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What is UPI?

The Unified Payments Interface (UPI) is a real-time payment system developed by the National Payments Corporation of India that allows for inter-bank peer-to-peer and person-to-merchant transactions.

Who initiated UPI?

National Payments Corporation of India

 

What is UPI ID and PIN?

When you add a new payment account or make a transaction, you must enter your UPI PIN.

Your UPI ID is a unique address that allows you to be identified on UPI.

 

How does UPI work?

Step 1: Get the BHIM app from the Google Play Store or the Apple App Store and install it.

Step 2: Choose your preferred language.

Step 3: Choose the SIM card that has your mobile phone number linked to your bank account.

Step 4: Create a four-character login password. To use the app, you must enter this four-digit password.

Step 5: Choose and connect your bank account. Set your UPI PIN by providing your last six digits.

 

What are the features and benefits of using UPI?

• Transferring funds at the lowest possible cost
• Appropriate for small transactions
• improved security
• Transfer on the spot
• There is no registration requirement.
• The payment system that is available to everyone
• There are numerous apps to choose from.
• Request for financial assistance:

 

 

FAQ’S

What apps allow UPI usage?

• PhonePe
• PayTM
• BHIM App.
• MobiKwik
• Google Tez.
• Uber
• Chillr
• Paytm Payments Bank.

 

Banks that support UPI

Sr. No.	Bank Name
1	Axis Bank
2	Bank of Baroda
3	Bank of Maharashtra
4	Canara Bank
5	Catholic Syrian Bank
6	Central Bank of India
7	DBS Digibank
8	Federal Bank
9	HDFC Bank
10	HSBC
11	ICICI Bank
12	IDBI Bank
13	IDFC Bank
14	Indian Bank
15	Indian Overseas Bank
16	IndusInd Bank
17	Karnataka Bank
18	Karur Vysya Bank
19	Kotak Mahindra Bank
20	Lakshmi Vilas Bank
21	Punjab & Sind Bank
22	Punjab National Bank
23	RBL Bank
24	South Indian Bank
25	Standard Chartered Bank
26	State Bank of India (all 5 associates)
27	TJSB Bank
28	UCO Bank
29	Union Bank of India
30	Yes Bank
31	Bank of India
32	City Union Bank
33	Jammu & Kashmir bank
34	Janta Sahakari Bank Pune
35	Equitas small finance bank
36	Airtel Payment
37	Fino Payments Bank
38	Paytm Payments Bank
39	Bandhan Bank
40	Jio Payment Bank
41	Dhanlaxmi Bank
42	India Post Payments Bank
43	ESAF Small Finance Bank
44	AU Small Finance Bank
45	Dombivli Nagri Sahakari Bank
46	NSDL Payments Bank
47	The Surat Peoples Co-op Bank
48	DCB Bank
49	Cosmos Co-op Bank
50	A P Mahesh Co-operative Urban Bank Ltd
51	Deutsche Bank AG (Retail)
52	Saraswat Bank
53	Apna Sahakari Bank Ltd
54	Vasai Vikas sahakari bank ltd
55	Thane Bharat Sahakari Bank
56	Mehasana Urban co op Bank
57	GP Parsik
58	Kalyan Janta Sahakari
59	CITI Retail
60	Rajkot Nagrik sahakari Bank
61	Maharashtra Gramin Bank
62	Gujarat state co-operative bank
63	Hasti Co-op Bank
64	GS Mahanagar Co op Bank
65	Prathama Bank
66	Karnataka Vikas Gramina Bank
67	Andhra Pragathi Gramina Bank
68	Kallapanna Arwade Ichalkaranji Janata sahakari Bank
69	Kerala Gramina Bank
70	Pragathi Krishna Gramin Bank
71	Andhra Pradesh Gramin Vikas Bank
72	Chhatisgarh Rajya Gramin Bank
73	Purvanchal Bank
74	Telangana Gramin Bank
75	Saurashtra Gramin Bank
76	Meghalaya Rural Bank
77	Uttarakhand Gramin Bank
78	Jharkhand Rajya Gramin Bank
79	Rajasthan Marudhar Gramin Bank
80	Mizoram Gramin Bank
81	Bassein Catholic Co-operative Bank
82	Tamilnad Mercantile Bank
83	Assam Gramin Vikas Bank
84	Jalgaon Janta co op Bank
85	The Vishweshwar Sahakari Bank Limited
86	Tripura Gramin Bank
87	Manipur Gramin Bank
88	Chaitanya Godavari Gramin Bank
89	Kashi Gomati Gramin Bank
90	SVC Bank
91	Baroda Gujarat Gramin Bank
92	Baroda Rajasthan Kshetriya Gramin Bank
93	The Sutex Co Op Bank
94	NKGSB Co-op Bank
95	Ujjivan Small Finance Bank
96	Baroda Uttar Pradesh Gramin bank
97	Samruddhi Co-operative Bank Ltd
98	The Varanchha Co-Op Bank Ltd
99	Urban Co-op BankLtd, Dharangaon
100	Suco Souharda Sahakari Bank Ltd
101	Sarva Haryana Gramin Bank
102	Telangana State Co-op Apex Bank
103	Andhra Pradesh State Cooperative Bank
104	Maharashtra State Cooperative Bank
105	Jana Small Finance Bank
106	Paschim Banga Gramin Bank
107	Bhilwara Urban Co-operative Bank Ltd
108	Suvarnayug Sahakari Bank Ltd.
109	The Udaipur Mahila Urban Co-Operative Bank Ltd.
110	Maratha Cooperative Bank Ltd
111	The Vijay Co-operative Bank Ltd, Ahmedabad
112	The Udaipur Mahila Samridhi Urban Co-operative Bank Ltd.
113	Sarva UP Gramin Bank
114	The Muslim Cooperative Bank Ltd
115	Hutatma Co-Op Bank Ltd
116	Punjab Gramin Bank
117	Abhyudaya Co-op Bank Ltd
118	Nainital Bank Ltd
119	Himachal Pradesh Gramin Bank
120	The Ahmedabad Mercantile Coop bank
121	The Ahmedabad District Coop bank
122	Madhya Bihar Gramin Bank(Dakshin Bihar Gramin Bank )
123	Adarsh Cooperative Bank Ltd
124	Suryoday Small Finance Bank Ltd
125	Shree Kadi Nagarik Sahakari Bank Ltd
126	J & K Grameen Bank
127	The Municipal Co-op Bank
128	The Malad Sahakari Bank
129	The Baroda Central Co-op Bank Ltd
130	Fincare Small Finance Bank
131	Kalupur Commercial Bank
132	Patan Nagrik Sahakari Bank
133	SARVODAYA COMMERCIAL CO-OP BANK
134	Sindhudurg Co-op Bank
135	Bharat Co-op Bank(Mumbai)
136	Vikas Souharda Co-op Bank
137	SHRI ARIHANT CO-OP BANK LTD
138	The Udaipur Urban Co-Operative Bank Ltd.
139	Sandur Pattana Souharda Sahakari Bank
140	Nutan NagrikSahakari Bank
141	The SSK Co-op Bank
142	The Ahmednagar Merchants Co-op Bank Ltd
143	The Baramati Sahakari Bank Ltd
144	Shri Veershaiv Co-op Bank Ltd.
145	The Sabarkantha District Central Coop Bank Ltd
146	PRIYADARSHANI NAGARI SAHAKARI BANK LTD JALNA
147	THE SATARA DISTRICT CENTRAL CO-OPERATIVE BANK LTD.
148	The Kaira District Central Co-Op. Bank Ltd.
149	The Banaskantha District Central Co-Op. Bank Ltd.
150	The Visakhapatnam Cooperative Bank Ltd.
151	Bhagini Nivedita Sahakari Bank Ltd,Pune
152	The Anand Mercantile Co-Op. Bank Ltd.
153	Citizen Co-operative Bank Ltd – Noida
154	Shri Rajkot District Co-op Bank Ltd
155	KRISHNA BHIMA SAMRUDDHI LOCAL AREA BANK
156	CHARTERED SAHAKARI BANK NIYAMITHA
157	Sterling urban co-operative bank ltd
158	Capital Small Finance Bank
159	Kokan mercantile co-operative bank ltd
160	Pune cantonment sahakari bank ltd
161	Rani Channamma Mahila Sahakari Bank Belagavi
162	The gadchiroli district central cooperative bank
163	Fingrowth Co-operative Bank Ltd
164	The Banaskantha Mercantile Co-operative Bank Limited
165	Bank of America NA
166	Nagarik Sahakari Bank Maryadit, Vidisha
167	Jalna Merchant’s Cooperative Bank Ltd., Jalna
168	The Darussalam Cooperative Urban Bank Ltd
169	The Gayatri cooperative urban bank ltd
170	Janaseva Sahakari Bank Ltd Pune
171	Janakalyan Sahakari Bank
172	The Himachal Pradesh State Co-operative Bank Ltd
173	Sri Vasavamba Cooperative Bank Ltd
174	Pali urban co-operative bank ltd
175	Manvi pattana souharda sahakari bank ni
176	Jivan commercial co-operative bank ltd
177	Shree dharati coop bank ltd
178	Coastal local area bank ltd
179	Citizens co-operative bank ltd
180	Shri Chhatrapati Rajarsshi Shahu Bank
181	The Kanakmahalakshmi Co-operative Bank Ltd
182	The Pochampally Co-operative Urban bank Ltd
183	The Surat District Co-op Bank Ltd.
184	Yadagiri Lakshmi Narasimha Swamy Co-Op Urban Bank Ltd
185	The Modasa Nagarik Sahakari Bank Limited
186	Shri Mahila Sewa Sahakari Bank Limited
187	Kolhapur District Central Co-operative Bank Limited
188	Smriti Nagrik Sahakari Bank Maryadit, Mandsaur
189	Indore Paraspar Sahakari Bank Ltd
190	Samarth Sahakari Bank Limited
191	Associate Co-operative Bank Limited, Surat
192	Shri Basaveshwar Sahakari Bank Niyamit, Bagalkot
193	The Adarsh Urban Co-op. Bank Ltd., Hyderabad
194	The Vallabh Vidyanagar Commercial Co-operative Bank Ltd
195	Malviya Urban Co-operative Bank Limited
196	Sri Rama Co-operative Bank Ltd
197	Model Co-operative Bank Limited
198	SBM BANK (INDIA) LIMITED
199	The Merchants Souharda Sahakari Bank Ltd
200	Prime Co-operative Bank Ltd.
201	Shivalik Mercantile Co-op. Bank Ltd.
202	Saibaba Nagari Sahakari Bank Maryadit
203	Madhya Pradesh Rajya Sahakari Bank Maryadit
204	Mann Deshi Mahila Sahkari Bank Limited
205	Shree Mahavir Sahakari Bank Ltd
206	The New Urban Co-Operative Bank Ltd.Rampur
207	North East Small Finance Bank Limited
208	The Akola District Central Cooperative Bank Ltd
209	Irinjalakuda Town Co-Operative Bank Ltd
210	Surat National Co-operative Bank Limited
211	The Latur Urban Coop Bank
212	The co-operative bank of rajkot ltd
213	The Sirsi Urban Sahakari Bank Limited
214	Vikramaditya nagrik sahakari bank
215	The Rajkot Commercial Co op Bank Ltd.
216	Sadhana Sahakari Bank Ltd Pune
217	The Eenadu Coop Urban Bank Ltd
218	Utkarsh Small Finance Bank
219	Chhattisgarh Rajya Sahakari Bank Mydt
220	Sadhana Sahakari Bank Ltd Pune
221	Sardar Vallabhbhai Sahakari Bank Ltd
222	Lonavala Sahakari Bank Ltd
223	The Godhra Urban Coop Bank Ltd
224	Vaishya Nagari Sahakari Bank Ltd Parbhani
225	Kolhapur Mahila Sahakari Bank Ltd.
226	Rajgurunagar Sahakari Bank Ltd.
227	The Jalgaon Peoples Co-op Bank Ltd.
228	Bhadradri Co-operative Urban Bank
229	Shree Panchganga Nagari Sahakari Bank Ltd
230	The Kakatiya Co-operative Urban Bank Limited
231	Shri Janata Sahakari Bank Limited, Halol
232	The Dahod Urban Co-operative Bank Limited
233	The Sarvodaya Nagrik Sahakari Bank Limited
234	Deogiri Nagari Sahakari Bank Ltd Aurangabad
235	Navi Mumbai Co-operative Bank Limited