UPI error IC: Debit amount not blocked
Raised by: Bank / PSP. Source: NPCI, UPI Error and Response Codes v2.9, section 3.1, codes populated by banks and PSPs.
What it means
The bank was asked to debit money that should already have been blocked (reserved) in the account, but no block was found. This applies to block-based payments such as single-block-multiple-debit mandates.
Not fully documented: NPCI's list doesn't name the products that use blocked amounts; banks apply it to block-based mandates.
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 T+1 for a transfer to a person, or T+5 for a payment to a merchant.
Payer's bank.
Business: the systems worked and declined the payment.
What you should do
Check the mandate or block in your UPI app. If the block was released or expired, set it up again.
If you are a merchant, bank or PSP
Debit against a block only after confirming the block is active and covers the amount.
UPI error IC kya hai?
IC ka matlab hai jis amount ko block hona chahiye tha wo block nahi mila.
Related codes
If it still isn't sorted
- Raise a complaint inside your UPI app. Every UPI app has a help or dispute option on the transaction, and it goes into NPCI's online dispute system. Keep the UPI transaction ID or RRN handy.
- 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.
Technical or business decline?
NPCI splits declines into two kinds. A technical decline means a system didn't respond or failed: a bank offline, a timeout, a switch error. A business decline means the systems worked and said no, for a reason about the account or the payment: wrong PIN, not enough money, a limit, a risk check. Retrying helps with some technical declines and almost never with business ones.