A UPI ID (also called Virtual Payment Address or VPA) is a unique identifier used in India's Unified Payments Interface system. It has the format username@bankhandle and allows instant money transfers between bank accounts.

What is the format of a valid UPI ID?

A valid UPI ID follows the pattern: username@bankhandle. The username can be 2–256 characters (letters, digits, dots, hyphens, underscores) and the bank handle must be 2–64 letters.

What is a UPI bank handle?

The part after the "@" symbol is the bank handle (also called PSP handle). It identifies the Payment Service Provider (bank or wallet) that manages the UPI ID. For example, @oksbi is managed by SBI, @ybl by PhonePe/Yes Bank.

Does this tool verify if a UPI ID is active?

No. This tool only validates the format and identifies the bank from the handle. It does not connect to NPCI or any bank to verify if the UPI ID is registered or active.

What does "Unknown bank handle" mean?

If your UPI ID format is valid but the handle is not in our database of 50+ handles, it shows "Unknown bank handle." This does not mean the ID is invalid — it may be a newer or less common handle.

What is @ybl used for?

@ybl is the UPI handle used by PhonePe, operated through Yes Bank. It is one of the most widely used UPI handles in India.

Can I have a UPI ID without a bank account?

Some wallet-based UPI handles like @paytm or @airtel allow UPI payments through prepaid wallets, but most handles require a linked bank account.

Why do some UPI handles start with "ok"?

Google Pay uses handles starting with "ok" for partner banks: @oksbi (SBI), @okicici (ICICI), @okaxis (Axis), and @okhdfcbank (HDFC). The "ok" prefix is specific to Google Pay's PSP arrangement.

Is my UPI ID safe to enter here?

Yes. All validation is done entirely in your browser. Your UPI ID is never transmitted to any server.

How many UPI handles does this tool recognize?

This tool recognizes 50+ UPI handles covering all major banks, wallets, and payment apps in India including SBI, HDFC, ICICI, Axis, Kotak, PhonePe, Google Pay, Paytm, Amazon Pay, and many more.

UPI ID Validator

Check if a UPI ID is valid and identify the bank or payment app instantly.

Enter UPI ID (VPA)

username@bankhandle— username: letters, digits, . - _ | handle: letters only

Popular UPI Bank Handles

@oksbiSBI (via Google Pay)

@okiciciICICI Bank (via Google Pay)

@okaxisAxis Bank (via Google Pay)

@okhdfcbankHDFC Bank (via Google Pay)

@yblPhonePe / Yes Bank

@axlPhonePe / Axis Bank

@paytmPaytm Payments Bank

@aplAmazon Pay (Axis Bank)

@upiNPCI / Generic UPI

@sbiState Bank of India

@iciciICICI Bank

@hdfcbankHDFC Bank

@axisbankAxis Bank

@kotakKotak Mahindra Bank

@iblIndusInd Bank

@indusIndusInd Bank

@federalFederal Bank

@idfcfirstIDFC First Bank

@aubankAU Small Finance Bank

@rblRBL Bank

@jsbJanata Sahakari Bank

@pnbPunjab National Bank

@barodampayBank of Baroda

@centralbankCentral Bank of India

@cbiCentral Bank of India

@cnrbCanara Bank

@mahbBank of Maharashtra

@ucobankUCO Bank

@unionbankUnion Bank of India

@allahabadAllahabad Bank

@indianbankIndian Bank

@corporationCorporation Bank

@dbsDBS Bank India

@hsbcHSBC India

@citiCitibank India

@scStandard Chartered

@jkbJammu & Kashmir Bank

@kvbKarur Vysya Bank

@tmbTamilnad Mercantile Bank

@dcbDCB Bank

@equitasEquitas Small Finance Bank

@ujjivanUjjivan Small Finance Bank

@esafESAF Small Finance Bank

@finoFino Payments Bank

@airtelAirtel Payments Bank

@jioJio Payments Bank

@gpayGoogle Pay (HDFC / Axis)

@yesbankYes Bank

@bobBank of Baroda

@iobIndian Overseas Bank

@syndicatebankSyndicate Bank

@vijayabankVijaya Bank

@denabankDena Bank

@obcOriental Bank of Commerce

@andhraAndhra Bank

@icicibankICICI Bank

@idbiIDBI Bank

@bandhanBandhan Bank

@saraswatSaraswat Bank

@nsdlNSDL Payments Bank

Disclaimer: This tool validates UPI ID format and identifies the bank handle. It does not verify if the UPI ID is active or registered. No data is sent to any server. All validation happens in your browser.

UPI ID Validator का उपयोग कैसे करें

1
Enter your UPI Virtual Payment Address (VPA) in the input field.
2
The tool validates the format: username@bankhandle.
3
The bank handle is looked up against a database of 50+ known handles.
4
If the handle is recognized, the bank name is displayed.
5
If the format is valid but the handle is unknown, a notice is shown.
6
A green badge indicates a valid UPI ID format.
7
Use the Copy button to copy the UPI ID to your clipboard.

UPI ID Validator के बारे में

The UPI ID Validator checks the format of any UPI Virtual Payment Address (VPA) and identifies the bank or payment app from its handle. With a database of 50+ known UPI handles covering all major Indian banks, wallets, and payment apps, it tells you instantly whether a UPI ID follows the correct format.

What This Tool Does

Enter any UPI ID like yourname@oksbi or shop@ybl, and the tool validates the format (username@bankhandle) and looks up the bank handle to identify the associated bank or payment service provider.

Validates UPI ID format: username@bankhandle pattern
Identifies bank/PSP from 50+ known handles
Covers PhonePe, Google Pay, Paytm, Amazon Pay, and all major banks
Detailed error messages for invalid formats
Copy validated UPI ID to clipboard with one click
Complete reference table of all popular UPI handles

Important Note

This tool validates the format and identifies the bank handle only. It does not connect to NPCI or any bank to verify if the UPI ID is actually registered or active. For actual transaction verification, use your UPI app directly. All validation runs in your browser — your UPI ID is never sent to any server.