{
  "format": "india-by-the-numbers.series.v1",
  "id": "payments/reliability",
  "name": "UPI bank approval and decline rates",
  "hub": "Payments",
  "topic": "Bank reliability",
  "moduleIds": [
    "reliability"
  ],
  "url": "https://data.indiadispatch.com/payments/upi-bank-declines",
  "period": "August 2026",
  "periodKey": "2026-08",
  "latest": {
    "formattedValue": "88.6%",
    "supportingFigures": "Sending-bank approval rate for Baroda U.P. Bank."
  },
  "source": {
    "name": "National Payments Corporation of India",
    "url": "https://www.npci.org.in/product/upi/product-statistics"
  },
  "numericValue": 88.6,
  "unit": "percent",
  "measure": "approved_percent",
  "cadence": "Monthly",
  "version": "77b0f7115ba5693624d646304f7249092dbfd3651a01546cb8b40c98232c40ac",
  "dateModified": "2026-10-05T05:33:24.257Z",
  "coverage": "2026-08",
  "notes": [
    "The table retains the source’s published periods. Missing observations are not zero and have not been interpolated.",
    "Sending and receiving banks retain their separately reported periods. Business and technical declines are distinct causes."
  ],
  "license": {
    "name": "Creative Commons Attribution 4.0 International",
    "url": "https://creativecommons.org/licenses/by/4.0/",
    "scope": "India Dispatch's original compiled tables and editorial text"
  },
  "sourceRights": "Underlying source publishers retain their own rights. This license does not grant rights to publisher documents, branding or other third-party material.",
  "attribution": "India by the numbers, UPI bank approval and decline rates, August 2026, https://data.indiadispatch.com/payments/upi-bank-declines. Source: National Payments Corporation of India.",
  "valueRepresentation": "Table cells are the publication's formatted observations, with units retained. Missing observations are not zero. Numeric latest amounts, where present, are separately labelled INR and USD.",
  "tables": [
    {
      "title": "Sending banks",
      "temporalCoverage": "2026-08",
      "columns": [
        "Name",
        "Transactions",
        "Approved",
        "Business decline",
        "Technical decline"
      ],
      "rows": [
        {
          "id": "Baroda U.P. Bank",
          "cells": [
            "Baroda U.P. Bank",
            "109.67 million",
            "88.6%",
            "8.96%",
            "2.44%"
          ]
        },
        {
          "id": "Central Bank of India",
          "cells": [
            "Central Bank of India",
            "478.28 million",
            "84.06%",
            "13.6%",
            "2.34%"
          ]
        },
        {
          "id": "Punjab and Sind Bank",
          "cells": [
            "Punjab and Sind Bank",
            "76.94 million",
            "85.18%",
            "12.88%",
            "1.95%"
          ]
        },
        {
          "id": "Maharashtra Gramin Bank",
          "cells": [
            "Maharashtra Gramin Bank",
            "45.87 million",
            "84.4%",
            "14.36%",
            "1.23%"
          ]
        },
        {
          "id": "Rajasthan Marudhara Gramin Bank",
          "cells": [
            "Rajasthan Marudhara Gramin Bank",
            "78.46 million",
            "83.38%",
            "15.44%",
            "1.18%"
          ]
        },
        {
          "id": "NSDL Payments Bank Limited",
          "cells": [
            "NSDL Payments Bank Limited",
            "85.06 million",
            "75.87%",
            "22.96%",
            "1.17%"
          ]
        },
        {
          "id": "Kerala Gramin Bank",
          "cells": [
            "Kerala Gramin Bank",
            "68.61 million",
            "91.87%",
            "7.29%",
            "0.84%"
          ]
        },
        {
          "id": "ESAF Small Finance Bank Ltd",
          "cells": [
            "ESAF Small Finance Bank Ltd",
            "41.09 million",
            "90.6%",
            "8.63%",
            "0.77%"
          ]
        },
        {
          "id": "Sarva Haryana Gramin Bank",
          "cells": [
            "Sarva Haryana Gramin Bank",
            "33.23 million",
            "87.53%",
            "11.79%",
            "0.68%"
          ]
        },
        {
          "id": "Canara Bank",
          "cells": [
            "Canara Bank",
            "1.28 billion",
            "90.23%",
            "9.12%",
            "0.65%"
          ]
        },
        {
          "id": "Bandhan Bank Limited",
          "cells": [
            "Bandhan Bank Limited",
            "110.42 million",
            "92.71%",
            "6.7%",
            "0.59%"
          ]
        },
        {
          "id": "Telangana Grameena Bank",
          "cells": [
            "Telangana Grameena Bank",
            "56.38 million",
            "87.03%",
            "12.4%",
            "0.57%"
          ]
        },
        {
          "id": "Federal Bank Ltd.",
          "cells": [
            "Federal Bank Ltd.",
            "312.6 million",
            "89.64%",
            "9.8%",
            "0.55%"
          ]
        },
        {
          "id": "Saraswat Co-operative Bank",
          "cells": [
            "Saraswat Co-operative Bank",
            "36.43 million",
            "92.75%",
            "6.78%",
            "0.47%"
          ]
        },
        {
          "id": "Tamilnad Mercantile Bank Limited",
          "cells": [
            "Tamilnad Mercantile Bank Limited",
            "72.54 million",
            "90.91%",
            "8.73%",
            "0.36%"
          ]
        },
        {
          "id": "Fino Payments Bank Ltd.",
          "cells": [
            "Fino Payments Bank Ltd.",
            "303.47 million",
            "76.37%",
            "23.28%",
            "0.35%"
          ]
        },
        {
          "id": "Indian Bank",
          "cells": [
            "Indian Bank",
            "868.94 million",
            "88.19%",
            "11.47%",
            "0.34%"
          ]
        },
        {
          "id": "Indusind Bank Ltd.",
          "cells": [
            "IndusInd Bank Ltd.",
            "275.94 million",
            "84.64%",
            "15.02%",
            "0.34%"
          ]
        },
        {
          "id": "Jio Payments Bank Ltd",
          "cells": [
            "Jio Payments Bank Ltd",
            "101.65 million",
            "78.02%",
            "21.64%",
            "0.34%"
          ]
        },
        {
          "id": "Karnataka Gramin Bank",
          "cells": [
            "Karnataka Gramin Bank",
            "67.33 million",
            "87.91%",
            "11.86%",
            "0.23%"
          ]
        },
        {
          "id": "Ujjivan Small Finance Bank Limited",
          "cells": [
            "Ujjivan Small Finance Bank Limited",
            "70.35 million",
            "85.77%",
            "14.02%",
            "0.21%"
          ]
        },
        {
          "id": "Equitas Small Finance Bank",
          "cells": [
            "Equitas Small Finance Bank",
            "31.34 million",
            "86.76%",
            "13.02%",
            "0.21%"
          ]
        },
        {
          "id": "Union Bank of India",
          "cells": [
            "Union Bank of India",
            "1.6 billion",
            "89.49%",
            "10.32%",
            "0.2%"
          ]
        },
        {
          "id": "Karur Vysya Bank",
          "cells": [
            "Karur Vysya Bank",
            "117.08 million",
            "92.19%",
            "7.61%",
            "0.2%"
          ]
        },
        {
          "id": "IDBI Bank Ltd.",
          "cells": [
            "IDBI Bank Ltd.",
            "243.24 million",
            "90.59%",
            "9.21%",
            "0.19%"
          ]
        },
        {
          "id": "The South Indian Bank Limited",
          "cells": [
            "The South Indian Bank Limited",
            "91.45 million",
            "92.98%",
            "6.84%",
            "0.18%"
          ]
        },
        {
          "id": "Chaitanya Godavari Grameena Bank",
          "cells": [
            "Chaitanya Godavari Grameena Bank",
            "57.58 million",
            "89.33%",
            "10.5%",
            "0.16%"
          ]
        },
        {
          "id": "DBS Bank India Limited",
          "cells": [
            "DBS Bank India Limited",
            "33.15 million",
            "90.28%",
            "9.56%",
            "0.16%"
          ]
        },
        {
          "id": "UCO Bank",
          "cells": [
            "UCO Bank",
            "373.51 million",
            "87.38%",
            "12.49%",
            "0.14%"
          ]
        },
        {
          "id": "Karnataka Bank Ltd.",
          "cells": [
            "Karnataka Bank Ltd.",
            "171.82 million",
            "89.3%",
            "10.56%",
            "0.14%"
          ]
        },
        {
          "id": "India Post Payments Bank Limited",
          "cells": [
            "India Post Payments Bank Limited",
            "950.23 million",
            "81.42%",
            "18.44%",
            "0.13%"
          ]
        },
        {
          "id": "Airtel Payments Bank Limited",
          "cells": [
            "Airtel Payments Bank Limited",
            "804.88 million",
            "73.3%",
            "26.58%",
            "0.12%"
          ]
        },
        {
          "id": "Bank Of India",
          "cells": [
            "Bank Of India",
            "791.93 million",
            "90.62%",
            "9.26%",
            "0.12%"
          ]
        },
        {
          "id": "Punjab National Bank",
          "cells": [
            "Punjab National Bank",
            "1.54 billion",
            "88.81%",
            "11.08%",
            "0.11%"
          ]
        },
        {
          "id": "State Bank of India",
          "cells": [
            "State Bank of India",
            "6.85 billion",
            "90.78%",
            "9.11%",
            "0.1%"
          ]
        },
        {
          "id": "Yes Bank Ltd.",
          "cells": [
            "Yes Bank Ltd.",
            "178.17 million",
            "92.02%",
            "7.88%",
            "0.1%"
          ]
        },
        {
          "id": "The Jammu & Kashmir Bank Limited",
          "cells": [
            "The Jammu & Kashmir Bank Limited",
            "134.16 million",
            "92.34%",
            "7.57%",
            "0.08%"
          ]
        },
        {
          "id": "AU small Finance Bank",
          "cells": [
            "AU Small Finance Bank",
            "104.43 million",
            "85.48%",
            "14.44%",
            "0.08%"
          ]
        },
        {
          "id": "City Union Bank",
          "cells": [
            "City Union Bank",
            "67.95 million",
            "91.23%",
            "8.7%",
            "0.07%"
          ]
        },
        {
          "id": "Indian Overseas Bank",
          "cells": [
            "Indian Overseas Bank",
            "483.83 million",
            "90.29%",
            "9.65%",
            "0.06%"
          ]
        },
        {
          "id": "Bank of Maharashtra",
          "cells": [
            "Bank of Maharashtra",
            "274.23 million",
            "90.49%",
            "9.45%",
            "0.06%"
          ]
        },
        {
          "id": "Bank of Baroda",
          "cells": [
            "Bank of Baroda",
            "1.83 billion",
            "86.18%",
            "13.79%",
            "0.04%"
          ]
        },
        {
          "id": "ICICI Bank Ltd.",
          "cells": [
            "ICICI Bank Ltd.",
            "829.39 million",
            "95.14%",
            "4.83%",
            "0.03%"
          ]
        },
        {
          "id": "IDFC Bank Ltd.",
          "cells": [
            "IDFC Bank Ltd.",
            "180.56 million",
            "92.63%",
            "7.34%",
            "0.03%"
          ]
        },
        {
          "id": "slice Small Finance Bank Limited",
          "cells": [
            "slice Small Finance Bank Limited",
            "111.85 million",
            "94.25%",
            "5.72%",
            "0.03%"
          ]
        },
        {
          "id": "Kotak Mahindra Bank",
          "cells": [
            "Kotak Mahindra Bank",
            "1.21 billion",
            "88.72%",
            "11.26%",
            "0.02%"
          ]
        },
        {
          "id": "HDFC Bank Ltd.",
          "cells": [
            "HDFC Bank Ltd.",
            "1.79 billion",
            "93.07%",
            "6.93%",
            "0%"
          ]
        },
        {
          "id": "Axis Bank Ltd.",
          "cells": [
            "Axis Bank Ltd.",
            "1.07 billion",
            "92.81%",
            "7.19%",
            "0%"
          ]
        },
        {
          "id": "Tri O Tech Solutions Private Limited",
          "cells": [
            "Tri O Tech Solutions Private Limited",
            "219.49 million",
            "100%",
            "0%",
            "0%"
          ]
        },
        {
          "id": "One Mobikwik Systems Limited",
          "cells": [
            "One Mobikwik Systems Limited",
            "30.04 million",
            "100%",
            "0%",
            "0%"
          ]
        }
      ]
    },
    {
      "title": "Receiving banks",
      "temporalCoverage": "2026-08",
      "columns": [
        "Name",
        "Transactions",
        "Approved",
        "Business decline",
        "Technical decline"
      ],
      "rows": [
        {
          "id": "Punjab and Sind Bank",
          "cells": [
            "Punjab and Sind Bank",
            "31.99 million",
            "97.06%",
            "0.62%",
            "2.32%"
          ]
        },
        {
          "id": "Baroda U.P. Bank",
          "cells": [
            "Baroda U.P. Bank",
            "57.07 million",
            "97.66%",
            "0.35%",
            "1.99%"
          ]
        },
        {
          "id": "Central Bank of India",
          "cells": [
            "Central Bank of India",
            "198.72 million",
            "96.83%",
            "1.38%",
            "1.79%"
          ]
        },
        {
          "id": "Dakshin Bihar Gramin Bank (Erstwhile Madhya Bihar Gramin Bank)",
          "cells": [
            "Dakshin Bihar Gramin Bank (Erstwhile Madhya Bihar Gramin Bank)",
            "18.79 million",
            "98.22%",
            "0.38%",
            "1.4%"
          ]
        },
        {
          "id": "Maharashtra Gramin Bank",
          "cells": [
            "Maharashtra Gramin Bank",
            "19.29 million",
            "98.71%",
            "0.24%",
            "1.05%"
          ]
        },
        {
          "id": "Canara Bank",
          "cells": [
            "Canara Bank",
            "563.76 million",
            "98.9%",
            "0.3%",
            "0.79%"
          ]
        },
        {
          "id": "Kerala Gramin Bank",
          "cells": [
            "Kerala Gramin Bank",
            "38.99 million",
            "99.2%",
            "0.13%",
            "0.67%"
          ]
        },
        {
          "id": "NSDL Payments Bank Limited",
          "cells": [
            "NSDL Payments Bank Limited",
            "122.74 million",
            "95.82%",
            "3.54%",
            "0.64%"
          ]
        },
        {
          "id": "Karnataka Gramin Bank",
          "cells": [
            "Karnataka Gramin Bank",
            "30.27 million",
            "98.83%",
            "0.57%",
            "0.6%"
          ]
        },
        {
          "id": "Bandhan Bank Limited",
          "cells": [
            "Bandhan Bank Limited",
            "64.04 million",
            "99.2%",
            "0.24%",
            "0.56%"
          ]
        },
        {
          "id": "Rajasthan Marudhara Gramin Bank",
          "cells": [
            "Rajasthan Marudhara Gramin Bank",
            "31.92 million",
            "98.68%",
            "0.81%",
            "0.52%"
          ]
        },
        {
          "id": "Tamilnad Mercantile Bank Limited",
          "cells": [
            "Tamilnad Mercantile Bank Limited",
            "45.01 million",
            "98.85%",
            "0.73%",
            "0.42%"
          ]
        },
        {
          "id": "Telangana Grameena Bank",
          "cells": [
            "Telangana Grameena Bank",
            "23.71 million",
            "99.33%",
            "0.31%",
            "0.36%"
          ]
        },
        {
          "id": "Bank of Maharashtra",
          "cells": [
            "Bank of Maharashtra",
            "95.17 million",
            "99.14%",
            "0.53%",
            "0.32%"
          ]
        },
        {
          "id": "Indian Bank",
          "cells": [
            "Indian Bank",
            "347.96 million",
            "99.5%",
            "0.24%",
            "0.26%"
          ]
        },
        {
          "id": "Indian Overseas Bank",
          "cells": [
            "Indian Overseas Bank",
            "194.77 million",
            "99.38%",
            "0.37%",
            "0.25%"
          ]
        },
        {
          "id": "Jana Small Finance Bank Ltd",
          "cells": [
            "Jana Small Finance Bank Ltd",
            "19.25 million",
            "99.48%",
            "0.27%",
            "0.25%"
          ]
        },
        {
          "id": "IDBI Bank Ltd.",
          "cells": [
            "IDBI Bank Ltd.",
            "90.63 million",
            "99.25%",
            "0.52%",
            "0.22%"
          ]
        },
        {
          "id": "Karnataka Bank Ltd.",
          "cells": [
            "Karnataka Bank Ltd.",
            "69.15 million",
            "99.32%",
            "0.46%",
            "0.22%"
          ]
        },
        {
          "id": "Fino Payments Bank Ltd.",
          "cells": [
            "Fino Payments Bank Ltd.",
            "91.11 million",
            "93.15%",
            "6.64%",
            "0.21%"
          ]
        },
        {
          "id": "India Post Payments Bank Limited",
          "cells": [
            "India Post Payments Bank Limited",
            "418.52 million",
            "98.71%",
            "1.09%",
            "0.19%"
          ]
        },
        {
          "id": "UCO Bank",
          "cells": [
            "UCO Bank",
            "152.16 million",
            "99.55%",
            "0.28%",
            "0.17%"
          ]
        },
        {
          "id": "Federal Bank Ltd.",
          "cells": [
            "Federal Bank Ltd.",
            "351.12 million",
            "99.6%",
            "0.24%",
            "0.16%"
          ]
        },
        {
          "id": "Union Bank of India",
          "cells": [
            "Union Bank of India",
            "586.32 million",
            "99.69%",
            "0.16%",
            "0.15%"
          ]
        },
        {
          "id": "City Union Bank",
          "cells": [
            "City Union Bank",
            "34.65 million",
            "99.58%",
            "0.27%",
            "0.15%"
          ]
        },
        {
          "id": "One Mobikwik Systems Limited",
          "cells": [
            "One Mobikwik Systems Limited",
            "73.45 million",
            "99.85%",
            "0.01%",
            "0.14%"
          ]
        },
        {
          "id": "The South Indian Bank Limited",
          "cells": [
            "The South Indian Bank Limited",
            "56.01 million",
            "99.67%",
            "0.2%",
            "0.13%"
          ]
        },
        {
          "id": "Ujjivan Small Finance Bank Limited",
          "cells": [
            "Ujjivan Small Finance Bank Limited",
            "31.77 million",
            "99.61%",
            "0.26%",
            "0.13%"
          ]
        },
        {
          "id": "Indusind Bank Ltd.",
          "cells": [
            "IndusInd Bank Ltd.",
            "203.99 million",
            "99.18%",
            "0.71%",
            "0.12%"
          ]
        },
        {
          "id": "AU small Finance Bank",
          "cells": [
            "AU Small Finance Bank",
            "45.29 million",
            "99.08%",
            "0.82%",
            "0.1%"
          ]
        },
        {
          "id": "Chaitanya Godavari Grameena Bank",
          "cells": [
            "Chaitanya Godavari Grameena Bank",
            "27.85 million",
            "99.41%",
            "0.49%",
            "0.1%"
          ]
        },
        {
          "id": "Bank Of India",
          "cells": [
            "Bank Of India",
            "323.66 million",
            "98.73%",
            "1.18%",
            "0.09%"
          ]
        },
        {
          "id": "Punjab National Bank",
          "cells": [
            "Punjab National Bank",
            "625.45 million",
            "99.54%",
            "0.38%",
            "0.08%"
          ]
        },
        {
          "id": "Jio Payments Bank Ltd",
          "cells": [
            "Jio Payments Bank Ltd",
            "80.27 million",
            "97.55%",
            "2.37%",
            "0.08%"
          ]
        },
        {
          "id": "Karur Vysya Bank",
          "cells": [
            "Karur Vysya Bank",
            "51.52 million",
            "99.73%",
            "0.19%",
            "0.08%"
          ]
        },
        {
          "id": "RBL Bank Ltd.",
          "cells": [
            "RBL Bank Ltd.",
            "55.66 million",
            "99.82%",
            "0.11%",
            "0.07%"
          ]
        },
        {
          "id": "ICICI Bank Ltd.",
          "cells": [
            "ICICI Bank Ltd.",
            "451.18 million",
            "99.49%",
            "0.46%",
            "0.05%"
          ]
        },
        {
          "id": "The Jammu & Kashmir Bank Limited",
          "cells": [
            "The Jammu & Kashmir Bank Limited",
            "74.32 million",
            "99.18%",
            "0.78%",
            "0.05%"
          ]
        },
        {
          "id": "slice Small Finance Bank Limited",
          "cells": [
            "slice Small Finance Bank Limited",
            "55.04 million",
            "93.77%",
            "6.18%",
            "0.05%"
          ]
        },
        {
          "id": "State Bank of India",
          "cells": [
            "State Bank of India",
            "2.44 billion",
            "99.75%",
            "0.21%",
            "0.04%"
          ]
        },
        {
          "id": "Airtel Payments Bank Limited",
          "cells": [
            "Airtel Payments Bank Limited",
            "592.8 million",
            "95.69%",
            "4.26%",
            "0.04%"
          ]
        },
        {
          "id": "Citibank Corporate",
          "cells": [
            "Citibank Corporate",
            "23.61 million",
            "99.16%",
            "0.81%",
            "0.04%"
          ]
        },
        {
          "id": "Kotak Mahindra Bank",
          "cells": [
            "Kotak Mahindra Bank",
            "502.93 million",
            "99.26%",
            "0.7%",
            "0.03%"
          ]
        },
        {
          "id": "Tri O Tech Solutions Private Limited",
          "cells": [
            "Tri O Tech Solutions Private Limited",
            "98.19 million",
            "98.85%",
            "1.13%",
            "0.03%"
          ]
        },
        {
          "id": "IDFC Bank Ltd.",
          "cells": [
            "IDFC Bank Ltd.",
            "60.02 million",
            "98.71%",
            "1.26%",
            "0.03%"
          ]
        },
        {
          "id": "HDFC Bank Ltd.",
          "cells": [
            "HDFC Bank Ltd.",
            "1.23 billion",
            "99.69%",
            "0.29%",
            "0.02%"
          ]
        },
        {
          "id": "Bank of Baroda",
          "cells": [
            "Bank of Baroda",
            "649.87 million",
            "99.61%",
            "0.37%",
            "0.02%"
          ]
        },
        {
          "id": "Unity Small Finance Bank Limited",
          "cells": [
            "Unity Small Finance Bank Limited",
            "319.11 million",
            "99.98%",
            "0%",
            "0.02%"
          ]
        },
        {
          "id": "Yes Bank Ltd.",
          "cells": [
            "Yes Bank Ltd.",
            "10 billion",
            "99.99%",
            "0%",
            "0.01%"
          ]
        },
        {
          "id": "Axis Bank Ltd.",
          "cells": [
            "Axis Bank Ltd.",
            "2.48 billion",
            "99.85%",
            "0.15%",
            "0%"
          ]
        }
      ]
    }
  ],
  "downloads": {
    "json": "https://data.indiadispatch.com/data/series/payments/upi-bank-declines.json",
    "csv": "https://data.indiadispatch.com/data/series/payments/upi-bank-declines.csv"
  },
  "publicationArchive": "https://data.indiadispatch.com/archive/payments/upi-bank-declines"
}