The outage started around midday, prompting a surge of complaints on social media and Downdetector, a platform that tracks service disruptions in real time. At the height of the issue, Downdetector logged more than 2,300 reports—81% related to failed payments and 17% linked to problems with fund transfers. Major banking apps from SBI, ICICI, and HDFC were also affected, pointing to a broader issue within the UPI network infrastructure.