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SBI customers can't make UPI transactions on Nov 23 night: What's the substitute?

SBI is the largest bank of India with more than 50 crore customers and predictably crores of its customers use UPI. SBI has announced that due to maintenance activity, their customers cannot use UPI activity on Sunday night (Nov 23).

SBI has advised its customers to switch to UPI Lite during the downtime.
SBI has advised its customers to switch to UPI Lite during the downtime.
| Updated on: Nov 22, 2025 | 11:01 AM

Kolkata: UPI has become almost a default way of making payments for crores of Indians. SBI management has announced that they will undertake maintenance activity on the night of Sunday, Nov 23 and as result, their clients cannot use UPI for a limited time window. The technical maintenance is necessary for smooth operation of the UPIP services linked to the bank's accounts.

To make the "outage" time as short and as less inconvenient for their customers as possible, SBI will carry out the maintenance activity from 1:10 am to 2:45 am on November 23. During this time UPI transactions cannot be carried out. The planned "outage" will not impact UPI only. None can use IMPS, NEFT, RTGS, Internet Banking, YONO, and ATM services within that time period. The bank has advised its customers to use UPI Lite for small transactions within that time window. Needless to say, after the maintenance is complete, all normal services will be restored for everyone.

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Will ATM services be closed too?

While digital services will be shut, ATM services will also be impacted due to the maintenance work. SBI's ATM channels will also be affected and, as a result, ATM services will be closed from 1:10 am to 2:10 am on November 23. Like the digital services normal ATM services will be restored after the maintenance work is over.

SBI advice to customers

Though UPI service will be impacted, UPI Lite can continue. UPI Lite is a payment solution that is designed to process low value transactions. The limit for these transactions is below Rs 1000. These do not require PIN and are faster. This will allow small payments to be processed without interruption.

Why is maintenance activity needed?

Maintenance work is essential in the banking system. This must be down to ensure safe, fast, and reliable services for customers. As digital transactions increase over time, the pressure on the system increases. To handle the volume of traffic and process huge data, it becomes necessary to upgrade servers and software to ensure smooth functioning. Also one upgrades security guardrails during maintenance to reduce cyberattacks, data leaks etc. In short, maintenance is absolutely necessary for smooth functioning of the sntire system

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