IDFC First Bank UPI

Last Updated : July 21, 2025, 2:47 p.m.

The Unified Payments Interface (UPI) offered by IDFC First Bank is a seamless, secure, and efficient way to manage digital transactions. Whether you're paying bills, transferring money, or receiving funds, the IDFC First Bank UPI app simplifies the process. This article covers the key aspects of using the IDFC First Bank UPI app, including its benefits, registration process, transaction limits, and more.

Benefits of IDFC First Bank UPI App

The IDFC First Bank UPI app offers a range of features designed to enhance your digital banking experience:

• Instant Transactions : Send and receive money instantly, 24/7, even on holidays, using a single identifier like a UPI ID or QR code.
• Zero Fees : Enjoy free UPI transactions, including fund transfers, bill payments, and FASTag recharges, with no additional charges.
• Multi-Bank Integration : Link multiple bank accounts to a single UPI app, making it easy to manage all your finances in one place.
• Secure Payments : Transactions are protected with a UPI PIN and mobile number authentication, ensuring high security.
• Merchant Payments : Pay millions of registered merchants by scanning QR codes, both online and offline, with cashback and rewards on select transactions.
• Additional Features : Track expenses with over 20 categorized transaction types, earn up to 10X rewards on travel and shopping, and access services like mutual fund investments and insurance purchases directly through the app.

How to Register IDFC First Bank UPI App?

Registering for the IDFC First Bank UPI app is simple and can be completed in a few steps:

1. Download the App : Install the IDFC First Bank Mobile Banking App from the Google Play Store or Apple App Store.
2. Log In : Use your mobile number registered with IDFC First Bank. Authenticate with the OTP sent to your phone.
3. Select Bank Account : Choose your IDFC First Bank account from the list of linked accounts.
4. Create UPI ID : A unique UPI ID (e.g., yourname@idfc) will be generated automatically. You can also customize it if needed.
5. Set UPI PIN : Create a secure UPI PIN for transaction authentication. This requires entering the last 6 digits of your debit card and its expiry date, followed by an OTP.
6. Complete Registration : Once the UPI PIN is set, your UPI ID is ready for use.

IDFC First Bank UPI Limit Daily / Per Month

IDFC First Bank sets specific limits for UPI transactions to ensure security and compliance with NPCI guidelines:

• Daily Limit :
  • Person-to-Person (P2P) : Up to ₹1,00,000 per day.
  • Person-to-Non-Verified Merchant : Up to ₹1,00,000 per day.
  • Person-to-Verified Merchant : Up to ₹2,00,000 per day.
• Per Transaction Limit : ₹1,00,000 for P2P transactions and up to ₹2,00,000 for verified merchants.
• Monthly Limit : There is no explicit monthly cap mentioned, but the daily limits apply to each day’s transactions. For high-volume users, limits may be subject to bank policies and KYC compliance.

Note : Limits may vary based on account type and NPCI regulations. Always check the latest limits in the app or on the bank’s website.

How to Increase IDFC First Bank UPI Limit?

To increase your UPI transaction limit, follow these steps:

1. Log In to the App : Open the IDFC First Bank Mobile Banking App or Net Banking portal.
2. Navigate to Limits Section : Go to the “Account Limits” or “UPI Settings” section.
3. Request Limit Enhancement : Select the option to increase your UPI transaction limit. You may need to submit income proof or other documents for verification.
4. Contact Customer Care : If the option is unavailable in the app, call the customer care number (1800 10 888) or visit a nearby IDFC First Bank branch to submit a limit enhancement request.
5. Await Approval : The bank will review your request based on its credit assessment policies. Approval is subject to eligibility and KYC compliance.

Tip : Ensure your account is fully KYC-compliant to qualify for higher limits.

How to Transfer Amount by Using IDFC First Bank UPI?

Transferring money using the IDFC First Bank UPI app is quick and straightforward:

1. Open the App : Launch the IDFC First Bank Mobile Banking App.
2. Select UPI Option : Navigate to the UPI section and choose “Send Money.”
3. Enter Recipient Details : Input the recipient’s UPI ID, mobile number, or scan their QR code.
4. Enter Amount : Specify the amount you wish to transfer.
5. Authenticate Transaction : Select your linked account, enter your UPI PIN, and confirm the transaction.
6. Confirmation : A payment confirmation will appear, and the amount will be debited instantly.

Note : Always double-check the recipient’s UPI ID to avoid errors. If the transaction fails, funds are typically reversed within 30 minutes.

How to Receive Amount Through IDFC First Bank UPI?

Receiving money via UPI is just as easy:

1. Share UPI ID or QR Code : Provide your UPI ID (e.g., yourname@idfc) or display your QR code, accessible via the “My QR Code” option in the app.
2. Request Money : Alternatively, use the “Request Money” feature:
   • Go to the UPI section and select “Request Money.”
   • Enter the payer’s UPI ID or mobile number and the amount.
   • Generate a payment link or send a reminder through the app.
3. Receive Funds : Once the payer authorizes the request with their UPI PIN, the amount is credited instantly to your linked bank account.

Tip : For merchants, print and display your QR code at your store for easy payments.

IDFC First Bank UPI Customer Care Number

For any issues or queries related to UPI transactions, contact IDFC First Bank’s dedicated customer care:

• Toll-Free Number : 1800 10 888
• Support Channels : Reach out via chat, call, or video call through the app or website for 24/7 assistance.
• NPCI Support : For UPI-specific complaints, visit the NPCI website and file a complaint under the “UPI Complaint” section.