For UPI transfer, ensure using the UPI handle of the bank account linked to your Neo account.
UPI is an instant mode of transfer, and the funds will reflect in your trading account as soon as you complete the transaction successfully.
If the UPI transaction has failed, and if the funds are debited from your bank account, then your bank should reverse the funds to your bank account within 2-3 bank working days. Kindly check with your bank for further clarification.