If only that worked.
Finding the UPI receiver is like chasing shadows — there’s no real contact info, no legal entity, just a shell used to pipe your money out of India. You try filing a complaint with your bank saying, “Hey, I sent money to a gambling site through a fake business account listed on a mirror domain.” You won’t get a refund. You’ll get a compliance officer locking your account under suspicion of laundering.
I meant to say that this support claim for reimbursable will work only when both the parties acknowledges it, I don't mean this will work for this but I said how it helped me in such scenario. Let's say I made a transfer to wrong UPI so I have the possibility to contact the receiver via bank and confront them whether this is an actual mistake or not. And it is hard to come into judgment unless the receives accepts that yes it's not the fund that is supposed to be credited here so the bank will reverse this.