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 payment settling gross in central-bank money. Real RTGS operation depends on intraday liquidity management and queue handling across the day, and on the 24x7x365 availability RTGS has had since 14 December 2020. Every failure here is authored on An India RTGS transfer (Reserve Bank of India), with the sources that back it.