{"id":17009,"date":"2019-01-28T13:31:38","date_gmt":"2019-01-28T13:31:38","guid":{"rendered":"https:\/\/www.legalraasta.com\/blog\/?p=17009"},"modified":"2026-04-07T17:17:27","modified_gmt":"2026-04-07T11:47:27","slug":"upi-full-form","status":"publish","type":"post","link":"https:\/\/www.legalraasta.com\/blog\/upi-full-form\/","title":{"rendered":"All you Need to Know About Unified Payments Interface (UPI)"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_73 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.legalraasta.com\/blog\/upi-full-form\/#UPI_full_form\" title=\"UPI full form\">UPI full form<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.legalraasta.com\/blog\/upi-full-form\/#Features_of_UPI\" title=\"Features of UPI\u00a0\">Features of UPI\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.legalraasta.com\/blog\/upi-full-form\/#Which_banks_offer_the_facility_of_UPI\" title=\"Which banks offer the facility of UPI?\">Which banks offer the facility of UPI?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.legalraasta.com\/blog\/upi-full-form\/#Benefits_of_having_UPI\" title=\"Benefits of having UPI\">Benefits of having UPI<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.legalraasta.com\/blog\/upi-full-form\/#Transaction_limit_for_UPI\" title=\"Transaction limit for UPI\">Transaction limit for UPI<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.legalraasta.com\/blog\/upi-full-form\/#List_of_links_to_Download_UPI_Apps\" title=\"List of links to Download UPI Apps\">List of links to Download UPI Apps<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.legalraasta.com\/blog\/upi-full-form\/#How_to_register_on_the_UPI_App\" title=\"How to register on the UPI App?\">How to register on the UPI App?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.legalraasta.com\/blog\/upi-full-form\/#How_can_you_make_payments_using_UPI\" title=\"How can you make payments using UPI?\">How can you make payments using UPI?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.legalraasta.com\/blog\/upi-full-form\/#How_can_you_receive_payment_using_UPI\" title=\"How can you receive payment using UPI?\">How can you receive payment using UPI?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.legalraasta.com\/blog\/upi-full-form\/#How_secure_is_UPI\" title=\"How secure is UPI?\">How secure is UPI?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.legalraasta.com\/blog\/upi-full-form\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"UPI_full_form\"><\/span><em><strong>UPI full form<\/strong><\/em><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>UPI stands for Unified Payments Interface which is a payment system that allows users to link more than one bank account in a single smartphone app as well as make it possible to transfer fund without having to provide IFSC code or account number. This is considered as the real-time payment system where funds are credited instantly on a real-time basis. Besides sending money, users will also be able to make collect requests. All you need to do is just use the virtual address commonly known as Virtual Payment Address (VPA) to carry out any transaction. This UPI has been developed by the National Payments Corporation of India (NPCI) and is regulated by the Reserve Bank of India (RBI). This article explains the UPI full form along with the procedure to get yourself registered.<\/p>\n<p><strong>Some of the UPI apps include:<\/strong><\/p>\n<div id=\"attachment_17016\" style=\"width: 208px\" class=\"wp-caption alignleft\"><a href=\"https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/9c933540-ac14-11e8-abd2-5c322fa89f61.jpg\"><img decoding=\"async\" aria-describedby=\"caption-attachment-17016\" class=\"wp-image-17016\" src=\"https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/9c933540-ac14-11e8-abd2-5c322fa89f61.jpg\" alt=\"Google tez\" width=\"198\" height=\"112\" \/><\/a><p id=\"caption-attachment-17016\" class=\"wp-caption-text\">Google tez<\/p><\/div>\n<div id=\"attachment_17017\" style=\"width: 260px\" class=\"wp-caption alignleft\"><a href=\"https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/maxresdefault.jpg\"><img decoding=\"async\" aria-describedby=\"caption-attachment-17017\" class=\" wp-image-17017\" src=\"https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/maxresdefault.jpg\" alt=\"\" width=\"250\" height=\"140\" srcset=\"https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/maxresdefault-200x113.jpg 200w, https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/maxresdefault-300x169.jpg 300w, https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/maxresdefault-400x225.jpg 400w, https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/maxresdefault-600x338.jpg 600w, https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/maxresdefault-768x432.jpg 768w, https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/maxresdefault-800x450.jpg 800w, https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/maxresdefault-1024x576.jpg 1024w, https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/maxresdefault-1200x675.jpg 1200w, https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/maxresdefault.jpg 1280w\" sizes=\"(max-width: 250px) 100vw, 250px\" \/><\/a><p id=\"caption-attachment-17017\" class=\"wp-caption-text\">Airtel payments bank<\/p><\/div>\n<div id=\"attachment_17018\" style=\"width: 192px\" class=\"wp-caption alignleft\"><a href=\"https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/paytm-wallet-reaches-200-million-users.jpg\"><img decoding=\"async\" aria-describedby=\"caption-attachment-17018\" class=\"wp-image-17018\" src=\"https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/paytm-wallet-reaches-200-million-users.jpg\" alt=\"Paytm\" width=\"182\" height=\"137\" \/><\/a><p id=\"caption-attachment-17018\" class=\"wp-caption-text\">Paytm<\/p><\/div>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<div id=\"attachment_17020\" style=\"width: 146px\" class=\"wp-caption alignleft\"><a href=\"https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/31bhim.jpg\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-17020\" class=\"wp-image-17020\" src=\"https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/31bhim.jpg\" alt=\"BHIM\" width=\"136\" height=\"175\" srcset=\"https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/31bhim-200x258.jpg 200w, https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/31bhim-232x300.jpg 232w, https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/31bhim.jpg 370w\" sizes=\"(max-width: 136px) 100vw, 136px\" \/><\/a><p id=\"caption-attachment-17020\" class=\"wp-caption-text\">BHIM<\/p><\/div>\n<div id=\"attachment_17022\" style=\"width: 218px\" class=\"wp-caption alignleft\"><a href=\"https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/Mobikwik.jpg\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-17022\" class=\"wp-image-17022\" src=\"https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/Mobikwik.jpg\" alt=\"MobiKwik\" width=\"208\" height=\"125\" srcset=\"https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/Mobikwik-200x120.jpg 200w, https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/Mobikwik-300x180.jpg 300w, https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/Mobikwik-400x240.jpg 400w, https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/Mobikwik-600x360.jpg 600w, https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/Mobikwik-768x461.jpg 768w, https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/Mobikwik-800x480.jpg 800w, https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/Mobikwik.jpg 1024w\" sizes=\"(max-width: 208px) 100vw, 208px\" \/><\/a><p id=\"caption-attachment-17022\" class=\"wp-caption-text\">MobiKwik<\/p><\/div>\n<p>&nbsp;<\/p>\n<div id=\"attachment_17019\" style=\"width: 242px\" class=\"wp-caption alignleft\"><a href=\"https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/phone-pay-image.jpg\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-17019\" class=\"wp-image-17019\" src=\"https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/phone-pay-image.jpg\" alt=\"PhonePe\" width=\"232\" height=\"116\" srcset=\"https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/phone-pay-image-200x100.jpg 200w, https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/phone-pay-image-300x150.jpg 300w, https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/phone-pay-image-400x200.jpg 400w, https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/phone-pay-image-540x272.jpg 540w, https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/phone-pay-image-600x300.jpg 600w, https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/phone-pay-image-768x384.jpg 768w, https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/phone-pay-image-800x400.jpg 800w, https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/phone-pay-image-1024x512.jpg 1024w, https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/phone-pay-image.jpg 1200w\" sizes=\"(max-width: 232px) 100vw, 232px\" \/><\/a><p id=\"caption-attachment-17019\" class=\"wp-caption-text\">PhonePe<\/p><\/div>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>You don&#8217;t need to go through the cumbersome process of entering all bank details.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Features_of_UPI\"><\/span><em><strong>Features of UPI\u00a0<\/strong><\/em><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>It allows you to avail a number of services. Following transactions can be done through UPI:<\/p>\n<ul>\n<li>Sending and receiving funds<\/li>\n<li>Making requests for funds<\/li>\n<li>Pay merchants through QR code scanning via BHIM<\/li>\n<li>Pay for cabs<\/li>\n<li>Recharge phone number<\/li>\n<li>Pay for food<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Which_banks_offer_the_facility_of_UPI\"><\/span><em><strong>Which banks offer the facility of UPI?<\/strong><\/em><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul class=\"col-md-4\">\n<li>Andhra Bank<\/li>\n<li>Axis Bank<\/li>\n<li>Bank of Maharashtra<\/li>\n<li>Bhartiya Mahila Bank<\/li>\n<li>Canara Bank<\/li>\n<li>Catholic Syrian Bank<\/li>\n<\/ul>\n<ul class=\"col-md-4\">\n<li>DCB Bank<\/li>\n<li>Federal Bank<\/li>\n<li>ICICI Bank<\/li>\n<li>TJSB Sahakari Bank<\/li>\n<li>Oriental Bank of Commerce<\/li>\n<li>Karnataka Bank<\/li>\n<\/ul>\n<ul class=\"col-md-4\">\n<li>UCO Bank<\/li>\n<li>Union Bank of India<\/li>\n<li>United Bank of India<\/li>\n<li>Punjab National Bank<\/li>\n<li>South Indian Bank<\/li>\n<li>Vijaya Bank<\/li>\n<li>YES Bank<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Benefits_of_having_UPI\"><\/span><em><strong>Benefits of having UPI<\/strong><\/em><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>UPI is simply your online payments. You can easily use it for NEFT, IMPS or a digital wallet such as MobiKwik or Paytm to make the payments in a blink to the service providers. Following are the benefits of using UPI:<\/p>\n<ul>\n<li>This UPI system is beneficial for the Taxi aggregators like Uber and Ola, Food ordering services such as Zomato and Food panda, Online grocery shops like Big Basket will be able to take advantages of the UPI system. Actually, such companies should be able to register its identifier on the UPI system and receive funds from a customer\u2019s bank account through the UPI. Even, most of the similar tech companies are now banking on mobile wallets.<\/li>\n<li>Through using the UPI system, you will get a special discount on ordering their food by making payments using UPI ID as per the prevailing offers.<\/li>\n<\/ul>\n<p><a href=\"https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/5477504IMG-20181214-192335.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-17040\" src=\"https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/5477504IMG-20181214-192335.jpg\" alt=\"\" width=\"306\" height=\"150\" srcset=\"https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/5477504IMG-20181214-192335-200x98.jpg 200w, https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/5477504IMG-20181214-192335-300x147.jpg 300w, https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/5477504IMG-20181214-192335.jpg 400w\" sizes=\"(max-width: 306px) 100vw, 306px\" \/><\/a><a href=\"https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/foodpanda-offer-m.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-17041\" src=\"https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/foodpanda-offer-m.jpg\" alt=\"\" width=\"186\" height=\"203\" srcset=\"https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/foodpanda-offer-m-200x219.jpg 200w, https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/foodpanda-offer-m-274x300.jpg 274w, https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/foodpanda-offer-m-400x438.jpg 400w, https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/foodpanda-offer-m-600x656.jpg 600w, https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/foodpanda-offer-m.jpg 640w\" sizes=\"(max-width: 186px) 100vw, 186px\" \/><\/a><\/p>\n<ul>\n<li>You can get your phone number recharged in a jiff through using UPI system.<\/li>\n<\/ul>\n<p><a href=\"https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/Mobile-Recharge-Using-Google-Pay.png\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-17044 aligncenter\" src=\"https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/Mobile-Recharge-Using-Google-Pay.png\" alt=\"\" width=\"388\" height=\"218\" srcset=\"https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/Mobile-Recharge-Using-Google-Pay-200x113.png 200w, https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/Mobile-Recharge-Using-Google-Pay-300x169.png 300w, https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/Mobile-Recharge-Using-Google-Pay-400x225.png 400w, https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/Mobile-Recharge-Using-Google-Pay-600x338.png 600w, https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/Mobile-Recharge-Using-Google-Pay-768x432.png 768w, https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/Mobile-Recharge-Using-Google-Pay-800x450.png 800w, https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/Mobile-Recharge-Using-Google-Pay-1024x576.png 1024w, https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/Mobile-Recharge-Using-Google-Pay-1200x675.png 1200w, https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/Mobile-Recharge-Using-Google-Pay.png 1920w\" sizes=\"(max-width: 388px) 100vw, 388px\" \/><\/a><\/p>\n<ul>\n<li>You can pay for Uber, Ola cabs through using UPI system.\u00a0<a href=\"https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/uber_upi_1.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-17045 aligncenter\" src=\"https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/uber_upi_1.jpg\" alt=\"\" width=\"403\" height=\"224\" srcset=\"https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/uber_upi_1-200x111.jpg 200w, https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/uber_upi_1-300x167.jpg 300w, https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/uber_upi_1-400x222.jpg 400w, https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/uber_upi_1-600x334.jpg 600w, https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/uber_upi_1.jpg 759w\" sizes=\"(max-width: 403px) 100vw, 403px\" \/><\/a><\/li>\n<li>The most amazing and frugal benefit of using UPI system is you get cashback in the form of scratch cards after most of the transaction directly into your account. In google pay and BHIM, all the transactions are done directly through the personal account of the user.<\/li>\n<\/ul>\n<div id=\"attachment_17046\" style=\"width: 290px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/tez6.jpg\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-17046\" class=\"wp-image-17046\" src=\"https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/tez6.jpg\" alt=\"\" width=\"280\" height=\"265\" srcset=\"https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/tez6-200x189.jpg 200w, https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/tez6-300x284.jpg 300w, https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/tez6-400x378.jpg 400w, https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/tez6-600x568.jpg 600w, https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/tez6.jpg 610w\" sizes=\"(max-width: 280px) 100vw, 280px\" \/><\/a><p id=\"caption-attachment-17046\" class=\"wp-caption-text\">Scratch Card at Google Pay.<\/p><\/div>\n<ul>\n<li>It is the most trustworthy and hassle-free system for transferring money to your family and friends instantly with high security.<\/li>\n<\/ul>\n<p><a href=\"https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/Smartphone-Money-Transfer-UPI-USSD.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-17047 aligncenter\" src=\"https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/Smartphone-Money-Transfer-UPI-USSD.jpg\" alt=\"\" width=\"446\" height=\"215\" srcset=\"https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/Smartphone-Money-Transfer-UPI-USSD-200x96.jpg 200w, https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/Smartphone-Money-Transfer-UPI-USSD-300x145.jpg 300w, https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/Smartphone-Money-Transfer-UPI-USSD-400x193.jpg 400w, https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/Smartphone-Money-Transfer-UPI-USSD-600x289.jpg 600w, https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/Smartphone-Money-Transfer-UPI-USSD-768x370.jpg 768w, https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/Smartphone-Money-Transfer-UPI-USSD-800x386.jpg 800w, https:\/\/www.legalraasta.com\/blog\/wp-content\/uploads\/2019\/01\/Smartphone-Money-Transfer-UPI-USSD.jpg 1000w\" sizes=\"(max-width: 446px) 100vw, 446px\" \/><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Transaction_limit_for_UPI\"><\/span><em><strong>Transaction limit for UPI<\/strong><\/em><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>From UPI, you can do\u00a0a transaction of up to\u00a0Rs. 1 lakh per day. Per transaction, the limit is also the same which every bank in the country has to follow. However, in most of the cases, the maximum number of UPI transactions limit is 20 per day. Whereas some of the banks like ICICI, HDFC, SBI, and PNB allow you to send Rs. 1 lakh per transaction, other banks may allow you to send only Rs. 10000 per transaction.<\/p>\n<p>Although, the maximum limit for BHIM UPI is Rs. 10000 per transaction and Rs. 20000 in a 24 hour. But this transaction limit may be revised from time to time.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"List_of_links_to_Download_UPI_Apps\"><\/span><em><strong>List of links to Download UPI Apps<\/strong><\/em><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>1. SBI Pay:\u00a0<a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.sbi.upi\" target=\"_blank\" rel=\"noopener noreferrer\">Android<\/a><\/p>\n<p>2. HDFC Bank MobileBanking:\u00a0<a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.snapwork.hdfc\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Android<\/a>,\u00a0<a href=\"https:\/\/itunes.apple.com\/in\/app\/hdfc-bank-mobilebanking\/id515891771?mt=8\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">iOS<\/a><\/p>\n<p>3. ICICI Pockets:\u00a0<a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.icicibank.pockets&amp;hl=en\" target=\"_blank\" rel=\"noopener noreferrer\">Android<\/a>,\u00a0<a href=\"https:\/\/itunes.apple.com\/in\/app\/pockets-by-icici-bank\/id893982636?mt=8\" target=\"_blank\" rel=\"noopener noreferrer\">iOS<\/a><\/p>\n<p>4. Axis Pay UPI App:\u00a0<a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.upi.axispay\" target=\"_blank\" rel=\"noopener noreferrer\">Android<\/a><\/p>\n<p>5. Union Bank UPI App:\u00a0<a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.fss.ubipsp\" target=\"_blank\" rel=\"noopener noreferrer\">Android<\/a><\/p>\n<p>6. PNB UPI:\u00a0<a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.fss.pnbpsp\" target=\"_blank\" rel=\"noopener noreferrer\">Android<\/a><\/p>\n<p>7. PhonePe:\u00a0<a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.phonepe.app\" target=\"_blank\" rel=\"noopener noreferrer\">Android<\/a><\/p>\n<p>8. Canara Bank UPI \u2013 eMpower:\u00a0<a href=\"https:\/\/play.google.com\/store\/apps\/details?id=upi.npst.com.upicanara\" target=\"_blank\" rel=\"noopener noreferrer\">Android<\/a><\/p>\n<p>9. United UPI:\u00a0<a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.fss.unbipsp\" target=\"_blank\" rel=\"noopener noreferrer\">Android<\/a><\/p>\n<p>10. Andhra Bank ONE \u2013 UPI App:\u00a0<a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.olive.andhra.upi\" target=\"_blank\" rel=\"noopener noreferrer\">Android<\/a><\/p>\n<p>11. UCO UPI:\u00a0<a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.lcode.ucoupi\" target=\"_blank\" rel=\"noopener noreferrer\">Android<\/a><\/p>\n<p>12. Bank of Maharashtra \u2013 Maha UPI:\u00a0<a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.infrasofttech.mahaupi\" target=\"_blank\" rel=\"noopener noreferrer\">Android<\/a><\/p>\n<p>13. Vijaya UPI:\u00a0<a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.fss.vijayapsp\" target=\"_blank\" rel=\"noopener noreferrer\">Android<\/a><\/p>\n<p>14. South Indian Bank \u2013 SIB M-Pay (UPI Pay):\u00a0<a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.paymate.sib\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Android<\/a><\/p>\n<p>15. KBL SMARTz (UPI):\u00a0<a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.lcode.smartz\" target=\"_blank\" rel=\"noopener noreferrer\">Android<\/a><\/p>\n<p>16. OBC UPI PSP:\u00a0<a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.mgs.obcbank\" target=\"_blank\" rel=\"noopener noreferrer\">Android<\/a><\/p>\n<p>17. UPI Bank Transfer with Friends:\u00a0<a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.app.mypoolin\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Android<\/a><\/p>\n<p>18. DCB Bank UPI App:\u00a0<a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.olive.dcb.upi\" target=\"_blank\" rel=\"noopener noreferrer\">Android<\/a><\/p>\n<p>19. Lotza \u2013 UPI:\u00a0<a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.upi.federalbank.org.lotza\" target=\"_blank\" rel=\"noopener noreferrer\">Android<\/a><\/p>\n<p>20. TranZapp \u2013 UPI:\u00a0<a href=\"https:\/\/play.google.com\/store\/apps\/details?id=in.co.finacus.tjsbbankpsp\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Android<\/a><\/p>\n<p>21. CSB UPI:\u00a0<a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.mobilebank.csb_mobile_activity\" target=\"_blank\" rel=\"noopener noreferrer\">Android<\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_register_on_the_UPI_App\"><\/span><em><strong>How to register on the UPI App?<\/strong><\/em><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li>First, you need to download UPI application from the Google Play App store or the Bank&#8217;s website.<\/li>\n<li>As soon as the downloading completes, open the app and create a profile. Enter all the details for the registration such as your name, a virtual Id or payment address, an appropriate password, account details.<\/li>\n<li>You will there an option like Add\/link\/manage bank account which will then allow you to link your bank account number with the newly created virtual ID.<\/li>\n<li>Besides, you have to use an M-PIN\u00a0to use that UPI. You can generate it through the following steps:<\/li>\n<\/ul>\n<p>\u2663\u00a0 Once you tab on Generate MPIN, you will receive a One Time Password (OTP) from your bank on your registered mobile number.<\/p>\n<p>\u2663\u00a0 You will be asked for the last 6 digits of debit card number and the expiry date of your card.<\/p>\n<p>\u2663\u00a0 Enter the 6 digits of OTP and MPIN of your choice then click on submit\u00a0button.<\/p>\n<p>\u2663\u00a0 You will get a confirmation text for your new MPIN.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_can_you_make_payments_using_UPI\"><\/span><em><strong>How can you make payments using UPI?<\/strong><\/em><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol>\n<li>Log on to your bank&#8217;s UPI application.<\/li>\n<li>Choose the option for sending money or payment.<\/li>\n<li>Now enter the beneficiary&#8217;s virtual ID and the amount you wish to send followed by the account number.<\/li>\n<li>Then you will get a confirmation message, do check the payment details to confirm the payment.<\/li>\n<li>Key-in the MPIN.<\/li>\n<li>A notification will be sent to you. It will be either successful or failure message.<\/li>\n<\/ol>\n<h2><span class=\"ez-toc-section\" id=\"How_can_you_receive_payment_using_UPI\"><\/span><em><strong>How can you receive payment using UPI?<\/strong><\/em><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol>\n<li>After login, tap the collect money option that signifies a request for payment.<\/li>\n<li>All you need to do is just enter the payer or money sender\u2019s virtual id, the amount as well as the account that needs to be credited.<\/li>\n<li>Then check the payment details and then tap or click to confirm.<\/li>\n<li>The notification for request money will be then sent to the payer.<\/li>\n<li>Hence, the payer has to tap and click on the sent notification.<\/li>\n<li>The payer will review the payment request.<\/li>\n<li>A payer can accept or decline the request.<\/li>\n<li>He or she would have to enter the MPIN for authorizing the transaction.<\/li>\n<li>As soon as you get the transaction is complete, payer gets notified if the transaction was \u2018successful\u2019 or was \u2018declined\u2019.<\/li>\n<li>The recipient also gets a notification and text from the bank once the money has been credited to your account.<\/li>\n<\/ol>\n<h2><span class=\"ez-toc-section\" id=\"How_secure_is_UPI\"><\/span><em><strong>How secure is UPI?<\/strong><\/em><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>According to Nilekani, the security is fool-proof as the transaction will happen in a highly encrypted format. There are more than Rs. 8000 crore worth of transactions a day handled by IMPS network which will exponentially increase with the use of mobile phones. Besides, there is 2-factor authentication which is similar to OTP as its mandated by RBI. So, in this case, MPIN instead of OPT will be used.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><em><strong>Conclusion<\/strong><\/em><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This UPI system is a great step in the right direction and it is a set to become an efficient alternative to mobile wallets and make cashless payments directly through our bank accounts faster, easier and smoother for millions of people in India. It is an amazing technique to make micropayments cashless which will benefit both buyers and sellers.<\/p>\n<div class=\"ct-img-web-banner\">\n<p>For more information regarding <a href=\"https:\/\/www.legalraasta.com\/nbfc-registration\/\" target=\"_blank\" rel=\"noopener noreferrer\">NBFC registration<\/a>, a\u00a0<a href=\"https:\/\/www.legalraasta.com\/private-limited-company-registration\/\" target=\"_blank\" rel=\"noopener noreferrer\">Private limited company registration<\/a>, <a href=\"https:\/\/www.legalraasta.com\/llp-registration\/\" target=\"_blank\" rel=\"noopener noreferrer\">LLP registration<\/a> you can visit our website: <a href=\"https:\/\/www.legalraasta.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">LegalRaasta<\/a>. Our experts will provide you with the best advice. Give us a call at <span style=\"color: #3366ff;\">8750008585<\/span> and send your query on Email:<a href=\"mailto:contact@legalraasta.com\" target=\"_blank\" rel=\"noopener noreferrer\"> contact@legalraasta.com<\/a>.<\/p>\n<blockquote><p>Related Articles:<\/p>\n<p><a href=\"https:\/\/www.legalraasta.com\/blog\/payment-gateways-in-india\/\" target=\"_blank\" rel=\"noopener noreferrer\">Know your best Payment Gateways in India and what is its role in E-Commerce<\/a><\/p>\n<p><a href=\"https:\/\/www.legalraasta.com\/blog\/pan-card-form\/\" target=\"_blank\" rel=\"noopener noreferrer\">PAN Card form: Form 49A &amp; Form 49AA<\/a><\/p>\n<p><a href=\"https:\/\/www.legalraasta.com\/blog\/voter-id-status\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;How to check the status of your Voter ID?&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:15233,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:2,&quot;11&quot;:0,&quot;12&quot;:0,&quot;14&quot;:[null,2,0],&quot;15&quot;:&quot;Calibri, sans-serif&quot;,&quot;16&quot;:11}\">How to check the status of your Voter ID?<\/span><\/a><\/p><\/blockquote>\n<p>&nbsp;<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>UPI full form UPI stands for Unified Payments Interface which is a payment system that allows users to link more than one bank account in a single smartphone app as well as make it possible to transfer fund without having to provide IFSC code or account number. This is considered as the real-time payment system where [&hellip;]<\/p>\n","protected":false},"author":15,"featured_media":17035,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[558],"tags":[1116,1117,1112,1111,1114,1115,1113,1099,1110,1109,1107,1097,1105,1101,1106,1102,1103,1104,1108,1118,1100,1098],"class_list":["post-17009","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-others","tag-banks-using-upi-facilities","tag-faqs-on-upi","tag-features-of-upi","tag-google-pay-upi","tag-how-to-make-payments-using-upi","tag-how-to-receive-payments-using-upi","tag-how-to-register-on-upi-app","tag-how-to-use-upi","tag-upi-app","tag-upi-card","tag-upi-frauds","tag-upi-full-form","tag-upi-full-form-in-bank","tag-upi-full-form-in-hindi","tag-upi-full-meaning","tag-upi-full-name","tag-upi-fund-transfer","tag-upi-fund-transfer-limit","tag-upi-id","tag-upi-meaning","tag-upi-number","tag-upi-pin"],"acf":[],"yoast_head":"<!-- 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