Ujjivan Small Finance Bank UPI

Last Updated : July 23, 2025, 3:14 p.m.

The Unified Payments Interface (UPI) has transformed digital payments in India, offering a fast, secure, and convenient way to transfer money. Ujjivan Small Finance Bank (SFB) integrates UPI with its savings and current accounts, enabling seamless transactions for its customers. This article explores the benefits, registration process, transaction limits, and more for Ujjivan SFB UPI services.

Benefits of Ujjivan Small Finance Bank UPI

Ujjivan SFB’s UPI service offers numerous advantages, making it an excellent choice for digital transactions:

• Instant Transfers : Transfer funds instantly, 24/7, including holidays, directly from your Ujjivan SFB account.
• No Charges : UPI transactions with Ujjivan SFB are free, ensuring cost-effective money transfers.
• Secure Transactions : Multi-factor authentication, including a unique UPI PIN, ensures safe transactions.
• Ease of Use : No need to add beneficiaries; simply use a Virtual Payment Address (VPA) or mobile number to send or receive money.
• Multiple Account Linking : Link multiple bank accounts to a single VPA for flexible financial management.
• Merchant Payments : Pay utility bills, make QR code-based payments, or shop online/offline with ease.
• UPI Lite : For small transactions (up to ₹1000), UPI Lite allows PIN-less payments, streamlining microtransactions.

How to Register Ujjivan Small Finance Bank UP?

To start using UPI with your Ujjivan SFB account, follow these steps using a UPI-enabled app like BHIM or the Ujjivan SFB Mobile Banking App:

1. Download a UPI App : Install a UPI-enabled app (e.g., BHIM, Google Pay, or Ujjivan SFB Mobile Banking App) from the Google Play Store or Apple App Store.
2. Select Language : Open the app and choose your preferred language.
3. Verify Mobile Number : Ensure the mobile number registered with your Ujjivan SFB account is active on your device. Verify it via an SMS-based OTP.
4. Link Bank Account : Select Ujjivan Small Finance Bank from the list of banks, link your savings or current account, and create a unique VPA (e.g., yourname@ujjivan).
5. Set UPI PIN : Authenticate using your debit card details or Aadhaar OTP to set a secure UPI PIN.
6. Complete Registration : Review and accept the terms and conditions to finalize the setup.

Alternatively, you can register for UPI through Ujjivan SFB’s Mobile Banking App or by visiting a branch.

Ujjivan Small Finance Bank UPI Limit per Month/Year

UPI transaction limits are set by the National Payments Corporation of India (NPCI) and may vary slightly by bank:

• Per Transaction Limit : Up to ₹1 lakh for most UPI transactions. For UPI 2.0, certain high-value transactions may allow up to ₹2 lakh per transaction.
• Daily Limit : The standard daily limit is ₹1 lakh, though Ujjivan SFB may impose specific limits for new beneficiaries (e.g., ₹50,000 for the first 24 hours after adding a beneficiary).
• Monthly/Yearly Limit : There is no specific monthly or yearly cap mentioned by Ujjivan SFB, but NPCI has removed the limit of 20 transactions per day, allowing unlimited transactions within the monetary limits.
• UPI Lite Limit : For UPI Lite, the per-transaction limit is ₹1000, with a daily wallet balance limit of ₹4000.

Check with Ujjivan SFB for any account-specific restrictions or updates to these limits.

How to Increase Ujjivan Small Finance Bank UPI Limit?

To increase your UPI transaction limit, follow these steps:

1. Contact Customer Care : Call Ujjivan SFB’s toll-free number (1800-208-2121) to inquire about increasing your UPI limit.
2. Visit a Branch : Visit a nearby Ujjivan SFB branch to discuss your requirements with a bank representative.
3. Use Mobile Banking App : Log in to the Ujjivan SFB Mobile Banking App, navigate to the “Settings” tab, and check for options to manage transaction limits.
4. Provide Documentation : Higher limits may require additional verification or documentation, such as proof of income or KYC updates.
5. Business Accounts : For business accounts, submit a Business Net Banking form to define higher transaction limits (e.g., up to ₹10 lakhs for NEFT between 7 PM and 8 AM).

Note that limit increases are subject to bank approval and NPCI guidelines.

How to Transfer Money Through Ujjivan Small Finance Bank UPI?

To send money using Ujjivan SFB UPI:

1. Open UPI App : Launch a UPI-enabled app (e.g., BHIM or Ujjivan SFB Mobile Banking App) and log in with your MPIN or fingerprint.
2. Select ‘Send’ Option : On the home screen, tap “Send” or “Pay.”
3. Enter Recipient Details : Input the recipient’s VPA, mobile number, or scan their QR code. Verify the recipient’s details.
4. Enter Amount : Specify the amount to transfer and add a remark (optional).
5. Confirm Transaction : Enter your UPI PIN to authorize the payment and tap “Confirm.”
6. Transaction Completion : The money is transferred instantly, and you’ll receive a confirmation.

For UPI Lite, top up your wallet from your Ujjivan SFB account and make PIN-less payments for transactions up to ₹1000.

How to Receive Money Through Ujjivan Small Finance Bank UPI?

To receive money via Ujjivan SFB UPI:

1. Share VPA or QR Code : Provide your VPA (e.g., yourname@ujjivan) or QR code to the sender.
2. Receive via Mobile Number : Alternatively, share your registered mobile number for the sender to initiate a transfer.
3. Collect Request : In the UPI app, select “Collect” or “Request Money,” enter the sender’s VPA or mobile number, and specify the amount. The sender must approve the request with their UPI PIN.
4. Confirmation : Once the sender completes the payment, the funds are credited instantly to your Ujjivan SFB account.

Ensure your mobile number is linked to your Ujjivan SFB account for seamless transactions.

Ujjivan Small Finance Bank UPI Customer Care Number

For any issues or queries related to UPI services, contact Ujjivan SFB’s customer care:

• Toll-Free Number : 1800-208-2121
• Email : customercare@ujjivan.com

You can also visit a nearby Ujjivan SFB branch for in-person assistance.