IMPS error codes: full list with meanings
IMPS transfers that fail return a response code from the bank or NPCI's switch. Here are all 87 codes as published for IMPS host-to-host and API integrations, with the ones people hit most explained in plain English.
Most common codes
91Deemed approvedU8No response from Beneficiary Bank, Reversal in process08Host (CBS) offline12Invalid accountMJInvalid beneficiary IFSC code or NBINM1Invalid beneficiary mobile no/MASM2Amount limit exceededM3Account blocked/frozen
Was money deducted? Under RBI's turnaround-time rules (circular DPSS.CO.PD No.629/02.01.014/2019-20, 20 September 2019), if your account is debited but the receiver isn't credited on a UPI or IMPS transfer, the bank has until the next working day (T+1) to credit the receiver or send the money back. After that it owes you ₹100 for every day of delay.
All 87 IMPS codes
Showing all 87 codes.
| Code | Description | Status | Bank guidance |
|---|---|---|---|
| 00 | Successful | Success | |
| 08 | Host (Cbs) Offline | Failed | Reinitiate with same CRN |
| 12 | Invalid Account | Failed | Reinitiate with same CRN |
| 13 | Transaction decline (IAF) | Failed | Reinitiate with same CRN |
| 20 | Invalid response from beneficiary bank | Failed | Reinitiate with same CRN |
| 38 | Suspected Transaction | Failed | Reinitiate with same CRN |
| 40 | Requested function is not supported | Failed | Reinitiate with same CRN |
| 51 | Insufficient balance in pool A/C for bene bank | Failed | Reinitiate with same CRN |
| 57 | Transaction not permitted to account holder | Failed | Reinitiate with same CRN |
| 65 | Exceeds account limit | Failed | Reinitiate with same CRN |
| 90 | Transaction received after Cut Off | Failed | Reinitiate with same CRN |
| 91 | Deemed Approved | Pending | Do not re-initiate with the same CRN |
| 92 | No routing for institution/network | Failed | Reinitiate with same CRN |
| 94 | Duplicate transaction | Failed | Reinitiate with same CRN |
| 95 | Transaction Error -Please reprocess the transaction | Failed | Reinitiate with same CRN |
| 96 | Check Transaction Limit Exceeded | Failed | Reinitiate with same CRN |
| M0 | Verification Successful Orginal Trxn Declined | Failed | Reinitiate with same CRN |
| M1 | Invalid Beneficiary Mobile No/Mas | Failed | Reinitiate with same CRN |
| M2 | Amount Limit Exceeded | Failed | Reinitiate with same CRN |
| M3 | Account blocked/frozen | Failed | Reinitiate with same CRN |
| M4 | NRE account | Failed | Reinitiate with same CRN |
| M5 | Account closed | Failed | Reinitiate with same CRN |
| M6 | Limit exceeded for member bank | Failed | Reinitiate with same CRN |
| M7 | Invalid MPIN | Failed | Reinitiate with same CRN |
| MA | Transaction decline by Merchant | Failed | Reinitiate with same CRN |
| MC | Acquirer Bank does not support this transaction | Failed | Reinitiate with same CRN |
| MF | Request not sent to Merchant | Failed | Reinitiate with same CRN |
| MG | Transaction Not allowed | Failed | Reinitiate with same CRN |
| N0 | Transaction Failed due to no Connectivity | Failed | Reinitiate with same CRN |
| U8 | No response from Beneficiary Bank, Reversal in process | Failed | Reinitiate with same CRN |
| MJ | Invalid Beneficiary Ifsc Code Or Nbin | Failed | Reinitiate with same CRN |
| 04 | Transaction not allowed (Amount is greater than 2 lakhs) | Failed | Reinitiate with same CRN |
| 30 | Technical decline(IMT) | Failed | Reinitiate with same CRN |
| 34 | Suspected fraud | Failed | Reinitiate with same CRN |
| 52 | Invalid account (Credit not allowed to account type) | Failed | Reinitiate with same CRN |
| 61 | Exceeds Account Limit | Failed | Reinitiate with same CRN |
| MI | Customer Transaction. Limit Exceeded | Failed | Reinitiate with same CRN |
| MN | Foreign Inward Remittance Not Allowed | Failed | Reinitiate with same CRN |
| MQ | Transaction Not Allowed As Invalid Payment Reference | Failed | Reinitiate with same CRN |
| MR | Transaction Amount Less Than Rs.1 | Failed | Reinitiate with same CRN |
| MS | Transaction Not Allowed As Invalid Remitter Acc. No | Failed | Reinitiate with same CRN |
| MT | Transaction Not Allowed As General Error | Failed | Reinitiate with same CRN |
| MW | Foreign Inward Remittance For P2P Only | Failed | Reinitiate with same CRN |
| R51 | Insufficient funds in remitter A/C | Failed | Reinitiate with same CRN |
| R91 | Transaction is failed | Failed | Reinitiate with same CRN |
| RM1 | Transaction failed | Failed | Reinitiate with same CRN |
| 05 | Invalid Response from beneficiary bank | Failed | Reinitiate with same CRN |
| 10 | Invalid Response from beneficiary bank | Failed | Reinitiate with same CRN |
| 11 | Invalid Response from beneficiary bank | Failed | Reinitiate with same CRN |
| 22 | Transaction Not Allowed As Amount Is Greater Than 5 Lakhs | Failed | Reinitiate with same CRN |
| 75 | Invalid Response from beneficiary bank | Failed | Reinitiate with same CRN |
| 99 | Invalid Response from beneficiary bank | Failed | Reinitiate with same CRN |
| M8 | Invalid Response from beneficiary bank | Failed | Reinitiate with same CRN |
| NO | Invalid Response from beneficiary bank | Failed | Reinitiate with same CRN |
| REF | Transaction failed Post recon | Failed | Reinitiate with same CRN |
| 59 | Transactions Declined Basis Risk | Failed | Reinitiate with same CRN |
| RM0 | Original Request Not Found | Failed | Reinitiate with same CRN |
| RET | RET | Failed | Reinitiate with same CRN |
| FLD | FLD | Failed | Reinitiate with same CRN |
| 14 | Invalid response from beneficiary Bank | Failed | Reinitiate with same CRN |
| 54 | Invalid response code from beneficiary bank | Failed | Reinitiate with same CRN |
| XU | CUT-OFF IS IN PROCESS (BENEFICIARY) | Failed | Reinitiate with same CRN |
| 01 | Invalid response code from beneficiary bank | Failed | Reinitiate with same CRN |
| XD | Invalid Amount Field | Failed | Reinitiate with same CRN |
| 24 | Insufficent Balance In Pool A/C | Failed | Reinitiate with same CRN |
| XC | Invalid Transaction | Failed | Reinitiate with same CRN |
| FR | Falcon Declined transaction | Failed | Reinitiate with same CRN |
| E15 | Invalid Response Code | Failed | Reinitiate with same CRN |
| UB | Unable to Process | Failed | Reinitiate with same CRN |
| XF | Invalid Message | Failed | Reinitiate with same CRN |
| ZI | Suspected Fraud | Failed | Reinitiate with same CRN |
| 78 | Transfer Amount Exceeds Limit | Failed | Reinitiate with same CRN |
| 77 | Transactions Declined Basis Risk | Failed | Reinitiate with same CRN |
| CU | HOST (CBS) OFFLINE | Failed | Reinitiate with same CRN |
| 07 | INVALID RESPONSE CODE | Failed | Reinitiate with same CRN |
| 39 | UNABLE TO PROCESS | Failed | Reinitiate with same CRN |
| RMP | REQUEST PARAMETER MISSING | Failed | Reinitiate with same CRN |
| PEN | PENDING | Pending | |
| RCA | Chargeback Accept | Failed | Reinitiate with same CRN |
| RCR | Chargeback Re-presentment | Success | |
| NF | System malfunction | Failed | Reinitiate with same CRN |
| YD | Do Not Honour (Beneficiary) | Failed | Reinitiate with same CRN |
| MP | Benificary Bank Not Enable For Do not reinitiate with same P2A CRN | Failed | |
| 55 | High Severity Memo (Hsm) Do not reinitiate with same Present On The Account CRN | Failed | |
| 53 | Beneficiary Account Not Enabled For Inr Currency | Failed | Reinitiate with same CRN |
| 17 | Exceeds Account Limit at Beneficiary Account | Failed | Reinitiate with same CRN |
| IU | Issuer node offline | Failed |
Source: Axis Bank, IMPS Response Codes for H2H/API. These are NPCI IMPS response codes; other banks use the same codes but may word them differently.
Also see: UPI error codes. Building payouts? ZyroAI IMPS Stack.