IMPS error 92: No routing for institution or network
Source: Axis Bank, IMPS Response Codes for H2H/API. These are IMPS response codes as one bank publishes them; other banks use the same codes but may word them differently.
What it means
The network couldn't route the transfer to the receiver's bank: there's no route for that institution.
No. This decline happens before your account is debited.
Nothing to refund in the normal case. If a debit does show on your statement, the bank must reverse it by the next working day (T+1).
Network routing (NPCI or the sponsor bank).
Reinitiate with same CRN
What you should do
Check the IFSC. The receiver's bank may not be live on IMPS; try NEFT instead.
If you run payouts or a bank integration
Check the beneficiary bank's IMPS live status and your IFSC mapping.
IMPS error 92 kya hai?
IMPS 92 ka matlab hai receiver ke bank tak route nahi mila.
Related codes
IMPS in brief
IMPS moves money between banks instantly, at any hour, on any day. Transfers go either by account number and IFSC, or by mobile number and MMID. The network limit is ₹5 lakh per transaction, though your bank can set a lower one, which is why codes like 04 and 22 exist.
Checking what happened
Open the transaction in your bank app or net banking and note its RRN, the 12-digit reference number also sent by SMS. The receiver's bank can trace the transfer with it, and you'll need it for any complaint. If the status says pending or deemed approved, wait for the final status before sending the money again.
If it still isn't sorted
- Raise a complaint inside your banking app. Quote the RRN from your statement or SMS.
- If the app doesn't resolve it, contact your bank's grievance desk with the same reference.
- If your bank hasn't replied within 30 days, or you're not happy with the reply, complain to the RBI Ombudsman at cms.rbi.org.in. It's free.