UPI error codes / VC
UPI response code

UPI error VC: Incorrect recurrence pattern rule

Official NPCI descriptionINCORRECT RECURRENCE PATTERN RULE BUSINESS

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 rule attached to the mandate's recurrence pattern is not valid. For example the debit isn't on, before or after the day the mandate allows.

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?

Payer's bank, checking the mandate.

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

Check the mandate in your UPI app's AutoPay or mandates section. If it's wrong, cancel it and set it up again, or ask the merchant to send a new mandate request.

If you are a merchant, bank or PSP

Don't retry the debit. Fix the mandate first: check its status with the payer's bank and send a fresh mandate request if needed.

UPI error VC kya hai?

VC ka matlab hai mandate ke recurrence rule mein galti hai.

Related codes

VBIncorrect recurrence patternVIExecution day and rule mismatchVDIncorrect amount ruleVUMandate has expiredVAMandate has been revoked

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 →