When trying to add funds to your trading account, the UPI transaction may fail for one of the following reasons.

1. You tried to transfer funds to Zerodha’s ID directly from your UPI app instead of using the Add Funds option on Kite or Coin. See How do I add money using UPI to my trading account?
2. The UPI ID (VPA) is mapped to a bank account that is not registered with Zerodha. You can only add funds using this bank account once you register it either as your primary or secondary bank account. If you have transferred funds from an unmapped UPI ID, the transaction fails automatically and the funds will get reversed within 3 working days. If the funds are not reversed, please contact your bank for further clarification.
3. The UPI request sent to your app was not accepted within 5 minutes.
4. You attempted to do more than 35 UPI transactions in a day.
5. You exhausted the daily UPI transfer limit set by your bank. UPI transfers have a limit of ₹1 – ₹2 lakh per day. Banks may have further restrictions on the amount per transaction.
   
6. The UPI ID (VPA) is entered incorrectly.

   Common UPI error codes from NPCI

   Code	Description
   U30	Debit has failed - Remitter Bank Issue
   U69	Collect Request Expired
   U16	Risk Threshold Exceeded - Limit Exceeded
   Z8	Per Transaction Limit Set by Remitting Member Exceeded
   ZA	Transaction Declined By Customer
   ZM	Invalid/Incorrect MPIN
   U66	Device Fingerprint Mismatch
   Z9	Insufficient Funds In Customer (Remitter) Account
   U67	Debit Timeout
   ZE	Transaction Not Permitted To VPA by the PSP
   Z6	Number Of PIN Tries Exceeded
   ZH	Invalid Virtual Address
   U28	PSP Not Available
   U18	Request Authorisation Acknowledgment Is Not Received
   UT	Remitter/Issuer Unavailable (Timeout)
   U54	Transaction ID Or Amount In Credential Block Does Not Match With That In Reqpay
   ZG	VPA Restricted By Customer
   U09	Reqauth Time Out For Pay
   Z7	Transaction Frequency Limit Exceeded As Set By Remitting Member
   XH	Account Does Not Exist
   YD	Do Not Honour (BENEFICIARY)
   AM	MPIN Not Set By Customer
   YE	Remitting Account Blocked/Frozen
   B1	Registered Mobile Number Linked To The Account Has Been Changed/Removed
   BT	Acquirer/Beneficiary Unavailable (Timeout)