Suryoday Small Finance Bank UPI

Last Updated : July 24, 2025, 3:39 p.m.

Suryoday Small Finance Bank’s UPI service offers a fast, secure, and convenient way to transfer money, make payments, and manage finances directly from your smartphone. With the BHIM Suryoday UPI app or integration with popular third-party apps like Paytm, Google Pay, and PhonePe, customers can enjoy seamless 24/7 transactions for personal and business needs. This guide covers the key aspects of using Suryoday’s UPI service, including benefits, registration, transaction limits, and more, to help you make the most of this digital payment solution.

Benefits of Suryoday Small Finance Bank UPI

• Seamless Transactions : Transfer funds instantly between bank accounts using a smartphone, eliminating the need for cash or lengthy bank details.
• Multiple App Support : Use the BHIM Suryoday UPI app for Android or link your Suryoday account to third-party UPI apps like Paytm, Google Pay, or PhonePe for flexibility.
• Secure and Safe : Transactions are protected with a UPI PIN, ensuring high security. The app complies with RBI and NPCI guidelines.
• Real-Time Payments : Send or receive money 24/7, including holidays, with instant confirmation.
• UPI Lite for Small Transactions : Supports low-value transactions (up to ₹500) using an on-device wallet, reducing the load on core banking systems.
• Convenience : Link multiple bank accounts to a single UPI ID for easy management and QR code-based payments for quick merchant transactions.

How to Register Suryoday Small Finance Bank UPI App?

1. Download the App :
   • For Android users, download the BHIM Suryoday UPI app from the Google Play Store.
   • For iOS users, download the BHIM UPI app from the Apple Store and link your Suryoday account.
2. Select Language : Choose your preferred language upon opening the app.
3. Grant Permissions : Allow the app to access SMS to verify your registered mobile number.
4. Set Passcode : Create a passcode to secure access to the app.
5. Link Bank Account : Select Suryoday Small Finance Bank from the list of banks and link your account.
6. Set UPI PIN : Enter the last 6 digits of your debit card and its expiry date to create a UPI PIN. An OTP will be sent to your registered mobile number for verification.
7. Complete Registration : Once the UPI PIN is set, your account is ready for UPI transactions.

Suryoday Small Finance Bank UPI Limit per Month/Year

• Daily Limit : As of 2025, the daily UPI transaction limit is ₹100,000, with a maximum of 20 transactions per day. Each transaction is capped at ₹100,000.
• Monthly/Yearly Limit : There is no specific monthly or yearly limit mentioned for Suryoday Small Finance Bank UPI transactions. The daily limit of ₹100,000 and 20 transactions applies consistently.
• UPI Lite Limits : For UPI Lite, the per-transaction limit is ₹500, with a total wallet balance limit of ₹2,000 at any time.

Note : Limits are subject to change based on bank policies or RBI/NPCI regulations. Check with the bank for updates.

How to Increase Suryoday Small Finance Bank UPI Limit?

• Use Bank’s Official App : Using the BHIM Suryoday UPI app or other bank-recommended apps may provide higher transaction limits compared to third-party apps.
• Contact Customer Care : Reach out to the bank’s customer care (1800 266 7711) to inquire about increasing your UPI limit, subject to bank approval and RBI guidelines.
• Visit a Branch : For specific requests, visit a Suryoday Small Finance Bank branch to discuss limit enhancement options.
• Ensure KYC Compliance : Full KYC verification is required for higher limits, especially for UPI Lite or linked accounts.
• Monitor Regulatory Updates : Limits may be revised by NPCI or RBI, so check periodically for updates via the bank’s official website or app.

How to Send Money Through Suryoday Small Finance Bank UPI?

1. Open the App : Log in to the BHIM Suryoday UPI app or any linked third-party UPI app using your passcode.
2. Select Send Money : Tap the “Send Money” or “Pay” option on the home screen.
3. Enter Recipient Details : Input the recipient’s UPI ID, mobile number, or scan their QR code.
4. Verify Details : Confirm the recipient’s name displayed on the screen.
5. Enter Amount : Specify the amount to send and add an optional remark.
6. Authorize Transaction : Enter your UPI PIN to authenticate the transaction.
7. Confirmation : Receive instant confirmation of the successful transfer.

How to Receive Money via Suryoday Small Finance Bank UPI?

1. Open the App : Log in to the BHIM Suryoday UPI app or linked third-party UPI app.
2. Select Receive Money : Tap the “Receive Money” or “Collect” option on the home screen.
3. Enter Payer Details : Input the payer’s mobile number or UPI ID and verify their name.
4. Specify Amount : Enter the amount to be received and add an optional remark.
5. Send Request : Submit the collect request to the payer.
6. Confirmation : Once the payer approves and enters their UPI PIN, the amount is credited to your account instantly.
7. Check Status : Verify the transaction status in the app’s transaction history.

Suryoday Small Finance Bank UPI Customer Care Number

• Toll-Free Number : 1800 266 7711 (24/7 customer support for UPI and other queries).
• SMS Banking : Send “BAL” or “REG” to 97410 00040 for balance inquiries or SMS banking registration.
• Email Support : Contact at smile@suryodaybank.com for issues or unauthorized transactions.