Audit Trail • Post #2
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Customer account debited but cash withdrawal failed (T+5 Auto Reversal Query)
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Ramesh Kumar Sharma
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Reply #2
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Sep 10, 2026
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Updated 1 month ago
Do NOT pay cash from your own pocket if your BC portal shows Failed or Timeout.
As per NPCI circular on AePS transactions, when an amount is debited due to a communication switch timeout, an automated reconciliation cycle runs at T+1 days. If the acquiring bank does not confirm settlement, the amount is automatically credited back within T+5 business days.
Most SBI customers see auto-reversal within 48–72 hours in practice.
Revision History (1)
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Rev #1
8:05 PM · 12 Sep 2026
Edited by
Ramesh Kumar Sharma
•
Author Edit
Reason for edit:
Added clarification regarding NPCI T+5 auto-reversal timeline for SBI customers
Previous Content
## Initial Draft
Do **NOT** pay cash from your own pocket if your BC portal shows *Failed* or *Timeout*.
As per NPCI circular on AePS transactions, when an amount is debited du...
> *Pending confirmation with NPCI / UIDAI / IRCTC guidelines — edit reason: Added clarification regarding NPCI T+5 auto-reversal timeline for SBI customers*
Revised Content
Do **NOT** pay cash from your own pocket if your BC portal shows *Failed* or *Timeout*.
As per NPCI circular on AePS transactions, when an amount is debited due to a communication switch timeout, an automated reconciliation cycle runs at **T+1 days**. If the acquiring bank does not confirm settlement, the amount is automatically credited back within **T+5 business days**.
> Most SBI customers see auto-reversal within 48–72 hours in practice.
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Content