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Why are funds transferred via UPI not added to the Zerodha account?

If you consistently face issues transferring funds from the UPI app, please try a different UPI app.

The UPI transaction may fail when adding funds to the Zerodha account for any of the following reasons:

  • Funds were transferred directly to Zerodha’s VPA or UPI ID from the UPI app instead of using the Add Funds option on Kite or Coin. See How to add funds to the Zerodha account using UPI?
  • The UPI ID (VPA) is mapped to a bank account that is not registered with Zerodha. UPI transactions from unmapped or unlinked bank accounts will automatically fail and be reversed within 72 working hours. If the funds are not reversed, contact the bank.
  • The UPI request sent to the app was not accepted within 5 minutes.
  • More than 35 UPI transactions were attempted in a day.
  • The daily UPI transfer limit set by the bank was exhausted. UPI transfers have a limit of ₹1 to ₹2 lakh per day. Banks may have further restrictions on the amount per transaction.
  • The UPI ID (VPA) was entered incorrectly.

The common error codes from the National Payments Corporation of India (NPCI) are:

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
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)