Creating a new UPI ID is very easy and this is the reason why people create a new UPI ID whenever they want and do not care about the old ID. This often happens when people change UPI payment apps frequently and leave the old UPI ID active. Cyber ​​experts warn that your old UPI ID can cause huge harm. Some people believe that deleting a payment app also deletes the UPI ID created in it, whereas this is not the case. Just deleting the payment app does not delete the UPI ID present in it and if it falls into someone else’s hands, it will not take long for your account to be emptied.

Deleting the payment app does not delete your UPI ID.

There’s a common misconception that deleting a payment app means everything is gone. This is actually incorrect. Reports indicate that deleting an app only removes its interface from your phone, while your UPI ID, linked bank accounts, auto-pay mandates, and UPI Lite banking layer remain fully active in the background. Unless you manually deactivate or delete your ID from within the app , it remains alive in the banking system. ( REF. )

Why are old UPI IDs dangerous?

You may be aware that after a certain period of time, telecom companies sell inactive or deactivated numbers to someone else. If your old UPI ID remains linked to that number, the new owner may start receiving your banking transactions and alerts.

According to reports, in such a situation, fraudsters can hack into your account through SIM-swap. In such a situation, keeping your old UPI ID active always keeps a backdoor open to access your account. This is why it becomes necessary to deactivate the UPI IDs that you are not using.

How to keep yourself safe

• Currently, there is no universal dashboard to view the UPI ID across all apps, but you can check the ID linked to your number by visiting the official website of NPCI .
• You can also check which UPI IDs are linked to your number by going to the UPI section of your banking app.
• To be safe, unlink your bank accounts from old payment apps you no longer use. Then, permanently delete your UPI ID. Don’t forget to disable any active auto-pay mandates while doing so.
• If you are changing your number, then definitely get your new number updated in the bank.

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Actually, one of the many changes that will happen in UPI on August 1 will be that UPI IDs that are linked to phone numbers that are not active for a long time will be closed. In such a situation, a common habit that is seen in most Indians can snatch their UPI ID from them. Let’s know about it in detail and find out how you can save your UPI ID from being closed.

What will change regarding UPI from August 1?

According to the changes going to be made regarding UPI from next month, from August 1, you will not be able to check the balance on your PhonePe or Paytm again and again. You will have to change some habits, otherwise there will be problems in online payment related work. From August 1, any user will be able to check his balance only 50 times a day.

This limit is enough for a common user. Many users keep their payments in auto mode. For example, Netflix subscription, SIP money or electricity-water bills are also put on autopay. This will also now happen at a fixed time. According to reports, authorization and debit processing for all autopay services will be possible only during non-peak hours. All this exercise is being done to reduce the load on the network so that UPI payment related facilities do not crash. NPCI has clearly said that banks and payment apps will have to follow these rules. These changes also include deactivation of UPI IDs associated with inactive mobile numbers.

Recharge inactive number

If the mobile number linked to your UPI ID is inactive for more than 90 days, then your UPI ID can be closed. This step is being taken to make the transactions done through UPI safe and fast. In such a situation, if your mobile number linked to UPI is not active for a long time, then get your number recharged.

What if you want to change the number linked to UPI?

If you want to change the phone number linked to your UPI ID, then first of all you have to contact your bank. Once you change the number linked to your bank account, you will be able to link your new number to UPI.

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This service will work in the same way as users of any online platform save their credit or debit card details. This is also called tokenization. Its biggest advantage will be that now while making online UPI payment, you will not have to give the ID again and again and this will reduce the payment time.

According to ET’s report, people associated with the matter said that there is a plan to allow NPCI users to store their UPI ID at the merchant checkpoint. Currently, when a customer checks out on an e-commerce site, he usually selects the UPI app and then the account through which he wants to make the payment. It has been told that when the customer locks the preferred UPI ID, the time can be reduced by reducing the steps in the process.

Approval will have to be taken from RBI

According to sources, before launching this facility, NPCI will have to get approval from the Reserve Bank of India (RBI). As per RBI’s instructions, payment gateways are only allowed to tokenize the card. Through this facility, users do not need to fill in the complete card details every time they make payment on the website. If the facility of saving UPI ID is approved, then making payment through UPI will become equal to card payment.

There will be improvement in customer convenience

If this feature is rolled out, consumers can save their UPI ID, called UPI handle, on popular merchant sites like ecommerce platforms, travel booking applications, food delivery apps and quick commerce platforms that they use regularly. This way users will not need to enter their UPI ID or select the UPI application every time they transact, which will improve customer convenience and increase the success rate of transactions.

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If you want your UPI to continue working without any interruption, then be sure to update your active mobile number with the bank. Otherwise, your UPI may be deactivated after April 1.

The National Payments Corporation of India (NPCI) has asked banks and UPI apps (such as GPay, PhonePe, Paytm) to update their records by March 31, 2025. Mobile numbers that are not being used will be removed from the UPI system.

Why was this step taken?

NPCI says that there are many UPI accounts linked to old or closed mobile numbers. Various technical issues and cases of fraud are increasing. When these numbers are given to a new user, there is a risk of money being transferred incorrectly from the old account.

Who will be affected?

Your UPI account may be closed if you have taken a new mobile number but it was not updated with the bank. Your old number is inactive (closed).

You surrendered your SIM card, but did not inform the bank.

How to avoid UPI shutdown?

Check the mobile number registered with your bank account. If you have changed your number, immediately update the new number in the bank. Complete this task before March 31, 2025, so that your UPI service continues.

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UPI ID is one such technology. Which was made by Indians only. In our country, lakhs of people use UPI every day. Also make payment through this. UPI was launched by National Payments Corporation of India (NPCI) in the year 2016. UPI is the most used system today. These days, there is a rise in online payments also. In such a situation, many people want to get more and more information about it. In such a situation, do you know how many UPI IDs can be created from one bank account?

Let us tell you that UPI is an intermediate real time payment system. Its biggest feature is that many different bank accounts can be linked to a single mobile app of UPI. You can transfer money and make payments to any merchant from the same mobile app.

How many UPI IDs can be linked to one bank account?

4 UPI IDs can be linked to one bank account. You can delete this UPI ID whenever you want. Not only this, you can also create multiple different UPI IDs on the same bank account. If you want to run UPI through Google Pay, then link it to a bank which supports UPI. On UPI app you have to create VPA or Virtual Payment Address. VPA varies from service provider to service provider. Like if the phone has UPI then its VPA will be your mobile number @ybl. If Google Pay has a VPA, its address will be your name @obbankname.

Know how separate accounts are created?

All UPI users have to create a VPA or User ID. It is linked to his bank account. This ID or mobile number is shared with the person from whom you have to take money. Due to this, money is deposited in the account. Multiple bank accounts can be linked to a single mobile app. However, each bank account will have its own separate UPI ID. One of these will be the primary bank account. In which you will receive money. While making payment, you will see different bank account options. You can give money from whichever account you want.

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If you have submitted the updated Bank Locker Agreement on or before December 31, 2022, you may need to sign and submit the updated Bank Locker Agreement once again. RBI has fixed December 31, 2023 as the last date for sequential implementation of the revised locker agreement.

UPI ID

NPCI (National Payment Corporation of India) issued a circular asking third party app providers and payment service providers to deactivate such UPI IDs, which have not done any transaction with their ID for a year. The UPI ID of such inactive customers will be deactivated by December 31. However, it has also been said by NPCI that such inactive accounts can be restarted but for this it is necessary to make at least one transaction. NPCI is a government organization that looks after the retail payment and settlement system in the country. NPCI regulates the UPI payment system.

mutual funds

If you invest in mutual funds and have not yet made a nominee, then you should complete this work before December 31, 2023, otherwise the mutual fund account will be frozen and you will not be able to redeem the investment. It is important for demat account holders to do this also. Despite having the facility to make a nominee, many people do not consider it so important and ignore it. Whereas it is very important to have a nominee to protect the family after you. Therefore, the deadline for this has been fixed as 31st December.

Aadhar card

If you want to update your Aadhar card, you can get it done by 14th December. During this period, you will not have to pay any fees etc. for Aadhaar update. After this you will have to pay the charge. If you update offline, you will still have to pay the charge for it. Let us tell you that the government has said that if you also have a 10 year old Aadhaar card, then you should get your Aadhaar updated.

SBI Amrit Kalash Scheme

If you want to take advantage of SBI’s special FD scheme Amrit Kalash, then you will have to invest in it by 31st December. In this special scheme which matures in 400 days, interest is being given at the rate of 7.10 percent. The deadline for this scheme has been fixed as 31st December.

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NPCI has issued a circular to Google Pay, Paytm and Phone Pay saying that those UPI IDs have not been activated for a year. This means that the users have not transacted with any of their UPI ID for a year. His ID should be closed after December 31, 2023.

Let us tell you that NPCI is a non-profit organization, which is India’s retail payment and settlement system. That means apps like PhonePe, Google Pay and Paytm work on its guidelines. Also, in case of any dispute, NPCI acts as its mediator.

Know what are the rules?

According to the NPCI circular, keeping in mind the security of the users, instructions have been given to close the UPI ID which is not used for 1 year. Actually, many times users create a new ID without delinking their old number. Due to this people can become victims of fraud. In such a situation, instructions have been given by NPCI to close the old ID.

At the same time, the old number of the user can be issued to someone else. This may increase the possibility of fraud. This is the reason why the decision has been taken to close Purani Ko ID.

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National Payments Corporation of India (NPCI) has directed all banks and third party apps to block those IDs in which no transaction has been done for one year. For this, NPCI has given time till 31st December. Therefore, in any case, activate your UPI ID before this date. The bank will also send a notification to the users through email or message before deactivating the UPI ID. With this step of NPCI, UPI transactions will become more secure than before. Besides, wrong transactions will also be stopped.

What does the new guideline say?

According to the new guidelines of NPCI, all third party apps and PSP banks will verify the UPI ID and the mobile number associated with it of inactive customers. If any kind of credit or debit has not been done from this ID for one year, then it will be closed.

From the new year, customers will not be able to transact with these IDs. NPCI has given time till December 31 to banks and third party apps to identify such UPI IDs. Through these new guidelines, NPCI wants to ensure that money is not transferred to the wrong person nor is it misused. Many such cases have come to light in recent times.

Difficulty comes with changing mobile number

Many times people change their mobile number and forget to deactivate the UPI ID associated with it. Due to the number being switched off for several days, it gets accessed by someone else. But, only the old UPI ID remains linked to this number. In such a situation, the possibility of wrong transaction increases manifold.

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National Payments Corporation of India (NPCI) has directed all banks and third party apps to block those IDs in which no transaction has been done for one year. For this, NPCI has given time till 31st December.

Therefore, in any case, activate your UPI ID before this date. The bank will also send a notification to the users through email or message before deactivating the UPI ID. With this step of NPCI, UPI transactions will become more secure than before. Besides, wrong transactions will also be stopped.

What does the new guideline say?

According to the new guidelines of NPCI, all third party apps and PSP banks will verify the UPI ID and the mobile number associated with it of inactive customers. If any kind of credit or debit has not been done from this ID for one year, then it will be closed. From the new year, customers will not be able to transact with these IDs.

There will be no scope for wrong transactions

NPCI has given time till December 31 to banks and third party apps to identify such UPI IDs. Through these new guidelines, NPCI wants to ensure that money is not transferred to the wrong person nor is it misused. Many such cases have come to light in recent times.

Difficulty comes with changing mobile number

Many times people change their mobile number and forget to deactivate the UPI ID associated with it. Due to the number being switched off for several days, it gets accessed by someone else. But, only the old UPI ID remains linked to this number. In such a situation, the possibility of wrong transaction increases manifold.

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Users can generate UPI using Aadhaar through National Payments Corporation of India (NPCI). Also you can set your UPI PIN without using debit card. Right now the company has started this service with only a few banks. Which will soon start with all the banks.

This facility has been introduced to help a large number of users to create UPI ID and enable them to make digital payments.

Because the number of UPI users is increasing rapidly and the number of people paying through UPI is also increasing. After the launch of Aadhaar based UPI, Google Pay customers can set their UPI PIN without debit card .

This will make it easier for many users. Along with this, online payment will also increase.

How to use Aadhaar for UPI activation

1. First of all, users have to choose one of the available options.
2. Users who want to generate UPI through Aadhaar must have mobile number registered with UIDAI and bank account. Also, their bank account should be linked to Aadhaar.
3. After this, users can select the option to generate debit card and Aadhaar-based UPI.
4. When you select the option of Link with Aadhaar Card, you will need to enter the first 6 digits of Aadhaar Card to initiate the process.
5. After this OTP will come on your registered mobile number. After entering which the process will be completed.

What is UPI number?

UPI number is the phone number verified by the bank which represents your UPI ID. Through this, it helps in receiving and paying money from the users. No matter which app the user is on. You can create maximum 3 UPI numbers for one UPI ID. This can be your phone number or any 8-10 digit numeric ID of your choosing.

How to create UPI number

• Step 1: In the top right of the app, click on your profile.
• Step 2: Under “Payment Methods”, select the bank account for which you want to create a UPI number.
• Step 3: Click on “Manage UPI Number”.
• Step 4: Follow the on-screen steps.

When you create the ID as your UPI number, remember that your UPI number cannot be all the same number of digits (for example, all zeros). You also cannot use the same three digits at the end of your UPI number. Nor can there be a choice of numbers in the form of counting. (eg 123456)

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From street vendors to retail chains, UPI is now ubiquitous in India because of the ease with which transactions are made. Even after that , due to wrong typing of UPI ID many times the money gets transferred to someone else. What should be done in such a situation so that your money can be recovered?

If wrong UPI ID money has been transferred

By the way UPI is a safe payment system. Even after that, even small mistakes made on your part can cause financial loss. Entering wrong UPI ID and transferring money to someone else’s bank account by mistake are some of the mistakes you might have come across. Most of us panic in such situations, but according to the Reserve Bank of India, you are recovering the money transferred to another account by entering the wrong UPI by taking the right steps.

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