RBI Auto-Debit Rule: ₹15,000 Tak Koi OTP Nahi — Aapke Account Se Bina Pooche Paisa Katega

Kya Badla Hai — Puri Baat Seedhi Zubaan Mein

Pehle ka system simple tha — jab bhi kisi company ka autopay aapke account se paisa katna chahta tha, ek OTP aata tha. Aap confirm karo, tabhi paisa jata tha. Aapka control tha.

RBI ne yeh system badal diya. Ab ₹15,000 tak ke kisi bhi recurring payment ke liye OTP ki zaroorat nahi hai. Ek baar mandate set hua, toh deadline aane par seedha aapke account se cut hoga — aap so rahe ho ya kaam par ho, farq nahi padta. Aur agar aapne kabhi koi subscription liya tha jo aap bhool gaye, toh woh bhi silently katega.

SIP aur insurance ke liye yeh limit aur badi hai — ₹1 lakh tak bina OTP ka auto-debit ho sakta hai.

Ek Cheez Jo Aapko Bachati Hai — 24-Ghnte Ka Alert

RBI ne limit badhane ke saath ek protection bhi diya hai. Har autopay se kam se kam 24 ghnte pehle aapko ek notification bheja jaega — SMS ya email ke zariye — jisme likha hoga ki kitna paisa kaun kata wala hai.

Yahi window hai jisme aap action le sakte ho. Agar aapko woh payment nahi karni, toh usi 24 ghnte ke andar apne bank app ya UPI app se us specific mandate ko cancel kar sakte ho. Notification aaye aur aap ignore karo — toh paisa kat jaega, koi ruk nahi sakta.

24-ghnte ka notification ek warning hai, na ki permission mangna. Koi OTP nahi aayega. Agar cancel nahi kiya, paisa cut hoga.

Kaun Se Payments Iss Rule Ke Under Aate Hain

Sirf kuch khaas payments nahi — har tarah ke recurring mandates iss rule ke andar aate hain jo debit/credit card, net banking ya UPI se linked hain:

• OTT subscriptions — Netflix, Prime, Hotstar, Spotify
• Insurance premium — life, health, vehicle
• SIP aur mutual fund investments
• Gym memberships, app subscriptions
• EMI payments — loan, credit card
• Utility bills jo autopay pe set hain
• Cloud storage — Google One, iCloud, etc.

Yeh sab ₹15,000 ke neeche hain toh bina OTP ke katenge. SIP aur insurance ₹1 lakh tak bina OTP ke katenge.

NPCI Portal Pe Apne Saare Autopay Kaise Check Karein

Sabse zaroori kaam yeh hai ki aap ek baar baith ke apne saare active mandates dekho. NPCI ki official website upihelp.npci.org.in iske liye bani hai.

1. Browser mein jaao: upihelp.npci.org.in
2. "UPI AutoPay" section mein jaao
3. Apna registered mobile number aur UPI ID daal ke verify karo
4. Screen par saare active mandates dikhenge — merchant ka naam, amount, frequency
5. Jo merchant ko aap nahi pahchante ya jo service aap use nahi karte, usse wahi se deactivate karo

Iske alawa aap apne UPI app mein bhi check kar sakte ho — GPay, PhonePe, Paytm — sabmein "AutoPay" ya "Recurring Payments" section hota hai. Bank apps mein bhi "Standing Instructions" ya "e-Mandate" section hota hai.

Unauthorized Debit Ho Gaya Toh Kya Karein

Agar bina aapki jaankari ke ya galat tarike se paisa kat gaya, toh yeh steps follow karo:

1. Turant bank ko call karo — 24x7 helpline pe unauthorized debit report karo aur us mandate ko block karne ko kaho
2. Likha hua complaint dena — Bank ke branch mein ya net banking ke through written complaint daro, transaction ID ke saath
3. 30 din ka rule — Bank ko 30 din mein resolve karna hoga. Nahi kiya toh compensation bhi milta hai
4. RBI Ombudsman — Agar bank ne koi response nahi diya ya reject kar diya, cms.rbi.org.in pe RBI Ombudsman ke paas online complaint karo — yeh free hai

Refund ke liye bank ke paas case strong hoga agar aapne:

• Woh mandate kabhi khud set nahi kiya tha
• 24-ghnte ka pre-notification nahi mila
• Merchant ne service band ho jaane ke baad bhi paisa kata

3 Kaam Jo Abhi Karo — Is Article Ko Padhke Jaane Se Pehle

Theory samajh li, ab action lo:

1. upihelp.npci.org.in pe login karo aur saare active UPI autopay mandates ek baar check karo. 5 minute ka kaam hai.
2. Apni bank app khoolo aur "Standing Instructions" ya "e-Mandate" section dekho — debit card ya net banking se linked subscriptions wahan honge.
3. Notifications ON rakho — Bank aur UPI app ke notifications band mat karo. 24-ghnte wala alert isi se aayega. Woh alert hi aapka asli bachav hai.

Har mahine ek baar yeh audit karo — khaaske jab aap koi free trial khatam karo ya koi app delete karo. Trial khatam hona aur paid mandate active rehna do alag cheezein hain.