BHIM UPI Features - Use Kotak BHIM UPI Now for Instant Money Transfer

BHIM UPI allows you to send/receive money using unique identifiers called 'Virtual Payment Addresses (VPAs)/UPI ID' for e.g. Myname@Kotak . There is no need to carry your Debit or Credit Cards or remember details like bank account numbers or IFSC codes. No hassle of adding a beneficiary before transferring money to another person's UPI ID.

Create your Virtual Payment Address (VPA)

Link all your bank accounts
(part of UPI)

Send Money or Receive Money

Collect Money

Balance enquiry

Set/Reset UPI PIN

Check transaction status

Raise a query

In addition to above, we have partnered with the following TPAP(Third party App provider) to offer UPI services to customers:

Chintamoney Fintech Pvt Ltd.

Roles and Responsibilities of NPCI, PSP and TPAP.

Dispute Redressal mechanism.

Kotak Customer – Download ‘Kotak Mobile Banking’ App and start using UPI

Download Now

Frequently Asked Questions

How fast is a BHIM UPI transaction?

Transactions using BHIM UPI are instant and are completed within seconds.

What is a VPA?

The Virtual Payment Address (VPA) is a unique identifier assigned to your bank account by any of the UPI apps. The VPA has a format of username@Kotak in Kotak Mobile Banking App.

What are the transaction limits in BHIM UPI?

Transaction limits are mandated and modified by NPCI frequently. They are subject to the limits prescribed from time to time by the other banks, where the user holds a bank account and has linked the said Bank account in the Application.

What are the working hours for money transfers on BHIM UPI?

Money transfers using UPI can be made 24x7 instantly which means it can be done on holidays as well and are not dependent on banking hours.

Can I send money to anyone using BHIM UPI?

You can send money to:

A beneficiary who already has a VPA (Virtual Payment Address)
If the beneficiary doesn't have a VPA, you can send money to him/her using their Account number and IFSC code