Frequently Asked Questions

What is a UPI (Unified Payments Interface) Number?

Just like a UPI ID, UPI number is an 8 or 9 or 10 Digit number that can be created by you so that anyone with ANY payment app can pay you by just entering this number. There will be no need to enter the handle (eg: number@abcd) of the payment app or banking app you have connected this UPI number with. This will increase your privacy on which payment or banking app you use. It will also make it convenient for the payer as they do not need to remember anything other than the number


When you create a UPI number on Kotak app the Kotak account becomes your default account to receive all payments, making it convenient for you to directly receive payments to your bank account and keep track of all your finances.

*Recommended: Create a 10 Digit UPI number - which has to be the same as your mobile number. This way, your payers need not trouble you for your payment details and can directly use your mobile number to pay from any app.


How to create a UPI Number on Kotak App?

To create a UPI number on Kotak app, click on BHIM UPI section under Pay & Transfer menu, select manage UPI ID & click on create now.


  • 10 digit UPI Number can only be your registered Mobile Number
  • UPI Number cannot begin with ‘0’
  • All the digits of the UPI Number cannot be the same. Ex: 11111111
  • 3 similar digits cannot be used at the end of UPI Number. Ex: XXXXX111

What is UPI Number cooling period?

Any 8 or 9 digit UPI Number that has been disabled/ deleted by a user will be kept under a cooling period of 6 months. After 6 months this number can be claimed by any other user. However, in case a 10 digit mobile number has been used to create the UPI number then, even if the user deletes it, no other user will be able to claim it. 

Note: you can only create a 10 Digit UPI number with your mobile number and no other number

How fast is a BHIM UPI transaction?

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

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