Hi @Delhi95,
Welcome to the Niyo Community! 
Just a quick heads-up about the downtime you’ve noticed between 12:00 AM and 4:00 AM for Niyo SBM users. This is our regular maintenance window to keep everything running smoothly and securely.
During this time, Fund Transfers and UPI transactions will be temporarily unavailable, but don’t worry—ATM withdrawals, online shopping, and POS transactions will still work just fine.
Thanks for your understanding, and we’re doing our best to keep any inconvenience to a minimum. Glad to have you with us!
