HDFC Unified Payments Interface

Step 2: Launch the respective app on the mobile phone and proceed to click on the 'UPI' option

Step 3: Begin the registration process by choosing a VPA, name, answer the secret question, and choose the bank name as HDFC. Once this is done click on 'Next'

Step 4: Proceed to fill in bank account number and click 'Register'

Step 5: A confirmation message for successful registration will be displayed on the screen. Now proceed to set up a UPI m-PIN

Step 6: To set up m-PIN, Enter the name, VPA, select account, fill in the last 6 digits of your debit card and the expiry date of the card. Proceed to click 'Submit'.

Step 7: A confirmation message will be displayed on the screen after successfully creating the m-PIN

Please note that an m-PIN is a password that the user will have to provide each time he/she logs into the app.

How to Transfer Money Using HDFC UPI App

Step 1: Go to the HDFC mobile banking app and login by providing the respective m-PIN

Step 2: Click on 'UPI' and tap the 'Pay' option

Step 3: Choose the bank account from which the money has to be transferred

Step 4: Key in the VPA of the payee. Enter amount to be transferred and write remarks, if any

Step 5: Confirm details and Click 'Pay'

Step 6: The final step is to provide the m-PIN and click 'Submit'

How to Collect/Receive Money Using HDFC UPI App

Step 1: Go to the HDFC mobile banking app and login by providing the respective m-PIN

Step 2: Go to the 'UPI' section and click on 'Collect'

Step 3: Enter the VPA of the payer

Step 4: Enter the transaction amount and click 'Confirm'

Step 5: Set an expiry date or deadline within which money has to be sent

Step 6: Initiate the request. The money will be credited once the payer accepts/approves the request

Benefits of HDFC UPI

1. Secure and safe: One cannot carry out transactions through this app without providing the m-PIN. This pin has to be keyed in for all transactions via the app, giving this type of payment mechanism an added level of security.
2. Easy transfer without bank account details: One does not need to add a beneficiary or provide bank account details for initiating a fund transfer via this method of payment. One can easily carry out a transaction using the VPA at a much faster rate without any hassle.
3. Virtual address: A VPA is given to each individual who registers for the app. Using this, one can easily send and collect money. There is also a provision to create multiple VPAs, making the account safe and secure.
4. Instant transfer: This payment platform enables users to make seamless money transfers and also make collect requests on a 24 /7 basis. Transactions can be made at any time and there are no restrictions when it comes to bank holidays, etc.

HDFC UPI Charges and Limits

HDFC charges a processing fee for all transactions carried out through the app.

HDFC UPI Daily Transaction Limits

HDFC Bank has set specific transaction limits for UPI to ensure secure and controlled fund transfers:

Timings of HDFC UPI

All HDFC UPI transactions can be made at any time and there are no specific timings for this service.