HDFC UPI- How to Register, Limit, and Charges

The HDFC UPI interface allows its customers to transfer funds easily with the help of HDFC UPI ID/VPA to the beneficiary’s account. To make a UPI transfer, the user does not require any kind of bank details, IFSC Code, account number, etc. The only requirement is of downloading HDFC UPI App on smartphones via Google Play Store or Apple Store for Android or IOS devices respectively.

The UPI interface allows customers to go cashless and transact using a smartphone using only a Virtual Payment Address (VPA). The handle name of HDFC UPI ID or VPA has the suffix- @hdfcbank. Therefore, to initiate a transaction via UPI there is no such need to add beneficiaries to make transfers such as NEFT, IMPS, etc. Once a VPA is created, one has to create an m-PIN and link all bank accounts through the app.

Contents

A user can have access to UPI 24*7, i.e. a transfer can be made via UPI at any time of the day with the help of the Internet, without worrying about the HDFC Bank timings.

Features of HDFC Limit

Simple to use

No addition of beneficiary required

A transaction can be done using the beneficiary’s UPI ID only (no other bank details required)

Ease of Access

Easy to access on your mobile phone

Non-HDFC Bank customers can use it via a non-login section of the Mobile Banking App

Secure transactions

All UPI transactions are authorized using a unique UPI PIN that you set for the account

Availability

Available 24*7, 365 Days

HDFC UPI Apps

PayZapp (@payzapp)
MobileBanking App (@hdfcbank)

How to use it?

For HDFC Bank Customers

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Create a BHIM / UPI ID

Click on the ‘BHIM UPI Payment’ icon at the bottom of the HDFC Bank Mobile Banking App
An auto SMS for device biding & security will be generated. Send this SMS (standard SMS charges will be applicable)
Create a UPI ID. E.g. your Mobile no as your UPI ID like 98XXXXXX21@hdfcbank.
Select the HDFC Bank account number to be linked to UPI ID.
Generate 4 digit UPI PIN using debit card details & UPI registration is done.

Pay Money using BHIM / UPI

Click on ‘the BHIM UPI Payment’ icon at the bottom of the HDFC Bank Mobile Banking App
Enter the 6-digit App password
Click on the option “Send Money”
You can select to pay via
UPI ID of the beneficiary
Account no. & IFSC
Mobile No. & MMID
Enter the Amount and other details
Enter 4 digit UPI PIN and Pay

Request Money using BHIM UPI:

Click on Account > BHIM HDFC Bank > Request Money

Go to Collect Option

Enter the UPI ID of the payer

Enter the amount and description
Set the Expiry Duration and Initiate request

For Non-HDFC Bank Customers

Create a BHIM / UPI ID:

Download the Mobile Banking App. (*For Android users only)

Click on the BHIM HDFC Bank icon on the bottom left of the screen

Create a UPI ID. e.g.(998765432@hdfcbank)

Choose a security question and set an answer

Choose Bank and bank account

Set 6-digit Application Password

Pay Money using BHIM / UPI

Click on the ‘BHIM HDFC Bank’ icon on the bottom left of the Mobile Banking App screen

*For Android users only

Enter the 6-digit App password

Click on ‘Pay’

You can select to pay via

UPI ID of the beneficiary

Account no. & IFSC

Enter 4 digit UPI PIN and Pay

HDFC UPI Limit

Below mentioned is the HDFC UPI Limit for the UPI-based transactions:

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UPI Transactions	Maximum Limit
P2P (Person to Person) and P2M (Person to Merchant)	INR 1 lakh or 10 transactions (Calculated on 24 hours basis)
Capital markets and Merchant collect (Eg:- AMC, Broking, Mutual Funds, Credit card payments, Loan re-payments, EMI, etc.)	INR 2 lakhs per transaction
IPO Application using UPI	INR 5 lakhs per transaction

Charges for HDFC UPI:

Transaction Amount	Fee (In RS)
INR 1 to INR 25000	INR 3
INR 25000 to INR 1 lakh	INR 5

How to Register to UPI:

HDFC Mobile Banking App

Download HDFC Mobile Banking App.
Login using your Customer ID and Password
Click on Menu/Pay/UPI Payment from your registered mobile number
Enter the UPI ID you desire
Add your Bank Account to start your UPI Payments

Google Pay

Download Google Pay App on his smartphone from the Play store
Enter his mobile number & click next
Wait for the phone to read the OTP sent by Google Pay.
Set App Pin
Click New Payment & select HDFC Bank.
Select your Bank Account & keep the Debit card handy
Enter the Debit card’s last 6 digits, and debit card pin followed by an OTP & debit card pin of the street vendor. Now set the 4-digit UPI Pin