If you consistently face issues with one UPI app, try using a different UPI app.
Your money may not be added to your Zerodha account even after a successful UPI transfer. This happens when you transfer money directly to Zerodha's UPI ID instead of using the Add Funds option on Kite, or when your UPI transaction fails due to technical issues.
Why your UPI transfer may fail
Your UPI transaction fails when adding money to your Zerodha account for these reasons:
- You transferred money directly to Zerodha's VPA or UPI ID from your UPI app instead of using the Add Funds option on Kite or Coin.
- Your UPI ID is linked to an unregistered bank account. You can only transfer money from bank accounts registered with Zerodha. UPI transactions from unregistered bank accounts automatically fail and are reversed within 72 working hours. If your funds are not reversed, please contact your bank
- You did not accept the UPI request within 5 minutes.
- You exceeded the daily transaction limit. You can make only 35 UPI transactions per day.
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You’ve exceeded your bank’s UPI transfer limit. For capital market investments, UPI transfers are capped at ₹5 lakh per transaction, and your bank may apply additional restrictions per transaction.
- You entered an incorrect UPI ID (VPA).
What to do if your transfer fails
If your UPI transfer fails, the amount will be automatically reversed to your bank account within 72 working hours. Please contact your bank if the reversal takes longer.
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 |
| 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) |