In times of lock down, we understand your payments may be irregular. This can impact your credit score adversely. Timely payment of dues will help you to maintain a healthy credit score.

Earlier Mobile banking was not as used as it is now, amid concerns by Coronavirus. Now you can pay your dues online without any hassle.

There is fear and anxiety in the air. Everyone is dealing with concerns related to Coronavirus. This is a time when you have to value your credit health more than ever and ensure that you maintain a healthy credit score. If you have an outstanding loan, make sure you clear your dues.

Click here to find out more about your credit score

Also be aware that there are many online options you can take advantage of to clear your dues. Here are some options available for making online payments.

1. Bank Portals

2. UPI

3. Google Pay

4. Paytm

RBI Guidelines for Self Pay

Bank payment portals

Following are the direct payment links for bank payment:

Unified Payments Interface (UPI) is a system that powers multiple bank accounts into a single mobile application (of any participating bank), merging several banking features, seamless fund routing & merchant payments into one hood. It also caters to the “Peer to Peer” collect request which can be scheduled and paid as per requirement and convenience.

With the above context in mind, NPCI conducted a pilot launch with 21 member banks.

Banks started uploading their UPI-enabled Google Play store apps from August 25th, 2016 onwards.

How is it unique?
  • Immediate money transfer through mobile device round the clock 24*7 and 365 days.
  • Single mobile application for accessing different bank accounts.
  • Single Click 2 Factor Authentication – Aligned with the Regulatory guidelines, yet provides for a very strong feature of seamless single click payment.
  • Virtual address of the customer for Pull & Push provides for incremental security with the customer not required to enter the details such as Card no, Pins, Account number; IFSC etc.
  • Bill Sharing with friends.
  • Best answer to Cash on Delivery hassle, running to an ATM or rendering exact amounts.
  • Merchant Payment with Single Application or In-App Payments.
  • Utility Bill Payments, Over the Counter Payments, Barcode (Scan and Pay) based payments.
  • Raising Complaint from Mobile App directly.
Participants in UPI
  • Payer PSP
  • Payee PSP
  • Remitter Bank
  • Beneficiary Bank
  • NPCI
  • Bank Account holders
  • Merchants

UPI - Benefits to individuals in the Ecosystem

Benefits for banks:
  • Single click Two Factor authentication
  • Universal Application for transaction
  • Make the most of current infrastructure
  • Safer, Secured and Innovative
  • Payment basis Single/ Unique Identifier
  • Allow seamless dealings between merchants
Benefits for end Users (Customers):
  • Round the clock availability
  • Single Application to access different bank accounts
  • Use of Virtual ID is more secure, no credential sharing
  • Single click authentication
  • Raise Complaint from Mobile App directly
Benefits for Merchants:
  • Seamless fund collection from customers - single identifiers
  • No risk of storing customer’s virtual address like in Cards
  • Tap customers not having credit/debit cards
  • Suitable for e-Com & m-Com transaction
  • Resolves the COD collection problem
  • Single click 2FA facility to the customer - seamless Pull
  • In-App Payments (IAP)

Registration in UPI enabled application

What is required for Transaction
  • Smartphone with internet facility
  • Use registered MPIN
  • Self Service Mode
  • Resolves the COD collection problem
  • Single click 2FA facility to the customer - seamless Pull
  • In-App Payments (IAP)
Process for Registration
  • Downloads the UPI application from the App Store/Banks website
  • The user generates his / her profile by entering information such as name, virtual Id, password etc.
  • User goes to “Add/Link/Manage Bank Account” option and links the bank and account number with the virtual id
Generating UPI – PIN
  • User chooses the bank account from which he / she wishes to initiate the transaction
  • User clicks one of the following options:
A. create M-PIN
  • You receives OTP from the Issuer bank on his/her registered mobile number
  • You will now enter the last 6 digits of Debit card number and expiry date
  • Enter the OTP and your preferred numeric UPI PIN( UPI PIN that you would like to set) and clicks on Submit
  • After clicking submit, you will get the notification (successful or decline)
B. Change M-Pin
  • Enter the old UPI PIN and preferred new UPI PIN (UPI PIN that you would like to set) and clicks on Submit
  • After clicking submit, you will get the notification (successful or failure)

Performing a UPI Transaction:

A. PUSH – sending money using virtual address
  • You need to log in to UPI application
  • After successful login, select the option of Send Money/Payment
  • Enter the beneficiary’s/Payee virtual id, amount and selects account to be debited
  • You will get the confirmation screen to review the payment details and clicks on Confirm
  • Enter the UPI PIN
  • You will get successful or failure message
B. PULL – Requesting money
  • Please log in to his bank’s UPI application
  • After successful login, select the option of collect money (request for payment)
  • Enter the remitters/payers virtual id, amount and account to be credited
  • You will get the confirmation screen to review the payment details and clicks on confirm
  • he payer will get the notification on his mobile for request money
  • Payer now clicks on the notification and opens his banks UPI app where he reviews payment request
  • Payer then decides to click on accept or decline
  • In case of accept payment, payer will enter UPI PINto authorize the transaction
  • Transaction complete, payer gets successful or decline transaction notification
  • Payee/requester gets notification and SMS from bank for credit of his bank account
Sr. No. TPAP / Merchant Name PSP / Acquiring Bank Handle Name
1 Airtel Airtel Payments bank @airtel
2 Amazon Pay Axis Bank @ap
3 Bajaj Finserv Direct Ltd Axis Bank @abfspay
4 FAStag IndusInd Bank @indusind
5 Flipkart* Yes Bank @ybl
6 Google Pay Axis Bank @okaxis
HDFC Bank @okhdfcbank
ICICI @okicici
State Bank of India @oksbi
7 Myntra* Yes Bank @ybl
8 Phonepe* Yes Bank @ybl
9 Swiggy* Yes Bank @ybl

# Live for limited users

* Live on UPI with other partners

Google pay - Money made simple, by Google

Google Pay is a digital wallet and online payment system developed by Google to support in-app and tap-to-pay transactions on mobile devices, allowing users to make payments on Android phones, tablets or watches.

Google Pay is the simplest way to send money home to your family, recharge your mobile, or pay the neighbourhood chaiwala.

Recharge your mobile in a tap, and finish on Google Pay with those monthly bills. You are now free to go shopping-online, or at a store. We have provided you with easy access to past transactions so you still have leverage. Using UPI or Google Pay whenever you see it.

Deposit or receive money with zero fees, to almost everyone directly from your bank account. Even if your contact is not on Google Pay you can send or receive money. Break a friend's lunch, pay the rent or give money to mom.

Pay and immediately obtain money using your current bank accounts. No more reloading balances or withdrawal fees on mobile wallets. It's your money, that's made easy.

Google Pay is operating with all the banks funding BHIM UPI.


With a world class protection program that helps detect fraud and prevents hacking, Google Pay protects your money. Save your account by locking your computer, such as your fingerprint. And if you ever need assistance, our support centre, phone and chat is open all day, every day.


Click Here to download the Paytm Application

Paytm, the most famous wallet & UPI app in India! Now make payments & move money through any Paytm bank account. No KYC Wallet required.

Using Paytm as an electronic payment app, bank to bank money transfers, purchase fastag, recharge & manage fastag, mobile recharge app and postpaid & utility bill payments, UPI payments, online shopping, IRCTC train ticket booking, bus & flight bookings, movie tickets, LIC insurance payments, etc.

Just go cashless with Paytm app - Pay (पे) directly through your bank accounts or add money to wallet & scan QR codes at nearby stores for sabse tez payments by simply linking your bank account via UPI.

Things can be done via Paytm:
Link your bank account via UPI or add money to your Paytm wallet & make quick payments. Pay (पे) by phone through QR code scanner at your neighbourhood stores, big retail chains, restaurants, petrol pumps, fashion outlets, grocery stores etc.

1. Pay Online & Offline Stores
2. Money Transfer
3. Entertainment: Movie Tickets, Amusement Parks & Events
4. Water, Gas & Electricity Bill Payment
5. DTH Recharge
6. Enjoy Online Shopping