Some users have reported a transaction failed error in bhim in which UPI transaction was failed but still money from the bank account was debited. If that happens to you, there is no need to panic because when a transactions get declined or failed in bhim app for some reason, money is refunded back to the default account.
At times it make longer than it usually takes to get the refund amount bank in bank account. In case the refund has not credit back within 1 hour, you should contact your bank’s support to enquire about the transaction. You give them the UTR or transaction reference number to get exact reason why it failed and why it hasn’t been credited back to the account.