Indian Bank UPI

Last Updated : July 17, 2025, 2:38 p.m.

The Indian Bank UPI (Unified Payments Interface) app, also known as BHIM Indian Bank UPI, is a powerful tool for seamless, secure, and instant digital transactions. Developed by the National Payments Corporation of India (NPCI) and backed by the Reserve Bank of India (RBI), this app enables users to send and receive money using their smartphones without sharing sensitive bank details. Below is a detailed guide covering the features, registration process, transaction methods, limits, and customer support for the Indian Bank UPI app.

Features and Benefits of Indian Bank UPI App

The Indian Bank UPI app offers a range of features designed to make digital payments convenient and secure:

• Instant Transfers : Funds are transferred in real-time, 24/7, including weekends and bank holidays, unlike traditional methods like NEFT or RTGS.
• Secure Transactions : Only a Virtual Payment Address (VPA) is required, eliminating the need to share sensitive bank details like account numbers or IFSC codes. The app is backed by NPCI and RBI, ensuring robust security.
• Multiple Account Linking : Users can link multiple bank accounts to a single VPA, allowing seamless management of transactions across different accounts within one app.
• No Transaction Charges : Indian Bank currently levies no fees for UPI transactions, making it cost-effective for users.
• Cashless Payments : The app supports cashless payments for shopping, dining, or paying utility bills by scanning QR codes or using a VPA.
• User-Friendly Interface : The app is easy to navigate, with features like transaction history tracking, m-PIN management, and complaint registration.
• Availability : Accessible 24/7, allowing users to transact anytime, anywhere, using their Android or iOS smartphones.
• Versatile Transactions : Supports peer-to-peer (P2P) transfers, merchant payments, and bill payments, making it a one-stop solution for financial needs.

How to Register for the Indian Bank UPI App?

To start using the Indian Bank UPI app, follow these steps to register:

1. Download the App : Install the Indian Bank UPI app from the Google Play Store (for Android) or Apple App Store (for iOS).
2. Allow Permissions : Grant the app permissions to access your location and send/receive notifications.
3. Verify Mobile Number : Select the mobile number registered with your Indian Bank account. Click "Send SMS" to receive a verification code.
4. Complete Registration Form : Enter your name, email ID, and choose a unique Virtual Payment Address (VPA), such as yourname@indianbank.
5. Answer Security Question : Provide an answer to a security question for added protection.
6. Set m-PIN : Create a mobile PIN (m-PIN) by entering your debit card details. Confirm the m-PIN with an OTP sent to your registered mobile number.
7. Link Bank Account : Select your Indian Bank account (or other bank accounts) to link with the VPA. You can add multiple accounts if needed.

Note : Ensure your mobile number is registered with Indian Bank for SMS alerts, as this is mandatory for UPI registration.

How to Send Money Using the Indian Bank UPI App?

Sending money through the Indian Bank UPI app is straightforward:

1. Log In : Open the app and log in using your 6-digit login PIN.
2. Select 'Send Money' : On the home screen, tap the "Send Money" option.
3. Enter Receiver’s Details : Input the recipient’s VPA, mobile number, or bank account details (account number + IFSC code).
4. Specify Amount : Enter the amount you wish to transfer and add optional remarks.
5. Confirm Details : Review the transaction details and click "Proceed."
6. Authenticate Transaction : Enter your UPI PIN to authorize the payment.
7. Receive Confirmation : Upon successful transfer, you’ll receive a notification confirming the transaction.

How to Collect Funds Through the Indian Bank UPI App?

To request or collect money using the Indian Bank UPI app:

1. Log In : Access the app using your login PIN.
2. Select 'Request Money' : Tap the "Request Money" or "Collect" option on the home screen.
3. Enter Payer’s Details : Input the payer’s VPA or UPI ID.
4. Specify Amount and Account : Enter the amount to be collected and select the linked bank account where funds will be credited.
5. Authenticate Request : Enter your UPI PIN and click "Submit."
6. Wait for Approval : The payer will receive your request and must approve it. Once approved, funds are credited instantly to your selected account, and you’ll receive a confirmation notification.

Indian Bank UPI Limit Per Month/Per Year

The Indian Bank UPI app adheres to NPCI guidelines for transaction limits:

• Daily Limit : The maximum transaction limit is ₹1,00,000 per day for most transactions.
• Monthly/Yearly Limit : There is no explicit monthly or yearly limit specified by Indian Bank, but the daily limit of ₹1,00,000 applies cumulatively. For example, if you transact ₹1,00,000 daily, the monthly limit would effectively be around ₹30,00,000 (assuming 30 days).
• Special Categories : For specific merchant categories (e.g., education or healthcare), the RBI has proposed increasing the limit to ₹5,00,000 per transaction, but this is subject to bank implementation.
• Transaction Frequency : NPCI allows up to 20 transactions per day, though Indian Bank may impose its own restrictions.

Note : Limits may vary based on bank policies or account type (e.g., savings or current). Always check with Indian Bank for the latest limits.

How to Increase Indian Bank UPI Limit?

To increase the UPI transaction limit beyond the standard ₹1,00,000 per day:

1. Visit a Branch : Contact your nearest Indian Bank branch to request a limit increase. Provide necessary identification and account details.
2. Update KYC : Ensure your Know Your Customer (KYC) details are fully updated, as higher limits often require complete KYC verification.
3. Contact Customer Care : Call Indian Bank’s customer care (details below) to inquire about limit enhancement options.
4. Check App Settings : Some banks allow limit modifications within the app under "Profile" or "Settings," though higher limits typically require bank approval.
5. Net Banking : Log in to Indian Bank’s net banking portal and check for options to modify UPI limits, if available.

Note : Limit increases are subject to bank discretion and may depend on your account history and KYC status.

Indian Bank UPI Customer Care Number

For assistance with UPI-related queries or issues, contact Indian Bank’s customer care:

• Toll-Free Number : 1800 4250 0000
• Email Support : Reach out via the official Indian Bank website or net banking portal.
• Branch Support : Visit your nearest Indian Bank branch for in-person assistance.

For UPI-specific complaints, you can also use the NPCI toll-free helpline: 1800 891 333 or 14431.