Karnataka Bank UPI

Last Updated : July 18, 2025, 3:21 p.m.

Unified Payments Interface (UPI) is a revolutionary payment system in India, enabling instant, secure, and convenient transactions. Karnataka Bank's BHIM KBL UPI app offers a seamless way for customers to transfer and receive funds using their smartphones. This article covers the key aspects of using Karnataka Bank UPI, including its benefits, registration process, transaction limits, and customer support details.

Benefits of Karnataka Bank UPI

Karnataka Bank's BHIM KBL UPI app provides numerous advantages for users:

• Instant Transactions : Transfer funds instantly between bank accounts, 24/7, including holidays, making it ideal for urgent payments.
• Simplified Process : Use a Virtual Payment Address (VPA) to send or receive money without sharing sensitive bank details like account numbers or IFSC codes.
• Secure Transactions : The app employs end-to-end encryption and requires a UPI PIN for every transaction, ensuring high security.
• Multiple Account Linking : Link multiple bank accounts to a single VPA, allowing seamless transactions across different banks.
• Merchant Payments : Pay merchants by scanning QR codes or using their UPI IDs, perfect for both online and offline purchases.
• Non-Financial Services : Perform tasks like balance inquiries and resetting your UPI PIN directly through the app.
• No Charges for Most Transactions : Most UPI transactions are free, though some merchant payments may incur nominal charges as per bank policies.

How to Register Karnataka Bank UPI App?

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

1. Download the App : Download the BHIM KBL UPI app from the Google Play Store (currently available for Android users only).
2. Select Language : Choose your preferred language for the app interface.
3. Verify Mobile Number : Enter the mobile number registered with your Karnataka Bank account. The app will verify it via an SMS.
4. Create VPA : Set a unique Virtual Payment Address (e.g., yourname@ktkbank).
5. Link Bank Account : Select your Karnataka Bank account and verify it using your debit card details (last 6 digits and expiry date).
6. Set UPI PIN : Create a 4-6 digit UPI PIN using an OTP sent to your registered mobile number. This PIN will be used to authorize transactions.
7. Complete Registration : Once verified, your account is ready for UPI transactions.

Note : Ensure your mobile number is linked to your Karnataka Bank account for successful registration. If you change your handset or mobile number, you must re-register with the new details.

Karnataka Bank UPI Limit per Month / per Year

The transaction limits for Karnataka Bank UPI are set by the National Payments Corporation of India (NPCI) and the bank:

• Per Transaction Limit : Up to ₹1,00,000 for person-to-person (P2P) and person-to-merchant (P2M) transactions.
• Daily Limit : ₹1,00,000, with a maximum of 20 P2P transactions per day. There is no limit on the number of P2M transactions within the daily cap.
• Monthly/Yearly Limit : Karnataka Bank does not specify a monthly or yearly UPI transaction limit, but the daily limit of ₹1,00,000 applies. Some banks impose monthly caps (e.g., IDFC Bank at ₹30,00,000), but no such limit is explicitly mentioned for Karnataka Bank.
• Special Limits : For specific transactions like IPOs, tax payments, or payments to educational institutions and hospitals, the limit is ₹5,00,000 per transaction.

Note : New users may have a lower initial limit of ₹5,000 for the first 24 hours after registration.

How to Increase Karnataka Bank UPI Limit?

To increase your Karnataka Bank UPI transaction limit:

1. Contact the Bank : Visit your nearest Karnataka Bank branch or contact customer care to request a limit increase.
2. Use Mobile Banking : Log in to the KBL Mobile Plus or BHIM KBL UPI app, navigate to the UPI section, and check for options to modify your transaction limit (subject to availability).
3. Net Banking : Access Karnataka Bank’s net banking portal, go to the UPI settings, and request a limit adjustment if the option is available.
4. Eligibility Check : The bank may review your account history and usage patterns to approve a higher limit, but it cannot exceed ₹1,00,000 per day for P2P/P2M transactions or ₹5,00,000 for specific categories like IPOs or hospital payments.

Note : Limits are subject to change based on NPCI guidelines or bank policies. Always verify with Karnataka Bank for the latest limits.

How to Transfer Amount by Using Karnataka Bank UPI?

To send money using the BHIM KBL UPI app:

1. Log In : Open the BHIM KBL UPI app and log in with your credentials.
2. Select Pay Option : Click on the “Pay” or “Send” option.
3. Enter Recipient Details : Input the recipient’s VPA, mobile number, or account number with IFSC code. Alternatively, scan a QR code for merchant payments.
4. Enter Amount : Specify the amount to transfer and add optional remarks.
5. Authenticate : Enter your UPI PIN to authorize the transaction.
6. Confirm : Verify the recipient’s name displayed on the app, then submit. You’ll receive instant confirmation via the app and an SMS from the bank.

Note : If the transaction fails, check for correct recipient details or contact customer care. Funds debited in a failed transaction are typically reversed within 24-48 hours.

How to Receive Funds through Karnataka Bank UPI?

To receive money using the BHIM KBL UPI app:

1. Share VPA : Provide your VPA (e.g., yourname@ktkbank) to the sender.
2. Collect Request : Alternatively, create a collect request:
   • Open the app and select “Collect” or “Request.”
   • Enter the payer’s VPA or mobile number.
   • Specify the amount and add a remark (e.g., “Pending dues”).
   • Submit the request. The payer will receive a notification and must approve it with their UPI PIN.
3. Receive Funds : Once approved, funds are credited instantly to your linked Karnataka Bank account.

Note : The sender must have a UPI-enabled account for VPA-based transfers. For non-UPI users, you can receive funds via account number and IFSC code or Aadhaar number without requiring the sender to be registered on UPI.

Karnataka Bank UPI Customer Care Number

For any issues or queries related to Karnataka Bank UPI, contact:

• Toll-Free Numbers : 1800-425-1444 or 1800-572-8031
• Branch Support : Visit your nearest Karnataka Bank branch for in-person assistance.
• In-App Support : Access customer support options directly through the BHIM KBL UPI app.

If a transaction fails or funds are not credited, check the transaction status in the app’s “Transaction History” after 48 hours. If the issue persists, contact customer care immediately.