The Power of Instant, 24/7 Payments.
Forget bank account numbers and IFSC codes. With Bharat Bank UPI, your mobile number or a unique Virtual Payment Address (VPA) is all you need to send and receive money instantly.
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Free Insurance
Life & Accident Cover
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Digital Services
Mobile Banking, UPI
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Debit Card
Rupay Classic, Platinum
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Personal Service
People-centric Banking
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Instant Transfers: Real-time fund transfers between bank accounts, 365 days a year, even on Sundays and bank holidays.
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Scan & Pay: Pay at millions of retail stores, pharmacies, and fuel stations by simply scanning a Bharat QR or any UPI QR code.
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One App, Multiple Accounts: Link your Bharat Bank account along with other bank accounts to a single UPI app for centralized financial management.
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UPI Lite (For Small Payments): Execute "PIN-less" transactions for values up to ā¹1,000 using an on-device wallet, ensuring success even during peak traffic hours.
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UPI Circle (Delegated Payments): Grant secondary access to family members (like children or seniors) with pre-set spending limits, while you retain primary control over approvals.
Following the latest NPCI and RBI mandates, Bharat Bank supports enhanced limits for specific high-value categories.
|
Category |
Per Transaction Limit |
Daily Cumulative Limit |
|---|---|---|
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Standard (P2P / P2M) |
ā¹1,00,000 |
ā¹1,00,000 |
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Educational & Hospitals |
ā¹5,00,000 |
ā¹5,00,000 |
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Tax & Insurance Payments |
ā¹5,00,000 |
ā¹10,00,000 |
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Capital Markets / IPOs |
ā¹5,00,000 |
ā¹10,00,000 |
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UPI 123Pay (Feature Phones) |
ā¹10,000 |
ā¹10,000 |
Security Note: New UPI users have a restricted transaction limit of ā¹5,000 for the first 24 hours after registration to prevent unauthorized usage.
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Download: Install the Nexa (Bharat Bank) app or any UPI app like BHIM, Google Pay, or PhonePe.
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Verify: Select your registered mobile number; the app will send an automated SMS to verify your details.
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Link Account: Search for "Bharat Co-operative Bank" in the bank list. The app will fetch your account details automatically.
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Set PIN: Enter the last 6 digits and expiry date of your Debit Card. Enter the OTP received and set your secret UPI PIN.
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Create VPA: Set your unique Virtual Payment Address (e.g., yourname@bharatbank or mobile@upi).
|
Service |
Charges |
|---|---|
|
Person-to-Person (P2P) |
FREE |
|
Person-to-Merchant (P2M) |
FREE |
|
UPI PIN Reset |
FREE |
|
Balance Inquiry |
FREE (Max 50 checks/day) |
- Is it safe to use UPI?
Yes. UPI uses Two-Factor Authentication (2FA): your physical mobile device and your secret UPI PIN. All data is encrypted using SSL/TLS 1.3 standards. - Can I receive money without a UPI PIN?
Yes. You only need your UPI PIN to send money or check your balance. You should never enter your PIN to receive money, this is a common fraud tactic. - What happens if a transaction is "Stuck" or "Pending"?
Usually, the amount is automatically refunded within 48 hours if the transaction fails. You can raise a dispute directly through the "U-P-I Help" section in your app. - Can NRIs use Bharat Bank UPI?
Yes, NRIs with NRE/NRO accounts can link their international mobile numbers to UPI, provided they are from supported countries (USA, UAE, UK, Singapore, etc.).
-
Instant Transfers: Real-time fund transfers between bank accounts, 365 days a year, even on Sundays and bank holidays.
-
Scan & Pay: Pay at millions of retail stores, pharmacies, and fuel stations by simply scanning a Bharat QR or any UPI QR code.
-
One App, Multiple Accounts: Link your Bharat Bank account along with other bank accounts to a single UPI app for centralized financial management.
-
UPI Lite (For Small Payments): Execute "PIN-less" transactions for values up to ā¹1,000 using an on-device wallet, ensuring success even during peak traffic hours.
-
UPI Circle (Delegated Payments): Grant secondary access to family members (like children or seniors) with pre-set spending limits, while you retain primary control over approvals.
Following the latest NPCI and RBI mandates, Bharat Bank supports enhanced limits for specific high-value categories.
|
Category |
Per Transaction Limit |
Daily Cumulative Limit |
|---|---|---|
|
Standard (P2P / P2M) |
ā¹1,00,000 |
ā¹1,00,000 |
|
Educational & Hospitals |
ā¹5,00,000 |
ā¹5,00,000 |
|
Tax & Insurance Payments |
ā¹5,00,000 |
ā¹10,00,000 |
|
Capital Markets / IPOs |
ā¹5,00,000 |
ā¹10,00,000 |
|
UPI 123Pay (Feature Phones) |
ā¹10,000 |
ā¹10,000 |
Security Note: New UPI users have a restricted transaction limit of ā¹5,000 for the first 24 hours after registration to prevent unauthorized usage.
-
Download: Install the Nexa (Bharat Bank) app or any UPI app like BHIM, Google Pay, or PhonePe.
-
Verify: Select your registered mobile number; the app will send an automated SMS to verify your details.
-
Link Account: Search for "Bharat Co-operative Bank" in the bank list. The app will fetch your account details automatically.
-
Set PIN: Enter the last 6 digits and expiry date of your Debit Card. Enter the OTP received and set your secret UPI PIN.
-
Create VPA: Set your unique Virtual Payment Address (e.g., yourname@bharatbank or mobile@upi).
|
Service |
Charges |
|---|---|
|
Person-to-Person (P2P) |
FREE |
|
Person-to-Merchant (P2M) |
FREE |
|
UPI PIN Reset |
FREE |
|
Balance Inquiry |
FREE (Max 50 checks/day) |
- Is it safe to use UPI?
Yes. UPI uses Two-Factor Authentication (2FA): your physical mobile device and your secret UPI PIN. All data is encrypted using SSL/TLS 1.3 standards. - Can I receive money without a UPI PIN?
Yes. You only need your UPI PIN to send money or check your balance. You should never enter your PIN to receive money, this is a common fraud tactic. - What happens if a transaction is "Stuck" or "Pending"?
Usually, the amount is automatically refunded within 48 hours if the transaction fails. You can raise a dispute directly through the "U-P-I Help" section in your app. - Can NRIs use Bharat Bank UPI?
Yes, NRIs with NRE/NRO accounts can link their international mobile numbers to UPI, provided they are from supported countries (USA, UAE, UK, Singapore, etc.).