Last Updated on: 26/03/2024
UPI- FAQs on Registration & Usage of BHIM IOB UPI
How BHIM IOB UPI On boarding Process is done?
FAQ on UPI related customer complaints
What is UPI?
Unified Payments Interface (UPI) is an instant payment system developed by the National Payments Corporation of India (NPCI), an RBI regulated entity. UPI is built over the IMPS infrastructure and allows you to instantly transfer money between any two parties' bank accounts.
What is an UPI-PIN?
UPI-PIN (UPI Personal Identification Number) is a 4-6 digit pass code you create/set during first time registration with this App. You have to enter this UPI-PIN to authorize all bank transactions. If you have already set up an UPI-PIN with other UPI Apps you can use the same on BHIM. (Note: Banks issued MPIN is different from the UPI UPI-PIN, please generate a new UPI-PIN in the BHIM app) Note: Please do not share your UPI-PIN with anyone. BHIM does not store or read your UPI-PIN details and your bank's customer support will never ask for it.
Who are eligible for UPI?
Make sure customer is not a MINOR (less than 18 years)
Minor flag in accounts master should be "N" when customer is not a minor.
Account status should not be Dormant/Inactive/Inoperative/ Frozen. It should be "Active"
Scheme types allowed for UPI are mentioned in the end of the file.
Mode of operation for the account should not be GU (Operated by Guardian).
What are the precautions while SIM binding on BHIM IOB UPI app?
User should not use Wi-Fi during SIM binding on BHIM IOB UPI app. SIM binding should be done on Mobile data only
What to do if Unable to send SMS
User should have an active outgoing SMS pack as an SMS needs to be sent from the registered mobile number during SIM binding process.
In android, SMS will be sent automatically
In iOS, SMS needs to be sent within 5 seconds.
What to do if Unable to receive OTP during registration?
Please ensure DND service should not be enabled on mobile no.
Also ensure proper internet connectivity
What to do if unable to make payment through UPI?
If customer is not able to make payment. It might be possible his/her UPI is blocked. In other apps, a generic error will be displayed like "payment declined by bank" or "reached daily limit" or "limit exceeded" or "1lakh limit reached".
Please ask customer to try using BHIM IOB UPI app, there it will clearly say "UPI is blocked" if it is blocked.
Whether UPI can be blocked by NPCI?
Whenever customer receiving error like "Due to security reason, account is blocked" or "Risk Threshold error". That account might be blocked by NPCI due to some NPCI FRM rule. In that case, we need to take up with NPCI for the issue.
Requirement for Current Account holder for using UPI Facility?
Mobile number which is used for UPI registration should be linked with Retail CIF and relation code should be entered as 99,20, 129, 114.
Corporate CIF and Retail CIF should have the same mobile number.
What happens if I enter wrong UPI-PIN during a transaction?
In case you enter the wrong UPI PIN, the transaction will fail. In case you input the wrong UPI PIN multiple times, bank may temporarily block sending money using UPI from my account (this varies from bank to bank)
I have selected the Bank name to link with UPI but it does not find my bank A/C
In such a case, please ensure that the mobile number linked to your bank account is same as the one verified in any UPI App. If it is not the same, your bank accounts will not be fetched by the UPI platform.
What are the different Transaction limit?
Through UPI a person can transfer maximum of Rs.1,00,000/- in a day where time starts from the time of first transaction.
NPCI has defined the limit for user to receive funds in their bank account via P2P in 24 hours. The limit is:
Maximum of 20 transactions allowed per day for person-to- person.
No restriction on number of merchant transaction however maximum cap has been fixed as per MCC allotted to the merchant which vary from merchant to merchant.
A person can transfer maximum of Rs. 50,000/- in single transaction.
When customer fetch his account in any app, he can transfer maximum of Rs.5000/- from the time of first transaction till next 24 hours. Only after 24hours, he/she can transfer more amount. If mobile software is updated recently than for first 24 hours customer will be able to transfer maximum Rs.5000/-.
While scanning QR from gallery, limit is 2000/- only.
After fresh registration or account fetch on UPI using iOS [iPhone] Maximum 15,000/- is allowed for transaction limiting the same up-to 5000/- for each subsequent 24 hrs till 3days. It means customer can do maximum Rs 5,000/- transaction each day for next 3 days and after that usual UPI transaction limit of Rs 1 Lakh will apply.
Example:
1st 24 hours
Max Rs. 5000 transaction limit
2nd 24 hours (24hrs to 48hrs)
3rd 24 hours (48hrs to 72hrs)
After 72 hours
Usual UPI transaction limit will apply
How to PIN SET/RESET?
Customer may have not set the GREEN PIN in Debit card
If Customer card status is INACTIVE, then UPI will not work
Customer entered WRONG EXPIRY DATE or WRONG CARD NUMBER.
Mobile number mismatch in CBS and ATM Switch - Branch to Lodge HPSM complaint for rectification and contact atmcard@iob.in for updation of mobile number in Switch
PIN set through Aadhaar - Make sure customer is entering first 6 digits of Aadhaar. Also, the mobile number linked with Aadhaar should be same as that of number registered with Bank.
How do I pay an online merchant through UPI?
When you shop-online, you can pay through UPI when you see UPI as a payment option. On clicking that, you will need to enter your Payment Address (eg - xyz@upi). Once entered, you will receive a collect request on your BHIM app. Enter your UPI-PIN here and your payment will be complete. As easy as this!
Do money transfers happen on UPI only during banking hours?
All payments are instant and 24/7, regardless of your bank's working hours.
I have paid for my transaction but not received anything. Why is that?
Once you complete a transaction, you should see a success status on the BHIM screen and receive an SMS from your bank. In some cases due to operator issues it can take longer time. In case you have not received your confirmation within an hour please contact the customer support at your bank.
How can I view my transaction history?
Go to Home Screen ->Transaction History, to view all your past and pending transactions.
How is UPI different from IMPS?
UPI is providing additional benefits to IMPS in the following ways:
Provides for a P2P Pull functionality
Simplifies Merchant Payments
Single APP for money transfer
Single click two factor authentication
Does a customer need to register before remitting funds using UPI?
Yes, a customer needs to register with his/her PSP before remitting funds using UPI and link his accounts.
Does the customer need to register a beneficiary before transferring funds through UPI? What details of beneficiary will be required?
No, registration of Beneficiary is not required for transferring funds through UPI as the fund would be transferred on the basis of Virtual ID/Account+IFSC/Aadhaar Number. (Please check with your PSP and Issuing bank with regard to the services enabled on the App).
Does customer need to have a bank account or this can be linked to a card or wallet?
Earlier customer was allowed to link only bank accounts, now customer can link PPI Wallets as well in UPI.
Does the beneficiary also have to register for UPI for receiving funds?
In case of Virtual ID transaction, the beneficiary needs to have a Virtual ID and in turn be registered with UPI but in case of Account + IFSC or Aadhaar number, the beneficiary need not be registered for UPI. (Please check with your PSP and Issuing bank with regard to the services enabled on the App)
What happens if my mobile phone is lost?
In case of mobile loss, one needs to simply block his mobile number thus no transaction can be initiated from the same mobile number which is a part of device tracking and at the same time UPI pin would be required for any transaction which is not to be shared with anyone.
Can I link more than one bank account to the same virtual address?
Yes, several bank accounts can be linked to the same virtual address depending on the functionalities being made available by the respective PSPs.
What are the different channels for transferring funds using UPI?
The different channels for transferring funds using UPI are:
What if my account is debited but the transaction does not go through?
UPI provides for real time reversals for declines and amount would be transferred back to the payer account immediately. In case if it does not reverse the amount immediately, you can contact your bank for the same.
Can I put a stop payment request for funds transferred by UPI?
Where do I register a complaint with reference to the UPI transaction?
You can also raise your grievance or check status of UPI transaction through the UPI App of the participating banks.
What is the limit of fund transfer using UPI?
For normal UPI the transaction limit is up to Rs 1 Lakh per transaction. For few specific categories of transaction in UPI like Capital Markets, Collections, Insurance, Foreign Inward Remittances the transaction limit is up to 2 lakh and for Initial Public Offering and Retail Direct Scheme the limit is up to Rs 5 lakh per transaction.
If I change my UPI app will I be required to register again or I can carry the same virtual address?
In case of change in UPI App, a person needs to re-register and it needs to create a new VPA with the handle of the PSP.
What happens if I forget my pin?
In case someone forgets the UPI pin, he needs to re-generate a new UPI pin using his debit card details (the last six digits of their debit card & expiry date).
Will I be able to use UPI after I change my sim or mobile?
In case of change in sim/mobile/application of the PSP, customer would require to re-register themselves for UPI.
Will I be able to use UPI across all Mobile platforms?
UPI is available on Android and iOS platform.
What is the timeline to approve a collect request by a payer?
The timeline to approve a collect request needs to be defined by the requester.
In case my mobile is used by another person, will there be any security breach?
In any transaction, the UPI pin would be required which needs to be fed through the mobile at the time of any transaction making it safe and secured.
What if I change my mobile carrier?
No problem at all. You can continue using UPI apps as usual.
What if I change my handset?
If you change your handset, you will need to:
1.Download the PSP app again
2.Register through mobile verification
3.Your VPA will be auto saved
Will you ever auto-deduct payments from my account?
We will not auto deduct payments from your account.
How are you getting all my bank A/C information?
This is a feature of the UPI payment platform (built by NPCI - an RBI regulated entity). The UPI platform retrieves the accounts details linked with your mobile number in a masked manner i.e. UPI app can't see all the details. This exchange is done over secure banking networks and we don't store or ever use it.
What if I lose my phone?
If you lose your phone, the UPI-PIN is required to authorize all transactions which will not be known to any third person and hence they will not be able to use the UPI app. In addition, please contact our customer support at your bank in the event you lose your phone.
My UPI transaction has failed but my bank account has been debited.
In case of failures money will be refunded back to your account. Sometimes this takes longer than intended. If you do not receive the refund within 1 hour, please contact customer support at your bank.
How do I set my UPI-PIN with the bank directly?
You can set your UPI pin on any PSP app using your debit card details.
My transaction is showing "Pending". The amount has been debited and not credited. Is there a problem?
Your transaction is successful, but due to some issue at the beneficiary bank end, there is a delay. The amount will reach him/her in 48 hours, once the bank is done with its daily settlements.
Can I use more than one UPI application on the same mobile if they are linked to different bank accounts?
Yes, one can use more than one UPI application on the same mobile and link both same as well as different accounts.
Most Popular FAQs on UPI
Why is my mobile verification process failing repeatedly?
Mobile verification process can fail due to any of the following reasons:
How can I FIX verification process failing repeatedly?
Kindly ensure that your mobile phone has network connectivity (mobile data is switched on and flight mode turned off). In case you are still facing issues, you can update to the latest version of the app by logging in to Play store/App store and try again.
What do I do when I get the 'SMS Sending Failed' notification while registering my mobile number?
Make sure that there is network connectivity on your phone (mobile data is switched on and flight mode is turned off)
Your telecom service provider might charge you an SMS fee for sending the SMS. Ensure your phone has sufficient balance to send the SMS.
Do not switch screens/applications during the process of registration. Doing so will lead to your session expiring.
I am not able to login to my BHIM App even after entering my passcode. What do I do?
Make sure that your phone has network connectivity (mobile data is switched on and flight mode is turned off)
Make sure the passcode you have entered is correct. In case you do not remember your passcode, you can click on 'Forgot Passcode' and reset it.
Why am I not able to see my bank while linking my account?
You will only be able to see the Bank that is live on BHIM. You can check the list of banks that are live on BHIM.
What can I do when I get the 'Unable to Fetch A/c' Or 'Account Does Not Exist' notification?
I am unable to change my default bank account on BHIM.
Login to your BHIM App > Bank Account. You will then be shown the accounts that you have linked to your BHIM account. You can click on the 'Make Default' option next to the bank account you would like to make your default account.
I am unable to remove my bank account from BHIM
Login to BHIM App > Bank Account. You will then be shown the bank accounts that you've linked to your BHIM account. You can select the 'Remove' option under the account that you would like to remove/delete/unlink from your BHIM account.
How many bank accounts can I link with my BHIM account?
You can link up to 10 accounts with your BHIM account.
I am not able to set my UPI PIN. What do I do?
You will require the last 6 digits and expiry date of your debit card to set the UPI PIN. If you fail to receive the OTP in time, kindly click on the 'Resend OTP' option. If it does not work, please wait for some time, and try again. Please note that only Debit cards linked to the account can be used for setting the UPI PIN.
How can I reset my UPI PIN?
Login to your BHIM App > Bank Account. You will then be shown the accounts that you've linked to your BHIM app. You can select the 'Forgot UPI' option under the bank account you'd like to reset the PIN of. (Please keep your Debit Card details handy to reset your UPI PIN.)
What Should I do if I have exceeded the number of login attempts by entering the wrong UPI PIN?
You will have to wait for 24 hours post which you will be allowed to make any transactions.
Why do I get a 'Wrong Debit Card Details' error while trying to set UPI PIN?
This error occurs when the details you have entered are incorrect. Kindly get in touch with your bank if you get the error message even after entering the correct details.
Why Am I Not Able to Send Money?
Your per day transaction limit is Rs. 100,000 on BHIM
If you're sending money to a UPI ID, please, make sure that you've entered the correct UPI ID.
Kindly ensure that you've entered the correct UPI PIN.
You will not be able to send money if your bank is facing some issues.
If you're a new user on BHIM, you are allowed to do transactions of up to Rs. 5000 for the first 24 hours.
You will be able to utilise your daily limit of Rs 100,000 post 24 hours of your registration
Kindly note that your bank's transaction limit may vary from that of BHIM
Why Do I See 'Per Transaction Limit Exceeded'?
A user on BHIM can send money to a limit of Rs. 100,000 per transaction and Rs. 100,000 per day.
If you're a new user, you are allowed transactions of up to Rs. 5000 for the first 24 hours.
Kindly note that your bank's limit may vary from that of BHIM
What should I do if I have transferred the money but it hasn't been credited to the receiver's account?
If your BHIM App states that your transaction is successful but your beneficiary hasn't received the money, you might want to check whether you've entered the correct details (UPI ID or A/c IFSC).
In case your transaction is in 'Pending' status, kindly click on the 'Refresh' button from your transaction details page in 'Transaction'. If the issue still persists, kindly reach out to us via our customer care number.
In case your transaction has failed, but the amount was debited then the same will be reversed to your account in T+2 working days.
If you still face the issue, you can reach out to us or raise a complaint via your BHIM App.
Can I reverse a transaction if I mistakenly sent the money to the wrong account?
You can get in touch with your bank and raise a complaint for a chargeback.
Whom should I contact in case of any issues with the app?
You can report any feedback/suggestion/complaint on the app
Why is my transaction getting declined?
Your transaction may be declined due to any of the following reasons:
Either of the bank servers might be temporarily down. In that case, kindly wait for some time before you re-initiate the transaction.
It might be a suspected case of a fraudulent transaction.
You might have entered the wrong UPI PIN.
The beneficiary details you entered might be incorrect.
Your mobile number might be linked to multiple types of accounts in the same bank.
If you've changed your mobile number linked to your bank account, then there is a possibility that the bank hasn't updated your new number due to which you will not be able to complete your transaction. In this case, kindly contact your bank.
The transaction you're trying to complete might be a violation of your bank's policy. In this case, kindly contact your bank.
What are the requirements to participate in an IPO, through UPI?
Your bank should be registered as a certified Issuer Banks for UPI in the SEBI website
You should have an active UPI ID created
You should be on the latest version of BHIM Application.
Note: The per transaction limit for IPO through UPI Payment is Rs. 2,00,000.
How do I know if I have received an IPO request and how do I accept it?
You will receive a notification as well as an SMS from your BHIM App informing you about the request
You can login to your BHIM app > IPO > Pending. You'll be able to see the IPO requests
All IPO collect requests would have a 'Verified Merchant' mark to ensure that it is not Fraudulent
Kindly ensure that you check the amount before accepting the request
How can I modify or cancel my request once the mandate is created?
Any modification or cancellation of the bid post successful creation can be only done via the intermediary through whom the bid was placed.
For modification, you will have to approve the modification request on your BHIM app once you receive it.
In case of cancellation, you will receive a notification from BHIM stating that mandate has been revoked.
How Do I Know If My Bid Has Been Placed Successfully?
Login to BHIM->Select IPO -> Go to Active and you'll be able to see the IPO request. This would mean that your bid has been placed successfully.
You will be receiving an SMS from your Bank as well as BHIM confirming the block of amount on the account which means the bid was successful. The status of the same can be confirmed with the intermediary through whom the bid was placed.
What do I do if I get an error while accepting an IPO mandate request?
In case of any error during Creation or Modification of a mandate request, the same can be re-initiated by approaching the intermediary to whom you had submitted the application form.
My broker claims to have sent a request, but I haven't received it. What should I do?
You should wait for some time and then request your broker to reinitiate the transaction.
Will I be able to know whether I have gotten the allotment or not?
Please note that BHIM being a payment platform does not guarantee the allotment of shares.
Kindly contact the intermediary through whom the bid was placed in case of any queries regarding allotment. However, if you've been allotted then the bid amount would be debited basis allotment (Full Allotment or Partial Allotment) for which you would receive a notification as well as an SMS from BHIM and your Bank.
If you've not been allotted, then your amount shall be unblocked, post which you will receive an SMS from your bank regarding the same.
What Exactly Is BHIM?
BHIM - Bharat Interface for Money is a UPI based payment interface that allows real time fund transfers using a single identity like your mobile number or name.
What Can I Do with BHIM?
Where and how can I pay using BHIM?
Is BHIM A Wallet?
BHIM is not a wallet. It is a payments application that allows users to make instant bank transfers.
Is BHIM Available for All Handsets and Operating Systems?
BHIM can be used currently on all handsets with iOS (version 13.0 and above) & Android OS (version 5.0 and above).
In How Many Languages Is BHIM Available?
Currently it is available in 20 languages, i.e., English, Hindi, Marathi, Tamil, Telugu, Malayalam, Oriya, Punjabi, Gujarati, Marwari, Haryanvi, Bhojpuri, Urdu, Konkani, Manipuri, Mizo, Khasi, Kannada, Bengali, Assamese.
What Is VPA?
A Virtual Payment Address (VPA) is a unique identifier, which you can use to send and receive money on UPI. Think of it as an email ID which you can use to transfer money.
Can I Use BHIM Outside India?
You can use BHIM outside India to send and collect money for your local accounts. Please note that NRI/NRE accounts can only be used as per banks policy.
What are the charges for using BHIM?
You are not charged any for transacting on BHIM. Kindly get in touch with your bank to ask for their charges.
Does BHIM run without internet?
Yes. You can dial *99# to avail offline features of BHIM, on any mobile phone.
How can I use BHIM if my bank is not live on UPI?
BHIM is interconnected with every bank through the UPI ecosystem. Hence, you will be able to link your account on BHIM application.
Installation and Registration
Who Can Use BHIM?
Any person who has a smartphone and a bank account can use BHIM to make transactions. However, you will need to have your mobile number registered with the bank and a debit card linked to that account. You can download the BHIM app from Play Store or Appstore.
How does BHIM verify my mobile number and what is the process?
Follow the following steps after you've downloaded and installed the BHIM app for the first time:
How do I create my UPI ID?
Upon successful registration, a default ID i.e. mobilenumber@upi will be created for you. You can add one more VPA by going in the profile section.
What Is UPI ID?
A UPI ID is a unique identifier, which you can use to send and receive money on UPI. Think of it as an email ID which you can use to transfer money.
What happens after registration?
Once you have registered your mobile and it has been verified, you will have to select your bank account and set your UPI pin.
I cannot see my bank in the list. What do I do?
Your bank is not live on BHIM, hence it is not visible on the list. Our team is working towards getting all banks live on BHIM.
How do I set my UPI PIN?
After you select your bank account, you will be prompted to set your UPI pin for the first time. You need to input the last 6 digits of your debit card along with the expiry date. If you are an SBI Maestro card user, you can enter the expiry date as 01/49.
I have already set a PIN on another app with a bank account. Can I use the same PIN on BHIM for that account?
Yes, you can use same UPI PIN on BHIM for that account. In case the PIN status is not reflecting on your BHIM app, kindly go to the 'Bank Account' section > select the account and then click on 'Refresh' option.
I am unable to set my UPI PIN. What do I do?
Due to some technical reason, your UPI PIN cannot be set. Kindly click here https://www.bhimupi.org.in/get-touch and provide details.
What methods are available on BHIM for sending money?
BHIM users can send money by using one of the following details of the beneficiary.
While sending money via UPI ID, the account holder name and UPI ID are different. Are they the same person?
When you enter a VPA and click on verify, the account holder's name (as mentioned in the bank's system) will be displayed. This is for you to cross check if the sender and the bank account to which you want to send money are the same. In case they appear different, please re-confirm the VPA of the receiver. Money once sent through BHIM cannot be reversed.
Is there a limit to the amount of money that can be sent using BHIM?
A user can send up to Rs 100,000 per transaction and a maximum of Rs 100,000 per day for one bank account. This limit is available per bank account linked on BHIM.
How do I switch the default VPA?
The default VPA is mymobileno@upi. You can change this by going to the 'My profile' section and selecting from the available VPAs.
How Many VPAs Can Be Added To BHIM?
BHIM allows you to use two VPAs. First one is the default VPA (mobile number@upi). You can create the second one, by going to the 'My Profile' page.
I have multiple accounts linked to the same mobile number. Which accounts can I use for sending/receiving money?
The account which you have selected will be displayed on the top left with the bank's icon. That will be your default bank where you will be receiving money. While sending money you will be having an option to select your debit account.
I have two bank accounts. Using one of them, I have registered on BHIM. How can I send money from this account to the other?
Let's say you have two accounts i.e ABC and XYZ and both are linked to BHIM. You want to transfer money from ABC to XYZ. Click on Send Money > Send to Self.
Can I Save the Beneficiary Details for Later Transactions?
Yes, you can save details of the beneficiary for future transactions. While sending money to a receiver, you have to click on the option 'Add to Favourites'.
How can I use the 'Scan & Pay' feature for sending money?
Scan & pay option is present in the Home page where you can click and the QR scanner opens up. Using this you can scan the QR code of the receiver and send them money. You can also use scan and pay on your passcode screen. You can also upload a QR code saved on your phone as an image.
How can I generate my QR code?
Once you register on BHIM, a QR code and default VPA is created for you. You can check these details in the 'My Profile' section of the BHIM app.
What is a request on BHIM?
On BHIM, you can initiate a request, asking money from someone. You have to enter the amount and UPI ID. The user who will receive the request can pay by authenticating it with their UPI PIN or decline the collect request.
How can I check collect requests made to me?
On the home page, there is an 'Approve to Pay' section. In this section, collect requests sent to you will be displayed under the pending tab. You can approve or decline these requests.
How can I block unknown money requests?
You can block unknown money requests by clicking on the 'Decline' button visible on card and subsequently checking the 'Block' option before declining.
Is there a time frame within which the money request has to be accepted?
Pending transactions can be viewed in the 'Approve to Pay' section on homepage. The requests will be valid for as long as the initiator has kept it. If the request is not accepted within that set time, the request expires.
I tried sending money, but the transaction failed, and my account is debited. What should I do?
The transaction might have failed due to a system error. To raise complaint for a failed transaction, click on 'Raise Complaint' on the 'Transaction Details' page available in 'Transaction' after clicking on failed transaction. The amount should be reversed to you in T+3 days.
In case that does not happen, you can reach out to us here: https://www.bhimupi.org.in/get-touch
We apologise for the inconvenience.
I performed a transaction, but it is showing pending. What should I do?
The transaction might have failed due to a system error. In case your transaction is in 'Pending' status, kindly click on the 'Refresh' button from your transaction details page in 'Transactions'. If the issue still persists, kindly reach out to us via our customer care number. The amount should be reversed to you in T+3 days.
In case that does not happen, you can reach out to us here https://www.bhimupi.org.in/get-touch We apologise for the inconvenience.
I sent the money to the wrong receiver. Can I reverse the transaction?
No, a transaction once made cannot be reversed. Please note that NPCI is only acting as a platform for processing the transaction. Money is transferred immediately. That is why we request you to check beneficiary details before transacting. A successful transaction cannot be reversed unless the beneficiary refunds it on their own.
You can try and raise a collect request (for VPA based transactions) and hope that the user will return the same. There is no guarantee that your amount will be reversed.
Who can I contact in case of any issues with the app?
You can reach out to the BHIM Toll Free number 18001201740 for any queries or complaints.
Favourites
What is 'Favourites'?
'Favourites' feature helps you maintain a record and keep a list of people whom you frequently send money.
How can I save a Favourite?
When performing a transaction, click on the 'Add to favourites' button to save the contact. You can also click on manage button on the home screen and click on add UPI ID. You can view the same in your 'Favourite' list.
How do I delete a saved contact from 'Favourite'?
When you click on any contact in my favourite, it gets highlighted with two options i.e. "'Send Money' and 'Delete'. Click on delete to remove the contact from the list.
How do I unblock a user?
Click on the three dots on the top right of the 'Favourites' page and go to blocked contacts. Click on the contact and select the option to unblock the same.
What is Multi Agent Collection?
What is the maximum amount allowed for bill payment?
Existing limit for Bill payments on BHIM is Rs 100,000 per transaction.
Why can't I see the Bill Pay Option with my bank account?
BHIM Bill Pay is only available for banks that are enabled on Bharat Bill Pay. If your bank account is not live, you will not see the option for Bill Pay. Kindly add another bank account that is enabled on Bharat Bill Pay.
Will I be charged for bill payments?
No, there will be no charges for bill payment via BHIM Bill Pay.
Can I Check My Bill Details Before Payment?
Yes, you can check the amount before paying the bill. Please note that all billers will not display the amount due for bill payment.
Is UPI PIN Mandatory for bill payments?
Yes. UPI PIN is mandatory for all bill payments. This is as per security standards of BHIM.
What are the steps for bill payment on BHIM?
Do I Get a Confirmation for Payment Immediately?
Yes. You will get an online confirmation for Bill Payment. Please note you can also check the status of your transaction under the 'Transaction' section of BHIM.
Existing limit for Bill payments on BHIM is Rs 40,000/transaction.
During bill payment, my bank account got debited but the bill payment failed. When will I get my money back?
As notified in BHIM, your money will be refunded in three working days.
For any concern related to bill pay transaction who can I contact?
You can contact your bank via the Call Bank option on BHIM. It is available in the 'Failed Transaction' section.
Can I save more than one biller for one particular category?
Yes, you can save multiple billers per category. You can also save multiple customer identifiers for same biller.
UPI-PayNow Interlinkage
India Singapore Cross Boarder Real time Remittance Facility
Who can undertake remittance transactions between India and Singapore through the UPI-PayNow interlinkage?
Account-holders of the participating banks (Our Bank is one of the Six participating Banks) and Financial institutions in India and Singapore can do the cross-border remittance transactions through the UPI-PayNow interlinkage.
Which are the participating banks from Singapore for sending and receiving remittances through the UPI-PayNow interlinkage?
Indian Overseas Bank
Indian Bank
State Bank of India
ICICI Bank
Axis Bank
DBS India
Currently, following banks/financial institutions in Singapore are enabled for sending and receiving remittances through the UPI-PayNow interlinkage are:
o DBS Singapore
o Liquid Group
Singapore is enabling the facility in a phased manner
Which apps / platforms can be used for receiving and sending remittances from India to Singapore through the UPI-PayNow interlinkage?
Receiving Remittances
Sending Remittances
Banks
UPI Handles Enabled
Featuring Apps
Apps/Internet Banking
@iob
BHIM IOB UPI
IOB Internet Banking
Who are the participating entities in Singapore and their Virtual Payment Address (VPA) handles for sending and receiving remittances?
The entities from Singapore enabled for the UPI-PayNow interlinkage and their VPAs are as follows:
Banks/Non-bank
VPA Handles Enabled
DBS Bank Singapore
Registered Mobile Number
Liquid Group (Non-Bank Financial Institution)
Registered mobile number followed by XNAP
(e.g., 123456789XNAP)
Can I receive the remittances in my account with any of the participating banks in India even if my UPI ID is not registered with the same bank?
Presently, the UPI ID registered with the same bank where account is held can only be used.
For Ex: For IOB customers , they have to register Bank's BHIM IOB UPI app and link IOB account as the default account.
Is there any transaction limit for doing cross-border remittance transactions through the UPI-PayNow interlinkage?
There is a daily transaction limit of SGD 1,000 in a day (equivalent to around
60,000/-) for undertaking cross-border remittance transactions through the UPI-PayNow interlinkage.
For what purposes can the remittances be sent or received from either side?
Presently, only Person to Person (P2P) remittances for the purposes of
"Maintenance of Relatives Abroad" & "Gift" are allowed.
Currently, by default consent is enabled for the customers registered on our BHIM IOB UPI app for receiving funds with an opting out facility through which customers can disable the consent.
(Note: If customer disables the consent, then it can be enabled again through the App. But they have to request through the A/c holding Branch)
Above is only for a temporary period & the Opt-in facility will be provided shortly where customer will be able to enable and disable the facility at their will and discretion.
How much time will it take to perform a transaction using this interlinkage?
The transactions through UPI-PayNow interlinkage can be carried out with ease similar to how the domestic transactions through UPI or PayNow take place, and the transaction can be completed on real time basis. It takes only about a few seconds
How would the limits under the Liberalised Remittance Scheme (LRS) apply to this interlinkage while sending remittances from India?
In the UPI-PayNow interlinkage transactions, only person to person (P2P) remittances towards the purpose of "Maintenance of Relatives Abroad" & "Gift" under the Liberalised Remittance Scheme (LRS) are allowed, and the prescribed LRS limits would be applicable.
Frequently Asked Questions (FAQs) on UPI LITE
(On-Device wallet)
How UPI Lite can be enabled on BHIM IOB UPI?
What If a customer wants to add another UPI LITE account on BHIM IOB UPI which has an active UPI LITE enabled on another account?
How many instances of UPI LITE (On-Device wallet) can be created for a bank account?
How will a customer disable UPI LITE account?
How can the customer load UPI LITE?
Will top-up in UPI LITE be in real time?
What If customer has an active UPI LITE account with balance in his mobile device and wants to change the mobile device?
What Will Be the Limits Associated with UPI LITE Payment Mode?
What Are the Disclaimer for UPI LITE?