What Is My UPI ID and Where Can I Locate My UPI ID If I Use a Different Payment Service?

2023-01-16 01:58:37 - 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 422346.com.

Digital banking has been widely adopted by India's financial institutions. ICICI bank was the first to provide its customers with digital banking products and services, which it began doing in the late 1990s. 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. According to the Boston Consulting Group's report, there will be more than 15 crore users of online banking in FY 2020-21. The government's long-term goal of creating a cashless economy, combined with ongoing initiatives to expand access to high-speed internet, have led to the widespread adoption of digital payment methods. UPI The revolution in digital payments relies heavily on transactions. As per the NPCI According to a recent study by the National Payment Corporation of India, nearly a rd percent of Indian households have adopted digital payment methods.  

Really, Did You Know

On the other hand, India only had 540 In March of this year, there were 5 billion UPI transactions worth 96,000,000,000. 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?" where can I look up my UPI number?


UPI ID Definition: What Is It?

UPI   acronym For Unified Payment Interface UPI, or Unified Payments Interface, is a digital payment system that allows users to receive and transfer funds through a Invisible Mailing Address for Electronic Transactions (VPA) The transaction is processed by electronically transferring funds to or from the customer's bank account.  

UPI services are available at all the major public sector banks and at most private banks. Third-party apps like Google Pay, BHIM, and Paytm have helped popularize UPI.

If you want to make a payment or receive funds using UPI, you'll need a UPI ID, also known as a Virtual Payment Address (VPA). Users can securely transfer funds between their bank accounts using their UPI Ids and any UPI-enabled bank. To have funds transferred to their bank account, all the user needs is their UPI Id to present to the payer.

UUIDs may vary between applications. A UPI ID generated by Paytm, for instance, looks like this: ph[email protected]. The UPI ID may also be used in other apps.   rely on the financial institution   to the account, such as name>username>bankname

You May Also Enjoy: A Compendium of UPI Payment Apps

What You Need to Know About Your UPI Number

Your UPI ID is your one and only address on UPI. Typically, it will look something like yourname@bankname or username@bankname.

Mobile users can choose from a plethora of UPI Apps. Besides BHIM Several commercial and government financial institutions each offer their own UPI payments app. Many people also use third-party apps like Google Pay, Phone Pe, Paytm, Mazon Pay, and Freecharge. Each of these apps has a banking partner that processes UPI transactions, and each of those banking partners has its own unique UPI handle that is used by the app.

Take the following accounts as an illustration: @okaxis, @ybl, @okhdfc, @oksbi, @icici, @kotak, and @paytm   

Electronic Payments and Mobile Applications

UPI is widely used for app purchases. This list includes the most downloaded UPI-enabled apps:

  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 apps are crucial for enabling cashless transactions in India. During the recent C-19 pandemic, when families were hampered in their ability to go out and shop for necessities, cashless transactions using UPI Apps proved to be a real boon. UPI payment has been adopted by citizens all over the country, who are increasingly making their purchases online. Digital payments have continued, albeit on a smaller scale, as life and the county's economy have returned to normal.

Methods for Verifying Your UPI Number Across Multiple Methods of Payment

Today, we're going to investigate where to look up a UPI some well-known apps  

Finding your UPI ID in Google Pay a) One of the most widely adopted UPI payment apps is Google Pay.  

  1. Launch the Google Pay app and sign in with your Google account credentials or fingerprint/pattern scan.
  2. To access your profile, select the gear icon in the upper-right corner.  
  3. There will be a screen that displays the UPI number and the default bank that has been set up.
  4. If you want to make a modification to an existing bank account or add a new one, select the account and then click "edit."
  5. Choose your preferred banking institution's Twitter account 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.


b) BHIM App UPI ID Location:  

  1. Launch the BHIM app and enter the 4-digit App passcode to sign in.
  2. Use the main screen's profile icon (found near its footer) to edit your information.
  3. UPI identifiers are now displayed alongside QR codes.
  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. Provided that it is accessible, it will be accepted.
  6. The default UPI ID can be changed to any valid UPI ID.  

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


In the Paytm app, c) Locating Your UPI ID  

  1. Launch the BHIM mobile application.
  2. Enter your app's passcode or your phone's pattern/password to log in.
  3. Just swipe left to access the menu, then tap the profile icon.
  4. Simply select "Settings" from the menu.
  5. Select the Save Payment Information option under Payment Settings.
  6. The UPI ID and associated bank account are both viewable within the Paytm app.
  7. At the present time, Paytm does not allow for the generation of a new UPI ID.


The UPI ID can be located in Phone Pe, as shown in part (d).

  1. The mobile phone's Phone Pe program can be accessed by pressing its home button.
  2. Enter your App ID or authenticate with a fingerprint.
  3. Select the user profile by clicking on their image in the upper left corner of the screen.
  4. Tap on the To Create My BHIM UPI ID choice on the new page
  5. At this time, you can see the UPI ID that is associated with your bank account.
  6. Click the "Add new BHIM UPI ID" button to add a new UPI. ’
  7. It's worth noting that up to three UPI IDs can be added. Payments can be made or received, but only if one default is chosen.


How to Look Up Your UPI ID in Mobikwik : 

  1. Start up the Mobikwik mobile application.
  2. A user's UPI ID can be found by tapping their bank account in the top right corner of the page.
  3. Your UPI ID is your registered phone number on the platform, followed by @ikwik.  
  4. Mobikwik makes it easier to locate your UPI ID than any of the competing 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? PayPal in Amazon Payments:

  1. Launch the Amazon mobile app.
  2. Just swipe left to access the menu, then tap "Your Account."
  3. Choose the'button from the Amazon Pay menu. UPI (Amazon) Payments choices on the new page
  4. The UPI ID is displayed in the Amazon app, the Quick Response code, and the associated bank account.
  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. There is a limit of three unique payment identifiers (UPI IDs) that can be created, but only one can be set as the default for all payments.


g) Here's How I Can Verify My UPI ID in SBI:

  1. Launch the SBI Yono Lite mobile application.
  2. BI Yono Lite App, please introduce MPin
  3. UPI's money transfer option is prominently displayed at the top of the screen.



UPI transactions are currently the most popular form of digital payment. As mobile internet coverage and bandwidth continue to expand, this trend will be felt outside of urban centers. Almost every Indian family now has a mobile phone. The convenience of using UPI payment to buy goods and services is growing as more and more people become aware of it. UPI solution providers are aware of the revenue opportunities and growing customer bases associated with the rise of digital payment methods. 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 where you need to be. GST payroll, and financial-bookkeeping

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