Is money deducted with IMPS error REF?

Possibly. The final status wasn't confirmed when this code was raised. Check your statement before paying again. If the payment ends as failed, the money is due back by the next working day (T+1). Don't pay a second time until the status is final.

IMPS error codes / REF

IMPS response code

IMPS error REF: Transaction failed post recon

Bank descriptionTransaction failed Post recon FAILED

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 transaction was marked failed after reconciliation. Its first status may have looked different (for example pending), and reconciliation settled it as failed.

Not fully documented: The source doesn't say which reconciliation step sets REF.

Was money deducted?

Possibly. The final status wasn't confirmed when this code was raised. Check your statement before paying again.

When does the money come back?

If the payment ends as failed, the money is due back by the next working day (T+1). Don't pay a second time until the status is final.

Which side caused it?

Determined at reconciliation.

Bank guidance on retrying

Reinitiate with same CRN

If money left your account. 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 an IMPS transfer, the receiver's bank has until the next working day (T+1) to credit it or send the money back. After that the bank owes you ₹100 for every day of delay.

What you should do

If you were debited, the money should be reversed. If it isn't by the next working day, complain with the RRN.

If you run payouts or a bank integration

Update your ledger to failed and track the reversal.

IMPS error REF kya hai?

IMPS REF ka matlab hai reconciliation ke baad transaction fail mana gaya.

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.

See all 87 IMPS codes →