1. Wrong IFSC Entered
- Check transaction status immediately in your banking app.
- If status is pending, contact your bank support and provide UTR/reference ID.
- If transfer failed, amount is generally auto-reversed within bank timelines.
2. Transfer Pending for Long Time
- Verify if transaction was made near cutoff windows or bank holidays.
- Check if beneficiary was newly added and still under cooling period.
- Track UTR/reference ID through your bank support team.
3. Failed Transfer but Amount Debited
- Do not repeat high-value transfer immediately.
- Wait for auto-reversal as per bank SLA and monitor statement.
- Raise dispute with timestamp, amount, and transaction reference if reversal delays.
4. Prevention Checklist
- Verify IFSC and account number from official sources.
- Use small trial transfer before large amount.
- Save recipient details only after successful first transaction.
For bank-specific windows, see bank transfer timing guides.