The use of UPI has simplified the money transfer process. You don’t need to remember the account number, account type, IFSC, or bank name of the recipient. Instead, you can send money to them simply by knowing their Aadhaar number, bank account cell phone number, or UPI ID. You can create a UPI ID on any app that supports the UPI service. A UPI ID usually starts with your phone number, then the ‘@’ sign, and concludes with the app you’re using.
If your phone number is 90xxxxxx60 and you use the Paytm app, your UPI ID may be ’90xxxxxx60@paytm’. The ID can be created by entering your bank account information into the app. The application