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UPI Payment Infrastructure — NPCI 2026

UPI HANDLE DIRECTORY.

Find UPI handle for any Indian bank. Complete directory of UPI IDs for all major banks in India.

Find UPI Handle by IFSC

ALL BANK UPI HANDLES.

Complete Directory of UPI IDs

State Bank of India
SBI
SBINxxxx
@oksbi
App: YONO SBI
HDFC Bank
HDFC
HDFCxxxx
@okhdfc
App: HDFC Bank
ICICI Bank
ICICI
ICICxxxx
@okicici
App: iMobile Pay
Punjab National Bank
PNB
PUNBxxxx
@okpnb
App: PNB One
Axis Bank
AXIS
UTIBxxxx
@okaxis
App: Axis Mobile
Bank of Baroda
BOB
BARBxxxx
@okbob
App: BOB World
Canara Bank
CANARA
CNRBxxxx
@okcanara
App: Canara ai1
Union Bank of India
UNION
UBINxxxx
@okunion
App: Union Mobile
IndusInd Bank
INDUS
INDBxxxx
@okindus
App: IndusMobile
Kotak Mahindra Bank
KOTAK
KKBKxxxx
@okkotak
App: Kotak
Yes Bank
YES
YESBxxxx
@okyes
App: Yes Mobile
Federal Bank
FEDERAL
FDRLxxxx
@okfederal
App: FedMobile
IDFC First Bank
IDFC
IDFBxxxx
@okidfc
App: IDFC First
Bank of India
BOI
BKIDxxxx
@okboi
App: BOI Mobile
Central Bank of India
CENTRAL
CBINxxxx
@okcentral
App: Cent Mobile
Indian Bank
INDIAN
IDIBxxxx
@okindian
App: IndPay
Indian Overseas Bank
IOB
IOBAxxxx
@okiob
App: IOB Mobile
UCO Bank
UCO
UCBAxxxx
@okuco
App: UCO mBanking
Bank of Maharashtra
BOM
MAHBxxxx
@okmaharashtra
App: Maha Mobile
Punjab & Sind Bank
PSB
PSIBxxxx
@okpsb
App: PSB Mobile
South Indian Bank
SIB
SIBLxxxx
@oksib
App: SIB Mirror
Karur Vysya Bank
KVB
KVBLxxxx
@okkvb
App: KVB Mobile
City Union Bank
CUB
CIUBxxxx
@okcub
App: CUB Mobile
Tamilnad Mercantile Bank
TMB
TMBLxxxx
@oktmb
App: TMB Mobile
RBL Bank
RBL
RATNxxxx
@okrbl
App: RBL MoBank
Bandhan Bank
BANDHAN
BDBLxxxx
@okbandhan
App: mBandhan
IDBI Bank
IDBI
IBKLxxxx
@okidbi
App: IDBI Go
AU Small Finance Bank
AU
AUBLxxxx
@okau
App: AU 0101
Jana Small Finance Bank
JANA
JSFBxxxx
@okjana
App: Jana Bank
Equitas Small Finance Bank
EQUITAS
ESFBxxxx
@okequitas
App: Equitas Mobile

HOW TO USE UPI HANDLES.

Simple 4-Step Process

01

Open UPI App

Open any UPI-enabled app like Google Pay, PhonePe, Paytm, or your bank's app.

02

Enter UPI Handle

Type the UPI handle (e.g., @oksbi) followed by the recipient's mobile number or UPI ID.

03

Enter Amount

Enter the amount you want to transfer and add a note (optional).

04

Confirm & Pay

Enter your UPI PIN to confirm the payment. Money is transferred instantly!

GOT QUESTIONS?

What is a UPI handle?

A UPI handle is a unique identifier for a bank in the UPI system. It's the part after @ in a UPI ID (e.g., @oksbi for SBI, @okhdfc for HDFC Bank).

How do I find my bank's UPI handle?

You can find your bank's UPI handle in the list above. It's also shown in your UPI app when you add a bank account. The handle is usually @ok followed by a short form of your bank name.

Can I use any UPI app with any bank?

Yes! UPI is interoperable. You can use Google Pay, PhonePe, Paytm, or any UPI app to send money to any bank. Just enter the correct UPI handle.

UPI ID vs UPI handle — what's the difference?

UPI ID is your complete payment address (e.g., 9876543210@oksbi). UPI handle is just the bank part (@oksbi). Your UPI ID = your mobile/username + UPI handle.

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