UPI error code · Bank down
UPI error Y1: Beneficiary CBS offline
The payee bank's core system is offline, so the credit cannot post.
Apps may show it as: “beneficiary cbs”, “payee bank down”
- Who declined it
- Payee's bank
- Type
- Bank down
- Money debited?
- If debited, auto-reversal applies
- Refund
- If the payer was debited: auto-reversal by T+1 / T+5
Is money deducted on UPI error Y1?
If debited, auto-reversal applies. If the payer was debited: auto-reversal by T+1 / T+5. Copy the 12-digit UTR and do not pay the same bill again while it is pending.
If the bank SMS shows a debit but the payee was not paid, RBI requires auto-reversal by T+1 working day for transfers and T+5 for merchant payments, with ₹100 a day compensation after that. See the refund timelines.
How to fix UPI error Y1
Merchant: check with the settlement bank. Customer: keep the UTR and do not retry until reversal or credit.
Shopkeepers: is Y1 a problem with my QR?
If your bank's CBS is down, all incoming UPI will fail. Announce cash/alternate VPA.
Never release goods on a green screenshot alone. Match the UTR in your bank SMS, ledger or soundbox.
If it keeps failing
- Open the failed payment in the app and copy the 12-digit UTR.
- Use Raise issue or Check status in the app first.
- Then call your bank with the UTR, amount and time. NPCI's UPI helpdesk is 1800-120-1740.
- After 30 days without a fix, complain on the RBI ombudsman portal, cms.rbi.org.in.
Related error codes
Last reviewed 26 August 2026. Meaning based on: Decentro. Apps word codes differently, so if your bank describes Y1 another way, trust the bank and keep the UTR.
Sources: PhonePe Payment Gateway error codes · Zerodha NPCI UPI reason codes · RBI TAT for failed UPI (DPSS.CO.PD No.629/02.01.014/2019-20)