HDFC UPI

The interface of the UPI-based HDFC app is user-friendly. The UPI features are universal and are also present in the HDFC Bank’s UPI-based mobile app. Some of these features are listed below:

1. UPI Integrated to the HDFC Bank MobileBanking App

Unlike many banks, the HDFC Bank has not created a mobile app for providing UPI payment services to its customers. Rather, the bank has offered the UPI payment services in its existing mobile app – HDFC Bank MobileBanking only. This app is available for both Android and iOS users. The app users can easily see an option of UPI transaction on the app’s interface and enjoy the UPI benefits.

2. Personalized Virtual Payment Address

The Virtual Payment Address or VPA is a unique address that is important for the UPI users to have to make a transaction. The HDFC Bank’s UPI-based app allows its users to create the VPA of their choice. Their VPA would be something like – abcxyz@HDFCbank.

3.Endless Virtual Payment Addresses

The HDFC Bank’s UPI-based app users can create unlimited number of VPAs. The app does not restrict its users to give same VPAs to different people. Besides creating different VPAs, the app also allows its users to delete the VPAs when required.

4. Fund Collection via Virtual Payment Addresses

Another important feature of the app is that it allows its users to collect funds from people who use the UPI app. By using the VPA of the person from whom you wish to receive money, you can request the desired amount through the UPI app. The UPI app of that person will notify them about the fund transfer request. It will then be up to that person to accept or reject the request.

5.Cashless and Cardless Payments at Stores

Through the HDFC Bank’s UPI-based app, the users can shop easily and conveniently at the departmental stores and shops without using cash or card. They can send the required amount to the merchants using the UPI app and the merchants can also use the collect money facility to request money from you.

The HDFC Bank has made its UPI app available for both Android and iOS devices. The Android users can download this app from their Google Play Store. Whereas the iPhone users can download this app from the Apple App Store. To download it, the smartphone users need to search for the ‘HDFC Bank MobileBanking’ on their app stores and install it on their mobile devices. Also, the app is available for free of cost.

Step 1: Download the HDFC UPI app on your smartphone from Google store or App Store

Step 2: Launch the app on your mobile phone and click on the ‘UPI’ option

Step 3: Begin the registration process by choosing VPA, name, answer the secret question, and choose the bank name i.e. HDFC.

Step 4: Once done click on the ‘Next’ button

Step 4: Fill in bank account number and click on the ‘Register’ option

Step 5: You will get a confirmation message regarding successful registration on your screen. Now, set up UPI m-PIN

Step 6: Enter your name, VPA, select your account, fill in the last 6 digits of your debit card and the expiry date of the card to set m-PIN

Step 7: Next, click on the ‘Submit’ button

Step 8: You will receive a  confirmation message on your screen after successfully creating the m-PIN

Both the existing HDFC Bank customers and non HDFC Bank customers can use the HDFC UPI app. Therefore, the set of instructions to use the HDFC Bank UPI for both categories of users is different. Read further to learn how you can use the HDFC Bank UPI.

For HDFC Bank Customers

Create a UPI ID

Step 1: Use your Customer ID, Password / Quick Access PIN to login to the HDFC Bank MobileBanking App

Step 2: Click the Account > UPI

Step 3: Register a UPI ID (Example: 97XXXXXX21@hdfcbank or pay2priya@hdfcbank)

Note: You can use your mobile number to make your UPI ID

To Pay Money

Step 1: Use your Customer ID, Password / Quick Access PIN to login to the HDFC Bank MobileBanking App.

Step 2: Click the Account > UPI > Pay

Step 3: The users can select to pay through:

• Beneficiary’s UPI ID
• Account number and IFSC
• Beneficiary’s Aadhaar number
• Enter the amount required to be paid and its description
• Click PAY to send the money

To Collect Money

Step 1: Open the HDFC Bank MobileBanking App

Step 2: Click the UPI

Step 3: Click the Collect

Step 4: Enter the UPI ID of the payer

Step 5: Enter the amount required and its description

Step 6: Set the expiry duration and initiate the request

For Non-HDFC Bank Customers

Create a UPI ID

Step 1: Download the MobileBanking App from Google Play Store or Apple App Store on your smartphone

Step 2: Go to the UPI platform by clicking the UPI icon present on the bottom-left of the MobileBanking App home screen

Step 3: Set a 6-digit PIN

Step 4: Register a UPI ID (Example: xyz@hdfcbank) and link your account to it

To Pay Money

Step 1: Go to the UPI platform by clicking the UPI icon present on the bottom-left of the MobileBanking App home screen

Step 2: Enter the 6-digit PIN

Step 3: Click on Pay

Step 4: The users can select to pay through:

• Beneficiary’s UPI ID
• Account number and IFSC
• Beneficiary’s Aadhaar number
• Enter the UPI PIN and pay the amount required to be paid

Q.What do you mean by UPI?

UPI or Unified Payment Interface is an instant mobile payment system that is designed to provide secure, easy and convenient money transfer (pay or collect) on smartphones.

Q.After the transaction is successful, how long will it take for the money to credit into the beneficiary’s account?

Once you get the notification of successful transaction, your money will get credited instantaneously into the beneficiary’s account.

Q.Can I register for UPI through the HDFC Banking MobileBanking App?

Yes. Interested people can register for UPI through the HDFC Banking MobileBanking App. The app is currently available on both Google Play Store and Apple App Store.

Q.What is the term ‘UPI ID’?

The UPI ID is a unique identifier that the app users create to send or receive money through UPI. For instance, in xyz@hdfcbank, the ‘xyz’ is a unique name that will help you in transacting your money on the UPI app.

Q.Using my UPI ID, can I send money to a person who is not registered on UPI?

Yes. The UPI requires single identifier such as IFSC/ account number or MMID/ mobile number or Aadhaar number of the beneficiary to make transactions. You can use any of the allowed identifiers of the beneficiary to send them money even if they are not registered on UPI.

Q.In UPI, what is the limit for each transaction?

From the HDFC Bank account, the maximum limit to send money per transaction is Rs. 1 lakh. The maximum per day limit is also Rs. 1 lakh (the amount is subject to change).

Q.In UPI app, how can I set a default bank account to make transactions?

To set a default bank account to make money transaction, follow these steps:

• Open the HDFC Bank UPI.
• Click the Add Account.
• Select the account, which you want to set as default for transactions.

Note: The app will take that account as default for making transactions, which will be added last by the user.

Q.In the UPI app, where can I view my transactions?

In the UPI app, the users can view their past transactions under the Transaction History option.

Q.In UPI, are there any charges involved for transactions?

No. There are no charges involved for any transaction in the UPI.

Q.In UPI, can I stop the transfer of money once it is initiated?

No. Transactions once initiated through the UPI app cannot be stopped.

Q. For a particular UPI transaction, how can I raise a dispute?

If the UPI users want to raise a dispute for a particular transaction, they may do so by following the below steps:

• Go to the Transaction History.
• Click the Raise Dispute
• Select the Dispute Type.

Q. Using UPI, can I send money outside India?

No. Using UPI, its users cannot send money abroad.

Q. Under UPI, is it possible to link NRE/NRO accounts?

No. Under UPI, the NRE/NRO accounts cannot be linked.

Q. Which are the partner UPI Apps of HDFC Bank?

The partner UPI apps for HDFC Bank are:

• Google Pay (@okhdfcbank)
• WhatsApp (@wahdfcbank)
• Mobikwik (@ikwik)
• Just Dial (@hdfcbankjd)

Q. Can I deactivate my UPI account?

Yes. The HDFC Bank account holders can deactivate their accounts by following the below steps:

• Open the MobileBanking App.
• Go to the UPI option
• Click the View Profile option.
• Click the De-register option.

Note: Once the user deactivates their UPI ID, they cannot retrieve or reuse it for 2 years from the date of deactivation.