UPI and IFSC
When you choose “pay to bank account” in a UPI app you enter the account number and IFSC; the payment still settles instantly over UPI.
Guide
UPI guide: how UPI works, limits and when IFSC is needed
Unified Payments Interface explained: VPA/UPI ID, transaction limits, and paying to an account number with IFSC.
Quick summary✔ RBI dataLast synced · release v2.0.62
UPI (Unified Payments Interface) is NPCI's real-time mobile payment system. You pay to a UPI ID, phone number or QR code; IFSC is only needed when you pay directly to an account number. The usual limit is ₹1,00,000 per transaction, with higher limits for some categories.
FAQ
Questions
Which banks support UPI?
Most scheduled banks. Each bank page on this site shows whether the bank is listed as UPI-enabled.