I am reporting a big loop whole and a serious draw back in the functioning of BHIM UPI launched by the Hon’ble PM. I transferred following amount from my SBI SB A/C No.10214787364 IFSC:SBIN0009280, Patel Nagar Branch, Hisar ( Haryana) to my daughter MADHU SINGH ICICI SB A/C No.############ IFSC:ICIC0002461, Defence Colony Branch, Hisar (Haryana) as per details given below:-
Amount Date Transaction
40,000-00 24-12-2019 ############
However, the BHIM UPI wrongly credited the above amount to the ICICI Bank SB A/C No.############ IFSC:ICIC0002355, Dwarka Chowk Branch, New Delhi-110059 in the same name of a person Madhu Singh of Delhi. This came to my notice only on 25-12-2019 when my daughter informed me that the amount in question Rs.40,000-00 has not been credited to her account. . I immediately contacted the Branch Manager, SBI Patel Nagar Branch, Hisar and brought the whole issue to his notice. I also submitted a complaint in writing on 26-12-2019. I was told that it may take a week to do the needful. On 01-01-2020, I was told that the amount haS been wrongly credited to another person account in the same name Madhu Singh for which matter be taken up direct with BHIM UPI.
To my surprise a blunder mistake has been committed by BHIM UPI. They transferred the money by UPI ID “[email protected]
”. Definitely it is a big loop whole in their system. Amongst the population of about 1.33 millions there may be thousands persons in the same name then how such type of ID only by name can be authenticated and that too for the purpose of transfer of money from one account to another accout. However, ID with Mobile Number or Bank Account Number cannot be duplicate so BHIM UPI should not entertain transfer request without Mobile or Bank Account Numbers ID. Kindly take up the matter with BHIM UPI Authorities to avoid transfer of money with common name UPI ID but only with Mobile or Bank Account numbers only. This may be done without delay.
I, therefore, request to kindly take up the matter with the BHIM UPI besides through each others Bank UPI Teams i.e. SBI UPI Team with ICICI Bank UPI Team either to transfer the above said amount back to my account or credit be given to my daughter’s account referred to above. This must be done without loss of any time failing which it will be the personal responsibility of BHIM UPI & SBI,ICICI Bank for any financial loss to me.
I also requested the ICICI Bank to kindly keep above amounts under LIEN being a disputed one so that it may not be withdrawn by the person in whose account the amount stand wrongly credited. Any delay in putting LIEN shall be the personal responsibility of ICICI Bank. I am also told that the ICICI Bank has recovered penalty from her A/C No.############ which may please be transferred back as the money in question belongs to me and not that person and the Bank has no right to recover her penalty from my money.
( P C Marwal)
406, PLA Sector, HISAR-125001