In 99%of cases, payment is approved instantly and money gets credited into your Groww Balance account depending on the method used:
1. Instant: UPI, Net banking, RTGS/IMPS
2. Within 1 hour: NEFT
But sometimes, some transactions get stuck as money gets deducted from your bank account but does not reflect in your Groww Balance. This usually happens due to technical errors at the bank/payment gateway's end, and such transactions can take longer to process. Groww actively monitors the status of such transactions and these transactions either get completed or failed within 24 hrs. In case the transaction gets completed, the amount is credited into the Groww Balance within the next 24 hrs. If the payment fails, Groww requests your bank to refund the amount instantly. It generally takes 7-10 working days for Net Banking transactions and 3-5 working days for UPI transactions. However, the time taken by your bank for a refund is beyond our control. We request you to reach your bank with your Groww transaction reference number to get the final status of your transaction.