With UPI application, your transactions are made simple - anywhere, anytime. You can now make payments at retail stores, transfer money to family and friends instantly by simply linking the UPI application to Utkarsh Small Finance Bank through your registered mobile number. It is simple, secure and fast. A unique ID is used to make the UPI payments in place of the bank account details. Transfer money using Utkarsh UPI: You can send and receive money from your contacts or from any one by sharing your UPI ID or QR Code only (Do not share your password at any given instance). You can transfer money instantly to any UPI ID/Account or QR Code via Utkarsh UPI using UPI ID/Account/QR. You can even collect payments through any UPI ID and QR Code through Utkarsh UPI. You can check your account balance and add multiple bank accounts.UPI PIN: UPI PIN is similar to your Debit Card PIN number, a 4 or 6 digit number which needs to be set by you while creating your UPI ID. For all your UPI transactions, UPI PIN is necessary. As with any password, please don’t share your PIN with anyone.UPI Mandates: This feature allows you to create a Mandate, which you can modify or revoke, as per your requirement by just clicking on “My Mandates”. Utkarsh UPI for Merchants: Utkarsh UPI offers an exciting feature ‘’I am Merchant’’ in the app, that allows you to switch between being a customer or a Merchant and collect payments through UPI ID or QR code.