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Check the RBI auto-reversal deadline and indicative ₹100-per-day compensation for supported failed ATM, card, IMPS, UPI, AePS, APBS, NACH and PPI scenarios.
Enter the facts and calculate. The result appears here.
Check the RBI auto-reversal deadline and indicative ₹100-per-day compensation for supported failed ATM, card, IMPS, UPI, AePS, APBS, NACH and PPI scenarios.
RBI uses T as the calendar date of the transaction and prescribes different maximum auto-reversal timelines by payment-system scenario. This calculator deliberately asks for the exact failure type because an ATM cash failure, a UPI person-to-person transfer and a merchant payment do not all use the same TAT.
The result is a rules-based estimate, not a bank ledger confirmation. It cannot know whether a delayed credit has already been posted under another reference, whether the transaction was domestic, or whether facts fall outside the RBI failed-transaction framework.
The safest user journey is: identify the transaction type, preserve the debit/UTR/reference evidence, compare the actual reversal date with the RBI deadline, and raise the mismatch with the bank/payment service provider if reversal or compensation is missing.
This page intentionally excludes ambiguous or unsupported rows rather than guessing. A future data update should be versioned against the exact RBI annexure, not silently change the arithmetic.
Every field below changes the result. They are listed exactly as the form asks for them.
| Field | Type | What it controls |
|---|---|---|
| Transaction type | Choice | 11 options: ATM / Micro-ATM — cash not dispensed; Card-to-card transfer — beneficiary not credited; PoS / card-present merchant payment; Card-not-present merchant payment … |
| Transaction date | Date | |
| Actual reversal / resolution date | Date | |
| If unresolved, calculate as of | Date |
Compensation = ₹100 × calendar days beyond the transaction-specific RBI T+n reversal deadline.
The engine validates required values before calculating and rejects impossible combinations instead of converting them to zero silently. Dates, thresholds and category switches that drive the result remain visible to the user.
The logic on this page is built from the instrument(s) below. Where a rule did not clearly cover a scenario, that scenario is excluded rather than estimated.
The most common error in regulated calculations is not arithmetic; it is putting the facts into the wrong legal or product category. Check the transaction, entity, holding, policy or taxpayer classification before relying on the number.
Keep statements, acknowledgements, invoices, policy schedules, complaint IDs, tax workings or orders that support the inputs. A number without an evidence trail is difficult to defend in a complaint, return, claim or review.
Rules can change. This page records a source-check date, not a fabricated professional review date. If the event belongs to an older period, confirm that the rule version used here applies to that period.
No. For the supported rows, it is calculated only for days of delay beyond the RBI-prescribed T+n reversal deadline.
The RBI TAT circular defines T as the calendar date of the transaction and frames the stated T+n periods on that basis.
The RBI framework describes compensation as suo motu for covered failed transactions. The tool still recommends preserving evidence and escalating a missing credit.
No. That is not the same as a failed transaction and needs a different dispute/recovery workflow.
No. It quantifies the failed-transaction TAT issue. Ombudsman maintainability is a separate tool.
Source links below are the authority trail used to design the current rule logic. They remain more important than a generic secondary explainer.
Source checked: 14 August 2026. This denotes source verification for the package, not CA/legal review or approval of the individual case.
These cover adjacent decisions. Each owns a different question, so use the one that matches your actual event.
This calculator is published for general information and educational purposes only. It is not legal, tax, accounting or investment advice, is not personalised to your circumstances, and is not a substitute for reading the governing instrument or taking professional advice on your facts. Finin2min records a source-check date, which denotes verification of the authority trail and not a professional review or approval of any individual case.
Scope: Computes interest on delayed GST tax payment under Section 50 of the CGST Act.
Review status: reviewed and approved by CA Nikhil Gupta on 19 July 2026.
Background, worked examples and the rules behind these numbers.