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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 [email protected] in Kotak Mobile Banking App.

What are the transaction limits in BHIM UPI?

  • The current UPI transfer limit is INR 1 lakh per day. Users can make up to 10 transactions per day.
  • For IPO’s the limit is up to INR 2 lakhs per day

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