NPCI’s Unified Payments Interface (UPI) set to go live

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National Payments Corporation of India (NPCI), the umbrella organisation for all retail payments system in India is pleased to announce that Unified Payments Interface (UPI) is going live for customers with 21 banks.

On April 11, 2016, the soft-launch of UPI was announced by Dr. Raghuram Rajan. For the last few months it was under pilot run mainly with employee-customers. The purpose of ‘pilot run’ was to ensure that technical glitches, if any, are fixed and the product gives a smooth experience for immediate ‘Pay’ and ‘Collect’ with Virtual Payment Address (VPA).

A. P. Hota, MD & CEO, NPCI said

This is a success of enormous significance. Real-time sending and receiving money through a mobile application at such a scale on inter-operable basis had not been attempted anywhere else in the world. Now the UPI App will be made available on Google Play Store by banks.

After assessing the success of pilot run, RBI had accorded their final approval for public launch of the product. NPCI had decided that only the banks with 1000 pilot customers, 5000 transactions and success rate of around 80 percent would be permitted to go live. Such a threshold criteria helped banks to refine their systems and procedure.

The UPI app of 19 banks will be available on the Google Play Store in next two to three working days for the customers to download and start using. The relevant details of the service would be available on the website of 21 banks.

List of Banks which are going live with UPI

Banks providing UPI enabled mobile app on Google Play Store:

  • Andhra Bank, Axis Bank
  • Bank of Maharashtra
  • Bhartiya Mahila Bank
  • Canara Bank, Catholic Syrian Bank
  • DCB Bank
  • Federal Bank
  • ICICI Bank
  • TJSB Sahakari Bank
  • Oriental Bank of Commerce
  • Karnataka Bank
  • UCO Bank
  • Union Bank of India
  • United Bank of India
  • Punjab National Bank
  • South Indian Bank
  • Vijaya Bank &
  • YES Bank.



  • IDBI Bank and RBL Bank are on-boarded as issuers. It enables their customers to download any UPI enabled Apps mentioned above and link their account.


About UPI

UPI is a unique payment solution which empowers a recipient to initiate the payment request from a smartphone. It facilitates ‘virtual payment address’ as a payment identifier for sending and collecting money and works on single click 2 factor authentication. It also provides an option for scheduling push and pull transactions for various purposes like sharing bills among peers. One can use UPI app instead of paying cash on delivery on receipt of product from online shopping websites and can pay for miscellaneous expenses like paying utility bills, over the counter payments, barcode (scan and pay) based payments, donations, school fees and other such unique and innovative use cases. For more information, please visit http://www.npci.org.in/UPI_Documents.aspx

About NPCI

National Payments Corporation of India (NPCI) was set up in 2009 as the central infrastructure for various retail payment systems in India and was envisaged by the Reserve Bank of India as the payment utility for all banks in the country. During the last six years, the organisation has grown multi-fold from 2 million transactions a day to 25 million transactions now. For more information, please visit http://www.npci.org.in/