Make your payments Easy! Simple! Hassle Free!
Utkarsh UPI is a simple and secure method of sending and receiving money through UPI ID or Account Number-IFSC or QR Code.
You can collect payments through UPI ID or QR code using the Collect feature in the app. The application provides you the feature of creating mandate as well as instant Merchant Payments safely and instantly.
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Download for Android: click here to download Utkarsh UPI app.
Download for iOS: click here to download Utkarsh UPI app.
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1 reward point on every
100 spends on debit cardGet
1 reward point on every
100 spends on debit cardGet
Cash withdrawal on Utkarsh Bank ATMs
24*7 Payment Facility
Send, Receive and Collect Money
Pay instantly through QR/ UPI ID/ Account Number-IFSC.
Download/Share QR
Facility for Creating Mandate
Safe and Secure Payments
Merchant Payments
Download/Share Invoice
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
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.
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?
Interest Rate 8.00% |
Interest Earned 3,50,452 |
Maturity Value 13,50,452 |
Maturity Date 20 Apr 2023 |
(Indicative interest rates for calculation only. click here for latest rates.) |
UPI is an instant payment interface developed by NPCI for sending/receiving funds instantly.
UPI PIN is a 4-digit passcode user create/set during first time registration with UPI app. User have to have to enter UPI PIN to authorize all Bank.
In case someone forgets the UPI PIN, he needs to re-generate a new UPI PIN using his debit card details (the last six digits of their debit card & expiry date).
In case user enters wrong UPI PIN, transaction will fail. If wrong UPI PIN entered more than 3 times, users UPI will be blocked for 24 hours.
The Multi-factor Authentication feature for initiating any transaction ensures adequate safety.
No, other Bank customers can also register on Utkarsh UPI.
Yes, Mobile number is mandatory in Utkarsh UPI for registration while email id is optional.
No. User has to select SIM for their RMN as part of the registration process.
VPA is a unique identifier, which is linked with an individual's Bank account.
You can generate VPA/UPI ID from suggested options or you may enter your desired VPA while registering for Utkarsh UPI.
All payments are instant and 24x7, even beyond banking hours.
No. You cannot stop payment instructions for Funds Transfer request initiated through UTKARSH UPI application.
A maximum of 3 VPAs can be added under Utkarsh UPI.
Yes, after deregistering from Utkarsh UPI, you are required to register again if you subsequently decide to once again avail the services under Utkarsh UPI.
Yes, you need to register again whenever you change your handset / SIM.
In case you are unable to find your account number associated with your mobile number, you may contact your respective Bank's nearest branch or call center.
In case of Virtual ID transaction, the beneficiary needs to have a Virtual ID and in turn be registered with UPI but in case of Account + IFSC or QR, the beneficiary need not be registered for UPI.
A QR code consists of black squares arranged in a square grid on a white background, which can be read by an imaging device such as a camera. QR Code contains information about the item to which it is attached.
Yes, you can download/share your QR code from "My Profile" or VPA Management.
You can see your transaction history on clicking "View All" on the homepage.
As and when a transaction is effected, a message will be sent to your Registered Mobile Number. You can also view all your transactions under the "View All" functionality of Utkarsh UPI application.
For all successful transactions, funds are credited to the beneficiary account instantly.
In case of a failed transaction, the money (if debited) will be credited to your account instantly. In case of timed-out transactions, amount will be settled to the beneficiary account or Remitter account within 2 working days. The Bank's view in the determination of "failed" status of a transaction will be final.
Yes, you can add a beneficiary in Utkarsh UPI application.
Follow the path: Select Pay->Beneficiary VPA->Remove the desired VPA
Using this feature user can initiate a request for funds from another person registered on the UPI platform.
Yes, merchants can also use the Utkarsh UPI Application after registering under "I am Merchant" functionality.
With this feature, you can pre-authorize a transaction, for debit from your bank account later. UPI mandate is to be used in scenarios where money is to be transferred later; however, the commitment towards that is to be done now. It is possible that the sender may forget to send money later so s/he creates a mandate or for a service/merchant payment wherein this functionality may be required. The customer's account shall be debited when the mandate is executed.
Open Utkarsh UPI application -> Click UPI Mandate -> My Mandates -> Execute.
Open Utkarsh UPI application -> View All -> Select Failed Transaction -> Raise Dispute.
Earn up to 7.75 %* on your Savings Account and get interest credited quarterly
Earn interest rates up to 8.50 %* p.a. and 9.10 %* p.a. for Senior Citizens
Get Loan amount upto
10 Crores with Flexible Tenure upto 15 yearsTurn your surplus funds into security, for a better tomorrow
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