Note: You can only transfer funds from banks that have been registered with Upstox.
If your UPI/Net Banking transaction has failed, don't worry your amount will be refunded into your bank. You can also check the failure reason from the table below:
You can refer the link to know the Refund TAT
| Failure Cause | Reason |
| The bank account is blocked | You should check with your bank |
| Bank account with the UPI app doesn't match with trading account | Your default bank account does not match with a registered Upstox bank account. You should change your bank account in the UPI app to the registered bank account. |
| The banking system is offline, please try it after some time. | Your bank is not responding. You should try other payments after some time |
| The beneficiary account is inactive or dormant | The bank account is not active. You should get in touch with your bank |
| Invalid PIN entered | You have entered the incorrect pin. You should enter the correct PIN |
| Invalid VPA. Please enter a valid Virtual Payment Address | You have entered an incorrect VPA. Please check your VPA before entering. You can check your VPA in your UPI app. |
| Max number of PIN retries exceeded. | You have entered the wrong PIN more than 3 times. You may not be able to reset your PIN for the next 24 hours. You should try other payment methods such as NEFT/RTGS/IMPS or NetBanking. |
| Mobile number registered with multiple customers | Your mobile number is also registered with other customers. You should try other payment methods such as NEFT/RTGS/IMPS or NetBanking |
| Payment failed | The failure cause is not known. You can either try one more time or transfer using other payment methods such as NEFT/RTGS/IMPS or NetBanking |
| The payment failed at PSP | Your payment has failed from your Payment Service Provider (PSP) app. You should initiate a payment from another UPI app. |
| The payment failed because the transaction amount limit has exceeded | UPI transaction has a per transaction and per day limit. Suppose you have spent ₹20,000 on an e-commerce website, then you can only transfer up to ₹80,000 using UPI. |
| Payment failed because UPI request expired | The payment was not completed within 10 minutes of the time of initiation. You should initiate the payment one more time and complete it within this timeframe. |
| Payment Failed due to an issue with your UPI App. Please try again with another app or payment method | Your payment has failed due to some issue with your UPI app or the payment method. You can transfer payments using other UPI apps or transfer funds using NEFT/RTGS/IMPS or NetBanking |
| The payment failed due to validation failure at the bank or wallet gateway | The payment has failed due to validation failure at the bank level or at the payment gateway. You should try other payment methods such as NEFT/RTGS/IMPS or NetBanking. |
| The payment failed since the account is linked with multiple names | Your account is linked with multiple names. You should try other payment methods such as NEFT/RTGS/IMPS or NetBanking. |
| Payment failed. Please try again with another bank account. | Your payment has failed. You should try other payment methods such as NEFT/RTGS/IMPS or NetBanking. |
| Payment processing failed due to an error at the bank or wallet gateway | Your payment has failed. You should try other payment methods such as NEFT/RTGS/IMPS or NetBanking. |
| Payment rejected by the customer | You have rejected the payment. You should initiate the payment one more time and approve the payment request. |
| The registered mobile number linked to the account has been changed/removed | The mobile number registered with the primary bank account has been changed. You should update your new mobile number with your bank account. |
| Transaction processing declined on the beneficiary side | You have declined the payment request at your end. You should initiate the payment one more time and approve the request within the given timeframe. |
| Transaction to this account is not permitted | Transaction to this account is not allowed. This could be due to freezing on your bank account or third-party validation. |
Net Banking
| Failure Cause | Reason |
| Pending from Bank | Once we receive a confirmation that your transaction was successful, the amount will be updated in your Upstox wallet. In case the amount is not credited, it would be reversed within the next 24-48 working hours to your registered bank account. |
| Insufficient Account Balance | When you have insufficient funds in your bank account, this message will appear. We recommend adding funds to your bank account and trying again or transferring a lower amount to your Upstox account. |
| Canceled Payment | When you click on the cancel button on the bank transfer page, this message will appear. You will have to initiate a transfer again for your payment to get processed. |
| Payment Failure | Such a message will appear when the payment has failed from the bank's end, the payment gateway, or the wallet level. Since Upstox has no control over this, we recommend trying again, preferably with a lower amount or using another payment mode such as UPI or Google Pay. |
| Payment Gateway Request Timed Out | This happens when the payment gateway request expires. You'll need to initiate the transfer again by re-submitting your details. |
| System Error | This might occur due to internal technical issues. Please check the Upstox announcement section for any technical failure or use other payment modes for the funds' transfer. |
| Payment Request Time Out | When the payment request was not completed on time, this could happen. You might have to initiate the transfer again. |
| Account Disabled | Your bank account could have been disabled. To resolve this, you need to check with your bank or submit a request to change the primary bank account in Upstox. Click here to know how to add another bank account and modify your primary bank account on Upstox. |
| Invalid Account Details | Payment could have failed due to invalid/incorrect account details. Kindly retry the transaction with the correct details. |