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UPI Payment Sent to the Wrong Person or a Scammer: Can You Get It Refunded?
Oct 12, 2026 02:55 AM
How-To Guides

UPI Payment Sent to the Wrong Person or a Scammer: Can You Get It Refunded?

A failed UPI payment is auto-reversed by T+1 with Rs 100 a day compensation; an unauthorised one costs you nothing if reported in 3 working days; a payment you authorised yourself is not covered. The RBI rules, and what to do in each case. [Read more...]
How to Check if a Stock Broker or Advisor Is SEBI-Registered in India
Oct 12, 2026 02:55 AM
How-To Guides

How to Check if a Stock Broker or Advisor Is SEBI-Registered in India

Search SEBI's Recognised Intermediaries register, read INZ, INH and INA numbers, use SEBI Check and @valid UPI IDs, and spot unregistered finfluencers. Registration is not a guarantee of returns, and SEBI's own rules say so. [Read more...]
Lost Money to an Online Trading or Investment Scam in India? What to Do
Oct 12, 2026 02:55 AM
How-To Guides

Lost Money to an Online Trading or Investment Scam in India? What to Do

Call 1930 and file at cybercrime.gov.in first, then tell your bank. What the 1930 system does, when SEBI's SCORES can and cannot help (registered vs unregistered), why "fund recovery" offers are a second scam, and the law behind it. [Read more...]
Section 63 Bharatiya Sakshya Adhiniyam: The Electronic Evidence Certificate
Sep 22, 2026 09:17 AM
How-To Guides

Section 63 Bharatiya Sakshya Adhiniyam: The Electronic Evidence Certificate

The provision that replaced section 65B of the Evidence Act. Who can issue the certificate, what it must say, when producing the original device is enough instead, and how to get one attached before filing at e-Jagriti (formerly e-Daakhil). [Read more...]
How to Preserve Evidence Before an App Deletes It
Sep 22, 2026 09:17 AM
How-To Guides

How to Preserve Evidence Before an App Deletes It

Disappearing WhatsApp messages, deleted listings, deactivated accounts and limited retention windows all work against you. Export chats, screen-record anything that scrolls, and file promptly - evidence is harder to get the longer you wait. [Read more...]
What Does a WhatsApp Chat Actually Prove in India?
Sep 22, 2026 09:17 AM
How-To Guides

What Does a WhatsApp Chat Actually Prove in India?

A screenshot is weaker than WhatsApp's own Export chat feature. What a Forwarded tag does and doesn't establish, what disappearing messages cost you, and how chat evidence ties back to the section 63 certificate requirement. [Read more...]
Can You Legally Record a Phone Call in India?
Sep 22, 2026 09:17 AM
How-To Guides

Can You Legally Record a Phone Call in India?

Recording your own call - customer care, a recovery agent - is generally legal in India, a one-party-consent position going back to R.M. Malkani v State of Maharashtra. What you do with the recording afterward is a separate question. [Read more...]
Is a Screenshot Valid Evidence in India?
Sep 22, 2026 09:17 AM
How-To Guides

Is a Screenshot Valid Evidence in India?

A screenshot is secondary evidence under section 63 of the Bharatiya Sakshya Adhiniyam - admissible with a certificate the Supreme Court has twice held mandatory. Consumer forums accept screenshots more readily; what actually strengthens one. [Read more...]
No Invoice? What Actually Counts as Proof of Purchase in India
Sep 22, 2026 09:17 AM
How-To Guides

No Invoice? What Actually Counts as Proof of Purchase in India

Never kept the invoice? A bank/UPI statement, order email or SMS, courier ID, the seller's own order page and a warranty registration all count too - and which one to use depends on the forum: bank dispute, consumer complaint or warranty claim. [Read more...]
Loan App Harassment in India: What Is Illegal, and Exactly What to Do
Sep 15, 2026 09:34 AM
How-To Guides

Loan App Harassment in India: What Is Illegal, and Exactly What to Do

Identify the regulated lender behind the app, because everything follows from it. RBI digital lending rules bar contacts access; recovery calls are limited to 8am-7pm. Grievance officer, then the RBI Ombudsman, plus 1930 and Sachet. [Read more...]
Telecom Complaint in India: Why TRAI Will Not Help, and What Does
Sep 15, 2026 09:34 AM
How-To Guides

Telecom Complaint in India: Why TRAI Will Not Help, and What Does

TRAI regulates operators, it does not settle your bill. The route that works is 198 for a docket number, then your operator's named Appellate Authority, then a consumer commission - which the Supreme Court confirmed has jurisdiction in 2022. [Read more...]
Flight Cancelled, Delayed or Denied Boarding? What DGCA Rules Entitle You To
Sep 15, 2026 09:34 AM
How-To Guides

Flight Cancelled, Delayed or Denied Boarding? What DGCA Rules Entitle You To

The amounts are fixed by DGCA CAR Section 3 Series M Part IV, not by goodwill: up to Rs 20,000 for denied boarding, Rs 5,000 to Rs 10,000 for a late-notice cancellation, meals and a hotel for delay - and the weather exception. [Read more...]
How to Complain About a Bank or NBFC in India: The RBI Ombudsman Route
Sep 15, 2026 09:34 AM
How-To Guides

How to Complain About a Bank or NBFC in India: The RBI Ombudsman Route

Thirty days with the bank, then the RBI Ombudsman - free, no lawyer, up to Rs 30 lakh plus Rs 3 lakh for harassment. Includes the unauthorised-transaction liability table: report in 3 working days and you owe nothing. [Read more...]
Builder Delayed Possession? Your Refund and Interest Rights Under RERA
Sep 15, 2026 09:34 AM
How-To Guides

Builder Delayed Possession? Your Refund and Interest Rights Under RERA

Section 18 gives you the choice, not the builder: full refund with interest, or interest for every month of delay. How to file under section 31, what the interest works out to, the 30 per cent appeal deposit, and RERA versus consumer court. [Read more...]
Insurance Claim Rejected? The Escalation Ladder That Works in India
Sep 15, 2026 09:34 AM
How-To Guides

Insurance Claim Rejected? The Escalation Ladder That Works in India

Get the rejection in writing with the clause named, then escalate: grievance officer in 15 days, Bima Bharosa, and the Insurance Ombudsman - free, no lawyer, up to Rs 50 lakh. Plus section 45 and the 60-month health moratorium. [Read more...]

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