P2P INR usually lead to a dispute in the following cases -
The depositor does not make the payment within the 60 or extended 90-minute time-frame, the withdrawer can now raise a dispute.
The withdrawer has received a credit in their bank account corresponding to their request but they haven't confirmed reception, the depositor can now raise a dispute.
The depositor has not made a payment, however, they have marked as paid. The withdrawer can now raise a dispute.