PhonePe — Ailed UPI Transaction Amount Debited but Refund Not Processed

On 18 July 2026, I made a UPI payment of ₹8, 044 to HDFC ERGO General Insurance through the PhonePe app.

After the payment, PhonePe displayed the following message:

"The insurer couldn't issue your policy due to a technical issue. Please do not worry, your money will be refunded to your account."

However, although ₹8, 044 was debited from my HSBC bank account, the promised refund has not been processed.

I raised PhonePe Ticket No. #23105245 immediately after the incident. The expected resolution date was initially 1 August 2026 but has since been extended to 4 August 2026, and the issue still remains unresolved.

I request PhonePe to either:

Process the refund immediately, or
Confirm whether the amount was successfully credited to the beneficiary by tracing the transaction using the PhonePe Transaction ID and UTR.

PhonePe Transaction ID: VF2607181146159631402396
UTR:[protected]