UPI compensation calculator

When a UPI payment fails but the money is still debited, RBI rules say it must auto-reverse by T+1 (the next day). If your bank does not reverse it in time, it owes you ₹100 for every day of delay. Enter your figures to see roughly what you are owed. Nothing is stored.

Amount debited but not received (₹) Days since the debit (today counts as day 0)

Compensation rule per RBI circular DPSS.CO.PD No.629/02.01.014/2019-20 (Harmonisation of Turn Around Time). A failed UPI debit should auto-reverse by T+1; otherwise ₹100/day applies from T+1 until the credit lands. See the full guide on what to do when UPI failed but money was debited. This is an estimate, not financial or legal advice.