IndusInd Bank UPI

Last Updated : July 22, 2025, 3:59 p.m.

The Unified Payments Interface (UPI) offered by IndusInd Bank through its IndusPay app and IndusMobile platform is a seamless and secure way to make instant digital transactions. This guide covers the key aspects of using IndusInd Bank's UPI services, including its features, registration process, transaction limits, and more.

Features & Benefits of IndusInd Bank UPI App

IndusPay, the UPI application from IndusInd Bank, is designed to simplify digital payments for both IndusInd and non-IndusInd account holders. Here are the key features and benefits:

• Instant Money Transfers : Send and receive money instantly, 24/7, using a Virtual Payment Address (VPA) without needing bank account numbers or IFSC codes.
• Seamless QR Code Payments : Pay merchants quickly by scanning QR codes at retail outlets or online platforms.
• Multiple Account Linking : Link multiple bank accounts (IndusInd or other UPI-enabled banks) to a single VPA for easy management.
• UPI Lite : Make small-value transactions (up to ₹1,000) without a UPI PIN, ideal for daily low-value payments like groceries or transport.
• UPI Circle : Allows a primary account holder to delegate transaction access to secondary users (with or without a bank account) with customizable limits.
• Secure Transactions : Two-factor authentication and UPI PIN ensure high security for all transactions.
• Paperless and Convenient : Fully digital process with no physical forms required, and real-time notifications keep you updated.
• Additional Services : Recharge Delhi Metro smart cards, set up UPI mandates for recurring payments, and pay utility bills or merchants.
• No Charges for Most Transactions : Most UPI transactions are free, except for specific cases involving Prepaid Payment Instruments (PPIs) above ₹2,000, which may incur a 1.1% interchange fee.

How to Register an IndusInd Bank UPI App?

Setting up IndusPay or linking your IndusInd Bank account to a UPI app is straightforward. Follow these steps:

1. Download the App : Install the IndusPay app from the Google Play Store or Apple App Store. Alternatively, use the IndusMobile app or any third-party UPI app like BHIM, Google Pay, or PhonePe.
2. Select Language and Role : Open the app, choose your preferred language, and select whether you’re registering as a consumer or merchant.
3. Verify Mobile Number : Select the SIM card linked to the mobile number registered with your IndusInd Bank account. Send an SMS to a virtual number for device binding.
4. Create VPA : Choose a unique Virtual Payment Address (e.g., yourname@indus) and link it to your IndusInd Bank account. You can link multiple accounts and set a default account for transactions.
5. Set UPI PIN : Enter the last six digits of your debit card and its expiry date to create a 4-6 digit UPI PIN. This PIN is distinct from your bank’s MPIN and is used to authorize transactions.
6. Alternative Registration Methods :
   • Via ATM : Visit an IndusInd Bank ATM, select the IndusMobile Registration option, and confirm your mobile number.
   • Net Banking : Log in to your IndusInd Bank Net Banking account and request mobile number registration for UPI.
   • Contact Center : Call the IndusInd Bank customer care to assist with registration.
7. Completion : Once verified, you’ll receive a notification confirming successful registration. You can now start using UPI.

Note : Ensure your mobile number is linked to your bank account for SMS alerts, as this is mandatory for UPI registration.

IndusPay UPI Limit Daily / Per Month

IndusInd Bank follows the National Payments Corporation of India (NPCI) guidelines for UPI transaction limits:

• Daily Limit :
  • General transactions (Person-to-Person, P2P): ₹1,00,000 per day.
  • Specific merchant categories (e.g., insurance, capital markets): Up to ₹2,00,000 per day.
  • Initial Public Offerings (IPOs) and RBI Retail Direct Scheme: Up to ₹5,00,000 per transaction.
  • RuPay Credit Card on UPI: ₹1,00,000 per day, extendable to ₹2,00,000 for specific Merchant Category Codes (MCCs), subject to your credit limit.
• UPI Lite : ₹4,000 cumulative daily limit, with a maximum of ₹2,000 balance and ₹500 per transaction.
• New Users : For the first 24 hours after registration, the limit is ₹5,000 (up to 5 transactions) for both merchant and non-merchant transactions. After the cooling-off period, standard limits apply.
• Monthly Limit : No specific monthly cap is mentioned, but banks may impose additional limits. Contact IndusInd Bank for clarification.
• Other Limits : For money sent via USSD or SMS, the limit is ₹5,000 per transaction. For IndusMobile app transactions, the limit is ₹50,000, while overall online transfers (including non-UPI) can go up to ₹10,00,000 per day.

How to Increase IndusInd Bank UPI Limit?

To increase your UPI transaction limit beyond the standard caps, follow these steps:

1. Check Eligibility : Ensure your account has updated KYC (Know Your Customer) details, as higher limits often require full KYC verification.
2. Through IndusMobile App :
   • Navigate to More Menu > Settings > Preferred Transfer Type or Transaction Limits.
   • Adjust the limit after the 24-hour cooling-off period (initial limit for new users is ₹10,000).
3. Contact Customer Care : Call IndusInd Bank’s 24-hour customer care at 18602677777 to inquire about limit enhancement. Provide details like your account number and reason for the increase.
4. Visit a Branch : Visit an IndusInd Bank branch for in-person assistance. Higher limits may require additional verification.
5. Net Banking : Log in to IndusInd Bank’s Net Banking portal, navigate to the UPI section, and check for options to modify limits (subject to availability).
6. Specific Categories : For transactions like IPOs or tax payments, higher limits (up to ₹5,00,000) may be automatically applied as per NPCI guidelines. Confirm with the bank.

Note : Limit increases are subject to bank approval and NPCI guidelines. Always verify with IndusInd Bank for the latest policies.

How to Transfer Money by Using IndusPay UPI?

To send money using IndusPay or any UPI app linked to your IndusInd Bank account:

1. Open the App : Launch IndusPay or your preferred UPI app (e.g., BHIM, Google Pay).
2. Select Pay Option : Click on the Pay or Send Money option.
3. Enter Payee Details :
   • Enter the recipient’s VPA (e.g., recipient@upi).
   • Alternatively, use their mobile number, bank account number with IFSC code, or scan a QR code.
4. Choose Account : Select the IndusInd Bank account linked to your VPA.
5. Enter Amount : Input the amount to transfer and add optional remarks.
6. Authenticate : Enter your UPI PIN to authorize the transaction.
7. Confirmation : Receive a notification or SMS confirming the transaction’s success, failure, or pending status.

Note : Double-check the recipient’s VPA or details to avoid errors, as UPI transactions are instant and cannot be reversed once processed.

How to Receive Money Through IndusPay UPI?

To receive money using IndusPay:

1. Share VPA or QR Code : Provide your VPA (e.g., yourname@indus) or display your QR code to the sender.
2. Collect Request :
   • Open IndusPay, go to Manage UPI > My Payment Requests.
   • Create a collect request by entering the sender’s VPA and the amount.
3. Sender Approval : The sender receives the request and approves it by entering their UPI PIN.
4. Receive Funds : The money is credited instantly to your linked IndusInd Bank account. Check transaction status in the Transaction History section.
5. UPI Lite : For small-value transactions, ensure your UPI Lite account is enabled and has sufficient balance (up to ₹2,000). No PIN is required for receiving UPI Lite payments.

Note : The beneficiary must have a bank account linked to the UPI ID to receive funds. No beneficiary registration is required.

IndusInd Bank UPI Customer Care Number

For assistance with IndusPay or UPI-related issues, contact IndusInd Bank’s 24-hour customer care:

• Phone : 1860 267 7777
• Email : Reach out via the official website or Net Banking portal.
• Branch Support : Visit the nearest IndusInd Bank branch for in-person help.
• Transaction Disputes : For failed transactions or incorrect transfers, provide the UPI Transaction ID, date, time, amount, and receiver details when contacting support. Refunds for failed transactions are typically processed within 7 days.