Macro funnel tracking unique customer journeys from initiation at checkout through bank rejection, live activation, first debit execution, and customer cancellations.
Detailed renewal debit performance for sequences >= 2. Comparing Unique Billing Cycles (Deduped) against Total Network Attempts (Non-Deduped).
Deduped Cycle SR (Seq >= 2)
7.24%
575,833 successful cycles / 7,958,514 unique PDNs
Attempt-Level Debit SR
2.15%
575,833 successes / 26,845,139 total bank debits
Debit Retry Multiplier
3.71x
26.85M attempts fired across 7.24M attempted cycles
Unattempted PDNs (No Debit Fired)
722,542
9.08% of total notifications were never debited
Sequence Progression & Multi-Cycle Decay (Seq 1 to Seq 20)
Sequential Cycle SR
Sequence #
Lifecycle Stage
Unique PDNs (Cycles)
Successful Cycles
Failed Cycles
Cycle SR %
Total Debit Attempts
Retry Density
Diminishing Returns of Retries
Steep Decay Curve
Attempt Stage
Attempts Fired
Successes
Attempt SR %
% of All Success
Attempt 1
7,235,972
467,617
6.46%
81.21%
Attempt 2
6,692,860
77,543
1.16%
13.47%
Attempt 3
6,482,004
23,784
0.37%
4.13%
Attempt 4
6,434,194
13,417
0.21%
2.33%
Total
26,845,030
575,833
2.15%
100.00%
24-Hour Batch Scheduling Profile (IST)
11.4M Midnight Blast
Interactive Multi-Dimensional Error Explorer
Explore every granular NPCI error code individually without clubbing. All tables are strictly pre-sorted in descending order with % contribution formatted to 2 decimals. Click any row or use the Deep Drilldown Pop-up to cross-filter by Bank, PSP, and Timeline.
Rigorous, data-backed findings with explicit baselines, denominators, unique mandates affected, and commercial revenue loss.
1. The FamPay Teen Account Trap: 99.17% Failure on Minor Wallets
₹6.16 Cr Lost • 0.83% SR
The Finding: FamPay accounts (@fam) register 41,001 unique mandates but deliver an alarming 0.83% Cycle SR (0.23% Attempt SR). FamPay caters to teenagers and students who maintain zero balance and lack bank-backed recurring debit privileges. Quantified Impact: 40,659 unique mandates failed across 151,128 retry attempts. Z9 (Insufficient Funds) drove 37,084 failures (91.20%). Total lost subscription value for Story TV: ₹6.16 Crore, while generating 150,000+ futile debit calls. Commercial Action: Blacklist @fam handles at checkout for high-ticket renewal plans (₹299–₹699).
Unique Mandates
41,001
Debit Attempts
151,128
Cycle SR
0.83%
Attempt SR
0.23%
Lost GMV
₹6.16 Crore
Retry Overhead
3.74x per user
2. Yes Bank Switch Out-of-Sync: Driving 60.3% of V1 SeqNum Mismatches
28,796 Cycles • ₹1.36 Cr Lost
The Finding: Code V1 (Mandate Sequence Number Mismatch) represents an out-of-order tracking state where the gateway debit sequence does not align with the bank CBS sequence. Yes Bank remitter accounts drove 28,796 out of 47,716 total V1 failures (60.35% concentration), losing ₹1.36 Crore. Quantified Impact: While Yes Bank accounts for 16.4% of total transaction volume, it represents 60.35% of all V1 errors (3.7x over-indexed). Commercial Action: Initiate an immediate bilateral audit with Juspay and Yes Bank to synchronize sequence tracking counters on recurring debits.
Total V1 Failures
47,716 cycles
Yes Bank Share
60.35% (28,796)
Expected Share
16.40%
Lost GMV
₹1.36 Crore
Root Cause
Switch Desync
3. Google Pay & Payee PSP Throttle Spike: 68.9% Concentration in U92 Declines
18,671 Cycles • 4.4x Over-Indexed
The Finding: Error U92 (Payee PSP / Bank Throttling / Rate Limit Exceeded) spiked dramatically during scheduled batch debit runs. Google Pay handles (@okaxis, @oksbi, @okhdfcbank, @okicici) accounted for 18,671 out of 27,117 U92 declines (68.85%). Quantified Impact: Google Pay accounts for only 15.71% of total merchant volume, but generates 68.85% of all throttle rejects. ₹85.2 Lakhs in lost GMV. Commercial Action: Implement client-side rate-limiting and staggered execution for Google Pay VPAs (limit to 50 TPS instead of unconstrained batch dispatch).
Total U92 Declines
27,117 cycles
Google Pay Volume
18,671 cycles
Traffic Share
15.71%
U92 Share
68.85% (4.4x)
Lost GMV
₹85.2 Lakhs
4. The ₹499 Price Elasticity Collapse: 0.51% SR vs 2.62% on ₹399
₹313.4 Cr Lost • 5.1x Conversion Drop
The Finding: 95.4% of users onboard via ₹1 promotional trials. When transitioning to full renewal, price point elasticity drops precipitously. Quantified Comparison:
• ₹399 Plan: 2.62% Cycle SR (97.38% fail)
• ₹499 Plan: 0.51% Cycle SR (99.49% fail) across 6.63M attempts and 1.61M failed cycles. Commercial Impact: The ₹499 renewal plan generates ₹313.4 Crore in uncollected GMV due to users keeping account balances under ₹500. Commercial Recommendation: Down-sell renewal offers dynamically to ₹399 or implement a pre-debit balance check warning. Down-selling ₹499 users to ₹399 would salvage an estimated +₹69.8 Crore in revenue.
₹499 Failed Cycles
1,610,000
₹499 Cycle SR
0.51%
₹399 Cycle SR
2.62% (5.1x)
Uncollected GMV
₹313.4 Crore
Salvage Potential
+₹69.8 Crore
5. The 11.4M Midnight Retry Dump: 0.09% SR on Sleeping Users
11,424,000 Retries • 0.09% SR
The Finding: Between 00:00 and 06:59 AM IST, 11,424,000 debit attempts were fired against accounts that previously failed on Attempt 1. This night blast yielded a negligible 0.09% SR (only 10,632 successes). The Contrast: Debit batches fired at 02:00 PM IST achieve 26.38% SR (29.8% on Attempt 1), producing 39.4% of total monthly successful renewals. Commercial Action: Kill all retry batch schedules between 00:00–07:00 IST. Re-allocate retry capacity to the 11:00 AM – 03:00 PM and 07:00 PM – 09:30 PM windows when users actively monitor SMS alerts.
Midnight Attempts
11,424,000
Midnight SR
0.09%
02:00 PM SR
26.38% (293x)
Wasted API Calls
11.4M / month
6. Checkout Approval Expiry: 88.6% of Mandate Rejections Dropped Prior to PIN
2,270,640 Drop-offs
The Finding: Of the 2,563,848 mandates that failed creation, 2,270,640 (88.56%) expired because the user never confirmed the mandate request in their UPI app. Breakdown: True bank rejects (UM8, U16) represent only 11.44% of setup drop-offs. The overwhelming funnel leak is customer hesitation at the UPI app approval screen. Commercial Action: Deploy an in-app checkout countdown timer, deep-link directly into PhonePe/Google Pay intent flows, and fire a push notification reminder 2 minutes after mandate initiation.