UPI error codes / U02
UPI response code

UPI error U02: Amount cap exceeded

Official NPCI descriptionAMOUNT CAP IS EXCEEDED BUSINESS

Raised by: NPCI UPI switch. Source: NPCI, UPI Error and Response Codes v2.9, section 4.4, errors from the UPI service layer.

What it means

The amount is above a cap that NPCI's switch enforces, such as the per-transaction limit for this transaction type.

Not fully documented: NPCI's code list doesn't say which cap; limits are set in separate NPCI circulars.

Was money deducted?

No. This decline happens before your account is debited.

When does the money come back?

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.

Which side caused it?

NPCI's UPI switch.

Type of decline

Business: the systems worked and declined the payment.

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 payment fails, the money must come back by the next working day (T+1) for a transfer to a person, or within T+5 days for a payment to a merchant. After that the bank owes you ₹100 for every day of delay.

What you should do

Pay a smaller amount, or split the payment if the receiver agrees. Limits differ by transaction type and category.

If you are a merchant, bank or PSP

Check the amount against NPCI's current per-transaction limits for the category and purpose code.

UPI error U02 kya hai?

U02 ka matlab hai amount UPI ki limit se zyada hai; chhota amount bhejein.

Related codes

U03Net debit cap exceededZ8Per-transaction limit exceededZ7Transaction frequency limit exceededFLFirst transaction limit exceededZULimit exceeded for remitting bank

If it still isn't sorted

  1. 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.
  2. If the app doesn't resolve it, contact your bank's grievance desk with the same reference.
  3. 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.

See all 216 UPI error codes →