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.
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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.
UPI Kya Hai? | Unified Payments Interface Kya Hai?
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 identification 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 usko 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
Q: UPI kya hai?
A: UPI ka matlab hai Unified Payments Interface, jise Bharat
Sarkar ne banaya hai. Yeh ek digital payments system hai jo online paise
bhejne aur prapt karne ke liye upyog kiya jaata hai.
Q: UPI kaise kaam karta hai?
A: UPI ek aisa system hai jiske through aap apne bank account se
bina kisi fees ke online paise transfer kar sakte hain. Aapko UPI ID
banana hoti hai aur uske baad aap apni bank app mein jaakar apne bank
account se dusre ke bank account mein paise transfer kar sakte hain.
Q: Kya UPI se offline payments bhi kiye ja sakte hain?
A: Haan, UPI ke dwara offline payments bhi kiye ja sakte hain.
Iske liye aapko UPI QR code ko scan karna hota hai aur apne phone se
payment karna hota hai.
Q: UPI ka upyog karne ke liye kya-kya dastaavej ki zarurat hoti
hai?
A: UPI ka upyog karne ke liye aapko sirf apna bank account number
aur registered mobile number chahiye hota hai. Iske baad aap apne bank
app mein UPI ID bana sakte hain.
Q: UPI ID kaise banate hain?
A: UPI ID banane ke liye aapko apne bank app mein jana hota hai
aur UPI option par click karke apna UPI ID banana hota hai.
Q: Kya UPI ka upyog karne ke liye kisi bhi bank mein account hona
zaruri hai?
A: Haan, UPI ka upyog karne ke liye aapke paas kisi bhi bank mein
account hona zaruri hai.
Q: Kya UPI se international payments bhi kiye ja sakte hain?
A: UPI abhi tak sirf Bharat ke andar hi upyog kiya jaata hai aur
iska upyog international payments ke liye abhi tak nahi kiya ja sakta
hai.
Q: Kya UPI ke dwara paise transfer karne ke liye koi fees lagti
hai?
A: Nahin, UPI ke dwara paise transfer karne ke liye koi fees nahi
lagti hai.
Q: Kya UPI se paise transfer karne ka koi limit hai?
A: Haan, UPI se paise transfer karne ka daily limit hota hai,
jisse aap ek din mein limited amount hi transfer kar sakte hain. Is
limit ka aapko apne bank se pata hona chahiye.
Q: Kya UPI ka upyog karne ke liye internet connection hona zaruri
hai?
A: Haan, UPI ka upyog karne ke liye aapke paas internet
connection hona zaruri hai. Aapko apne phone se internet connection
chalana hoga taki aap apne bank app mein jaakar paise transfer kar
saken.
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