Here's How You Can Find Your UPI ID On Popular Payment Apps

What Is UPI ID?

UPI ID, full form Unified Payments Interface Identification, is a unique identifier that allows for the easy sending and receiving of payments within India's UPI (Unified Payments Interface) system. Developed by the National Payments Corporation of India (NPCI), UPI facilitates instant money transfer between bank accounts via a mobile platform. A UPI ID, also called a Virtual Payment Address (VPA), essentially acts like an email address for your money.
 

Key Benefits Of UPI ID

• Simplicity: A UPI ID can be as simple as your phone number or name followed by the handle of your UPI service provider. UPI ID examples include phonenumber@upi, yourname@sbi, 9812345678@apl, etc.
• Security: Using a UPI ID to make transactions means you do not have to share your bank account details or other sensitive financial information.
• Versatility: UPI IDs can be used to pay utility bills, make in-store payments, pay for online shopping, or even make donations.
• Instant Transfers: Payments through UPI are instant and can be done 24/7, including weekends and holidays.
• Multiple Bank Accounts: A single UPI app can link multiple bank accounts, so you can manage all your transfers and balances from a single interface.
• No Need For Bank Details: Only the recipient's UPI ID is necessary to make a payment. There is no need to enter lengthy account numbers or IFSC codes.

How It Works

1. Set-Up: To use UPI, you must first create a UPI ID linked to your bank account. This is typically done through your bank’s mobile app or any third-party app supporting UPI, like Google Pay, PhonePe, Paytm, etc.
2. Make A Transaction: You need the recipient's UPI ID to send money. Enter the ID, the amount, and a description for the transaction (if required), and submit.
3. Authentication: Authenticate the transaction using a PIN (Personal Identification Number) created when setting up your UPI account.

How To Find UPI ID In Some Of The Most Popular Apps

1.  Google Pay

To find your UPI ID on GPay, follow these steps:

• Open the Google Pay app
• In the top right corner, tap on your profile picture
• Click on “Bank accounts”
• Tap the bank account whose UPI ID you want to view
• You will find all Google Pay UPI IDs associated with that bank account under “UPI IDs”

2.  Phone Pe

• Open the PhonePe app
• In the top left corner, tap on your profile picture
• Click “MY BHIM UPI ID,” and you will find your unique ID. It will be your phonenumber@ybl

3.  Paytm

• Open the Paytm app
• Click on the “UPI ID” section just below the ad.
• You will find your UPI ID and QR code in the first section of the page. The UPI ID will be your phonenumber@paytm (as mentioned above)

4.  BHIM

• Open the BHIM app
• Click on “Profile” on the homepage
• You will find the UPI. It will be your registeredmobilenumber@upi

5.  Mobikwik

• Open the Mobikwik app
• Tap the bank account whose UPI ID you want to view at the top right corner
• The ID will yourmobilenumber@ikwik

Conclusion

UPI has revolutionised the digital payments landscape in India by making it easy, quick, and safe to transfer money electronically between parties. This system supports peer-to-peer (P2P) and peer-to-merchant (P2M) transactions, significantly enhancing the ease of conducting financial transactions for everyday needs.

Now, you can use your mobile payment apps to make payments on Grip Invest.  

FAQ's On  How You Can Find Your UPI ID

1. Can I have multiple UPI-IDs for the same bank account?
Yes — many UPI apps allow you to create more than one UPI-ID (virtual payment address) linked to the same underlying bank account or across accounts.

2. What happens if I forget or lose my UPI-ID?
You can retrieve your UPI-ID from the UPI app: go to profile or bank account section and you should see all your linked UPI-IDs.

3. Is the UPI-ID unique across all apps or can different apps use different IDs for me?
Different apps may allow different UPI-IDs for you, even if you link the same bank account; uniqueness is per app/alias, so you might end up with multiple IDs across apps.

4. Can I change or customise my UPI-ID after creation?
Yes — many apps let you choose a custom alias (like yourname@bank) or change your UPI-ID later (subject to the app’s rules).

5. Does my UPI-ID automatically link to all my bank accounts or only one?
Usually only one account is linked when you set up. If you add more bank accounts in the app, you may choose to use the same UPI-ID or create separate ones per account depending on the app.

6. Will someone else be able to send money to me if they know my UPI-ID but not which bank I am using?
Yes — as long as the UPI-ID is valid and active, money can be sent to you even if the sender doesn’t know your bank details; the funds will be routed to the bank account linked to that UPI-ID.

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