UPI Limits and RulesUPI money debited but not received?
RBI sets a time limit for banks to reverse a failed payment and pays ₹100 a day for each day beyond it. Work out what is due. Rules from the RBI circular of 20 September 2019, read on 13 November 2026. Nothing you type leaves your device.
The time limits at a glance
| Payment type | Reversal due | Compensation |
|---|---|---|
| UPI: money debited, beneficiary not credited (a transfer) | T + 1 | ₹100 a day |
| UPI: money debited, no confirmation at the merchant (a payment to a merchant) | T + 5 | ₹100 a day |
| IMPS: money debited, beneficiary not credited | T + 1 | ₹100 a day |
| ATM: account debited but cash not dispensed | T + 5 | ₹100 a day |
| Card to card transfer: debited, beneficiary not credited | T + 1 | ₹100 a day |
| Card at a shop (PoS): debited but no confirmation at the merchant | T + 5 | ₹100 a day |
| Card online: debited but no confirmation at the merchant’s system | T + 5 | ₹100 a day |
| Aadhaar Enabled Payment System: debited, no confirmation or not credited | T + 5 | ₹100 a day |
| Aadhaar Payment Bridge: delay in crediting the beneficiary | T + 1 | ₹100 a day |
| NACH: delay in crediting the beneficiary or reversal | T + 1 | ₹100 a day |
| Prepaid wallet or card, same issuer: not credited or no confirmation | T + 1 | ₹100 a day |
Common questions
How long does a bank have to reverse a failed UPI transfer?
RBI’s circular says that when money is debited but the beneficiary is not credited, the beneficiary bank must auto-reverse latest on T + 1 day, where T is the day of the transaction. For a UPI payment to a merchant with no confirmation, the auto-reversal is due within T + 5 days.
What compensation do I get for a delay?
₹100 for each day of delay beyond the time limit, credited to your account. RBI says it is paid on its own, without waiting for a complaint or claim.
Where do I complain if I am not given redress?
RBI says customers who do not get the redress described in the time limits can complain under the Reserve Bank Integrated Ombudsman Scheme, 2021.
Sources
- NPCI circular NPCI/UPI/2025-26/OC/185B, 28 August 2025, "Addendum to OC 185 A – Implementation of higher per transaction limit for specific categories in UPI" (Annexure I), read on 13 November 2026 from the PDF on npci.org.in.
- NPCI circular NPCI/UPI/OC-226A/2026-27, 3 July 2026, "Enhancement of Transaction Limit for On-Device Biometric Authentication in UPI".
- NPCI circular NPCI/UPI/OC No. 240/2026-27, 4 November 2026, "Standardization of Dispute Management Rules in URCS".
- Reserve Bank of India, DPSS.CO.PD No.629/02.01.014/2019-20, 20 September 2019, "Harmonisation of Turn Around Time (TAT) and customer compensation for failed transactions using authorised Payment Systems" (rbi.org.in), read on 13 November 2026.
Figures read on 13 November 2026 from the NPCI and RBI circulars named above. Limits and rules change by circular: check your bank or app for the limit that applies to you. This site is independent, not connected with NPCI, RBI or any bank, and gives information, not advice.