Axis Bank UPI

Last Updated : July 14, 2025, 6:06 p.m.

Unified Payments Interface (UPI) has revolutionized digital payments in India, offering a seamless, secure, and instant way to transfer money. Axis Bank, a pioneer in adopting UPI, provides a robust platform through its BHIM Axis Pay app and Axis Mobile Banking app, enabling users to send and receive money effortlessly. This article explores the benefits, features, and step-by-step processes for using Axis Bank UPI, along with key details on transaction limits, mandates, and customer support.

Benefits and Features of Axis Bank UPI

Axis Bank UPI offers a range of advantages that make it a preferred choice for digital transactions:

• Instant Transactions : UPI enables real-time money transfers, ensuring funds are credited or debited instantly, even on weekends and holidays.
• Unified Platform : Link multiple bank accounts to a single app, allowing seamless management of finances across accounts.
• No Transaction Fees : Axis Bank UPI transactions, including peer-to-peer (P2P) and peer-to-merchant (P2M) transfers, are free of charge for users.
• Simplified Payments : Use a Virtual Payment Address (VPA) or UPI ID instead of sharing sensitive bank details like account numbers or IFSC codes.
• Versatile Usage : Pay bills, recharge mobiles/DTH, shop online, or transfer money to friends and merchants with ease.
• Enhanced Security : Two-factor authentication (device binding and UPI PIN) ensures secure transactions.
• QR Code Payments : Scan QR codes for quick payments at stores or online platforms.
• 24/7 Availability : Transactions can be performed anytime, anywhere, with no dependency on banking hours.
• Credit Card Integration : Link Axis Bank RuPay Credit Cards to UPI for merchant payments, earning reward points without additional fees.

How to Register Axis Bank UPI?

Registering for Axis Bank UPI is a straightforward process. Follow these steps to get started with BHIM Axis Pay or Axis Mobile Banking app:

1. Download the App : Install the BHIM Axis Pay UPI app or Axis Mobile Banking app from the Google Play Store or Apple App Store.
2. Verify Mobile Number : Select the mobile number registered with your bank and click "Proceed." Ensure the SIM is in the primary slot with an active data/SMS plan.
3. Set Passcode : Enter your name, email ID, and a 6-digit passcode for app access. Re-enter the passcode to confirm.
4. Select Bank Account : Choose your bank (Axis Bank or any UPI-enabled bank) and select the account to link.
5. Create UPI ID : Set a unique VPA/UPI ID (e.g., yourname@axisbank) for the selected account.
6. Set UPI PIN : Enter your debit card details (last 6 digits and expiry date) and OTP to create a 6-digit UPI PIN for transaction authentication.
7. Complete Registration : A confirmation message will appear, indicating successful registration. You’re now ready to send or receive money.

How to Transfer Money Using Axis Bank UPI?

Sending money via Axis Bank UPI is quick and secure. Here’s how to do it:

1. Log In : Open the BHIM Axis Pay or Axis Mobile Banking app and log in using your passcode.
2. Select Send Money : Choose the "Send Money" or "Pay" option from the home screen.
3. Enter Recipient Details : Input the recipient’s UPI ID, mobile number, or scan their QR code. Alternatively, use their account number and IFSC if the UPI ID is unavailable.
4. Enter Amount : Specify the amount to transfer and add optional remarks.
5. Authenticate : Enter your UPI PIN to authorize the transaction.
6. Confirm : Verify the details and click "Confirm." A success message will appear, and the funds will be transferred instantly.

How to Collect Money Using Axis Bank UPI?

Collecting money is equally simple with Axis Bank UPI:

1. Log In : Access the BHIM Axis Pay or Axis Mobile Banking app with your passcode.
2. Select Collect Money : Choose the "Collect" or "Request Money" option.
3. Enter Payer’s UPI ID : Input the payer’s UPI ID or select from saved contacts.
4. Specify Amount : Enter the amount to request and set an optional expiry time (1 to 45 days).
5. Send Request : Submit the request. The payer will receive a notification and can approve or decline it using their UPI PIN.
6. Receive Funds : Once approved, the money is credited instantly to your linked bank account.

Axis Bank UPI Transaction Limit - Per Month/Per Year

Axis Bank UPI adheres to NPCI guidelines, with the following transaction limits:

• Per Transaction : Up to ₹1,00,000 for P2P and P2M transactions. For specific categories like IPOs, the limit is ₹5,00,000, and for educational/healthcare payments, it’s ₹5,00,000.
• Daily Limit : ₹1,00,000, including all linked accounts, with a maximum of 20 P2P transactions per day. New users or those who change devices/SIM cards are limited to ₹5,000 for the first 24 hours (Android) or 72 hours (iOS, ₹5,000 per 24 hours).
• Weekly/Monthly Limits : Axis Bank does not explicitly set weekly or monthly limits, but some banks like IDFC impose a weekly limit of ₹1,00,000 or a monthly limit of ₹30,00,000. Check with Axis Bank for specific account restrictions.
• Credit Card Limits : For Axis Bank RuPay Credit Cards linked to UPI, the limit is ₹1,00,000 per day for offline/small merchants and ₹5,00,000 for other categories, subject to the card’s credit limit.
• Axis Mobile App Limits : For non-Burgundy customers, the daily limit is ₹20,00,000, and for Burgundy customers, it’s ₹30,00,000. Post-device change or new registration, limits are ₹30,000 (non-Burgundy) and ₹1,00,000 (Burgundy) for 5 days.

How to Increase Axis UPI App Limit?

To increase the UPI transaction limit, follow these steps:

1. Complete Initial Restrictions : New users or those with a device/SIM change face a ₹5,000 daily limit for 24 hours (Android) or 72 hours (iOS). Wait for this period to lapse.
2. Axis Mobile App Users :
   • For non-Burgundy customers, the default daily limit is ₹20,00,000, and for Burgundy customers, it’s ₹30,00,000. After 5 days from registration or device change, you can request a modification.
   • Log in to the Axis Mobile Banking app, go to "Settings," and select "Modify Transaction Limit." Authenticate with your UPI PIN or other credentials.
3. Contact Customer Care : If you need a higher limit for specific transactions (e.g., IPO or high-value payments), call Axis Bank customer care at 1860-419-5555 or 1860-500-5555 to discuss eligibility.
4. Link Credit Card : For high-value merchant payments, link an Axis Bank RuPay Credit Card to UPI, which allows up to ₹5,00,000 per day, subject to your credit limit.
5. Check Bank Policies : Some limits are set by NPCI or bank policies and cannot be increased beyond the maximum (e.g., ₹1,00,000 for P2P).

Axis Bank UPI Customer Care Number

For assistance with Axis Bank UPI, contact:

• Customer Care Numbers : 1860-419-5555 or 1860-500-5555 (available 24/7).
• Additional Support : For credit card-related UPI queries, you can also call 1860-103-5577.
• Grievance Redressal : Raise transaction disputes or check status via the "Transaction History" section in the app or contact customer care for unresolved issues.