ATM Se Paise Deduct Ho Gaye Par Cash Nahi Nikla
ATM se cash nikalne jaate ho, machine sound karti hai, screen processing dikhata hai… par paise nahi aate.
Aur mobile par turant message aa jata hai:
“Your account has been debited by ₹_____ via ATM.”
Is ke hisaab se ye paise aapko wapas milte hi milte hain.
Is article me hum simple Hinglish me samjhenge:
Cash kyun nahi nikla hota?
Bank kitne time me paisa wapas karta hai?
Aapko kya steps follow karne chahiye?
Kaun si galtiyan avoid karein?
Bank ko complaint kaise karein?
⭐ Ye Issue Hota Kyun Hai? (Main Reasons)
1️⃣ ATM Machine Me Cash Kam Ya Jam Ho JanaMachine note dispense nahi karta par transaction debit ho jata hai.
2️⃣ Network / Server IssueBank server slow ho to debit ho jata hai, par machine cash nahi deta.
3️⃣ Other Bank ATM UsageDusre bank ke ATM me failed transaction ki probability zyada hoti hai.
4️⃣ Timeout TransactionMachine time-out ho jaye, card late nikalo, etc.
5️⃣ Cash Tray ErrorNote tray jam ho jaye to cash andar hi atak jata hai.
Important:
Agar machine ne cash physically release nahi kiya, to RBI Guarantee hai ki paise aapko refund honge.—📌 Agar Cash Nahi Nikla Par Paise Cut Ho Gaye — Kya Karein?
✔ Step 1: Slip ya Screenshot Save Kar LoTransaction proof bahut important hota hai.ATM slipMobile SMSBank app notification Koi ek zaroor rakh lo.
✔ Step 2: Check Karo — Paise “Hold” Par Hain Ya “Final Debit”Kai banks me amount pehle pending/hold dikhata hai, baad me auto-reverse ho jata hai.
✔ Step 3: 24 Hours Wait Karo (Most Cases Me Auto Refund)RBI rule ke hisaab se:> “Same bank ATM transaction — refund within T+5 working days.”Par mostly 1–2 din me auto refund ho jata hai.
✔ Step 4: Agar Refund Nahi Aata — Complaint File Karo (Mandatory)🚨 How to Complaint?
Bank branchCustomer care
Net banking complaint form
Mobile app service request
ATM ID note karke register complaint
Required Details:
ATM Location
ATM ID
Transaction amount
Date & Time
Last 4 digits of card
Complaint number zaroor save karna.
💡 RBI Rules (Sabse Important Section)
✔ Rule 1 — Bank ko 5 working days me refund dena hi hogaRBI ke Circular ke hisaab se max time limit T+5 days hai.
✔ Rule 2 — Delay par ₹100 per day penaltyAgar bank 5 days me paisa nahi deta, to woh 100 rupees per day penalty pay karega.
✔ Rule 3 — Complaint reject nahi kar sakteAgar cash dispense nahi hua, to ye bank ki responsibility hai, customer ki nahi.
✔ Rule 4 — Other bank ATM par bhi rules same hainSBI card → HDFC ATMICICI card → Axis ATMSab par same RBI rule apply hota hai.
⭐ Practical ExampleAapne ₹5000 nikalne ka try kiya.Machine ne cash nahi diya, par message aa gaya.Same day evening bank ne amount auto reverse kar diya.Ye sabse common scenario hai.
🧨 Kon-konsi Galtiyan Avoid Karein?
Machine me obvious problem dikh rahi ho to use mat karoOut-of-service ATM me card mat dalnaMachine slow ho to baar-baar cancel mat dabaoEk hi ATM par back-to-back withdrawals avoid karo. Dusre bank ATM avoid karo jab nearby apne bank ka ATM ho.
🧾 Agar Bank Refund Nahi Kare — Kiske Paas Jaayein?1️⃣ Bank’s Nodal OfficerHar bank ka nodal officer contact available hota hai.2️⃣ RBI Ombudsman (Free Complaint)Agar 30 din me problem resolve nahi hoti, RBI directly action leta hai.Website: cms.rbi.org.in