UPI Payments
at PGB
Instant, real-time fund transfers between bank accounts — 24×7, every day of the year. Powered by NPCI's Unified Payments Interface, built on IMPS.
Instant
Settlement
24×7
Available
NPCI
Regulated By
₹0
Transfer Fee
● What is UPI?
Unified Payments Interface (UPI) is an instant real-time payment system developed by the National Payments Corporation of India (NPCI). It instantly transfers funds between two bank accounts on a mobile platform, built over the principles of IMPS and available 24×7, 365 days. A single mobile application links multiple bank accounts, seamlessly routing transactions through a single interface.
● Key Features
Instant Transfer
Funds transferred between bank accounts in real-time — no waiting, no batch delays.
24×7 Available
Available round-the-clock, every day including Sundays and bank holidays.
Mobile-First
Designed for mobile platforms — transfer money with just your smartphone.
RBI Regulated
Built and regulated by NPCI on top of IMPS infrastructure — fully secure.
● Ways to Transfer
4 Ways to Send Money via UPI
Virtual Payment Address (VPA)
Format
uniqueid@upiExample
ramesh@upi or 9611XXXXX@upiThe easiest and most recommended method. No need to share your account number.
Account Number + IFSC
Format
Account No. + IFSC CodeExample
7000XXXXXXXXX + PUNB0PGB003Traditional method using your bank account details.
Mobile Number + MMID
Format
Mobile No. + MMIDExample
+91 98XXXXXXXX + 7-digit MMIDUse your registered mobile number along with your Mobile Money Identifier.
One-Time Virtual ID
Format
Single-use UPI IDExample
Generated on demand — expires after useA disposable VPA for enhanced privacy. Share once, never reuse.
● Step-by-Step
How to Get Started with UPI
Always Do
Verify the beneficiary name before confirming payment.
Use only official UPI apps from trusted app stores.
Regularly update your UPI app for security patches.
Keep your UPI PIN confidential — memorise, never write it.
Check your PGB account balance after every transaction.
Never Do
Never share your UPI PIN with anyone — including bank staff.
Never enter your UPI PIN to 'receive' money — PIN is only for sending.
Never scan unknown QR codes from untrusted sources.
Never click UPI payment links received via SMS or WhatsApp from strangers.
Never use UPI on shared or public devices.
⚠ UPI Fraud Alert
You Never Need Your PIN to Receive Money
The most common UPI scam involves fraudsters asking you to enter your UPI PIN to "receive" a payment. Your UPI PIN is only required to SEND money — never to receive it. If anyone asks for your PIN, OTP, or VPA password, it is fraud. Report immediately to 1800-180-7777 or cybercrime.gov.in.