{"id":14884,"date":"2026-06-09T10:42:59","date_gmt":"2026-06-09T10:42:59","guid":{"rendered":"https:\/\/lemonn.co.in\/blog\/?p=14884"},"modified":"2026-06-09T10:43:00","modified_gmt":"2026-06-09T10:43:00","slug":"upi-id-how-to-create-find-use","status":"publish","type":"post","link":"https:\/\/lemonn.co.in\/blog\/finance\/upi-id-how-to-create-find-use\/","title":{"rendered":"UPI ID: How to Create, Find & Use It Across All Apps"},"content":{"rendered":"
\"UPI<\/figure>\n\n\n

UPI has transformed digital payments in India, making it possible to transfer money instantly using just a mobile phone. At the heart of every UPI transaction is a UPI ID<\/strong>, also known as a Virtual Payment Address (VPA).<\/p>\n\n\n\n

Whether you’re using PhonePe, Google Pay, Paytm, BHIM, or another UPI app, understanding how a UPI ID works is essential for sending and receiving money securely.<\/p>\n\n\n\n

In this guide, you’ll learn what a UPI ID is, how to create one, where to find it, and how to use it across different UPI apps.<\/p>\n\n\n\n

What Is a UPI ID?<\/h2>\n\n\n\n

A UPI ID (Unified Payments Interface ID) is a unique virtual address linked to your bank account that allows you to send and receive money without sharing sensitive banking details.<\/p>\n\n\n\n

Instead of providing:<\/p>\n\n\n\n

    \n
  • Account number<\/li>\n\n\n\n
  • IFSC code<\/li>\n\n\n\n
  • Branch details<\/li>\n<\/ul>\n\n\n\n

    you can simply use your UPI ID.<\/p>\n\n\n\n

    Examples of UPI IDs<\/h3>\n\n\n\n
      \n
    • mobilenumber@upi<\/li>\n\n\n\n
    • name@oksbi<\/li>\n\n\n\n
    • username@okaxis<\/li>\n\n\n\n
    • mobilenumber@ybl<\/li>\n\n\n\n
    • username@paytm<\/li>\n<\/ul>\n\n\n\n

      Each UPI ID is unique and linked to a bank account.<\/p>\n\n\n\n

      How Does a UPI ID Work?<\/h2>\n\n\n\n

      When you register on a UPI-enabled app:<\/p>\n\n\n\n

        \n
      1. Your mobile number is verified.<\/li>\n\n\n\n
      2. Your bank account is fetched automatically.<\/li>\n\n\n\n
      3. A UPI ID is generated.<\/li>\n\n\n\n
      4. A UPI PIN is created.<\/li>\n<\/ol>\n\n\n\n

        Once setup is complete, you can use the UPI ID to:<\/p>\n\n\n\n

          \n
        • Send money<\/li>\n\n\n\n
        • Receive money<\/li>\n\n\n\n
        • Pay merchants<\/li>\n\n\n\n
        • Recharge mobile phones<\/li>\n\n\n\n
        • Pay utility bills<\/li>\n\n\n\n
        • Shop online<\/li>\n<\/ul>\n\n\n\n

          The entire process is handled securely through NPCI’s UPI network.<\/p>\n\n\n\n

          Why Do You Need a UPI ID?<\/h2>\n\n\n\n

          A UPI ID offers several benefits.<\/p>\n\n\n\n

          Convenience<\/h3>\n\n\n\n

          No need to remember lengthy account numbers.<\/p>\n\n\n\n

          Faster Payments<\/h3>\n\n\n\n

          Money transfers happen instantly.<\/p>\n\n\n\n

          Enhanced Privacy<\/h3>\n\n\n\n

          You don’t need to share bank account details with others.<\/p>\n\n\n\n

          24×7 Availability<\/h3>\n\n\n\n

          UPI works round the clock, including weekends and holidays.<\/p>\n\n\n\n

          Multiple Bank Accounts<\/h3>\n\n\n\n

          Many apps allow you to manage multiple accounts through a single platform.<\/p>\n\n\n\n

          How to Create a UPI ID<\/h2>\n\n\n\n

          Creating a UPI ID is simple and usually takes only a few minutes.<\/p>\n\n\n\n

          Step 1: Download a UPI App<\/h3>\n\n\n\n

          Popular UPI apps include:<\/p>\n\n\n\n

            \n
          • PhonePe<\/li>\n\n\n\n
          • Google Pay<\/li>\n\n\n\n
          • Paytm<\/li>\n\n\n\n
          • BHIM<\/li>\n\n\n\n
          • Amazon Pay<\/li>\n\n\n\n
          • Banking apps with UPI support<\/li>\n<\/ul>\n\n\n\n

            Step 2: Verify Your Mobile Number<\/h3>\n\n\n\n

            Use the mobile number registered with your bank account.<\/p>\n\n\n\n

            The app will send an SMS for verification.<\/p>\n\n\n\n

            Step 3: Select Your Bank<\/h3>\n\n\n\n

            Choose your bank from the list.<\/p>\n\n\n\n

            The app will automatically detect eligible accounts linked to your mobile number.<\/p>\n\n\n\n

            Step 4: Create or Select a UPI ID<\/h3>\n\n\n\n

            Most apps generate a default UPI ID automatically.<\/p>\n\n\n\n

            Examples:<\/p>\n\n\n\n

              \n
            • 9876543210@ybl<\/li>\n\n\n\n
            • yourname@okhdfcbank<\/li>\n\n\n\n
            • username@paytm<\/li>\n<\/ul>\n\n\n\n

              Some apps also allow you to customize the ID.<\/p>\n\n\n\n

              Step 5: Set Your UPI PIN<\/h3>\n\n\n\n

              Create a secure UPI PIN using your debit card details and OTP verification.<\/p>\n\n\n\n

              Your UPI ID is now ready to use.<\/p>\n\n\n\n

              How to Find Your UPI ID<\/h2>\n\n\n\n

              Many users forget their UPI ID after setup.<\/p>\n\n\n\n

              Fortunately, finding it is easy.<\/p>\n\n\n\n

              On Google Pay<\/h3>\n\n\n\n
                \n
              1. Open Google Pay.<\/li>\n\n\n\n
              2. Tap your profile picture.<\/li>\n\n\n\n
              3. Select Bank Account<\/strong>.<\/li>\n\n\n\n
              4. View your linked UPI IDs.<\/li>\n<\/ol>\n\n\n\n

                On PhonePe<\/h3>\n\n\n\n
                  \n
                1. Open PhonePe.<\/li>\n\n\n\n
                2. Tap your profile icon.<\/li>\n\n\n\n
                3. Select My UPI ID<\/strong>.<\/li>\n\n\n\n
                4. View all linked IDs.<\/li>\n<\/ol>\n\n\n\n

                  On Paytm<\/h3>\n\n\n\n
                    \n
                  1. Open Paytm.<\/li>\n\n\n\n
                  2. Tap Profile<\/strong>.<\/li>\n\n\n\n
                  3. Go to UPI & Payment Settings<\/strong>.<\/li>\n\n\n\n
                  4. View your UPI ID.<\/li>\n<\/ol>\n\n\n\n

                    On BHIM<\/h3>\n\n\n\n
                      \n
                    1. Open BHIM.<\/li>\n\n\n\n
                    2. Select Profile<\/strong>.<\/li>\n\n\n\n
                    3. View your UPI ID under account details.<\/li>\n<\/ol>\n\n\n\n