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What is a UPI number?
A UPI number is a unique ID linked to your bank account, used for making payments through UPI. It is a 10-digit number that acts as a Mobile Money Identifier (MMID) for your account, enabling you to send and receive money through UPI. This revolutionary digital payment system, developed by the National Payments Corporation of India (NPCI), has transformed the way people transact in India. Unlike a UPI ID, which is a virtual address in the format of “username@bankname,” a UPI number is a purely numeric identifier.
A UPI number is linked to a UPI ID (VPA) in NPCI’s database, which securely connects the identifier with the user’s bank account. Any payments made to this UPI number via different payment apps are routed through the UPI system and directly credited to the linked bank account, ensuring seamless and secure transactions. NPCI’s database helps ensure secure, seamless transactions, interoperability, and the use of mobile numbers in digital payments.
How to Create a UPI Number?
Creating a UPI number is a straightforward process that can be completed through any UPI payment app or platform. Here’s a step-by-step guide:
1. Start by accessing your account settings on the payment app or platform.
2. Look for the option to manage your payment methods or banking details.
3. Select the bank account for which you want to create a UPI Number.
4. Navigate to the section specifically designated for managing UPI Numbers.
5. Follow the step-by-step instructions provided on the screen.
6. Ensure to input accurate information and verify your identity as required.
Upon completion, confirm the successful creation of your UPI Number and associate it with your chosen bank account.
It’s important to note that you must create a UPI ID to use UPI, but a UPI number is optional. Having a UPI number adds extra security and can be helpful in some cases.
How to Delete a UPI Number?
If you don’t need your UPI number anymore, you can easily delete it by following these steps:
1. Start by accessing your account settings on the payment app or platform.
2. Locate and click on your profile picture, typically found at the top right corner of the screen.
3. Navigate to the “Payment Methods” section within your account settings.
4. Choose the bank account associated with the UPI Number you wish to delete.
5. Look for the “Manage UPI Numbers” option, usually located within the payment preferences or settings menu.
6. Identify the specific UPI Number you want to remove from the list.
7. Click on the three dots or ellipsis icon next to the UPI Number you want to delete. From the options presented, select “Delete UPI Number” to proceed with the deletion.
8. Confirm the action if prompted and follow any additional steps or verifications required to complete the deletion process. Verify that the UPI Number has been successfully removed from your account.
Deleting a UPI number does not affect your UPI ID or your ability to make digital transactions using UPI. You can continue using your UPI ID for seamless fund transfers even after deleting your UPI number.
Frequently Asked Questions (FAQs):
1. Is having a UPI ID Mandatory for Obtaining a UPI Number?
Yes, a UPI ID is essential for creating a UPI number or Virtual Payment Address. The UPI ID serves as your unique identifier on the UPI platform, linked to your bank account. Without a UPI ID, you cannot set up a UPI number to send or receive money through the UPI system.
2. Is UPI ID and UPI Number the same?
No, a UPI ID and a UPI number are not the same. A UPI ID is a virtual payment address in the format of “username@bankname,” while a UPI number is a 10-digit numeric identifier assigned to your bank account when you register for UPI services.
3. How is a UPI number different from a bank account number?
A UPI number is a unique identifier specifically used for UPI transactions, while a bank account number is a broader identifier for your bank account. Your UPI number is linked to your bank account but serves as a separate Mobile Money Identifier for UPI-based digital payments.
4. What’s the Purpose of a UPI Number?
The primary purpose of a UPI number is to enable quick, secure, and convenient digital payments. By using a UPI number or Virtual Payment Address, you can send and receive money instantly without sharing your sensitive bank account details. UPI numbers simplify the process of digital transactions, making it more user-friendly and accessible to everyone.
5. What is a UPI 10-digit Number?
A UPI 10-digit number is a unique identifier assigned to each UPI transaction. It serves as a reference number for tracking and verifying digital payments made through the UPI system. This 10-digit number is automatically generated by the UPI platform and is different from your UPI ID or Virtual Payment Address.
6. Can a User Link the Same UPI Number with Two Different UPI IDs?
No, users cannot link the same UPI number with two different UPI IDs. Each UPI number is uniquely associated with a specific bank account and can only be linked to one UPI ID.
7. Can a Customer Deregister Their UPI Number?
Yes, a customer can deregister their UPI number by following the deletion process outlined earlier in this article. Deleting a UPI number removes it from your bank account and the UPI system.