKs is a different animal — many of these have been ED-blocked or simply vanished. The government blocked a further 242 illegal betting sites in early 2026, pushing the total over 7,800 (source).

Shutdown status. Mixed. Legal-skin Teen Patti apps: cash discontinued, withdrawals generally open. Clones/offshore/mods: often ED-blocked, frozen, or disappeared.

Withdrawals kept open? Varies wildly. A legal build behaves like the named operators above. An offshore or clone build may have no working withdrawal at all — and pursuing it has limited teeth because the operator can sit outside Indian regulatory reach.

Recovery route in one line. For a legal Teen Patti build, follow the standard wind-down + RBI/NPCI rail route in 3 Patti withdrawal; for a clone/offshore app, pursue only the payment-rail loss (bank/UPI dispute, cybercrime report) and lower your expectation of recovering balance held inside the app.

The hard truth about the clone tail. Money held inside an unlicensed or offshore Teen Patti clone is the least recoverable category on this entire page, because there’s no solvent, India-regulated operator to make a claim against. If two or more scam red flags are true — no KYC, a “customer care number” from a YouTube comment, a “deposit ₹X to unlock” demand, or a mod/“unlimited chips” APK — treat the in-app balance as high-risk and focus on the rail loss instead. The full clone-vs-legal triage is on the 3 Patti withdrawal hub.

The cross-app recovery method (works for every “cash discontinued” row)

For the solvent, cash-discontinued apps — which is most of this list — the recovery method is the same. Here is the universal version; the per-app pages add the operator-specific menu paths.

Step 1 — Confirm which balance you actually hold

Your wallet has up to three pots, and only some are refundable in a wind-down:

• Deposit balance — your own money in. Refundable in every named operator’s wind-down (Dream11 even set a deadline). MPL returns it minus the GST already paid.
• Winnings balance — money you won. Refundable, but 30% TDS on net winnings comes off under Section 194BA.
• Bonus / promotional credit — welcome bonus, discount points, referral cash. Not refundable — Dream11 explicitly cancelled these by 23 August 2025. Don’t fight for bonus money; it was never withdrawable.

Read the withdrawal screen’s withdrawable figure, not the headline wallet number. A huge share of “they kept my money” complaints are players trying to withdraw a non-refundable bonus.

Step 2 — Fix KYC so PAN matches your bank name exactly

The single most common silent stall — pre-ban and now in recovery — is a name mismatch between your UPI/bank account and your PAN. “RAHUL K” on the handle vs “Rahul Kumar” on the PAN parks the payout for manual review. Make them match before you withdraw, and use the same account for the payout that’s on your KYC. RummyCircle and Junglee both enforced exact PAN matching, and that check still governs recovery.

Step 3 — Use the app’s wind-down withdrawal flow first

The operator’s own process is your first and best route, because it’s the operator honouring a published promise. Open the app, go to the wallet/withdraw section, request the deposit + winnings to your KYC-matched bank/UPI. For most apps this clears in the normal rail time (UPI seconds-to-hours, bank transfer up to a couple of days).

Step 4 — If it stalls, sort the failure by type and escalate the right door

• Stuck in the app’s queue (pending/processing) → app support ticket first; it’s a gaming-app problem until the money hits the rail.
• “Paid” but nothing arrived → get the UTR, ask your bank to trace it; if no credit landed, you have your dispute.
• Debited but not credited (UPI) → the T+1 auto-reversal case under the RBI TAT circular; claim ₹100/day past T+1.
• Less than expected → almost always 30% TDS on net winnings; not a dispute.
• Frozen / ED-blocked (WinZO affiliate, clones) → documented consumer/grievance escalation, not app support, because a court freeze can’t be cleared in-app.

The general escalation spine — app → bank/UPI → NPCI → RBI Ombudsman, with consumer helpline 1915 in parallel — is laid out in full on the recover balance from a shutdown app page and the refund dispute recovery page.

The status-word strategy map (match your app, pick your lever)

The table’s status word tells you which strategy to run. Here is the map.

”Cash discontinued” (Dream11, MPL, RummyCircle, Junglee, My11Circle, PokerBaazi, Adda52, A23, Zupee)

This is 9 of the 11 named operators, and the good case. The company is solvent and the app still opens. Run the cross-app method above: confirm the withdrawable pot, fix KYC, use the in-app wind-down flow, escalate by failure-type if it stalls. Expected outcome: a routine payout in normal rail time. The only real risks are a KYC mismatch, a dead UPI handle, or a thin-support delay at a heavily-downsized operator — none of which is theft.

”Wound down” (RummyCulture)

Mechanically the same as “cash discontinued” for your money, but with urgency: the product is closing permanently, and Gameskraft has accepted the ban without litigating. Recover now, while support is staffed.

”ED-frozen” (WinZO affiliate, many Teen Patti clones)

The hard case. Money may sit behind a court-ordered PMLA freeze the operator itself can’t move. Skip the “ping support repeatedly” instinct — it won’t work. Build a paper trail (written withdrawal request, the operator’s refund pledge, dates), escalate through the OGAI grievance ladder and National Consumer Helpline 1915, pursue any rail loss through the bank/UPI dispute, and watch the litigation. Lower your speed expectations; raise your documentation.

”Clone / offshore / mod” (the Teen Patti tail)

The least recoverable category. There may be no solvent, India-regulated operator to claim against. Pursue only the payment-rail loss (bank/UPI dispute + cybercrime report at 1930 / cybercrime.gov.in) and treat any in-app balance as high-risk. Never deposit “to unlock” — that’s both a scam pattern and, post-PROGA, illegal.

The map in one line: 9 of 11 named apps are the easy “cash discontinued” case (run the standard method); RummyCulture is the same but urgent; WinZO and the clones are the freeze/offshore hard case where documentation and the grievance ladder matter more than app support.

The balance-recovery decision tree

If you want one path through this whole page, walk this tree. Answer each question and it routes you to the right action and the right page — no guessing.

Q1 — Is your app one of the named, solvent operators (the first 10 rows), or a Teen Patti clone / offshore skin?

• Named operator → go to Q2.
• Clone / offshore / mod APK → you’re in the least-recoverable category. Pursue only the payment-rail loss (bank/UPI dispute, cybercrime report at 1930), treat the in-app balance as high-risk, and read 3 Patti withdrawal. Stop here.

Q2 — When you open the app’s withdraw screen, what’s the withdrawable figure?

• ₹0 with a balance showing → your balance is bonus/promotional credit, which is not refundable. Nothing to recover. Stop here.
• A real number (deposit + winnings) → go to Q3.

Q3 — Does your KYC name match your bank/UPI account name exactly?

• No / unsure → fix that first. A name mismatch is the single most common silent stall; correct it before withdrawing. Then go to Q4.
• Yes → go to Q4.

Q4 — Does the in-app withdrawal go through?

• Yes, money arrives → done. If it arrived ~30% lighter than your winnings, that’s 194BA TDS, not theft.
• Stuck in queue / pending → app support ticket first; it’s a gaming-app problem until it hits the rail. See recover balance from a shutdown app.
• “Paid” but nothing arrived → get the UTR, ask your bank to trace it; if no credit landed, dispute it.
• Debited but not credited (UPI) → the T+1 auto-reversal case; claim ₹100/day past T+1.
• Blocked: “frozen / under investigation” → if it’s an ED/PMLA freeze (WinZO affiliate, some clones), app support can’t help — escalate via documentation and the OGAI/consumer ladder, and read refund dispute recovery.

Q5 — The operator simply won’t release a clean, owed balance. Now what?

• Climb the ladder: app grievance flow → OGAI (platform → OGAI → Secretary, MeitY, each 30 days) → National Consumer Helpline 1915 in parallel → for any rail failure, bank/UPI → NPCI → RBI Ombudsman.

That tree covers every case on this page. The rest of the sections are the detail behind each branch.

The Day-0 evidence checklist (do this before you escalate anything)

Recovery is won on documentation, not on how loudly you complain. Before you raise a single ticket, freeze this evidence — it’s the difference between a fix in days and a month of being told to “wait.”

• Screenshot the wallet — the withdrawable figure, the deposit/winnings/bonus split if shown, and the date. This proves what you were owed before any wind-down change.
• Screenshot the operator’s wind-down notice — the in-app banner or email that says cash is discontinued and withdrawals are open. This is the operator’s own promise, and it’s your strongest lever now that there’s no statutory rule.
• Screenshot every withdrawal attempt — the amount, timestamp, and the status it returned (“pending,” “paid,” “failed”).
• Capture the UTR the moment one appears — the 12-digit reference. Without it you can’t trace a “paid” payout that never arrived.
• Save the ticket/complaint ID in writing for every support contact. This timestamps your complaint for the 30-day grievance and Ombudsman clocks.
• Note your KYC status — PAN verified, name matching your bank account. If it isn’t matching, that’s likely your stall, and you fix it before escalating.

Do not, in the same breath: open a second account, deposit “to unlock” the withdrawal (illegal and a scam pattern), or share an OTP/UPI PIN with anyone who “calls to help.” Legitimate support never needs your PIN or OTP, and most of these operators have no public phone helpline at all.

The money math: what actually arrives in your account

Players misread their recovery payout constantly, because three different deductions can apply and only one of them is the operator’s doing. Here is the exact breakdown so you can tell a legitimate deduction from a withholding.

Deduction 1 — 28% GST on deposits (already gone, not refundable)

Since 1 October 2023, 28% GST applies to the full value of your deposits at deposit time. That money went to the government, not the operator’s wallet — so it was never there to refund. MPL spelled this out by promising “deposit cash minus GST.” If you deposited ₹100, roughly ₹28 went to GST on the way in, and a wind-down refund returns the net that actually reached your playable balance. This is a tax, not a withholding.

Deduction 2 — 30% TDS on net winnings (deducted on the way out)

Section 194BA requires 30% TDS on your net winnings, with no minimum threshold, since 1 April 2023. On a recovery payout, the operator deducts this before paying and remits it against your PAN. So a winnings-heavy balance arrives ~30% lighter — that’s tax, reported in your Form 26AS / AIS and creditable when you file. A pure deposit return is your own money and isn’t taxed under 194BA.

Worked example — a recovery payout

Say your RummyCulture wallet shows ₹12,000 when the wind-down hits: ₹8,000 is returned deposit, ₹4,000 is net winnings.

• The ₹8,000 deposit returns in full (the 28% GST on the original deposit is already gone and irrelevant to this refund).
• The ₹4,000 winnings loses 30% TDS = ₹1,200, so ₹2,800 of it pays out.
• Total to your bank: ₹8,000 + ₹2,800 = ₹10,800. The “missing” ₹1,200 is TDS against your PAN, not a withholding.

If what arrives matches this math, stand down — there’s no dispute. If it’s materially less than this math predicts, then you have a case, and you escalate per the decision tree. Knowing the math is what stops you from disputing a legal deduction and wasting the days you’d need for a real problem.

The math in one line: 28% GST was taken on your deposits going in (already gone, not refundable); 30% TDS comes off your net winnings going out (creditable at filing). A recovery payout that matches that math is correct — only a shortfall beyond it is a dispute.

What to ignore (the myths that waste your time)

Four widely-repeated claims will send you down the wrong path. Drop them.

1. “You have 180 days by law.” No. The 180-day window was in the October 2025 draft and was cut from the final Rules 2026. There is no statutory refund deadline. Rely on the operator’s own wind-down promise instead.
2. “All the apps were frozen by the ED.” No. Only specific entities (a WinZO affiliate, many offshore clones) faced ED/PMLA freezes. The big solvent operators — Dream11, MPL, Zupee, RummyCulture and the rest — kept withdrawals open voluntarily.
3. “Wait for the Supreme Court case before withdrawing.” No. The constitutional challenge is about whether the ban stands — it does not lock your existing balance. Waiting only narrows the operator’s support window. Recover now.
4. “Deposit a small amount to unlock your withdrawal.” Never. No legal app requires a deposit to withdraw, this is the clearest theft pattern, and post-PROGA a new deposit into a money game is illegal on top of it.

Scams that spiked during the wind-down (and how to spot them)

A mass shutdown is a gift to fraudsters, because millions of confused players are suddenly searching “how do I get my [app] money back.” Several scam patterns spiked after August 2025, and each targets exactly the panic this transition creates. Recognise them, because falling for one turns a recoverable balance into a real loss.

• The fake “customer care number.” Scammers seed fake helpline numbers on Google, YouTube comments and lookalike sites for every shut-down app. You call, they pose as support, and they phish your OTP and UPI PIN to drain your account. The tell: most of these operators have no public phone helpline and route support in-app only. Never call a number you didn’t get from the official app or site, and never share an OTP/PIN. Report fake numbers to 1930 and cybercrime.gov.in.
• “Pay a fee / deposit to release your refund.” A “refund agent” or a fake app screen says you must deposit ₹X or pay a “processing fee” to unlock your stranded balance. No legal operator does this — a refund never requires a payment from you, and post-PROGA a new deposit into a money game is illegal. This is the clearest theft pattern of the lot.
• The clone “recovery app.” A fresh app or website claims to “recover your blocked RMG balance” for a cut. These harvest your KYC documents and banking details, then vanish. Real recovery happens inside the original app or through the official grievance ladder, never through a third-party “recovery service.”
• The lookalike domain. A site spelled almost like your operator’s (“dream11-refund.co,” “winzo-recovery.in”) collects your login and KYC. Always reach the operator through the app you already have installed or its exact official domain — not a link from a message or search ad.
• The “ED settlement” extortion call. Riding on real ED enforcement headlines, a caller claims your account is “under ED investigation” and you must pay to “settle.” The ED does not call individuals to collect settlement money over UPI. This is extortion; report it.

The common thread: every one of these exploits the urgency and confusion of the shutdown to make you act fast and skip verification. The defence is the opposite — slow down, use only the app you already have and the official grievance ladder, and never let a “fee,” “deposit,” or “OTP” enter the conversation. The full red-flag triage for card apps specifically is on the 3 Patti withdrawal hub.

How an India RMG wind-down differs from a normal app shutdown

If you’ve recovered money from a closing app before — a defunct wallet, a shuttered fintech — you might assume the same playbook applies. It mostly does, but three things make the post-PROGA RMG wind-down distinct, and missing them costs you.

Difference 1 — the product is banned, but the company often isn’t. In a normal shutdown the company is usually failing. Here, most operators are solvent and were forced to stop a legal-until-yesterday product by statute. That’s good for you: a solvent operator winding down a banned product has both the money and the regulatory incentive to return balances cleanly. Dream11 setting a refund deadline is exactly that incentive at work.

Difference 2 — there’s no statutory deadline, so the operator’s promise is the rule. A regulated fintech wind-down often comes with an RBI-mandated timeline. Here, the draft 180-day window was cut, so your enforceable expectation is the operator’s own published wind-down notice plus consumer law — not a government clock. That makes documenting the operator’s promise (Difference 1’s notice) more important than usual.

Difference 3 — the payment rail still protects the transfer, not the decision. Once the operator decides to pay and pushes money to UPI/IMPS, the full RBI/NPCI protection applies to that transfer — T+1 reversal, ₹100/day, the Ombudsman. But none of that forces the operator to decide to pay in the first place; it only protects the money in flight. So your two levers are different in kind: consumer/grievance law pushes the operator’s decision, and RBI/NPCI rules protect the transfer once it starts.

Put together, the RMG wind-down is a better recovery environment than a typical failed-app shutdown for the solvent operators — and a worse one only where an ED freeze or an offshore clone removes the solvent-operator advantage. Sort your app into the right bucket and the difference is obvious.

What changed between the draft and final rules (the detail behind the headline)

The single most consequential change for your money was the dropped 180-day window, but it helps to see it in context, because the draft-to-final edits reveal how the government wants this handled.

• The 180-day refund window was removed. The October 2025 draft gave operators, banks and financial institutions 180 days from enforcement to return user balances, with those remittances explicitly not treated as facilitating prohibited gaming. The final Rules 2026 dropped this. Lawyers called the removal a “material dilution of consumer safeguards around stranded user funds,” per the Mondaq analysis.
• The Grievance Appellate Committee was done away with, replaced by the cleaner two-tier OGAI ladder (platform → OGAI → Secretary, MeitY). For you, this is actually clearer: a defined three-stage escalation with 30-day windows at each step.
• OGAI was stood up on 1 May 2026 as a 6-member government body under MeitY, with cross-ministry representation (Home, Finance, I&B, Youth Affairs & Sports, Law). It maintains public lists of banned money games, issues codes of practice, and adjudicates user complaints — which is the seat your grievance lands in if the operator won’t pay.

The net effect: the government removed the automatic refund guarantee but kept (and tidied) the complaint machinery. So recovery is less automatic and more do-it-yourself than the draft promised — which is exactly why a tracker like this, that tells you the operator’s own process per app, is now the practical tool rather than a rulebook citation.

Grievance and escalation reference block

When the operator’s own flow stalls, these are the doors, matched to problem type. Use them in order.

Order of doors, in one line: app wind-down flow → OGAI ladder / bank-UPI dispute → NPCI → RBI Ombudsman, with consumer helpline 1915 in parallel for app-side deficiency and cybercrime 1930 the instant fraud is involved.

Recovery-time expectations per status (set your clock correctly)

Because there’s no statutory deadline, “how long should this take” has no legal answer — only a practical one tied to the operator’s status. Here is what is reasonable to expect, so you escalate at the right moment rather than too early (annoying support) or too late (letting a balance drift in a thinning queue).

The lesson the table encodes: wait time scales with operator health, not with the size of your balance. A ₹50,000 balance at solvent Dream11 is safer and faster than a ₹500 balance at an ED-frozen affiliate or an offshore clone. So the moment you know your app’s status word, you also know roughly how long to wait and which door to knock on next. Don’t benchmark your wait against a friend on a different app — benchmark it against your app’s status row.

One more timing note. A “debited but not credited” UPI failure has its own clock that overrides everything above: the RBI TAT circular forces a T+1 auto-reversal and ₹100/day after, regardless of the operator’s status. So if your money left the rail and didn’t arrive, you’re on the rail’s clock (fast, enforceable), not the operator’s clock (no deadline). That’s the best stuck-state to be in.

How this tracker is maintained

A tracker is only useful if it’s honest about its own currency. Here is the maintenance discipline:

• Last reviewed: 25 June 2026. Every status and date above reflects the position as of that review, built from named sources, not personal payout tests.
• What can change. Operator support windows narrow over time as companies downsize, so a “withdraw anytime” pledge from August 2025 is not an eternal guarantee. ED actions and court rulings can move a row into or out of the “frozen” column — WinZO’s status, in particular, tracks live litigation. And the OGAI grievance ladder, live since 1 May 2026, will accumulate case outcomes that sharpen the escalation advice.
• What won’t change. The core legal frame is stable: no statutory 180-day window, recovery rests on the operator’s voluntary wind-down + RBI/NPCI rail rules + consumer/OGAI escalation, and a new deposit is illegal. Those three pillars are the backbone you can rely on even as individual rows update.

If a row here conflicts with what your app currently shows in its wind-down notice, trust the app’s live notice for the operational detail (dates, exact flow) and use this page for the legal frame and escalation route.

Related recovery guides (go deeper on your app)

This is the tracker hub. For the step-by-step recovery on your specific app or problem, these pages go deeper:

• Any shutdown-app balance → recover balance from a shutdown app — the universal wind-down recovery method.
• A stalled or disputed refund → refund dispute recovery — when the wind-down flow won’t pay.
• Dream11 → Dream11 withdrawal recovery — the deposit/winnings refund flow.
• MPL → MPL withdrawal recovery — deposit-minus-GST math, step by step.
• Zupee → Zupee recovery — wallet withdrawal on the still-live app.
• WinZO → WinZO recovery — the ED-frozen-funds scenario.
• RummyCulture → RummyCulture withdrawal recovery — the urgent wound-down case.
• Junglee Rummy → Junglee Rummy withdrawal — the ₹50,000 KYC trigger.
• My11Circle → My11Circle recovery — the Games24x7 flow.
• PokerBaazi → PokerBaazi recovery — the investor-turmoil case.
• Adda52 → Adda52 recovery — poker wallet wind-down.
• A23 → A23 Rummy recovery — the lead-litigant rummy app.
• Teen Patti / clones → 3 Patti withdrawal — legal-vs-clone triage.

FAQ

1. Which RMG apps shut down in India after PROGA? All the major ones: Dream11, MPL, RummyCircle, Junglee Rummy, My11Circle, PokerBaazi, Adda52, A23, Zupee, WinZO and RummyCulture — 11 named operators — plus the informal Teen Patti clones. Every one suspended its cash format within days of 22 August 2025, the date PROGA got Presidential assent, per the wind-down reporting across Inc42.

2. Is there really no 180-day refund deadline? Correct. The 180-day window appeared in the October 2025 draft rules but was dropped from the final Promotion and Regulation of Online Gaming Rules, 2026. There is no statutory refund timeline now — recovery runs on each operator’s voluntary wind-down plus existing consumer and RBI rules, per the Mondaq analysis.

3. Can I still withdraw my Dream11 balance? Yes. Dream11 said balances are safe and pledged to refund the deposit balance to bank accounts by 29 August 2025, with bonus/discount credits cancelled by 23 August 2025 (source). If your balance is still stuck, it’s almost always a KYC mismatch — see Dream11 withdrawal recovery.

4. Why did MPL return less than I deposited? MPL refunds your deposit minus the GST already charged. Since 1 October 2023, 28% GST is taken on deposits at deposit time and went to the government, not MPL — so it was never MPL’s to return. A ₹100 deposit comes back smaller for that reason, not because MPL withheld it. Full math: MPL withdrawal recovery.

5. Which apps kept withdrawals open after the ban? Most. Dream11, MPL, RummyCircle, Junglee Rummy, My11Circle, PokerBaazi, Adda52, A23, Zupee and RummyCulture all kept withdrawals live to let users recover balances. WinZO pledged refunds from 25 August 2025 but hit an ED account freeze that complicated payouts (source).

6. What happened to WinZO — why is mine frozen? WinZO suspended cash play and pledged refunds, but its affiliate’s bank accounts were frozen by the Enforcement Directorate under the PMLA, and the Supreme Court even set aside a High Court order that had allowed using those frozen funds for salaries. A court-ordered freeze can’t be cleared through app support — escalate via documentation and the OGAI/consumer ladder. See WinZO recovery.

7. Is RummyCulture coming back? No. Gameskraft stopped gameplay and add-cash on RummyCulture and declined to challenge the ban, so it’s a permanent wind-down — though withdrawals stayed open and balances were stated safe (source). Because it’s closing for good, recover promptly: RummyCulture withdrawal recovery.

8. Are Adda52, A23 and the Head Digital Works apps gone for good? They’re shut down as real-money products, and Head Digital Works sued the government in the Karnataka High Court on the skill-not-gambling argument (source). The lawsuit is about the company’s right to operate and does not lock your balance — withdraw now via A23 Rummy recovery or Adda52 recovery.

9. Will I be taxed on a recovery withdrawal? Yes, on net winnings. Section 194BA still applies, so 30% TDS on net winnings comes off a recovery payout, with no minimum threshold. A pure deposit return is your own money and isn’t taxed (MPL’s GST deduction is separate). A payout ~30% lighter than your winnings is tax, not theft.

10. What if my app’s balance is just a bonus — can I get that? Usually no. Bonus, discount and promotional credits are not refundable in any operator’s wind-down — Dream11 explicitly cancelled them by 23 August 2025. Only deposit + winnings are withdrawable. Check the withdrawal screen’s withdrawable figure, not the headline wallet number.

11. My recovery withdrawal failed and money was debited — what now? That’s the strongest case. Under the RBI TAT circular (20 Sep 2019), a UPI payout debited but not credited must auto-reverse by T+1, with ₹100/day compensation after. Capture the UTR, wait through T+1, then raise a bank/UPI dispute. Steps: refund dispute recovery.

12. What about a Teen Patti app that just disappeared? It depends on the build. A legal Teen Patti skin keeps your balance (tied to your registered number) and follows the standard wind-down — see 3 Patti withdrawal. An offshore clone or mod APK that vanished is the least recoverable category; pursue only the payment-rail loss and report fraud to 1930 / cybercrime.gov.in.

13. Should I wait for the Supreme Court before withdrawing? No. The constitutional challenge concerns whether the ban survives — it does not affect your existing balance, and no court has frozen the solvent operators’ user wallets. Waiting only narrows each operator’s support window as they downsize. Recover now through the app’s wind-down flow.

14. Where do I escalate if an app simply won’t pay an owed, clean balance? Climb the ladder: the app’s wind-down/grievance flow first, then the OGAI ladder (platform → OGAI → Secretary, MeitY, each 30 days), the National Consumer Helpline 1915 in parallel, and for any rail failure the bank/UPI dispute → NPCI → RBI Ombudsman route. The universal version is on recover balance from a shutdown app.

15. Is it safe to add money to “verify” or “unlock” my withdrawal? Never. No legal app needs a deposit to release a withdrawal — it’s the clearest theft pattern, and post-PROGA a new deposit into a money game is illegal. Anyone (including a fake “customer care” caller) who asks you to deposit, or for your OTP/UPI PIN, is running a scam. Report it to 1930 and cybercrime.gov.in.

Sources & method. App statuses, shutdown dates and withdrawal pledges on this page are built from named news reporting and operator statements, not personal payout tests. Key references: the Promotion and Regulation of Online Gaming Act, 2025 and the Mondaq analysis of PROGA and the 2026 Rules (180-day clause dropped; banks kept processing withdrawals); the TechCrunch wind-down report (Dream Sports, MPL); Angel One (Dream11 29 Aug refund, WinZO 25 Aug withdrawals); Inc42 and Entrackr (operator list, PokerBaazi); Business Standard (Gameskraft/RummyCulture wind-down); The Week (Head Digital Works/A23 lawsuit); Outlook Business (Games24x7/RummyCircle/My11Circle); Bar and Bench (WinZO ED freeze); Drishti IAS and iPleaders (OGAI, two-tier grievance ladder); The Indian Eye (242 sites blocked, 7,800 total); the RBI failed-transaction TAT circular DPSS.CO.PD No.629 (20 Sep 2019), NPCI UPI Help / UDIR, and RBI Integrated Ombudsman / cms.rbi.org.in. This page is information, not legal or financial advice — verify each app’s current wind-down notice and your bank’s UPI dispute policy before acting.