How to Fix UPI Mandate Cancellation Issues Due to UM9 Error Code


Learn how to fix UPI mandate cancellation issues due to UM9 error code and unblock your funds quickly. Solve UPI Mandate Issues Efficiently.

UM9 Error in UPI
UM9 Error in UPI

If you have recently applied for an Initial Public Offer (IPO) using UPI payment mode, you might have received an SMS stating, “UPI Mandate Could Not Be Cancelled Due to UM9.” This error indicates that you haven’t been allotted any securities from the IPO. Although your mandate should automatically cancel when no shares are allotted, technical errors from banks or UPI systems can prevent this, leading to the UM9 error message. Here’s how you can resolve this issue and get your money unblocked.


UM9 Error Code Meaning in UPI Payments

The SMS message stating “UPI Mandate Could Not Be Cancelled Due to UM9” signifies that your funds are still held by the bank. This situation could arise due to an error at the bank, the UPI application, or the IPO registrar.

Why Is Your Money Blocked? Understanding the UPI Mandate Process

Typically, your funds remain blocked until the IPO allotment finalization. After this process, the amount corresponding to your allotted shares is deducted, and the remainder is automatically released. Understanding this process can help you navigate your IPO investments more effectively.

What to Do If Money Isn’t Released Due to UM9 Error

Don’t panic! The bank usually processes failed mandates at least twice, often leading to the automatic release of funds the following day. If you haven’t received your money within two days of the notification, contact your bank’s customer service or the UPI app’s support. Alternatively, you can email NPCI at ipo.upi@npci.org.in along with your application number.


How To Fix UPI Mandate UM9 Error

  1. Open Your UPI App: Use the application where you applied for the IPO, such as Google Pay, PhonePe, Bhim, or Paytm.
  2. Navigate to the Mandate Section: Locate the IPO mandate details within your app.
  3. Check Mandate Dates: Review the start and end dates of the mandate for the IPO. For instance, for the Tatva Chintan IPO, the mandate started on July 16, 2021, and ends on August 5, 2021. Your funds will be automatically unblocked after this end date.

Real-Life Experience with UPI Mandate UM9 Error

In my experience, I’ve encountered the UPI Mandate UM9 error several times. Each time, the funds were released the next day. However, in one case, it took nearly three weeks—21 days—to resolve, coinciding with the end date of the IPO mandate. Sharing this experience can provide reassurance to others facing similar issues.

Tips for Preventing UPI Mandate Issues in Future IPO Applications: UM9 in IPO

  • Verify IPO Application Details: Always double-check your application details before submission.
  • Keep Track of Mandate Dates: Mark the start and end dates of your UPI mandates to monitor your funds.
  • Stay Informed: Regularly check for updates from your UPI app and bank regarding transaction statuses.

Conclusion: Quick Solutions for UPI Mandate UM9 Errors

If you face the UM9 error, remember that it is often a temporary issue that resolves itself. Following the above steps can expedite the process of unblocking your funds.


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