What is a UPI ID?
A UPI ID, officially a Virtual Payment Address (VPA), is the short address in the form name@handle that identifies your bank account on India's Unified Payments Interface. It replaces the account number and IFSC code: anyone who knows your UPI ID can pay you from any UPI app, and nobody can take money out with it. The part after the @ identifies the bank or app that issued the ID, which is why the same person can have several IDs that all reach the same account.
Google Pay
Open Google Pay and tap your profile photo in the top-right corner. Your UPI ID appears below your name. Tap it to see all IDs if you have linked more than one bank. Google Pay IDs end in @okaxis, @okhdfcbank, @okicici or @oksbi.
PhonePe
Open PhonePe and tap your profile picture at the top-left. Scroll to "UPI IDs" to see your ID, which usually ends in @ybl, @ibl or @axl. The "My QR" option on the same screen shows the app's own code.
Paytm
Open Paytm, tap the profile icon at the top-left, then "UPI & Payment Settings". Your ID ends in @paytm, or @ptyes, @pthdfc, @ptaxis, @ptsbi for newer accounts.
BHIM
Open BHIM and tap "Profile". Your primary ID is shown at the top and ends in @upi. You can create additional IDs from the same screen.
Bank apps
- SBI YONO / BHIM SBI Pay: UPI section → Manage → UPI ID, ends in
@sbi. - HDFC PayZapp / Mobile Banking: UPI → Manage UPI ID, ends in
@hdfcbank. - ICICI iMobile: UPI → My UPI ID, ends in
@icici. - Axis, Kotak, and others: look under UPI or Pay settings; handles are
@axisbank,@kotak, and similar.
Amazon Pay, WhatsApp, Cred
Amazon Pay IDs end in @apl, WhatsApp Pay uses @waicici, @waaxis, @wahdfcbank or @wasbi, and Cred uses @axisb. Find them under each app's UPI or payment settings.
Which ID should I put in the QR code?
Any of them. All your IDs point to the same bank account, and the customer can pay any ID from any app. Pick the one you check most often so you see notifications quickly. Then enter it in the generator at the top of this page.