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.
One transfer, one half-hourly settlement cycle. Real NEFT nets thousands of payments across many banks in each of its 48 daily cycles, and some banks reach NEFT through a sponsor rather than directly. Every failure here is authored on India NEFT, with the sources that back it.