UPI Kya Hai Aur Kaise Upayog Karte Hai? 2023

Kya aapko pata hai UPI kya hai aur kaise upayog karte hai? Swagat hai hinglishblog.in par, yah blog post UPI ke bare mein hone wala hai.

Jo log vyaapar karte hai unka roj paiso ke sath len-den hota hai, toh unko pata hai ki UPI kya hai? Lekin bahut sare ese log bhi hai jinka vyaapar se koi len-dena nahi hai aur vah log roj paiso se len-den bhi nahi karte hai, un logon ko ye samjhne mein mushkil hoti hai ki UPI kya hai? 

Toh agar aap un logon mein se hai jinko UPI ke bare mein kuch nahi pata toh aap pareshan na ho hinglishblog.in apke liye laya hai yah blog post jaha hum vistaar mein aapko batayenge UPI ke baare mein, ki UPI kya hai aur kaise upayog karte hai?

UPI Kya Hai?

UPI ka full form Unified Payment Interface hai. UPI ek payment system (pranali) hai jo upayogkartaon ke alag-alag bank accounts ko ek hi smartphone apps se link karne ki anumati deta hai. UPI ke madad se aap apne smartphone ko virtual debit card ke tarah upayog kar sakte hai.

UPI ke madad se aap haaton-haat paisa bhej aur praapt kar sakte hai, iske liye aapko bas UPI ID aur UPI Pin ki jarurat padegi.

Saral shabd mein bolu toh UPI alag-alag bank accounts ko ek hi chaat ke neeche la deti hai. UPI, paise ke len-den ko bahut hi saral kar deta hai kyunki paise bhejne aur praapt karne ke liye aapko IFCS code aur account number ki jarurat nahi padti.

UPI kaise upayog karte Hai?

Upayogkartaon ko UPI use karne ke liye virtual address ki jarurat hai jise VAP (virtual payment address) kaha jata hai. VAP apko cashless transactions karne mein madad karta hai, bina IFSC code aur account number ke.

Paisa bhejne ke liye bas apko dusre vyakti ka mobile number chahiye hoga jo uske bank account se linked hai. UPI service ko support karne wale jitne bhi applications hai, waha aap apna UPI ID bana sakte hai.

Yah bahut hi aam hai ki UPI ID apke mobile number hi shuru ho, Shuruat mein apka mobile number ata hai fir "@" symbol, fir bad mein jo application aap use kar rahe hai uska nam. Udaharan ke liye agar Paytm use karte hai toh aapka UPI ID kuch is prakar hoga "936.....02@paytm".

UPI ID aur UPI Pin Kya hai?

UPI ka upayog karne liye hum koi sa bhi bank account use kar sakte hai, toh jab hum us bank account ko UPI ke liye link karte hai toh ek Id create hota hai use hi UPI ID kahte hai. Aur jaise ki har alag-alag bank accounts ke numbers alag hote hai usi tarah UPI ID bhi sabka alag-alag hota hai. 

UPI Pin 4-ankh ka hota hai jo password ke jaisa hi kam karta hai, Jab humein UPI se paise ki len-den karna ho tab hum UPI Pin ka upayog karte hai.

Agar aapko UPI ID set karna hai toh sabse phele jis application ko aap use karte hai waha apna bank details ko jorna hoga. Fir jo number aapke bank account se linked hai waha OTP ayega, OTP darj karne ke bad aapko pin ek set karna hoga fir aapka UPI ID baan jayega.

UPI ki Shuruat kab hui?

NCPI (National Payments Corporation of India) ne RBI (Reserve Bank of India) aur IAB (Indian Bank Association) ke saath saajhedari karke UPI (Unified Payment Interface) ko 21 member banks ke saath 11th April 2016 ko shuru kiya.

NCPI (National Payments Corporation of India) ek sanstha hai jo RuPay payment infrastructure ko handle karta hai, jo ki Visa aur Mastercard se milta-julta hai baas antar itna hai ki RuPay card se aap international paiso ki len-den nahi kar sakte.

NCPI ne IMPS (Immediate Payment Service) ki bhi shuruat ki thi aur UPI isi ka hi advanced version hai.

UPI se payment kaise kare?

Jab aapko paisa bhejna ho

1. UPI wale application par login kare
2. Login karne ke bad 'Send money' select kare
3. Jisko paisa bhejna hai uska UPI Id daldo ya mobile number
4. Screen mein ek confirmation ayega
5. Fir apko apna UPI PIN dalna hogaMoney send ka message aah jayega

Jab aapko kisi aur se paisa praapt karna ho

1. UPI wale application par login kare
2. Login ke bad 'Request money' select kare
3. Jisse paisa praapt karna ho uska mobile number ya UPI Id daldo
4. Confirmation ka message ayegaFir apko UPI PIN dalna hoga
5. Money request ka message ayega
6. Payer ko money request ka notification jayega
7. Payer notification par click karke notification ko review karega
8. Fir payer decide karega ki wo aapko pay karega ya nahi
9. Agar payer accept karega toh usko apna UPI PIN dalke payment shuru karna hoga
10. 'successful ya decline' ka message ayega
11. Fir receiver (aapko) ko message aah jayega ki amount has been credit

Kon-kon se banks UPI Support karte hai?

1. State Bank of India
2. ICICI Bank
3. Axis Bank
4. HDFC Bank
5. Kotak Mahindra Bank
6. Bank of Baroda
7. Yes Bank
8. UCO Bank
9. Union Bank of India
10. RBL Bank
11. Punjab National Bank
12. Allahabad Bank
13. South Indian Bank
14. Canara Bank
15. Andhra Bank
16. Bank of Maharastra
17. Catholic Syrian Bank
18. DCB
19. Federal Bank
20. United Bank of India
21. IDBI Bank
22. IDFC Bank
23. IndusInd
24. HSBC
25. OBC
26. TJSB
27. Standard Chartered Bank

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.