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Why am I unable to add funds to my trading account through UPI?

If you consistently face issues transferring funds from your UPI app, we strongly recommend you try a different UPI app.

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)