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What is an App Passcode and how will I create App Passcode?

App Passcode is required to open the App. During registration process after SIM verification you will be asked to create an App Passcode, which is required for opening the BHIM OGB UPI App every time.

In case you forget they App Passcode, you can recover the same through forget option.

Accept the terms and conditions by clicking the tick mark.

What happens if I forget my UPI pin?

In case you forgets the UPI PIN of an Account, you needs to re-generate new PIN under Bank Account

Select an account from linked account list under Bank Account option and click on Reset UPI PIN option. Give the details of Debit (ATM) Card in the screen and create a new PIN using the OTP in the next screen.

What happens if my mobile phone is lost?

In case of mobile loss, you need to simply block your mobile number, by contacting your mobile service provider.

No transaction can be initiated without knowing your App Passcode and UPI PIN.

The transactions are further protected by device binding (linked to mobile handset). If the same SIM is used in a different mobile device, the user has to re-register.

Never share your App Passcode or UPI PIN with anyone.

In case, both your mobile handset and SIM is changed, you need to re-register for BHIM OGB UPI as a new user by creating new VPA.

In case my mobile is used by another person, will there be any security breach?

BHIM OGB UPI app has 2 levels of authentication. During login the application is secured by a Login password.

In any transaction through UPI, UPI PIN of the Account would be required which needs to be fed through the mobile at the time of transaction, making your BHIM OGB UPI safe and secured.

In case I want to disable the VPA, what should I do?

You have to login to BHIM OGB UPI app and go to settings menu and use the De-Register UPI option to de-register the UPI facility.

What is the upper transaction limit for sending or requesting money using BHIM OGB UPI?

For first transaction after setting UPI PIN maximum amount will be Rs.5,000/- and cumulative amount in a day will be Rs.5,000/- for the first 24 hours.

After 24 hours per transaction and per day limit is Rs.1, 00,000/- in BHIM OGB UPI, at present with single transaction threshold limit of Rs.50,000/-.

You can do a maximum number of 10 transactions in 24 hours per account within the Rs.1,00,000/- limit.

What are the different options for transferring funds using BHIM OGB UPI?

Transfer through VPA/UPI ID

Account Number + IFSC

Scanning QR Code

How can I transfer money or make payment?

Login to BHIM OGB UPI App

Select option 'Send Money' or 'Scan'

Select any of the payment options like VPA or Account and IFSC or QR Code.

Enter other required details like Amount and Narration.

Select Debit Account from the linked accounts and click Next button.

Enter UPI PIN to authorize transaction.

What is Collect Request?

Collect Request is for collecting money from you. If you receive a Collect Request, be mindful that money will be debited/paid from your account.

Never ever approve/authorize a 'Collect' request from an unknown person.

Collect request for P2P has been capped at Rs.2000 per request with maximum no of 5 requests per day.

How can I receive money using a Virtual Payment Address?

Login to BHIM OGB UPI App

Select option 'Pending Request'

Click on accept or reject.

What is the timeline to approve a collect request by a payer?

However, you can set time limit of maximum 45 days while generating the collect request.

How do I respond to a collect request that has been sent to me?

You will get a notification when anybody initiates a collect request on you

Click on the notification or Login to BHIM OGB UPI App

Click on the notification 'Pending Request'

Select required Collect request from pending items

Click Approve/Reject as per your wish

Enter UPI PIN for approving the request. Money will be debited from your account & sent to beneficiary's account instantly.

Can I transfer money abroad using BHIM OGB UPI?

No

Can I link my NRE/NRO accounts in BHIM OGB UPI?

No

If I have more than one account linked to a Virtual Payment Address, how do I select the account from which I want to send money to a beneficiary?

From Bank Accounts, Set Default Account for Transactions so that the default account is displayed in the dropdown during every transaction.

How can I track my transaction status?

Login to BHIM OGB UPI App

Select option 'History'(Bottom Right Corner) to see recent transactions. Transaction status will be displayed as - Pending/Success/Failed/Reject/Expired depending on the type of transaction.

Click on the particular transactions to know the details.

If I have any issue with UPI transactions, how can I raise a complaint?

Login to BHIM OGB UPI

Click on History to view all recent transactions

Select the transaction and Click Raise Dispute button

Select Dispute type, enter Remark

Click Submit

If there is any other query or complaint you can also write to upihelp@OGB.in.

What if my account is debited but the transaction does not go through?

UPI provides for reversal mechanism for technical declines.

The amount would be transferred back to your account on T+1 days after the beneficiary bank verifies at their end and advises to the remitter bank.

If the amount does not credited back to your account in 2 days, you can raise a dispute for the specific transaction through the App from the menu 'History'.

Can I put a stop payment request for funds transferred by BHIM OGB UPI?

No, once the payment is authorised, you cannot stop the transaction.

What if I commit a mistake while entering the VPA or Account number or IFSC code?

You have to contact the beneficiary through your Bank to get a refund.

Give a request to your branch for raising charge back on the beneficiary's Bank.

In this case, recovery of money from the beneficiary will be done purely on 'Good Faith' basis by the beneficiary bank on getting debit authority or approval from their customer.

Where do I register a complaint with reference to the BHIM OGB UPI transaction?

You can raise your grievance or check status of BHIM OGB UPI transaction through the UPI App of the participating banks and also send an email to upihelp@OGB.in

You can register your complaints and seek clarifications also on the following Toll Free numbers viz. 1800 890 4445 / 1800 425 4445.

Can I disable UPI facility in my account?

Yes. In case you did not want to continue to use UPI facility in your account, you can stop the facility by contacting your home branch and giving a written request or through the BHIM OGB UPI App.