How can I legally recover money lent to a friend or relative via UPI or bank transfer?
1. Send a formal 15-day Legal Demand Notice through an advocate; 2. If unpaid, file a Civil Money Recovery Suit or Summary Suit under Order 37 CPC within 3 years of default; 3. If there is clear dishonest intention from inception, lodge a criminal complaint for cheating under Section 318 BNS (420 IPC).