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Information verified
NPCI Digital Payments
The National Payments Corporation of India operates major retail-payment infrastructure such as UPI, IMPS and RuPay. Customers use these services through participating banks and payment apps.
Finance & Payments
Processing time
Instant
Government charges
Free
Last verified
10 Aug 2026
Before you begin
Eligibility
- ✓ Bank-account holder
- ✓ Mobile number registered with the bank for UPI
Keep these ready
Required documents
01
Active bank account
02
Registered mobile number
03
Debit-card details when required by the selected app
Simple process
How to apply
-
1
Step 1
Choose a trusted UPI-enabled banking or payment app
-
2
Step 2
Verify the bank-registered mobile number
-
3
Step 3
Select and link the bank account
-
4
Step 4
Create a secure UPI PIN
-
5
Step 5
Never share the UPI PIN or OTP