Bharat Bank

How to register for UPI ?

Create your Virtual Payment Address (VPA)
Users can create a Virtual Payment Address (VPA) of their choice.

Link all your bank accounts
Any bank account having your mobile number registered can be linked.

Send / Receive Money
Make or receive payments with a Virtual Payment Address.

Collect Money
New way to request for payment. Collect money enables the user to request his pending payment.

Safe and Secure
Two-factor authentication makes it a safe and secure payment option.

24/7 Availability
According to your timing, you can send money anytime.

Set / Reset UPI Pin
Secure with setting your own pin and reset it whenever required.

Check Transaction Status
All your transaction history or status are being shown.

Unified Payments Interface (UPI) is an instant real-time payment system developed by National Payments Corporation of India facilitating inter-bank transactions. The interface is regulated by the Reserve Bank of India and works by instantly transferring funds between two bank accounts on a mobile platform. UPI is a system that powers multiple bank accounts into a single mobile application (of any participating bank), merging several banking features, seamless fund routing & merchant payments into one hood. It also caters to the “Peer to Peer” collect request which can be scheduled and paid as per requirement and convenience.

Unified Payments Interface is a real time interbank payment system that allows sending or requesting money with the following methods:

Virtual Payment Address (VPA) or UPI ID: Send or request money from/to bank account mapped using VPA.
Mobile number: Send or request money from/to the bank account mapped using mobile number.
Account number & IFSC: Send money to the bank account.
QR code: Send money by QR code which has enclosed VPA, Account number and IFSC or Mobile number

Bharat Bank is live on Google Pay / Paytm and Phone Pe.

Pre-requisite for registering for UPI

Bank a/c
Mobile number should be linked with bank a/c
Smart Phone with internet facility
Debit Card for setting MPIN

Steps for registering UPI

Download the App for UPI
Do registration online on the App using Debit Card Details
- User receives OTP from the Issuer bank on his/her registered mobile number
- User now enters last 6 digits of Debit card number and expiry date
- User enters OTP and enters his preferred numeric UPI PIN( UPI PIN that he would like to set) and clicks on Submit
- After clicking submit, customer gets notification (successful or decline)
- To Change UPI PIN user can re-register for UPI or use their old PIN and enter new PIN
Create a virtual ID
Set MPIN

Frequently Asked Questions

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 in one UPI App 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 any UPI app) Note: Please do not share your UPI-PIN with anyone. UPI app does not store or read your UPI-PIN details and your bank's customer support will never ask for it.
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.
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 UPI app. Enter your UPI-PIN here and your payment will be complete.
Do money transfers happen on UPI only during banking hours?

All payments are instant and 24/7, regardless of 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 UPI app screen and receive an SMS from bank. In some cases due to operator issues it can take longer time. In case of any query please mail to mbank@bharatbank.co.in mentioning your registred mobile number and transaction reference number.You can also call on customer care no. 022-61890111 / 61890034
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:
1.Provides for a P2P Pull functionality
2.Simplifies Merchant Payments
3.Single APP for money transfer
4.Single click two factor authentication
Does a customer need to register before remitting funds using UPI?

Yes, a customer needs to register with google pay / paytm / phonepe 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.
Does customer need to have a bank account or this can be linked to a card or wallet?

No, customer cannot link a wallet to UPI, only bank accounts can be added.
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, the beneficiary need not be registered for UPI.
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.
What are the different channels for transferring funds using UPI?

The different channels for transferring funds using UPI are:
a.Send/Collect through Virtual ID
b.Account Number + IFSC
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 within 24hrs, kindly send mail to mbank@bharatbank.co.in mentioning your registered mobile number and transaction reference number.
Can I put a stop payment request for funds transferred by UPI?

No, once the payment is initiated, it cannot be stopped.
Where do I register a complaint with reference to the UPI transaction?

You can raise your grievance by sending a mail to mbank@bharatbank.co.in mentioning your registered mobile number and transaction reference number. You can also call on customer care no. 022-61890111 / 61890034.
What is the limit of fund transfer using UPI?

At present, the upper limit per UPI transaction is Rs.1 Lakh.
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 on the new UPI App and a new virtual address will be created.
What happens if I forget my pin?

In case you forget the UPI pin, you needs to re-generate a new UPI pin with your debit card details (the last six digits of your 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, customer would require to re-register themselves in UPI App.
Will I be able to use UPI across all Mobile platforms?

UPI is available on Android and iOS platform.
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 UPI 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 is UPI app 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 UPI app 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 the customer support at the bank in the event you lose your phone.
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 same as well as different accounts.
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.