Knowledge Base

A pending fund transfer usually means your payment is still within the normal processing window. Here are the most common reasons:

1. Payment mode processing time Different payment modes have different reflection times:

• UPI / Net Banking : Generally instant, but may take a few minutes in rare cases.
• IMPS : Usually reflects within minutes to 1 hour.
• NEFT / RTGS : May take 2–3 working hours depending on bank clearing timelines.

2. Transfer during non-banking hours or holiday If the transfer was made during non-banking hours, on a weekend, or on a public holiday, it will be processed on the next working day.

3. Transfer from an unregistered bank account If the funds were transferred from a bank account not registered with Samco, the credit may be delayed or put on hold.

What you can do:

• Check your bank statement to confirm whether the amount has been debited.
• Allow some time based on the payment mode used.
• If the amount is debited but still not reflected after the expected timeline, move to the next step and raise a support ticket.

If the amount hasn’t reflected within the expected timeline, contact Samco Support with your Client Code, UTR number, transferred amount, and payment screenshot.