Seamless transactions!
Powered by the trust you can bank on

Merchants can also register in Utkarsh UPI application by following these steps:

Step 1: Click "I am Merchant" option on the homepage

Step 2: Enter following details

1. Organization Name
2. Select Business type
3. Alternative Mobile No.
4. Postal PIN Code
5. Email ID
6. Credit Frequency
7. Referral Code( Optional)
8. Communication Address
9. PAN

Step 3: Select account number, where you want to receive funds.

Step 4: Enter the desired VPA or select from suggested VPAs.

Step 5: After successful validation, the confirmation message will be displayed: "Merchant registration done successfully"

Merchants can collect funds through VPA by sharing their VPA and also through QR Code by downloading/sharing their QR Code from VPA Management.

1. Do not share your UPI PIN: Never share your UPI PIN with friends, family members, even someone you trust dearly and your Bankers.  Sharing UPI PIN with anyone makes you vulnerable to frauds. If your UPI PIN has been revealed, please change/reset it immediately.
2. Do not click on unverified links: Fraudsters often send fake messages containing links, on your phone and your email inbox. By sending  these, fraudsters give individuals with lucrative offers and then ask them to enter their confidential credentials such as PIN, OTP, etc.
3. Always remember, your Bank never asks your confidential details such as PIN, OTP etc. to verify your account details.
4. Always remember, if money has to be credited to your Bank account, you will NEVER be asked to enter your UPI PIN.
5. You do not require to scan any QR code to receive money in your Bank account. It may be a 'money collect request' received from a  fraudster to defraud you. DO NOT scan such QR code and enter your UPI PIN to claim any refund/ gifts.
6. Always verify the UPI ID before making any payment to ensure the payment is being made to the actual recipient/ beneficiary.
7. In case of any disputed transaction related concern, please seek help from UPI-help option available within the UPI App or may reach out to   the Bank. You should avoid random help care number from unverified internet sources for seeking help.
8. Keep changing your UPI PIN regularly in order to keep your account safe. More importantly, keep the password confidential all times.
9. Always download legitimate UPI applications from trusted source, be cautious before you download it from App/ Play store.
10. Avoid connecting phones to unsecured wireless networks that do not need passwords to access.
11. Keep track of your financial transactions and Bank account statements, and an eye out for suspicious behaviour on your account. Alert your   Bank immediately if you find something unusual.

click here to know more about offers on Utkarsh UPI.

Step 1: Download Utkarsh UPI app from Google Play Store/Apple App Store.

Step 2: After opening app for first time, a demo will be shown which you can either Skip or click on Next.

Step 3: Select SIM in case of Dual SIM, then enter the Registered Mobile Number.

Step 4: On entering Mobile number, app will trigger a SMS from the number to verify the device details.

Step 5: After successful validation of the details, you will be then asked to enter Personal Details such as: Mobile number (auto-populated) and Name.

Step 6: You will be then asked to enter Account Details. UPI application will give an option to select Bank from a list of Banks.

Step 7: After selecting the Bank, application will fetch the list of accounts linked to your mobile number with the selected Bank.

Step 8: You will be asked to create a VPA or select from suggested VPAs (UPI ID)

Step 9: After successful validation of VPA, create the 6 digit Application Pin using Email or Alternate Mobile Number

Step 10: On successful registration, a confirmation message will be displayed: "Congratulations! Your UPI registration is successful."

How to do transactions in Utkarsh UPI?

1. Set UPI PIN by entering last 6 digits of debit card and expiry date.
2. After setting UPI PIN, you can start doing transactions through VPA, Account/IFSC and QR Code by clicking Pay and Collect in the homepage.
3. You can also Scan QR for doing your transactions.

For complete details on UPI Transaction Limits, please click here.