UPI Kya Hai? Full Jankari Ab Hinglish Mein 2022

upi-kya-hai-hinglishblogin
Doston hinglishblog.in par aap sabka welcome hai, yeh blog UPI ke bare mein hone wala hai. Agar apko lag raha ho ki UPI kya hai? toh mein bata du UPI ka full form Unified Payments Interface hai.

Yeh technology India duara introduce kiya gya hai, aur India ne yeh ek bahut hi bada aur pramukh kadam liya tha apne economy ko cashless banane ke liye. Doston agar apko UPI ke bare mein bilkul idea nahi hai toh yeh blogpost apke liye hai.

Table Of Content

Unified Payments Interface (UPI) ko hum ek payment system (pranali) yah payment technology bol sakte hai jo upayogkartaon ko alag-alag bank accounts ko ek hi smartphone apps se link karne ki anumati deta hai.

Aap apne smartphone ko hi virtual debit card ke tarah use kar sakte hai aur instantly paisa receive ya send kar sakte hai bas UPI ID aur PIN ke madad se.

Simple sabdh mein bolu toh UPI alag-alag bank services ko ek hi chhat (roof) ke  neeche la deta hai.

UPI, transactions ko bahut hi easy kar deta hai kyunki fund transfer ke liye apko IFSC code aur account number ki jarurat nahi padti hai.

Yeh ek real-time payment system hai jiska matlab app real-time par paisa credit ya debit kar sakte ho.

UPI Kaise Kam Karta Hai?

Upayogkartaon ko UPI use karne ke liye bas virtual address ki jarurat hai jise Virtual Payment Address (VPA) kaha jata hai. VPA ki madad se aap sara transaction kar sakte hai aapko extra IFSC code ya account number ki jarurat nahi hai.

Paisa transfer karne ke liye bas apko dusre vyakti ka mobile number chahiye jo uske bank account se link hai ya fir uska UPI ID.

Apps jo UPI service support karta hai waha aap apna UPI ID bana sakte hai aur jayda tar case mein UPI ID apke moblie number se start hota hai.

Shuruat mein apka mobile number ata hai fir bich mein '@' ka symbol fir akhir mein aap jo app use kar rahe hai uska nam. For example, agar aap Paytm use kar rahe tab apka UPI ID kuch is prakar hoga '99XXXXXX89@paytm'.

UPI ID set karne ke liye sabse phele us app mein apko bank details dena hoga fir jis number se apka bank account linked hai waha OTP ayega, OTP darj karne ke bad apko PIN set karna hoga apne UPI ID ke liye.

Registration complete karne ke bad aap apne contact se kisi bhi number par paisa send kar sakte hai ya fir paisa request bhi kar sakte hai.

Agar apko UPI se fund transfer karna hai toh in 4 cheezon ki jarurat hogi

  • Smartphone
  • Active Bank Account
  • Active mobile number jo apke bank account se linked hai
  • Internet connection

UPI Kinse Shuru Kiya?

National Payments Corporation of India (NPCI) ne Reserve Bank of India (RBI) aur Indian Banks Association (IAB) ke sath partnership karke UPI-Unified Payments Interface ko shuru kia hai.

NCPI ek firm hai jo RuPay payment infrastructure ko handle karta hai jo ki similar hai Visa aur MasterCard ke tarah lekin RuPay card se aap international transaction nahi kar sakte hai.

NCPI ne aur ek initiative liya tha jiska nam Immediate Payment Service (IMPS) aur UPI iska advanced version hai.

UPI ID Aur PIN Kya Hai?

Alag-alag bank accounts ke alag-alag unique identificagtion hota hai aur use hi UPI ID khete hai jo paisa send aur ricieve karne ke time use hota hai.

UPI PIN ek 4-digit personal identification number hota hai jo hum use karte hai jab bhi humein UPI se fund transfer karna hota hai.

UPI Transaction Kaise Karte Hai?

Jab Paisa Send Karna ho

  • UPI wale app par login kare
  • Login karne ke bad 'Send money/Payment' select kare
  • Jisko paisa send karna hai uska virtual id daldo ya mobile number
  • Screen mein ek confirmation ayega
  • Fir apko apna UPI PIN dalna hoga
  • Money send ka message aah jayega

Jab Paisa Recieve karna ho

  • UPI wale app par login kare
  • Login ke bad 'Request money' select kare
  • Jise paisa receive karna ho uska mobile number ya virtual id daldo
  • Confirmation ka message ayega
  • Fir apko UPI PIN dalna hoga
  • Money request ka message ayega
  • Payer ko money request ka notification jayega
  • Payer notification par click karke notification ko review karega
  • Fir payer decide karega ki suko pay karna hai ya nahi
  • Agar payer accept karega toh usko apna UPI PIN dalke payment initiate karna hoga
  • 'successful ya decline' ka message ayega
  • Fir receiver ko message aah jayega ki amount has been credit

FAQS

Q1. UPI ka full form kya hai?
Ans: Unified Payments Interface.

Q2. Konse mobile platform par UPI use kar sakte hai?
Ans: UPI, Android aur IOS platform par use kar sakte hai.

Q3. Galat UPI PIN dalne se kya hota hai?
Ans: Agar apne galat UPI PIN dala hai toh apka transaction decline ho jayega.
Technology
September 02, 2022
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