Utkarsh SFB UPI Setup: How to Activate and Use UPI Payments

Utkarsh SFB UPI Setup: How to Get Started with UPI Payments

You can set up UPI on your Utkarsh Small Finance Bank account through the Utkarsh Mobile Banking app or any third-party UPI app like BHIM, Google Pay, or PhonePe. Once set up, you can send and receive money instantly using your UPI ID, 24 hours a day.

How to Set Up UPI via Utkarsh Mobile Banking App

1. Download and open the Utkarsh Mobile Banking app.
2. Log in with your MPIN.
3. Go to the UPI or Payments section.
4. Select Create UPI ID.
5. Choose your preferred UPI ID (e.g., yourname@utkarsh).
6. Link your Utkarsh SFB savings account to the UPI ID.
7. Verify your debit card details (last 6 digits and expiry date).
8. Set a 4 or 6-digit UPI PIN using your debit card credentials and OTP.
9. Your UPI ID is now active and ready to use.

How to Add Utkarsh SFB Account on Google Pay or PhonePe

1. Open Google Pay or PhonePe on your phone.
2. Go to Bank Accounts and tap Add New Bank Account.
3. Select Utkarsh Small Finance Bank from the list.
4. The app will auto-detect your registered mobile number and link your account.
5. Set your UPI PIN using your Utkarsh SFB debit card details and OTP.

Your Utkarsh SFB UPI ID Format

Your default UPI ID through the Utkarsh app typically looks like: mobilenumber@utkarsh. You can customise it once the account is linked.

Key Takeaways

• UPI setup on Utkarsh SFB works via the Utkarsh Mobile Banking app or third-party apps.
• You need your debit card details and OTP to set the UPI PIN.
• UPI transactions are free and instant, available 24/7.
• UPI daily transaction limit at Utkarsh SFB is up to Rs. 1 lakh per RBI guidelines.
• For UPI-related issues, call 1800 123 0250.

Frequently Asked Questions

What is the UPI transaction limit for Utkarsh SFB accounts?

Per NPCI guidelines, the standard UPI limit is Rs. 1 lakh per transaction per day. Some categories like UPI 123Pay may have different limits.

Do I need a debit card to set up UPI on Utkarsh SFB?

Yes. Your debit card details (last 6 digits and expiry date) are needed to set the initial UPI PIN for security.

Can I use UPI on a Utkarsh SFB zero balance account?

Yes, as long as the account is active and linked to a registered mobile number, you can set up and use UPI.

Is the Utkarsh UPI ID different from the one on Google Pay?

They can be different. The Utkarsh Mobile Banking app assigns a bank-specific UPI ID (like @utkarsh), while Google Pay may use a different suffix (@okicici or @oksbi). Both work the same way for payments.