What Is A UPI Number?: How to Create & Delete a UPI Number
If you’re someone who regularly sends or receives money through your phone, you probably already know how convenient UPI is. Digital payments make life much easier, whether you're splitting bills with friends or paying for groceries or transport.
Did you know UPI now handles 85% of India’s digital payment transactions? That’s how deeply it’s changed the way people manage money. That is the extent to which it has altered how individuals handle their finances.
In this blog, we'll explain what a UPI number is, how it functions, and how to safely create or remove one, so you can always be in charge of your finances.
What Is a UPI Number?
A UPI number is simply a string of numbers linked directly to your bank account. If you’re familiar with a standard UPI ID like name@bank, think of this as a numeric version.
To give you an idea, this is what a UPI number looks like: 9112568891@oksbi. The UPI number means you no longer have to deal with long, tricky alphanumeric IDs—it’s much easier to recall and share.
UPI numbers are managed by the National Payments Corporation of India (NPCI), which makes sure they are safe, secure, and compatible with all major banks and applications.
Importantly, the UPI number doesn't replace your UPI ID; it works alongside it. Think of it like a Mobile Money Identifier (MMID): it makes receiving money simple while keeping your account details private.
Whether you’re paying friends or using an instant loan app, having a UPI number makes everything feel effortless.
How Does a UPI Number Work?
Once you have a UPI number, anyone can send you money by entering it in their UPI app. To make it simple for you, this is how it works:
- The system checks which bank account it’s linked to and sends the payment request.
- The transaction is completed quickly and securely after you approve it with your UPI PIN.
- It functions exactly like a standard UPI ID, but it's much easier to memorise.
- Security is top-notch thanks to PIN authentication, device binding, and NPCI monitoring.
- The UPI number also works across all major UPI apps, much like a loan app you can trust to function seamlessly on any device.
It’s perfect for everyday payments, making sure money moves quickly without stress.
How to Create a UPI Number? Step-by-Step Guide
Creating a UPI number is simple if you already have a UPI ID. Here’s how to do it:
- Open your UPI app, such as Google Pay, PhonePe, BHIM, or Paytm.
- Go to your profile or UPI settings.
- Select the option labelled “Create UPI Number” or UPI number create.
- Pick a number from the suggestions or customise one within the allowed limits.
- Confirm your choice by entering your UPI PIN.
- Your UPI number is now active and linked to your bank account.
Also Read: Aadhaar Card UPI Link: Set UPI PIN Without Debit Card
How to Delete or Deregister Your UPI Number Safely
There are instances when you may need to remove your UPI number from your account. You might be switching apps, or you just want to enhance security. If you are aware of how to delete a UPI number, it will make your life easier:
- Open the UPI app where your number is registered.
- Navigate to profile or UPI number management.
- Select “Delete UPI Number” or “Deregister UPI Number”.
- Authenticate using your UPI PIN.
- Confirm the deletion.
After that, the UPI number becomes inactive, but the UPI ID and the bank account remain live. It is wise to check any pending requests before deleting. If you manage payments through a business loan app, take a moment to review everything first; it keeps your transactions safe.
Also Read: How to Unlink UPI from Your Bank Account
What Are the Differences Between a UPI Number and a UPI ID?
Here’s a simple comparison to help you understand UPI ID vs UPI number:
| Aspect | UPI Number | UPI ID |
| Format | Numeric only | Alphanumeric |
| Ease of recall | Very easy | Moderate |
| Usage | Quick sharing | Standard UPI payments |
| Security | Same as UPI ID | Same as UPI ID |
If you want something easy to share and remember, the UPI number is the way to go. Your UPI ID remains perfect for most other payments.
Common Rules and Guidelines for UPI Number Usage
To keep your UPI number working smoothly:
- Follow the numeric format approved by NPCI.
- Link it to an active UPI ID and verified bank account.
- One UPI number per bank account.
- Deleted numbers may not be reusable immediately.
- Follow NPCI and bank rules for security.
Following these simple rules helps avoid mistakes and ensures smooth, hassle-free payments.
Upgrade How You Pay and Plan With Confidence
Using a UPI number makes managing money feel effortless. With easy payments, you can focus on planning and handling unexpected expenses without stress.
And if you ever need fast, reliable financial support alongside seamless digital transactions, Hero FinCorp is here to help. We not only offer flexible personal loan solutions but also make borrowing simple, transparent, and fully digital—so your financial decisions stay in your control every step of the way.
Frequently Asked Questions
Is a UPI number mandatory to make UPI payments?
No, it isn’t. You can keep using your regular UPI ID for payments without any issues.
Can I use my mobile number as my UPI number?
Some apps allow this, but it depends on their policies.
Can one UPI number be linked to multiple bank accounts?
No. Typically, a UPI number links to only one bank account.
How secure is my UPI number during transactions?
It’s very secure. Every transaction requires a PIN, device verification, and NPCI monitoring.
Can I change my UPI number after creation?
No, you cannot edit it. You must make a new one and remove the old one.
If my UPI number is hacked, what should I do?
To secure your account, remove it right away and get in touch with your bank or UPI app support.
Disclaimer: The information provided in this blog post is intended for informational purposes only. The content is based on research and opinions available at the time of writing. While we strive to ensure accuracy, we do not claim to be exhaustive or definitive. Readers are advised to independently verify any details mentioned here, such as specifications, features, and availability, before making any decisions. Hero FinCorp does not take responsibility for any discrepancies, inaccuracies, or changes that may occur after the publication of this blog. The choice to rely on the information presented herein is at the reader's discretion, and we recommend consulting official sources and experts for the most up-to-date and accurate information about the featured products.
