Unified Payments Interface (UPI) — India’s realtime instant payments rail that lets users send/receive money using a simple ID (VPA) instead of account numbers. Runs 24x7, built by NPCI, works over IMPS.
Learn more →24×7 Instant Transfers Works round the clock, even on holidays. Settlement is real-time; no waiting like NEFT/RTGS. Virtual Payment Address (VPA) No need to share account/IFSC. Just name@bank or alias@upi. Multiple Bank Accounts in One App One app can link to many banks. Easy to switch payer accounts. Push & Pull Payments Push = send money. Pull = request money (user approves).
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