Unified Payment Interface (UPI) | Tamil Nadu Grama Bank

Payment Services

UPI

Overview	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, seamlessfund routing & merchant payments into one hood. It also caters to the “Peer to Peer” collectrequest which can be scheduled and paid as per requirement and convenience.
Features/Benefits	Round the clock availability Single Application for accessing different bank accounts Conveniently make utility bill payments, Over theCounter (OTC) payments, and QR Code (Scan and Pay) payments. Make merchant payments with a single application or in-app payments Use of Virtual ID is more secure, no credential sharing Single click authentication Raise Complaint from Mobile App directly
Eligibility	Customers of TNGB can send/receive payments under UPI Scheme to/ from any destination Bank/ Branch which is registered with NPCI’s UPI System.
Steps for Registration&UPI – PIN Generation/ Change	Registration User downloads the UPI application from the Play Store, App Store etc. User creates his/her profile by entering details like name, virtual id (payment address), 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 selects the bank account from which he/she wants to initiate the transaction User clicks one of the options– “Tamil Nadu Grama Bank” User receives OTP from Our bank on his/her registered mobile number User now enters last 6 digits of Debit card number and expiry date User enters OTP and enters his preferred numeric UPI PIN(UPI PIN that he would like to set) and clicks on Submit After clicking submit, customer gets notification (successful or decline)
	Change UPI PIN User enters his old UPI PIN and preferred new UPI PIN (UPI PIN that he would like to set) and clicks on Submit After clicking submit, customer gets notification (successful or failure)
How it Works?	PUSH - Send Money: A Pay Request is a transaction where the initiating customer is pushing funds to the intended beneficiary. Payment Addresses include Mobile Number & MMID, Account Number & IFSC and Virtual ID User logs in to UPI application After successful login, user selects the option of Send Money/Payment User enters beneficiary’s/Payee virtual id, amount and selects account to be debited User gets confirmation screen to review the payment details and clicks on Confirm User now enters UPI PIN User gets successful or failure message PULL - Request Money: A Collect Request is a transaction where the customer is pulling funds from the intended remitter by using Virtual ID. User logs in to his bank’s UPI application After successful login, user selects the option of collect money (request for payment) User enters remitters/payers virtual id, amount and account to be credited User gets confirmation screen to review the payment details and clicks on confirm The 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
Requirements	Savings Bank a/c Unique Mobile Number should be linked with bank a/c Smart Phone with internet facility Debit Card (ATM Card) UPI Apps viz., BHIM, GPay, PhonePe, Paytm etc.
Amount of Remittance	Upto 50,000/- per transaction Upto 1,00,000/- per day
Timings	UPI operates 24/7, enabling users to make transactions at any time, including weekends and holidays.
Rates & Charges	NIL