Free tools
Check UPI ID Format and Handle
See whether a UPI ID is written correctly and which bank or app the handle belongs to.
This runs in your browser. Nothing you type leaves this page.
What this does
It checks whether a UPI ID is shaped correctly, and tells you which bank or app the handle after the @ belongs to. Useful before you print an ID on a poster, or when someone sends you one and you want to know what you are looking at.
How to use it
- 1
Type or paste the UPI ID you want to check.
- 2
See whether it is shaped the way a real UPI ID is.
- 3
Read which bank or app the part after the @ belongs to.
Free tools
You get: whether the ID is well formed, and which bank or app it is.
When this is useful
Use it before you print an ID on a poster or a card, where a typo is expensive to fix. It is also useful when someone sends you an ID and you want to know what you are looking at before you pay.
- @paytm is Paytm. @okhdfc, @okicici, @okaxis and @oksbi are those banks through Google Pay.
- @ybl, @ibl and @axl are PhonePe. @apl is Amazon Pay.
- A handle you do not recognise is normal. A mismatch is worth one question before you pay.
What the part after the @ tells you
A UPI ID is a name, an @, and a handle, and the handle names the bank or app that issued it. Some are obvious: @paytm is Paytm, @okhdfc, @okicici, @okaxis and @oksbi are those banks through Google Pay, @ybl, @ibl and @axl are PhonePe, @apl is Amazon Pay. Others say nothing recognisable at all, and that is normal rather than suspicious. What the handle is useful for is a mismatch: if someone you know banks in one place sends you an ID issued somewhere else, that is worth one question before you pay. It is a prompt to ask, not proof of anything.
- Google Pay: under your profile picture, in settings, listed as your UPI IDs.
- PhonePe: on the home screen under your name, then UPI settings. Paytm: inside UPI settings.
- A bank app calls it VPA or UPI ID. You can have several, and they all reach one account.
How to find your own UPI ID
It is already made, in almost every case, and the job is finding where the app put it. In Google Pay it is under your profile picture, in the settings, listed as your UPI IDs. In PhonePe it is on the home screen under your name, then UPI settings. In Paytm it is inside UPI settings under the payment section. In a bank app it is usually called VPA or UPI ID and sits with the UPI settings. You can have several at once, and they all reach the same account, so any of them works here.
Questions
Does this tell me the ID exists?
No, and nothing outside your bank app can. This checks the shape and the handle. If you need to be certain an ID is live, send one rupee to it and see whether it lands.
Is the ID sent to Kulhad?
No. The check runs in your browser against a list that ships with the page.
Can I look someone up by name or phone number?
No. This checks an ID you already have; it is not a directory and it cannot search for a person. Nothing that can do that would be safe to exist.
Can I make a UPI ID here?
No. UPI IDs are issued by banks and payment apps, not by us. Your bank app or GPay, PhonePe or Paytm will create one in a minute or two, and usually it already has.
Can I get a UPI ID without a bank account?
No. UPI moves money between bank accounts, so an ID has to be attached to one. There is no version of it that works without.
Can I set up UPI without a debit card?
At several banks, yes, using Aadhaar and an OTP instead of card details. Whether yours allows it is something only your bank app can tell you, and that is where you would do it, not here.
Other UPI tools
Keep all of this at one address
The tool you just used is free and always will be. So is the page: your QR, your amounts and a wall of thank-yous, at kulhad.co/yourname. Every rupee goes straight to your UPI.
A page of your own
A QR to print
A button for your site
