How Do I Find My Unique Payment Identifier (UPI Id) in Different Payment Systems?

2023-04-07 03:39:55 - Grace Browns Grace Browns has been a lifestyle, fashion, and beauty writer for over 5 years, and she currently serves as a senior editor at

Digital banking has been widely adopted by the Indian banking system. In the late 1990s, ICICI bank was among the first to provide its customers with digital banking products and services. Most of today's top private banks provide their full menu of services online, making it possible for customers to open an account and conduct banking business from the comfort of their own homes. The Boston Consulting Group predicted that by FY 2020-21, more than 15 crore people would use online banking. Digital payments have grown in popularity thanks to the government's push toward a cashless economy and ongoing efforts to expand access to high-speed internet. UPI The revolution in digital payments relies heavily on transactions. As per the NPCI According to a new study by the National Payments Corporation of India, nearly a rd of Indian households now make use of digital payments.  

To what extent were you aware

There were 540 There were 5.0 billion UPI transactions in March'22, worth ,000,000,000. UPI, which was introduced by NPCI around the middle of 2016, has quickly become the standard method of payment for both commercial and personal exchanges due to its convenience and accessibility. If you're wondering, "How are UPI Ids different from those issued by banks and other third-party apps?" help me locate my UPI number!

UPI ID Definition

UPI   means Common Transaction Language The Unified Payments Interface (UPI) allows users to send and receive money electronically. Email for Online Bill Pay (VPA) Customers' bank accounts are either credited or debited instantly.  

The vast majority of private banks and virtually all public sector banks provide UPI services to their customers. However, UPI is more popular on third-party apps like Google Pay, BHIM, and Paytm

You need a UPI ID, also known as a Virtual Payment Address (VPA), in order to make or receive payments through UPI. Anyone with a UPI Id and an account at a UPI-enabled bank can send or receive funds without disclosing their full account number or routing number. The UPI Id is all that is needed for the user to receive funds in their linked bank account from the payer.

UUIDs may vary between applications. A UPI ID generated by Paytm, for instance, looks like this: [email protected]. The UPI may be used in other apps where   banks' discretion   connected with the bank account, such as name/username@bankname

You May Also Enjoy: A Compendium of UPI Payment Apps

Finding Your UPI Number

You can be identified on UPI by your UPI ID. Your name @ bank name or your bank username @ bank name is the standard format.

Many different UPI Apps are designed for use on mobile devices. Besides BHIM App, many private and public sector banks offer their own UPI payments app Google Pay, Phone Pe, Paytm, Mazon Pay, and Freecharge are just a few examples of popular third-party apps. For UPI transactions, each of these apps collaborates with a financial institution, whose UPI handle is then used.

Okaxis, ybl, okhdfc, oksbi, icici, kotak, and paytm are just some of the many examples.   

UPI and Mobile Applications

UPI is widely used for app purchases. The most downloaded apps that support UPI are:

  1. Google Pay
  2. BHIM
  3. Paytm
  4. Phone Pe
  5. Mobikwik
  6. SBI Pay
  7. Axis Pay
  8. BOB UPI
  9. iMobile
  10. Freecharge

These UPI applications are crucial to the success of digital payments in India. In the wake of the recent C-19 pandemic, when families were unable to leave their homes to buy necessities, cashless transactions using UPI apps proved to be a great help. Online shopping with UPI payment has become increasingly popular among citizens across the country. As life and the economy in the country return to normal, digital payments have continued, albeit on a smaller scale.

A Guide to Verifying Your UPI Number Across Multiple Methods of Payment

We'll analyze Finding Your UPI Number on a few widely used apps  

The a) Google Pay UPI ID Location There are many people who use the UPI payment app Google Pay.  

  1. Release the Google passcode or use fingerprint/pattern authentication to enter the Google Pay app.
  2. To access your profile, select the gear icon in the top right.  
  3. The UPI number and the default bank account are displayed.
  4. Select "edit" on the bank account you want to add or change within the App.
  5. Choose your preferred banking institution's Twitter handle from @okaxis, @okicici, @okhdfcbank, or @oksbi. It's important to remember that only the bak handler, and not the id preceding the handler, can be modified.

Where to locate your UPI ID in the BHIM App:  

  1. Launch the BHIM app and sign in using the 4-digit App passcode.
  2. You can access your profile by selecting it from the main screen's drop-down menu.
  3. UPI IDs are now displayed alongside QR Codes on the screen.
  4. To add a new UPI, click the Add new UPI ID button in the top right.
  5. Simply submit your selected UPI ID below. We'll take it if it's on hand.
  6. The default UPI ID can be any valid UPI ID.  

See Also: 105 Banks, Including SBI and HDFC, Will Have a 2022 UPI Transaction Cap

c) Paytm app UPI ID location instructions:  

  1. Launch the BHIM app on your mobile device.
  2. Enter your app's passcode or your phone's pattern/password to log in.
  3. To access your profile, swipe left to access the menu, then tap the profile icon.
  4. Select "Settings" from the main menu.
  5. Select the Saved Payment Details option under Payment Settings.
  6. The Paytm app makes it possible to see both the UPI ID and the associated bank account.
  7. Currently, Paytm doesn't allow you to make a new UPI ID.

d) A Guide to Obtaining a Phone Pe UPI ID:

  1. Launch the Phone Pe mobile app.
  2. Use your App ID or fingerprint to log in.
  3. Click on your profile picture in the upper left corner of the screen.
  4. Tap on the This is My BHIM UPI ID choice on the new page
  5. Your bank's associated UPI ID is now available to the public.
  6. To add a different UPI, select "Add new BHIM UPI ID." ’
  7. It's worth noting that you can add up to three UPI IDs. Payments can be made or received, but only after one default is chosen.

e) The Mobikwik UPI ID Locator Guide : 

  1. Download and launch Mobikwik.
  2. If you want to find your UPI ID, click the bank logo in the upper right corner of the page.
  3. The UPI ID is your mobile number that you used to sign up for the service, followed by @ikwik.  
  4. Mobikwik makes locating your UPI ID much easier than it is with the other UPI apps.

Due to its ease of use, the Mobikwik UPI App has gained a large user base for making UPI transactions.

f) Which is my UPI number? online at Amazon:

  1. Launch the Amazon mobile app.
  2. To access your account, swipe left to open the menu.
  3. Select the'button from the Amazon Pay section. "Amazon Pay UPI" new page option
  4. Using the Amazon mobile app, a QR code, or a linked bank account, you can view the UPI ID.
  5. Select the "Create new UPI ID" button to make a new UPI ID.
  6. Select a new UPI and then click the button labeled "Create New UPI ID."
  7. Three Unique Payment Identifiers (UPI IDs) can be made, but only one can be used as the default for all future payments.

g) How do I verify my UPI number? in SBI:

  1. Launch the SBI Yono Lite App on your mobile device.
  2. Plug into BI Yono Lite with MPin.
  3. At the very top of the display, you’ll notice the UPI transfer option.


UPI payments have quickly become the digital payment method of choice. As mobile internet coverage and bandwidth continue to expand, this trend is no longer relegated to urban areas; it is now being adopted by people in rural areas as well. There is now a mobile phone in nearly every Indian home. People's familiarity with UPI payment is growing as they discover its convenience when making purchases. UPI solution providers are aware of the commercial opportunities and audience expansion possibilities presented by the rise of digital payment systems. Nearly every company, online or off, now accepts UPI payments to make doing business easier for their customers.  

If you're interested in micro, small, and medium-sized enterprises (MSMEs), business advice, income tax, and more, Khatabook is the place to go. GST and financial records

  • 10th Grade Science: Life Processes with Complimentary Ncert Solutions
    10th Grade Science: Life Processes with Complimentary Ncert Solutions 2023-07-25 00:51:45

    Solution: The inner lining of the small intestine undergoes a structural modification, forming villi, which are finger-like projections. These villi serve to increase the surface area for the absorption of digested food. Furthermore, they have a high vascularity, meaning they are well-supplied

  • Creating a Lovely and Simple Homemade Rakhi
    Creating a Lovely and Simple Homemade Rakhi 2023-07-25 00:50:08

    Creating Your Own Homemade RakhiThe glimmer in your eyes and the fervent desires in your heart paint a clear picture: you're filled with ideas for surprising your loved ones on Raksha Bandhan! Are you aware of what that entails? It means that Raksha Bandhan is fast approaching, leaving us with limited

  • 10th Grade Science Life Processes: Access Ncert Solutions for Free
    10th Grade Science Life Processes: Access Ncert Solutions for Free 2023-07-25 00:03:33

    Solution: The inner lining of the small intestine undergoes a transformation into tiny finger-like projections known as villi that enhance the surface area for the absorption of digested food. These villi are abundantly supplied with blood vessels, making them highly vascularized. Additionally,

  • 10 Years - Information on Wikipedia
    10 Years - Information on Wikipedia 2023-07-24 02:56:26

    A decade, which comes from the Ancient Greek word δεκάς (dekas) meaning 'a group of ten', is a span of ten years. Decades can refer to any period of ten years, whether it is someone's lifespan or a specific grouping of calendar years.Usage:Any period of ten years is considered a "decade". For

Showing page 1 of 43