Active Disputes (1):

SYNTH-TX-109P2M (Merchant)Auto-Reversal In ProgressDO NOT RETRY

Indian Oil Fuel [SYNTHETIC]

VPA: indianoil.pump@sbi • Bank UTR: 908234120919

Initiated: 01 Oct 2026, 01:40 pm•Elapsed: 19 mins ago•Routing: Punjab National Bank → State Bank of India

Transaction Amount₹2,100

Debited from Punjab National Bank

Deterministic Recovery Guidance

Strict Directive: DO NOT RETRYRule: RULE_07_AUTO_REVERSAL_IN_PROGRESS

Payment Failed - Auto-Reversal Initiated

Money was debited but the switch failed. Funds will be refunded to your account.

What We Know

₹2,100 was deducted by Punjab National Bank.
NPCI Switch recorded a terminal routing failure.
Beneficiary bank (State Bank of India) did not receive any money.
Bank Reference (UTR): 908234120919

What Remains Uncertain

Exact bank batch cycle at which remitter will credit the reversal to your statement.

Recommended Next Step

Track Refund to Bank Account

Your bank is processing an auto-reversal. As per RBI guidelines for merchant (P2M) transactions, refunds are mandated within T+5 business days.

Applicable Statutory Regulatory Mandate

RBI Circular

RBI Harmonisation of Turn Around Time (TAT) and Customer Compensation (RBI/2019-20/67 DPSS.CO.PD No.629/02.01.014/2019-20)

Applicable Clause:Table 5(b) - UPI Person to Merchant (P2M): Debited but merchant confirmation not received

Mandated Auto-Reversal TAT:T + 5 Business Days (Auto-reversal by remitter bank)

Delay Compensation Policy:₹100 per calendar day of delay beyond T + 5 days

Important Distinction: Statutory TAT is an official regulatory banking deadline and does not promise immediate instantaneous refund. It is separate from the app’s 15-minute UX cooldown.

Multi-Party Telemetry Breakdown

4-Party Clearing Rails

Debited

Remitter Bank (Payer)

Punjab National Bank

Issuing bank holding user account

Confirmed funds deduction of ₹2,100 from customer account.

remitterDebit = DEBITED

Terminal Failure

NPCI UPI Switch

NPCI Central Network

National payment switch & router

Switch routed terminal failure code (e.g. limit exceeded, route rejected).

npciSwitch = FAILED

Not Credited

Beneficiary Bank

State Bank of India

Receiving bank holding payee account

Payee bank confirmed zero funds received or credited.

beneficiaryCredit = NOT_CREDITED

Order Expired / Failed

Merchant POS / Soundbox

Indian Oil Fuel [SYNTHETIC]

Aggregator / Counter billing terminal

Merchant cart or counter POS timed out while waiting for soundbox notification.

merchantOrder = FAILED

* Multi-party signals modeled after UPI ISO 8583 / XML clearing protocol. 100% simulated synthetic telemetry.

Chronological Event Log

Multi-Party Event Timeline

Chronological sequence of synthetic network events and deterministic evaluation steps.

Recorded EventInferred State

Payment Request InitiatedSynthetic Event

01 Oct 2026, 01:40 pm

Source: UPI Client App (Synthetic)

Initiated transfer of ₹2,100 to Indian Oil Fuel [SYNTHETIC]. Assigned UPI UTR 908234120919.

Type: P2M

Remitter Debit ConfirmedSynthetic Event

Source: Punjab National Bank

Account debited ₹2,100 by Punjab National Bank. Debit authorization logged.

remitterDebit: DEBITED

Switch Terminal Failure RecordedSynthetic Event

Source: NPCI UPI Central Switch

Switch terminated transfer due to network or beneficiary gateway rejection code.

npciSwitch: FAILED

Beneficiary Bank Reports No CreditSynthetic Event

Source: State Bank of India

Receiving bank verified that zero funds were deposited into beneficiary account.

beneficiaryCredit: NOT_CREDITED

Merchant Terminal Order Expired / CancelledSynthetic Event

Source: Indian Oil Fuel [SYNTHETIC]

Merchant checkout session expired due to timeout.

merchantOrder: FAILED

Recovery Engine: AUTO_REVERSAL_IN_PROGRESSSynthetic Event

Source: Payment Status Recovery Engine

Payment Failed - Auto-Reversal Initiated

Rule: RULE_07_AUTO_REVERSAL_IN_PROGRESS | safeToRetry: false