Punjab and Sind Bank UPI

Last Updated : July 17, 2025, 5:49 p.m.

Unified Payments Interface (UPI) is a revolutionary payment system developed by the National Payments Corporation of India (NPCI) that enables seamless, instant, and secure fund transfers between bank accounts using a smartphone. Punjab and Sind Bank offers its UPI services through the PSB UnIC BHIM App, providing customers with a convenient and efficient way to manage digital transactions. This article covers the benefits, registration process, transaction limits, and more for Punjab and Sind Bank UPI, along with frequently asked questions.

Benefits of Punjab and Sind Bank UPI

• Instant Fund Transfers : Transfer money in real-time, 24/7, including holidays, without waiting for banking hours.
• No Need for Bank Details : Use a Virtual Payment Address (VPA) to send or receive money without sharing sensitive bank account details like account number or IFSC code.
• Multiple Account Linking : Link multiple bank accounts (from Punjab and Sind Bank or other UPI-enabled banks) to a single VPA for easy management.
• Two-Factor Authentication : Enhanced security through device binding and UPI PIN authentication ensures safe transactions.
• Versatile Payment Options : Pay merchants, utility bills, or individuals using VPA, QR codes, or account details.
• Free of Cost : UPI transactions through PSB UnIC BHIM App are free, making it a cost-effective payment solution.
• Non-PSB Customers : Even non-Punjab and Sind Bank account holders can use the PSB UnIC BHIM App if their mobile number is linked to a UPI-enabled bank account.
• QR Code Payments : Generate or scan UPI QR codes for quick and secure payments or collections.
• Seamless Integration : The PSB UnIC platform integrates UPI with other banking services like IMPS, NEFT, and RTGS for a unified experience.

How to Register Punjab and Sind Bank UPI App?

To start using UPI services with Punjab and Sind Bank, you need to register on the PSB UnIC BHIM App. Follow these steps:

1. Download the App : Install the PSB UnIC BHIM App from the Google Play Store (for Android, version 5.0 and above) or Apple App Store (for iOS, version 9.0 and above).
2. Verify Mobile Number : Open the app and select your registered mobile number (linked to your bank account). An SMS will be sent for verification.
3. Create VPA : Set a unique Virtual Payment Address (VPA) in the format name@psb (e.g., john@psb). You can create multiple VPAs for one account or link multiple accounts to a single VPA.
4. Link Bank Account : Select Punjab and Sind Bank or any other UPI-enabled bank account linked to your registered mobile number.
5. Set UPI PIN : Enter the last 6 digits of your debit card and its expiry date to generate a 6-digit UPI PIN for transaction authentication.
6. Complete Registration : Once the UPI PIN is set, your account is linked, and you can start using UPI services.

Note : Ensure your mobile number is registered with your bank account. Keep your debit card details handy during registration.

Punjab and Sind Bank UPI Limit per Month / per Year

The UPI transaction limits for Punjab and Sind Bank are governed by NPCI guidelines and may vary based on bank policies:

• Per Transaction Limit : Up to ₹1,00,000 per transaction for general transactions.
• Daily Limit : Maximum of ₹1,00,000 per day, with up to 20 transactions allowed (10 for third-party apps like PSB UnIC BHIM).
• Monthly/Yearly Limit : Punjab and Sind Bank does not explicitly impose a monthly or yearly limit, but some banks in the UPI network may set additional caps (e.g., ₹30,00,000 per month for some banks like IDFC). Check with the bank for specific monthly or yearly restrictions.
• Special Transactions : For specific transactions like capital markets, insurance, or tax payments, the limit may extend to ₹2,00,000 or ₹5,00,000 per transaction, as per NPCI guidelines.

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

How to Increase Punjab and Sind Bank UPI Limit?

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

1. Contact Your Branch : Visit the nearest Punjab and Sind Bank branch and request a limit increase. Provide necessary KYC documents if required.
2. Customer Care : Call the bank’s toll-free customer care number (1800-419-8300) to inquire about limit enhancement options.
3. PSB UnIC Platform : Log in to the PSB UnIC app or internet banking portal, navigate to the UPI section, and check for options to modify transaction limits (subject to availability).
4. Submit Request : Some banks may require a written application or additional verification for limit increases. Follow the bank’s instructions.

How to Transfer Amount Using Punjab and Sind Bank UPI?

To send money using the PSB UnIC BHIM App:

1. Log In : Open the PSB UnIC BHIM App and log in using your 6-digit login PIN.
2. Select Pay Option : Tap on the “Pay” or “Send Money” option from the dashboard.
3. Choose Payment Method : Select the recipient’s VPA (e.g., recipient@psb) or enter their bank account number and IFSC code.
4. Enter Amount : Input the amount to transfer and add any remarks if needed.
5. Authenticate : Enter your 6-digit UPI PIN to authorize the transaction.
6. Confirm : Verify the recipient’s details and submit. You’ll receive a confirmation via the app and SMS upon successful transfer.

How to Receive Money Through Punjab and Sind Bank UPI?

To collect money using the PSB UnIC BHIM App:

1. Log In : Open the app and log in with your 6-digit PIN.
2. Select Request Money : Tap on the “BHIM UPI” option, then select “Request Money.”
3. Enter Payer Details : Input the payer’s VPA or mobile number.
4. Set Amount and Expiry : Enter the amount and set an expiry date for the request (up to 45 days).
5. Send Request : Submit the request. The payer will receive a notification to approve the transaction.
6. Receive Funds : Once the payer approves and enters their UPI PIN, the funds will be credited to your linked account instantly.

Alternative : Share your UPI QR code (generated in the app) with the payer, who can scan it to send money directly.

Punjab and Sind Bank UPI Customer Care Number

For any issues or queries related to UPI transactions, contact Punjab and Sind Bank’s customer care:

• Toll-Free Number : 1800-419-8300
• Branch Support : Visit your nearest Punjab and Sind Bank branch for in-person assistance.

For UPI-specific complaints, you can also contact the NPCI toll-free helpline: 14431.