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Introduction

When it comes to digital banking and adopting latest technological features into their banking system, HDFC Bank has always been a trailblazer. The bank is reputed for providing their customers with convenient digital apparatus that makes their banking experience more delightful. Continuing with those efforts, HDFC Bank forayed into the UPI stratum in the year 2017.

HDFC Bank UPI was initially launched in collaboration with the Chillr app. Later on, they integrated it with their HDFC Mobile Banking app and their e-wallet app Payzapp.

HDFC Bank UPI allows customers to carry out various fund transfers and bill payment related transactions with ease. The app strives to provide a seamless money transaction service to its users. The service has been lauded by many users as hassle free and user-friendly.

What is UPI? How does it work?

Hdfc Bank Upi

UPI stands for Unified Payment Interface (UPI). It enables money to be immediately transferred via a mobile phone from one bank account to another. Payments can only be rendered via supporting mobile phone apps. The cash transactions through UPI are available 24x7.

Unified Payments Interface (UPI) is a portal developed by the National Payments Corporation of India (NPCI) to facilitate interoperability between banks. This is a one-stop solution for using separate bank accounts to carry out transfers from a single app. It allows all account holders to send and receive money through their smartphones with a single identifier – the Virtual Payment Address (VPA) commonly known as the UPI ID – without needing any bank account information. Customers often do not need to know the IFSC code of the beneficiary or payer, bank account details, etc., and this allows the transaction to be quicker. So customers will make quicker transactions to their friends and merchants.

About HDFC Bank UPI

HDFC Bank UPI can be accessed via their HDFC Mobile Banking app and their HDFC Payzapp app. For the purpose of using UPI, you need to have a savings bank account that supports UPI. Most banks are now permitting UPI transfers. You must then download the UPI support app for your mobile phone. Some other popular apps that provide UPI payment are BHIM created by NPCI, and certain private companies such as Paytm, PhonePe, Google Pay, Amazon Pay, etc. Make sure you have your mobile number listed for authentication on your bank account.

Salient features of HDFC Bank UPI

  • Available for both Android and IPhone users. 
  • Simple to use; Does not require to add a beneficiary to perform fund transfers or bill payments
  • Allows transaction to be carried out using just the beneficiary's UPI ID; no other bank details required
  • Ease of Access; Conveniently use it on your mobile phone with a few simple clicks
  • Even non-HDFC Bank customers can use it via non-login section of Mobile Banking App
  • Offers secure transactions; All UPI transactions are authorized using a unique UPI PIN that you set for the account
  • Perennial availability through 24*7, 365 Days
  • Request money from another user through their VPA address
  • Make bill payments and do shopping on hundreds of e-commerce sites without using cash or card.
  • Works with Partner UPI Apps too - 
    • Google Pay (handle – okhdfcbank)
    • Mobikwik (handle – ikwik)
    • Justdial (handle - hdfcbankjd)
    • Realme Paysa (handle - rmhdfcbank)

How to setup HDFC Bank UPI?

As mentioned earlier, HDFC Bank UPI can be set up by both HDFC Bank and non HDFC Bank customers. The process is a bit different for both the users. The step by step instructions for each type of user is given below:

How to setup HDFC Bank UPI for HDFC Bank Customers?

  • You must create a BHIM / UPI ID first.
  • Then download the mobile banking app from HDFC bank and choose the 'BHIM UPI Payment' button
  • An automated SMS is generated and sent to your mobile phone for device binding and security establishment.
  • You can now create a UPI ID. The UPI handle for HDFC Bank is @hdfcbank. So, you can create a UPI ID that is similar to 9xxxxxxxxx@hdfcbank (using your mobile phone number).
  • Choose the HDFC Bank account number you want to get linked with the UPI ID.
  • You now have to create the UPI security PIN. This PIN is required to authenticate any transaction you carry out using your HDFC Bank UPI. You will need your debit card info & UPI registration to create the 4 digit UPI PIN.
  • Once you have set your UPI PIN, you are ready to go. You can transfer funds and make bill payments using your HDFC Bank UPI.

How to setup HDFC Bank UPI for non-HDFC Bank customers?

  • This feature is currently available for Android users only. 
  • You must create a BHIM / UPI ID first.
  • Then download the mobile banking app from HDFC bank and choose the 'BHIM HDFC Bank’ button
  • You can now create a UPI ID. The UPI handle for HDFC Bank is @hdfcbank. So, you can create a UPI ID that is similar to 9xxxxxxxxx@hdfcbank (using your mobile phone number or any other criteria you want).
  • Choose the Bank account number you want to get linked with the UPI ID.
  • You now have to create the UPI security PIN. This PIN is required to authenticate any transaction you carry out using your HDFC Bank UPI. You will need your debit card info & UPI registration to create the 6 digit UPI PIN.
  • Once you have set your UPI PIN, you are ready to go. You can transfer funds and make bill payments using your HDFC Bank UPI.

How can HDFC Bank customers pay money using HDFC Bank UPI feature?

HDFC Bank customers can transfer funds or pay bills in a few simple steps: 

  • Once you download the HDFC Bank mobile banking app, press the 'BHIM UPI Payment' button.
  • Enter the 6 digit password to login to the app.
  • Click on "Send Cash"
  • You can opt to pay through
    • QR Code scan
    • Recipient’s mobile number
    • Recipient's UPI ID
    • Account number & Bank’s IFSC code
    • Mobile Number & MMID via Smartphone
  • Enter the account details and other information. 
  • Enter the 4 digit UPI authentication PIN. 
  • Both parties will receive an SMS confirmation once the transaction is completed.

Fund transfer or bill payments through HDFC Bank UPI for non-HDFC Bank customers

Non-HDFC Bank customers will still make fund transfers and payments through the HDFC Mobile Banking App, however, they need not login to the app to carry out these transactions.

  • Open the HDFC Bank MobileBanking App. Click on the 'BHIM HDFC Bank' icon on the bottom left of the screen. This feature is available for Android users only.
  • Enter the 6-digit App password to authenticate your login
  • Click on 'Pay'
  • You can select to pay via
    • UPI ID of beneficiary
    • Account no. & IFSC
  • Enter your chosen UPI PIN to complete the transaction. 
  • Both parties will receive an SMS confirmation once the transaction is completed.

How to request money through the HDFC Bank UPI facility?

  • This feature is currently available only for HDFC Bank customers
  • Login to the HDFC Bank MobileBanking App
  • Click on Account > BHIM HDFC Bank > Request Money
  • Go to Collect Option
  • Enter the UPI ID of the payer
  • Enter the amount and description
  • Set the Expiry Duration and Initiate request

Are there any limits on daily transactions using HDFC Bank UPI?

Yes, there are a few limits set on the transactions that can be carried out using HDFC Bank UPI

Fund Transfers: A daily limit of Rs.1 lakh or 10 transactions, calculated on a 24 hour basis is set

Bill Payments or Merchant Payments: There is no limit on these types of transactions

New UPI Users: Rs.5000 for the first 24 hours and after that, the limit shall be increased to Rs.1 lakh

In case of new mobile device, change of device or SIM card change: Rs.5000 for the first 24 hours and after that, the limit shall be increased to Rs.1 lakh

PayZapp HDFC Bank App

PayZapp is a recharge offer app from HDFC Bank. This app can be used by HDFC Bank customers, but they are allowed to link any bank’s debit or credit card on this wallet. The app is very beneficial for users who make a lot of bill payments and recharge transactions.

How to get started with HDFC Bank PayZapp?

  • You can download the HDFC Bank PayZapp app from Apple App Store or Google Play Store
  • You have to register using the phone number linked to your HDFC Bank account
  • You will be sent a verification code to authenticate your device
  • You can then set a security PIN 
  • The next step is to link any bank’s debit or credit card to the e-wallet
  • You are now ready to start doing transactions

How to make payment with PayZapp?

You can scan any of the Bharat Pay QR codes at merchant establishments to make payments

  • Open the Payzapp app
  • Click on ‘Scan to Pay’
  • Scan the Bharat QR code at the merchant site or website
  • Enter the amount you want to pay
  • Click on the ‘Approve’ button to complete transaction

Paying or sending money using the Payzapp App

You can transfer funds from one Payzapp account to another Payzapp account. You can also transfer funds from one Payzapp account to any bank account. Get cash free, instant fund transfer facility with the app

  • Click on Pay/Send Money
  • Choose the ‘Bank’ icon, or the ‘Mobile/Email’ icon to send money
  • Enter the details like bank account number, IFSC Code, account type, mobile number, email address and the transfer amount
  • Click on ‘Proceed’ to complete payment

Online Bill Payments with Payzapp

Payzapp allows users to make online bill payments using any bank debit or credit card, or NetBanking accounts. You can also use the Payzapp wallet to pay directly from the card linked to your account.

  • Download and register on the Payzapp app
  • Select ‘Pay with Payzapp’ option
  • Select the card with which you want to make the payment
  • Click on the submit button to complete transaction

HDFC Bank UPI FAQs

1. What is UPI?

Unified Payment Interface (UPI) is a fund transfer facilitated by the smartphone to pay/receive money through participating banks using a specific UPI ID

2. What is the current limit for sending money through UPI?

Fund Transfers: A daily limit of Rs.1 lakh or 10 transactions, calculated on a 24 hour basis is set.

  • Bill Payments or Merchant Payments: There is no limit on these types of transactions.
  • New UPI Users: Rs.5000 for the first 24 hours and after that, the limit shall be increased to Rs.1 lakh.
  • In case of new mobile device, change of device or SIM card change: Rs.5000 for the first 24 hours and after that, the limit shall be increased to Rs.1 lakh.

3. How can I set a default bank account to pay or receive money via UPI?

Follow this path to set your default bank account: ‘BHIM HDFC Bank’ >> Click on ‘Add Account’ >> Select Bank account Please note that the customer's last added account is the payment/receiving default account.

4. Where can I see my UPI transactions history?

In the 'Transaction History' tab under 'UPI Payments', you can see your past transactions. Your NetBanking & Bank Statement would also show this.

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