1. Verify your beneficiary account details like Bank Name, Account number IFSC code etc.
2. Check if the same transaction amount has been reversed into your account in the last 24 to 48 Hours.
3. Please make a note of the below time for the transaction to reflect for each type of Fund transfer:
Kotak to Kotak/IMPS/UPI — Instant,
RTGS — 4 hours or by the End of the Day,
NEFT — Within one working day from the transaction date
4. Below are the service availability timings for various fund transfers:
IMPS / UPI - Anytime (24x7)
NEFT – 12:30 AM to 11:30 PM (Available on all days)
RTGS - Till 4pm (Mon to Sat - except second & fourth Saturday & bank holidays)
Any transaction done after cut off time will be sent for clearing on next working day.