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How lit.money Helped Me Track an Unexpected Charge & Fix a Banking Mistake (My Real Story)

February 26, 2025 šŸ“– story
How lit.money Helped Me Track an Unexpected Charge & Fix a Banking Mistake (My Real Story)

Here's what happened:

I got that SMS from my bank. ā€œYour e-mandate of ā‚¹828 will be debited for ā€˜Nachiketas Publishers IND PVT LTD.ā€™ā€

Problem? Iā€™d never heard of ā€œNachiketas Publishers.ā€ šŸ¤Ø

My wife and I spent 20 minutes Googling, scratching our heads. Was this a scam? A mistake? The panic was real.

I tried checking my bankā€™s website for mandate details. But guess what? Their platform is stuck in 2005. It only shows mandates linked to cards, not UPI. Also only a poorly looking website!

Next step: call the bank. But of course, it was a public holiday. Classic.

Then I remembered: lit.money exists for exactly this chaos.

I logged in, searched for past transactions around ā‚¹828. Found one! But it was for Zohoā€™s ZeptoMailā€”a tool I use for my business. Huh?

lit money transaction screen

Confusion doubled. Until I checked my UPI appā€™s active mandates. There it was: a mandate for Zoho, not ā€œNachiketas Publishers.ā€

Turns out, the bank/UPI system had slapped the wrong merchant name on the alert. 

sms

But thanks to lit.money & my UPI app (Google Pay):

1ļøāƒ£ I tracked the transaction history instantly.

2ļøāƒ£ Cross-checked UPI mandates.

3ļøāƒ£ Avoided a pointless argument with the bank.

Hereā€™s the truth: Finance apps and banks still donā€™t talk to each other. Mandates are messy. Names get scrambled. And when youā€™re stressed, you need answersā€”not more chaos.

Thatā€™s why Iā€™m building lit.money. To cut through the noise. To show you your money story in one place. No jargon, no scammy interfaces. Just clarity.

Takeaways for you:

- Always check UPI mandates directly in your UPI app.

- Use tools like lit.money to connect dots banks canā€™t (or wonā€™t).

- Assume the system is broken. Prepare accordingly.

Stay safe out there.

P.S. Tired of money mysteries? Weā€™re fixing this.

Simple words. Real stories. No fluff. Thatā€™s the lit.money way. āœŒļø

Posted by

authorMihir Naik

šŸ‘‹ Hi, Iā€™m Mihir! Iā€™m passionate about creating things on the internet, spending quality time with my family, and, of course, hanging out with my cats. Right now, Iā€™m focused on building lit.money, a personal project close to my heart. Iā€™m also the founder of Green, where I develop tech solutions for founders and businesses to help keep the lights on (and pay my bills).

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