UPI error LC: Credit from bank pool account failed
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 couldn't credit the money out of its own pool or BGL (bank general ledger) account. This is the bank's internal settlement account, not the customer's account.
Possibly. UPI debits the payer first and credits the receiver second, so a failure on the receiver's side can leave a debit that has to be reversed.
If you were debited, the reversal is automatic and due by T+1 for a transfer to a person, or T+5 for a payment to a merchant. After that the bank owes you ₹100 a day.
Bank: a problem in its internal accounts.
Business: the systems worked and declined the payment.
What you should do
If you were paying and your account was debited, the money should come back. If you were receiving, ask your bank to check.
If you are a merchant, bank or PSP
Raise it with the bank's operations team. LC points to the pool/BGL account, not to the customer.
UPI error LC kya hai?
LC ka matlab hai bank apne pool account se credit nahi kar paya.
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.