New NPCI rule speeds up UPI transaction disputes

Business Jun 23, 2025

From July 15, 2025, banks in India can fast-track genuine UPI refund requests without waiting for NPCI's green light.
This means if your payment gets stuck, is duplicated, or you face fraud, your bank can sort it out much quicker using a new process called RGNB.

How this new process will help you

Banks will now handle valid chargebacks internally—even if earlier attempts were blocked—so refunds for failed or unauthorized payments should reach you faster.
With over 11 billion UPI transactions each month, this update could save a lot of people from long waits.

For genuine disputes only

NPCI is clear: this shortcut is only for real disputes. They want to help honest users but keep the system safe from misuse.