Once the transaction is  successful, the money will be deducted from your account immediately and this  change will be visible in your account balance. If the change is not visible,  you can check the status of the transaction in the Transaction History section  of the app. You can access the section by going to "My Kotak" or "Banking" >  BHIM UPI > Transaction History.  You  will also receive an SMS in case of a successful transaction.