Central Bank of India UPI

Last Updated : July 16, 2025, 5:59 p.m.

The Unified Payments Interface (UPI) is a revolutionary payment system in India, enabling seamless, instant, and secure transactions. Central Bank of India offers its BHIM Cent UPI app, allowing customers to send and receive money, pay bills, and make merchant payments with ease. This article provides a detailed overview of the Central Bank of India UPI, covering its benefits, registration process, transaction limits, and more.

Benefits and Features of Central Bank of India UPI

The BHIM Cent UPI app, developed by the Central Bank of India, offers a range of features designed to simplify digital transactions:

• Instant Fund Transfers : Transfer money instantly using a Virtual Payment Address (VPA), mobile number with MMID, or account number with IFSC code, available 24/7.
• Multiple Bank Account Linkage : Link multiple bank accounts (from Central Bank of India or other UPI-participating banks) to a single app for convenient access.
• Global Accessibility : Use UPI for payments in countries like UAE, Nepal, Bhutan, and Singapore by scanning merchant QR codes.
• Merchant Payments : Simplify payments by scanning QR codes at merchant outlets or online platforms.
• Bill Payments and Recharges : Pay utility bills, recharge mobile phones, and make online purchases seamlessly.
• Collect Money Option : Request funds from others using the "Collect Money" feature.
• Single-Click Two-Factor Authentication : Ensures secure transactions with a UPI PIN, aligning with regulatory guidelines.
• Zero Transaction Charges : No fees for transactions made through the BHIM Cent UPI app.
• Transaction History and Balance Check : View transaction history, check account balances, and manage payees within the app.
• Secure Transactions : The VPA hides actual bank account details, enhancing privacy and security.

How to Register the Central Bank of India UPI App?

Registering for the BHIM Cent UPI app is straightforward. Follow these steps:

1. Download the App : Install the BHIM Cent UPI app from the Google Play Store (for Android) or Apple App Store (for iOS).
2. Verify Mobile Number : Open the app and click "New User Registration." Verify your mobile number (linked to your bank account) using the OTP sent via SMS. For dual-SIM phones, ensure the registered SIM is in the primary slot.
3. Complete Registration Form : Enter your name, email ID, and a preferred VPA (e.g., yourname@centralbank).
4. Link Bank Account : Select "Add Bank Account," choose your bank from the list, and link your account. Only current, savings, or overdraft accounts linked to a debit card are displayed.
5. Set UPI PIN : Create a 4-6 digit UPI PIN using your debit card details (last 6 digits and expiry date) and verify with an OTP. This PIN authenticates all transactions.

Central Bank of India UPI Limit Per Month / Per Year?

The transaction limits for Central Bank of India UPI are aligned with NPCI guidelines:

• Daily Limit : ₹1,00,000 for regular person-to-person (P2P) and person-to-merchant (P2M) transactions.
• New Users : ₹5,000 for the first 24 hours after registration.
• Specific Categories : Up to ₹2,00,000 for transactions related to capital markets, collections, insurance, and foreign inward remittances. For IPO and Retail Direct Scheme, the limit is ₹5,00,000 per transaction.
• Monthly/Yearly Limits : Central Bank of India does not explicitly impose a monthly or yearly limit, but the daily limit of ₹1,00,000 applies unless specified otherwise by the bank. Some banks, like IDFC, set monthly limits (e.g., ₹30,00,000), but no specific monthly limit is confirmed for the Central Bank of India.

How to Increase the Central Bank UPI Limit?

To increase your UPI transaction limit, follow these steps:

1. Contact the Bank : Visit your Central Bank of India branch or contact customer care to request a limit increase. The bank may review your transaction history and account status.
2. Provide Necessary Details : Submit your account details and reason for the increase (e.g., higher transaction needs for business or education).
3. User Behavior : Regular usage and a good transaction history may allow the bank to increase limits over time, especially for new users initially capped at ₹5,000.
4. Check NPCI Guidelines : Limits for specific categories (e.g., hospitals, educational institutions) are set at ₹5,00,000 per transaction, which may not require manual increase if applicable.

How to Send Funds Through Central Bank of India UPI?

To send money using the BHIM Cent UPI app:

1. Log In : Open the app and enter your 6-digit application passcode.
2. Select Send Option : On the home screen, tap the "Send" option.
3. Choose Payment Mode : Select the mode of payment (e.g., UPI ID, QR code, account number + IFSC, or mobile number + MMID).
4. Enter Details : For UPI ID, input the payee’s VPA and the amount. For QR code, scan the merchant’s QR code. Verify the details.
5. Confirm Transaction : Tap "Transfer," enter your UPI PIN, and confirm. The amount will be sent instantly.
6. Check Status : A success message will appear on the app, and you’ll receive an SMS from the bank.

How to Receive Funds by Using Central Bank of India UPI?

To receive money using the BHIM Cent UPI app:

1. Log In : Open the app and enter your passcode.
2. Select Receive Option : Tap the "Receive" option on the home screen.
3. Share VPA or QR Code : Provide your VPA (e.g., yourname@centralbank) or share your QR code (available on the app’s home screen) with the payer.
4. Collect Money Request : Alternatively, use the "Collect Money" option to send a request to the payer’s VPA. The payer must approve it with their UPI PIN.
5. Receive Funds : Once the payer sends the money, it’s credited instantly to your linked bank account. Check the transaction status in the app.

Central Bank of India UPI Customer Care Number

For UPI-related queries or issues, contact Central Bank of India’s customer care:

• Toll-Free Number : 1800 203 1911
• Branch Visit : For unresolved issues, visit your nearest Central Bank of India branch.