Bank of Maharashtra UPI

Last Updated : July 18, 2025, 2:57 p.m.

The Unified Payments Interface (UPI) offered by the Bank of Maharashtra through its BHIM Maha UPI app (available within the MahaMobile Plus app) provides a seamless, secure, and instant way to handle digital transactions. This article covers the key aspects of using Bank of Maharashtra’s UPI service, including its features, registration process, transaction limits, and more.

Features and Benefits of Bank of Maharashtra UPI

The BHIM Maha UPI app, integrated into the MahaMobile Plus app, offers a range of features designed to make digital payments convenient and secure:

• Instant Transfers : Send and receive money 24/7 in real-time using a UPI ID, mobile number, or bank account details. Transactions are processed instantly, even on holidays.
• Secure Transactions : Multi-layered security with UPI PIN authentication ensures safe transactions. Your bank account details remain private as you use a Virtual Payment Address (VPA).
• User-Friendly Interface : The app’s simple design ensures easy navigation for users of all tech levels.
• Multiple Account Linking : Link multiple Bank of Maharashtra accounts or accounts from other UPI-supported banks to a single UPI ID, provided the mobile number is registered with those accounts.
• Versatile Payments : Pay for utilities, merchants, online shopping, and more using QR code scanning or UPI IDs.
• No Transaction Fees : Most UPI transactions, including peer-to-peer (P2P) and peer-to-merchant (P2M) payments, are free, making it cost-effective.

How to Register Maha Bank UPI App?

To start using the BHIM Maha UPI app, follow these steps to register:

1. Download the App : Install the MahaMobile Plus app from the Google Play Store or Apple App Store. Ensure you’re using the mobile number registered with your Bank of Maharashtra account.
2. Accept Terms : Open the app and accept the Terms and Conditions.
3. Verify Mobile Number : Tap “Send SMS” to verify your registered mobile number. The app will send an SMS to confirm your number. If verification fails, you may receive an OTP after 45 seconds or be prompted to dial a USSD code.
4. Select Bank Account : Choose your Bank of Maharashtra account from the list of linked accounts.
5. Create UPI PIN : Select “Generate UPI PIN,” enter your debit card’s 6-digit number and expiry date, and verify with an OTP sent by the bank. Set a 4- or 6-digit UPI PIN for transaction authentication.
6. Set UPI ID : Create a unique Virtual Payment Address (e.g., abcd657@mahb). This will be your UPI ID for sending and receiving money.
7. Complete Registration : Once verified, your UPI ID is linked to your account, and you’re ready to transact.

Bank of Maharashtra UPI Limit per Month / per Year

The National Payments Corporation of India (NPCI) sets standard UPI transaction limits, but banks can impose their own caps within these guidelines. For Bank of Maharashtra:

• Daily Limit : ₹1,00,000 per day for general transactions (P2P and P2M). For specific categories like capital markets, insurance, and foreign inward remittances, the limit is ₹2,00,000, and for IPOs, retail direct schemes, hospitals, and educational institutions, it’s ₹5,00,000 per transaction.
• Transaction Count : A maximum of 10 transactions per day is allowed, though some sources suggest up to 20 transactions may be permitted depending on the bank’s policy.
• Monthly Limit : While exact monthly limits are not explicitly published, it’s estimated to be approximately 30 times the daily limit, equating to ₹30,00,000 per month with up to 600 transactions, assuming no additional bank-specific restrictions.
• Yearly Limit : No specific yearly limit is published, as limits are typically set on a daily or monthly basis.

Note : These limits are subject to change, and users should verify with the bank for the latest information.

How to Increase Bank of Maharashtra UPI Limit?

To increase your UPI transaction limit beyond the standard cap:

1. Contact Customer Care : Call the Bank of Maharashtra customer care (details below) to inquire about limit enhancement options.
2. Net Banking : Log in to Bank of Maharashtra’s net banking portal, navigate to the UPI section, and check for options to modify limits (subject to availability).
3. App Settings : Check the “Profile” or “Settings” section in the MahaMobile Plus app for options to adjust limits. Higher limits may require bank approval.
4. KYC Compliance : Ensure your KYC is fully updated, as higher limits often require complete KYC verification.
5. Visit a Branch : For significant limit increases, visit a Bank of Maharashtra branch for in-person assistance and verification.

How to Send Money by Using Maha Bank UPI App?

To send money via the BHIM Maha UPI app:

1. Log In : Open the MahaMobile Plus app and log in using your MPIN or UPI PIN.
2. Select BHIM UPI : Tap on the “BHIM UPI” option from the app’s dashboard.
3. Choose Pay Option : Click on “Pay” and select the UPI ID, mobile number, or bank account details of the recipient.
4. Add Beneficiary (Optional) : If the recipient is not in your payee list, select the payment mode (UPI ID, Account + IFSC, or MMID), enter their details, and verify.
5. Enter Amount : Input the amount to send and add optional remarks.
6. Authenticate : Enter your UPI PIN to confirm the transaction.
7. Confirmation : You’ll receive a confirmation notification once the transaction is successful.

Note : If the recipient doesn’t have a UPI ID, you can send money using their bank account number and IFSC code.

How to Collect Money Through the Bank of Maharashtra UPI App?

To request or collect money:

1. Log In : Open the MahaMobile Plus app and log in.
2. Select Collect Option : Tap on “BHIM UPI” and choose the “Request Money” or “Collect” option from the dashboard.
3. Enter Details : Input the payer’s UPI ID, the amount, remarks, and validity date for the request.
4. Submit Request : Click “Submit” to send the request. You’ll receive a reference number for tracking.
5. Confirmation : Once the payer approves the request and transfers the amount, it will be credited to your linked bank account. You’ll receive a confirmation notification.

Bank of Maharashtra UPI Customer Care Number

For any issues or queries related to UPI transactions, contact Bank of Maharashtra’s customer care:

• Toll-Free Numbers : 1800-233-4526 or 1800-102-2636
• Branch Support : Visit your nearest Bank of Maharashtra branch for in-person assistance.

For unresolved issues, you can also contact NPCI’s DigiSaathi helpline at 14431 or 1800-891-3333.