Unified Payments Interface (UPI) is a instant and secure digital payment system developed by the National Payments Corporation of India (NPCI), an RBI regulated entity. It allows citizens to transfer money instantly using mobile phones and has become an important part of daily digital transactions in India. What is UPI? UPI enables instant bank-to-bank money transfer using: Mobile number UPI ID QR code It works 24×7 and supports multiple banks through a single mobile application. Popular UPI Apps BHIM Google Pay PhonePe Paytm To view the list of mobile applications for using UPI in Public Issues, click here. Advantages of UPI Fast and paperless transactions No need to carry cash Secure authentication Free or low-cost transactions How to Use UPI Install a UPI app from Play Store Register using your mobile number Link your bank account Create a UPI PIN - UPI Personal Identification Number is a 4-6 digit pass code you create/set during first time registration with any UPI App. You have to enter this UPI-PIN to authorize all bank transactions. If you have already set up an UPI-PIN with one other UPI Apps you can use the same on other UPI Apps. (Note: Banks issued MPIN is different from the UPI UPI-PIN, please generate a new UPI-PIN in the UPI app) Safety Tips for Using UPI Never share your UPI PIN with anyone Do not click unknown links or QR codes Verify receiver details before payment Use official apps only Report fraud immediately to your bank UPI has made digital payments easy and accessible for citizens. By following safety guidelines, users can enjoy secure and convenient transactions while supporting Digital India. Related resources FAQs related to UPI - NPCI