A UPI ID, also known as a Virtual Payment Address (VPA), is a unique identifier associated with your UPI account. It is like your virtual address for receiving money through UPI. Here's how it works:
UPI ID Format:
A UPI ID is typically in the format of yourphonenumber@bankname. For example, if your phone number is 9876543210 and your bank is XYZ Bank, your UPI ID could be 9876543210@xyzbank.
Creating a UPI ID: To create a UPI ID, you need to follow these steps:
- Download and install a UPI-enabled app such as Google Pay, PhonePe, or Paytm on your smartphone.
- Open the app and sign up using your registered mobile number.
- Follow the instructions to link your bank account to the UPI app. This may involve providing your bank account details and verifying them through OTP (one-time password).
- Once your bank account is linked, the UPI app will provide an option to create a UPI ID. You can usually find this option in the settings or profile section of the app.
- Choose a unique UPI ID that you prefer, following the format mentioned earlier. The app will check the availability of the UPI ID, and if it's available, you can proceed to create it.
Changing UPI ID:
In general, UPI IDs are not changeable once created. They are meant to be unique and linked to your bank account. However, some UPI apps may allow you to change your UPI ID under certain circumstances. To change your UPI ID, you would need to check the settings or profile section of the specific UPI app you are using and see if the option is available. Keep in mind that changing your UPI ID may require additional verification or may have limitations imposed by the app or your bank.
Your UPI ID is a crucial piece of information for receiving payments through UPI. Remember to keep it secure and only share it with trusted individuals or entities.
