DON’Ts

• Avoid downloading screen sharing Apps from unknown sources
• Never enter UPI PIN to receive payment
• Don't click on unverified links in SMS/ WhatsApp
• Always take helpline number from the official website
• Always use verified apps & websites for transactions

• What is UPI?

  Unified Payments Interface (UPI) is an instant payment system developed by the National Payments Corporation of India (NPCI), an RBI regulated entity. UPI is built over the IMPS infrastructure and allows you to instantly transfer money between any two parties' bank accounts.

• What is an UPI-PIN?

  UPI-PIN (UPI Personal Identification Number) is a 4-6 digit pass code you create/set during first time registration with this App. You have to enter this UPI-PIN to authorize all bank transactions. If you have already set up an UPI-PIN with other UPI Apps you can use the same on IndusInd Bank App. (Note: Banks issued MPIN is different from the UPI-PIN, please generate a new UPI-PIN in the IndusInd Bank app) Note: Please do not share your UPI-PIN with anyone. App does not store or read your UPI-PIN details and your bank's customer support will never ask for it.

• What happens if I enter wrong UPI-PIN during a transaction?

  If you enter a wrong UPI PIN more than 3 times, you must reset your UPI PIN or wait 24 hours to make your next transaction.

• I have selected the Bank name to link with UPI but it does not find my bank A/C

  In such a case, please ensure that the mobile number linked to your bank account is the same as the one verified in any UPI App. If it is not the same, your bank accounts will not be fetched by the UPI platform.

• How do I pay an online merchant through UPI?

  When you shop-online, you can pay through UPI when you see UPI as a payment option. On clicking that, you will need to enter your Payment Address (eg - xyz@upi). Once entered, you will receive a collect request on your IndusInd Bank app. Enter your UPI-PIN here and your payment will be complete. As easy as this!

• Roles and Responsibilities of NPCI / and TPAPs in Unified Payments Interface?

  Click to know more

Know More

• How is the UPI LITE (On-Device wallet) enabled for the customer?

  • A customer can enable the UPI LITE (On-Device wallet) from any UPI App which is enabled for offering UPI LITE
  • Specific customer consent is required for enabling UPI LITE (On-Device wallet)
  • The customer will need to have a bank account linked with the set UPI PIN
  • The customer will authorize the issuing bank (using UPI PIN) to enable the UPI LITE (On-Device wallet)
  • This request will prompt the bank to transfer funds from the customer account towards UPI LITE (On-Device wallet) usage
  • Once the issuing bank confirms successful transfer of funds, the UPI LITE (On-Device wallet) is enabled and the virtual balance is reflected in the CL of the UPI App

• How many instances of UPI LITE (On-Device wallet) can be created for a bank account?

  • A unique UPI LITE (On-Device wallet) is created on a given app.
  • The same bank account can be used to create multiple UPI LITE (On-Device wallet) on other apps.
  • At any given point of time, only one UPI LITE (On-Device wallet) (offered by one bank) can be enabled on a UPI App, where the balance will reside in the CL

• What if a customer wants to add another UPI LITE (On-Device wallet) account on an app which has an active UPI LITE (On-Device wallet)?

  The customer will have to first disable the existing LITE account to initiate a refund for the UPI LITE (On-Device wallet) balance (stored in the CL) which is active on a given app and then enable UPI LITE account using the bank account of their choice

• How will a customer disable UPI LITE account?

  The customer will have the option to disable a specific UPI LITE (On-Device wallet). Upon clicking disable button, the balance funds available with the bank in LITE account shall be released in the customer’s account

• How can the customer load UPI LITE (On-Device wallet)?

  • The customer can add funds at any point of time by adding funds to UPI LITE from the UPI App where they have registered.
  • The app will provide an option to top up/add funds to an active UPI LITE account

• Will Top-up in UPI LITE be in real time?

  Yes, Top-up transaction in UPI LITE is in real-time

• What if customer has active UPI LITE account with balance in his mobile device and wants to change the mobile device?

  Customer should first disable the existing LITE account in his phone so that LITE balance is transferred to the user bank account. User can then again do a fresh LITE account creation in the new device.

• What will be the limits associated with UPI LITE payment mode?

  • Per transaction limit: Up to max ₹500
  • Cumulative usage per day: ₹4,000
  • Maximum balance which can be made available in UPI LITE account at any time: ₹2,000

• Where Can I use UPI Lite?

  • UPI Lite works wherever UPI works. You can scan any UPI QR code and make payment. You can also transfer money to any phone number or UPI ID or Bank Account.
  • Use UPI Lite for Payments of up to Rs 500 in your daily life.

• What if customer has closed their bank account?

  The bank will close the UPI lite account when the user initiates the closure of their bank account.

• What if user phone is lost or got damaged and user is not able to initiate disable flow from the device?

  If user phone is lost or handset got damaged, user can approach to bank and request bank to close the LITE account.

• What is UPI Circle?

  UPI Circle is a new UPI feature that allows an IndusInd Bank CASA account user (primary user) to authorize another user, with or without a valid bank account (secondary user) to make UPI transactions from the primary user's bank account, with set transaction limits and duration. It is also known as UPI Delegate Payments.

• How many kinds of users are there in UPI Circle?

  • Primary User: The customer, having CASA Account with IndusInd bank, who intends to provide the access to his account to another user. The primary user needs to be registered for UPI on the app which provides UPI circle as a feature.
  • Secondary User: The customer, with or without CASA Account with IndusInd bank, who intends to get the access of the bank account of primary user. The secondary user needs to be registered for UPI on the app which provides UPI circle as a feature.

• Who can use UPI Circle?

  Any IndusInd CASA account user who is registered for UPI on the UPI Apps, offering the feature, can set up UPI Circle for secondary users like their trusted contacts.     

• What are the main benefits of UPI Circle?

  The main benefits include broadening UPI usage across different demographics, providing financial access to those without bank accounts, and offering supervised spending for those who need it

• How can I provide access of my account to Secondary Users?

  Following is the method through which you can delegate your account to secondary users and give them limited access to make UPI payments.

  Steps for Delegating your Account

  • Primary users first need to scan QR or enter the UPI Id of the person to whom the access to the account is required to be provided, using the UPI app providing this feature.
  • Next, select the contact from your contact list of the secondary user.
  • Once you select the contact, the linking process shall begin.
  • The Linking request will be received by the secondary user on the intended UPI app with a time span of 30 mins to approve.
  • Once the secondary user approves the request, the linking process gets completed.

  Note:

  • Manually entering the contact number is restricted. The contact should be selected from the contact list of primary users only for security purposes.
  • The steps shall be more precise once the facility is launched.

• What are the different types of accesses that I can provide to the secondary user?

  • Partial Delegation: Under this delegation, for every transaction made by the secondary user, primary user will receive the authorization request which needs to be approved by entering the UPI PIN.
  • Full Delegation: Under this delegation, the secondary user can make UPI payments using primary user’s account without the need for the primary user to approve every transaction. There is a pre-defined 30 day limit for the secondary user, set by the primary user, maximum upto INR 15,000.

• How does the authorization control work?

  The primary user has full control over who can access their account for UPI transactions. They can set transaction limits and monitor all activities.

• Can I set a limit on how much the secondary user can spend?

  Yes, under Full Delegation, the primary user can specify the maximum amount that the secondary user can spend per month

• What is the maximum limit for Delegate Payments?

  • Full Delegation: The primary user can predefine the amount for a secondary user UPI usage. The secondary user shall make any UPI payment within that limit only. As per NPCI, the maximum UPI limit for secondary users is Rs. 15,000 per month and per transaction limit is Rs. 5,000.
  • Partial Delegation: The existing UPI limits are applicable. Unlike full delegation, here the secondary user is required to send a payment request to the primary user. The primary user will review the request and by entering the UPI PIN can complete the UPI transaction.
  • If you have newly linked your UPI, for the first 24 hours, the per transaction limit shall be Rs. 5000 for both primary and secondary users.

• How does this feature enhance security?

  • Despite allowing access, the primary user maintains oversight of transaction of the secondary user and the entire bank account statement shall be visible to the primary user and has the ability to revoke permissions at any time.
  • For all the secondary users, a biometric or app-password is mandatory
  • The maximum per transaction limit is INR 5000.
  • The maximum 30 day limit for the secondary user is INR 15,000.

• Do secondary users need their own bank accounts to use this feature?

  No, this feature is particularly useful for those who may not have their own bank accounts.

• How does this feature help with family expense management?

  A family can have a single account with 5 members having full delegation of the account. At the end of every month, all the expenses can be tracked basis the usage of this single account by each user.

• Can the delegated access be removed, if needed?

  Both primary user and secondary can revoke the delegated access at any time.

• Can secondary users make all types of UPI transactions?

  The secondary user under partial delegation would only be allowed to make payments to merchants and people. They will not be able to set UPI autopay,lite transactions, International transactions, collect transactions and withdraw money from the ATM.

• Can I set different transaction limits for different secondary users?

  Customized monthly limits for each secondary user might be possible under full delegation.

• Is this feature available on all UPI apps?

  Check with your preferred UPI app or bank to see if they offer this feature.

• Can I provide delegation to same secondary user in multiple UPI apps?

  No, 1 primary user can provide delegation to a secondary user only once, at any given time, across all UPI apps.

• How many delegate payments can a primary user initiate?

  A primary user can give access to 5 secondary users or devices, but a secondary user can have only one primary user. There cannot be multiple primary users giving access to a secondary user.