UPI ID Validator & Format Checker
Validate and check the format of any UPI ID (VPA). Verify structure before payment.
Common UPI Handles
About this calculator
Check that a UPI ID (also called a VPA) is correctly formatted, and see its handle and PSP/bank part.
It checks format only. It cannot tell whether the account exists. Only the payment app can do that when you start a payment.
How to use it
- Enter the UPI ID, for example name@bank.
- Read the format result.
- Check the handle against common PSP handles.
UPI ID format
A UPI ID is username@handle. The username may contain letters, digits, dots, hyphens and underscores (typically 3 to 50 characters). The handle after @ identifies the app or bank, such as @okhdfcbank, @oksbi, @ybl, @paytm, @upi or @ibl. There is exactly one @ sign, and no spaces.
Worked example
Examples
| rahul.sharma@oksbi | valid format |
| 9876543210@ybl | valid format (mobile-number handle) |
| rahul sharma@oksbi | invalid: contains a space |
| rahul@ | invalid: missing handle |
Tips and common mistakes
- Always check the name shown by your app before paying.
- Never share your UPI PIN; you only enter it to send money, never to receive it.
- Beware of 'collect request' scams.
- Verify a payee with a small test payment if you don't know them.
- Report fraud on 1930 or via your bank.
Frequently asked questions
What is a UPI ID?
A virtual payment address in the form name@handle.
Does this check if the ID is active?
No, only the format.
What are common UPI handles?
@oksbi, @okhdfcbank, @ybl, @paytm, @ibl, @upi and others.
Do I need a PIN to receive money?
No, never enter your PIN to receive.
Where do I report UPI fraud?
Call 1930 or visit cybercrime.gov.in.
Is my ID sent anywhere?
No.