Failed UPI, ATM & Card Reversal Penalty Scanner
Banks must auto-reverse failed debits within T+1 (UPI/IMPS/NACH) or T+5 (ATM/PoS). For every delayed day, the bank legally owes you ₹100/day direct customer compensation.
Drop your bank statement here (PDF, CSV, or TXT)
Supports SBI, HDFC, ICICI, Axis, PNB & all Indian bank statements.
Extracted Statement Metadata
Extracted automatically from statement headers to format your claim notice.
Scanned Transactions
0
Entries parsedUnrefunded Principal Debits
₹0
0 missingDelayed Reversals
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Breached RBI TATTotal ₹100/Day Penalties Owed
₹0
Direct customer claimUnlock Full Audit Table & Ready-to-Serve Banking Ombudsman Claim Notice
Reveals every masked transaction, delay calculations, and generates your complete notice citing RBI Circular DPSS.CO.PD No.243/02.14.003/2019-20 addressed to your bank's Nodal Officer with your name and account number pre-filled.
One-time payment per unique PDF
Complete Transaction Breakdown
Locked Preview| Date | Channel | Narration & Reference | Debit (₹) | Status | Delay | Penalty Owed |
|---|---|---|---|---|---|---|
| Upload a statement or click "Run Demo Statement" above to audit all entities. | ||||||
Frequently Asked Questions & Statutory Framework
Official RBI rules governing failed reversals, credit cards, and property title deed returns.
How does the ₹100/day compensation for failed UPI/ATM work?
Under RBI Circular DPSS.CO.PD No.243/02.14.003/2019-20, banks have T+1 day for UPI/IMPS and T+5 days for ATM cash retract failures. If this window is exceeded, the bank is legally required to credit ₹100 for each delayed day directly to your account.
What if my bank delays credit card closure beyond 7 days?
According to RBI Master Direction RBI/2022-23/29 Chapter VI Para 8(d), card issuers must honor closure requests within 7 working days once dues are paid. Failure to do so leads to a statutory penalty of ₹500 per day payable to the cardholder.
What is the ₹5,000/day property document release rule?
Under RBI Direction RBI/2023-24/60, all regulated lenders (Banks, HFCs, NBFCs) must release original movable/immovable title deeds within 30 calendar days of full repayment. Delays beyond 30 days mandate compensation of ₹5,000 per day.
Is my banking statement safe and private?
Yes. RBI ClaimPay executes entirely client-side using in-browser Web Workers and Web Crypto APIs. Your bank statement is never transmitted over the internet or stored on an external server.