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Free instant UPI ID format checker for India. Validate your UPI address per NPCI rules. Accurate, trusted, no login. Verify your UPI ID now!
Free instant UPI ID format checker for India. Validate your UPI address per NPCI rules. Accurate, trusted, no login. Verify your UPI ID now!
Format validation only: This tool checks if your UPI ID follows the correct format structure. It does not verify if the account exists, is active, or verify any account details. Always confirm with the account holder before sending money.
Free UPI ID format checker for India. Instantly verify whether any UPI ID (VPA) follows correct NPCI formatting rules. No login required. Runs entirely in your browser — nothing is sent to any server.
rahul@ybl
or 9876543210@paytm.
Apps like Google Pay, PhonePe, Paytm, BHIM, and Amazon Pay all use UPI IDs to process payments
over India's NPCI-managed UPI network.
@ symbol,
adding a space, or using an unrecognised bank handle can all cause a transaction to fail before
it even reaches the bank. Catching these errors early — before you tap "Pay" — saves time and confusion.
| Part | Description | Examples |
|---|---|---|
| Username | Chosen by the user. Can be a name, mobile number, or custom identifier. Max 60 characters. Allowed characters: a–z, 0–9, dot, hyphen, underscore. | rahul123, amit.kumar, 9876543210 |
| @ Symbol | Separator between username and bank handle. Exactly one @ must be present — no more, no less. | @ |
| Bank / App Handle | Identifies the PSP (Payment Service Provider) managing the account. Assigned by NPCI. Must be lowercase. | ybl, paytm, okhdfcbank, oksbi, axl |
rahul@ybl9876543210@paytmamit.kumar@okhdfcbankshop-name@upiuser_123@icicibankpriya@oksbirahul@YBL — uppercase handlerahul ybl@paytm — space not allowedrahul@@paytm — two @ symbols@paytm — username missingrahul!@paytm — invalid special charrahul@fakebank — unknown handleEach payment app or bank is assigned a specific handle by NPCI. Using the wrong handle is one of the most frequent format errors.
| App / Bank | UPI Handle | Example UPI ID |
|---|---|---|
| Google Pay | okaxis, okhdfcbank, oksbi, okicici | name@okaxis |
| PhonePe | ybl, axl, ibl | 9876543210@ybl |
| Paytm | paytm | name@paytm |
| Amazon Pay | apl | name@apl |
| BHIM / SBI | upi, sbi | 9876543210@upi |
| Airtel Payments Bank | airtel | name@airtel |
| Kotak Bank | kotak | name@kotak |
| ICICI Bank | icici | name@icici |
For the complete official list of PSP handles, refer to NPCI's UPI product page.
Format validation only. This tool does not connect to banks or the UPI network. It cannot confirm whether an account is active, whether a balance exists, or whether a payment will succeed.
rahul@YBL is invalid. Handles must always be lowercase: rahul@ybl.rahul@@paytm or rahul@paytm@upi are both invalid. Only one @ is allowed.@paytm is incomplete. A UPI ID needs a non-empty username before the @.!, #, $, *, and % are not permitted. Only dots, hyphens, and underscores are allowed alongside letters and numbers.A correctly formatted UPI ID is only one part of a successful transaction. Here are other reasons a payment might fail even when the ID looks right:
For official UPI transaction support or disputes, contact your bank or visit NPCI's consumer grievance page.
username@bankhandle. The username can be 3 to 60 characters long and may contain letters (a–z), digits (0–9), dots, hyphens, and underscores. The bank handle (after @) is assigned by NPCI and must be in lowercase. Example: john.doe@okhdfcbank.username@bankhandle payment identifier on India's UPI network.Official UPI standards, PSP handle rules, and payment format guidelines from the National Payments Corporation of India.
File complaints about UPI payment failures or disputes through NPCI's official grievance portal.
Reserve Bank of India's framework governing digital payments including UPI in India.
This tool validates UPI ID format based on publicly available NPCI guidelines. It checks structure only and cannot verify account existence, balance, or payment eligibility. Results are for informational purposes. For official UPI transaction support, contact your bank or UPI service provider directly.
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