What happens when this goes wrong?
Every other page shows this payment working. Here you choose what breaks, and follow the damage — because a hold, a return or a missed cut-off is the system working as designed, and reading one calmly is the job.
Pick a failure above. Nothing here is invented — each one is a reason code this rail really uses, at the step where it really strikes.
This diagram shows one transfer between two banks with a single settlement cycle; in reality NPCI nets many banks' instant transfers together and settles those balances at the RBI on a schedule. Every failure here is authored on India IMPS — Immediate Payment Service, with the sources that back it.