UPI error codes / Y1
UPI error Y1: Beneficiary CBS offline
Official NPCI descriptionBENEFICIARY CBS OFFLINE TECHNICAL
Raised by: Receiver's bank. Source: NPCI, UPI Error and Response Codes v2.9.
What it means
The receiver's core banking system was offline.
Was money deducted?
Usually not debited. If it was, it's reversed.
Type of decline
Technical: a system didn't respond or failed.
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 a UPI or IMPS transfer, the bank has until the next working day (T+1) to credit the receiver or send the money back. After that it owes you ₹100 for every day of delay.
What you should do
Try later. The problem is on the receiver's bank, not yours.
If you run a payments business
Same handling as XY, on the beneficiary side.
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.