do you actually get the money banks are supposed to pay when they delay payments?

I don't know if this is the correct place to ask this. I've heard that in case of a failed UPI payment, the bank must return the money in a certain number of days and for each additional day, they must pay a fine amount. This is the same case for returning the documents after you closed a loan. Do you actually get that money or do banks make some excuse if someone does ask for the money and hope they forget about it.