Is UPI / NPCI down right now?
UPI / NPCI is working
Responding normally and no problems reported. If you still can't get on, it's likely your connection or app. Try the steps below.
- Reports·1h
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- Server
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- 5 hours ago
Answer: No UPI / NPCI issues reported in the last 24 hours, and it responded normally at our last check on 24 Oct 2026, 4:00 AM IST.
Our automated check runs from one or more locations and may miss in-app problems; reports come from users across India. We only call something "down" when users confirm it too. Here's how we check.
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Last 24 hours: 0 reports.
About UPI / NPCI
UPI is owned and run by the National Payments Corporation of India (NPCI), the body set up by the Reserve Bank of India and the Indian Banks' Association to operate the country's retail payment rails. RuPay cards, IMPS, FASTag on NETC, AePS and Bharat BillPay come from the same place.
Nobody holds an account with NPCI. A UPI payment travels from your app to your bank, through NPCI's switch, to the receiving bank, so a failure can sit at any of those four points.
NPCI now runs a dedicated MyUPI portal where a customer can check a transaction and raise a dispute, and it routes that dispute back to the bank that has to settle it.
Live reports
showing 8 of 9
- No one has reported a problem with UPI / NPCI in the last 24 hours.
- History has 9 reports from the last 80 days.
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16 Oct
MumbaiVi
Bank server down error
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16 Oct
MumbaiVi
Payment failed
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14 Oct
Other
Payment failed
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26 Sep
BengaluruAirtel
Payment failed
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26 Sep
MumbaiAirtel
Something else
“Showing blank page on phone” — Mehul Jain
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26 Sep
SalemJio
Bank server down error
“I don’t have any cash with me. All my money is in my bank account, but my payment keeps failing because the bank server is down. I urgently need to travel home by bus.”” — M.vaira prakash
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12 Sep
PuneAirtel
Payment failed
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3 Sep
RourkelaJio
Bank declining UPI
What people are reporting
- Payment failed · 5
- Bank server down error · 2
- Bank declining UPI · 1
- Something else · 1
Where reports come from — 4 states
- Maharashtra · 4
- Odisha · 2
- Karnataka · 1
- Tamil Nadu · 1
- Other · 1
Which networks — 3 networks
- Jio · 3
- Airtel · 3
- Vi · 2
- Other · 1
Reports about UPI / NPCI in the last 90 days, up to 23 Oct 2026, 5:30 AM IST, are coming from users across Jio, Airtel and Vi, so this does not look specific to one network.
Also being reported right now
These related services are being reported right now.
80-day history
We checked 125 times over the last 80 days — healthy on 65 days, minor issues on 2 days. It typically responds in about 0.2s.
Dashed line is its usual 0.2s, measured over the last 14 days. Gaps are days with no timing data.
Recent reports & outages
Reported problems minor
Peaked at 2 reports in an hour on 26 Sep. Reported from Karnataka.
If UPI / NPCI isn't working
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Do not send it twice Money taken for a failed payment is returned to the payer's account; the RBI deadline is T+1. A second attempt can leave two debits to chase instead of one.
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Test with another bank's account Pay a rupee from a different bank account in the same app. If that goes through, the first bank is down rather than UPI.
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Check the daily limit Banks cap both the amount and the number of UPI payments a day, so a limit reached looks like a failure. Check your bank's UPI limit before retrying.
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Pending? Give it 30 minutes A payment stuck on pending is still moving between the two banks. Check the status rather than retrying it.
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Look up the payment on MyUPI NPCI's MyUPI portal checks a transaction by UTR and opens a dispute on it if the money has not come back.
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Read how the reports here are spread Reports from many banks and apps at once mean UPI itself. Reports naming one bank mean that bank.
Other ways to access UPI / NPCI
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Pay from another bank's account Most UPI apps hold more than one account. Switching the account inside the app is the quickest way past a single bank's outage.
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Use IMPS, net banking or a card IMPS moves money between banks round the clock and does not touch UPI. A card or net banking covers a merchant payment.
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Ask the payee for another way to pay Ask whether the shop takes a card or cash, and a person can be paid by IMPS with the account number and IFSC.
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Settle a stuck payment later Once the money is out, the fix is a dispute and not a retry. The UPI and NPCI complaint routes cover the portal, what to keep ready and where a bank complaint goes next.
Official channels during an outage: X · Facebook · Instagram · YouTube · LinkedIn · Website
Questions
Look at how the reports here are spread. A spike across many banks and apps at once means UPI itself has downtime or a technical issue. A small, steady count that names one bank points at that bank, which can fail while every other bank pays normally.
Four things stand between you and the payee: your app, your bank, NPCI's switch and the receiving bank. One test narrows it down in a minute: send Rs 1 to yourself from a second bank you hold in the app. A payment that clears there leaves the first bank to blame.
It means the bank, not the app. NPCI explains the message as that bank's core banking system being under heavy traffic or in maintenance, and says to try again after some time. Paytm words the same thing as your bank's servers being down across all UPI apps, not just Paytm, and Google Pay and PhonePe show their own version of it. This is what people are seeing when they search one bank at a time - IDBI, Union Bank of India (UBI), Canara Bank, Central Bank of India, HDFC Bank or Bank of Baroda UPI not working - while every other bank pays normally. Nothing on your phone will change it, so use another bank's account for anything urgent.
Within one working day: T+1 is the RBI's limit. NPCI says a debit against a failed transaction is auto-reversed by your bank within T+1 working days, and a timed-out one within three. Do not pay again meanwhile. If the money stays out, check the transaction and raise a dispute on NPCI's MyUPI portal with the 12-digit UTR.
Give the payee the 12-digit UTR from your app and let them check with their own bank, because a credit can sit at the receiving end. NPCI's guidance is to wait 24 hours and then raise a dispute as amount debited, beneficiary not credited. A pending payment is different: leave it 30 minutes and never send a second one.
Look at the limit before the outage. NPCI puts the usual daily ceiling at Rs 1 lakh, and banks set their own cap on how many payments a day you can make, so a limit hit reads exactly like a failure. Otherwise it is the bank's own server, and a second bank in the same app will pay normally.
Dobara payment mat kijiye. Failed transaction ka paisa bank agle working day tak wapas kar deta hai. 12 digit ka UTR number sambhal kar rakhein. Paisa na aaye to NPCI ke MyUPI portal par status dekhein aur wahin complaint darj karein. Turant chahiye to kisi dusre bank ke account se bhejein.
Tap Download on the status card at the top. The server down screenshot shows UPI / NPCI's status, when we last checked, and how many users are reporting problems.
Money stuck or payment failed on UPI / NPCI? See the verified UPI / NPCI customer care and helpline numbers, with support timings.
Related & alternatives
If UPI / NPCI is down, these UPI and payment apps do the same job, each with live status, so your payment need not wait.
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Unofficial status from automated checks & user reports. Not affiliated with UPI / NPCI. Status may be inaccurate, confirm on the official site.