How to Create Your UPI Number Using a Mobile Banking App

To get your UPI ID, download any trusted UPI app from the App Store. It can be Google Pay, PhonePe, BharatPe, BHIM App, or even your Bank's Payment App. 

Pro Tip - Only download apps from verified app stores. Avoid links shared on social media or messages. 

Step 2 - Register With Your Mobile Number Linked to Your Bank Account 

Once you have downloaded the app of your choice, open it and proceed with the registration process. 

For that, verify your mobile number that's linked to your bank account. An OTP (One-Time Password) will be sent for verification on this number.  

Step 3 - Link Your Bank Account in the App Securely 

 After your number is verified, the app will automatically detect your bank account using your mobile number. If you have multiple accounts, just select the one you want to connect to UPI.  

This step is where the magic happens, as the app establishes a direct, secure bridge between your bank and your phone. 

Step 4 - Create and Customize Your UPI ID

Now, create your UPI ID or your Virtual Payment Address through which you will handle the payments. A typical UPI ID looks like yourname@bankname or mobilenumber@upi.  

When setting up this UPI ID, you can customize it to your preference. For example, instead of some arbitrary string, you could choose something as simple as rajiv@axis or anita123@okicici.

Step 5 - Verify and Confirm Your UPI ID 

Once your UPI ID is activated, you will receive a confirmation message on your registered number. To test whether it works, try sending a small amount to a known person and check whether the transaction goes through.

Also Read - How UPI Is Redefining Instant Loan Repayments in India

How to Set or Change UPI PIN for Secure Transactions

Once you have set up your UPI ID, you also need to create your UPI PIN. This is a 4- or 6-digit number you need to use to authorize a transaction and is crucial for your account security.

Here’s how to create a UPI PIN -

Open your UPI app and go to Settings or Linked Bank Accounts.  

Select your connected bank.  

Choose "Set UPI PIN" or "Change UPI PIN", whichever option applies to you.  

Enter the last six digits of your debit card and its expiry date.  

You’ll get an OTP from your bank. Enter it when prompted.  

Create a secure 4- or 6-digit PIN.  

Here's how to change a UPI PIN -

Open your UPI app and go to settings or the profile section.

Choose the bank account and click on the "Change UPI PIN" option.

Enter your old PIN and then the new PIN, and save it.

Alternatively, you can follow the on-screen prompts to verify with your debit card or Aadhaar details if you have forgotten the old PIN.  

Note: Your UPI PIN should not be shared with anyone. If you suspect any breach, change the PIN immediately.  

How to Find Your UPI ID in Different Apps

Kowing where to find your UPI ID is useful when you need to share it to receive payments. Here's how you can find it if you do not recollect it or have forgotten it:

BHIM UPI App

Open the app and look at the top of your home screen. Your UPI ID is typically displayed prominently, making it easy to spot. If not, tap on the Profile or My Info section.

PhonePe App

Tap your profile picture in the top left corner. Under My UPI IDs, you’ll see all your active IDs listed. If you’ve linked multiple bank accounts, each will have a separate UPI handle.

Google Pay

Tap your profile picture, usually located in the top right corner. Your primary UPI ID will appear just below your name. You can also view multiple IDs under 'Bank accounts'.

Also Read- How UPI is defining Instant Loan Repayments in India

Pay your Loan EMI Using UPI Number  

Once you have set up your UPI ID, you can easily send money, receive funds, and even pay your bills or utility payments online. With UPI, it is as effortless as sending a message, and it is completely secure and transparent.

The best part is that you can even use UPI to pay your loan EMI in just a few seconds. With trusted platforms like Hero FinCorp, you cannot just pay one instalment using UPI but also set up UPI AutoPay, ensuring you never miss any payment deadlines.

So the next time your personal loan EMI is due, you don’t have to worry. Just use your UPI ID to make the payment in seconds or set up autopay, ensuring that you never miss an EMI and can live your life with confidence.

Frequently Asked Questions

1. What is the difference between UPI ID and UPI PIN?

Your UPI ID is more like a bank account number that helps you to send or receive money. Your UPI PIN is secret, and it is a 4-or 6-digit number, which you will need to enter every time you authorize a transaction.

2. Can I create multiple UPI IDs with one bank account?

Yes, UPI applications provide the facility of creating more than one UPI ID against a bank account. It also allows linking more than one bank account to a single UPI application.

3. Is the UPI ID the same across different apps?

Not always. Each app usually gives you its own version of a UPI ID, even if they’re all linked to the same bank account. For instance, the BHIM app might generate something like yourname@upi, while Google Pay could create yourname@okicici.

4. Can I change my UPI ID after creating it?

No. While some apps let you choose your own username when you set up your UPI ID, you cannot change it after it has been activated. So it’s worth taking a few extra seconds to pick something simple, personal, and easy to remember.