New Delhi, Jan. 13 -- Last month, a 73-year-old spiritual teacher, who did not want to be named, accidentally transferred Rs.1,050 through the unified payments interface (UPI) to a wrong phone number. To recover the money, she traced the transaction within her UPI app.

"Since the number was masked, it took me a week to locate this person. When informed through a chat message, he was kind enough to return the payment," she said.

While the senior citizen was fortunate, outcomes are not always as smooth-especially when the amount involved is larger or the recipient refuses to cooperate.

That was the case for a 19-year-old commerce student from Gurgaon, who also did not want to be named.

"Instead of transferring my Rs.6,000 college deposi...