Shriram One UPI:
Your one-stop
solution for all payments
Shriram One UPI Payments
Revolutionise your payments with Shriram One UPI, the lightning-fast and convenient way to send and receive money instantly and effortlessly.
Create Your Shriram One UPI ID
Step 01
Download the Shriram One App and complete the onboarding process
Step 02
Tap on the "UPI Payment" icon, then select the bank associated with your mobile number and choose the SIM card linked to your bank accountStep 03
Shriram One will send an SMS to verify your mobile number (Ensure you have enough SMS balance)Step 04
Once verification is successful, choose the bank account from the list to create your UPI ID, which will consist of your mobile number followed by @shriramhdfcbank
You are all set to use Shriram One!
Advantages of Using Shriram One for UPI Payments
Fast & Convenient
Instant money transfers, bill payments, phone recharges, and online shopping—all in one app.
Safe & Secure
Multi-layered protection with UPI PIN and biometric authentication ensures secure transactions.
Paperless Transactions
Eco-friendly and time-saving with no need for cheques or printed statements.
Zero Transaction Fees
Enjoy seamless, cost-effective money transfers without any fees.
Link Your Bank Account or RuPay Credit Card
- Go to "Add Bank Account" or "Add Credit Card" in Shriram One App (Menu > Payment Settings > UPI Settings > Manage Payment Method).
- Choose your bank or credit card from the list.
- Select your preferred account from the displayed options. The system will verify the details.
- Receive a success confirmation; your bank will be listed in manage payment methods.
For users making their first UPI transaction, the limit is Rs. 5000 within a 24-hour period for Android users. For iOS users, the limit is Rs. 5000 every 24 hours for up to 72 hours.
How does UPI Payment work?
- Step 01Enter the receiver's UPI ID/mobile number or scan their QR code in Shriram One app.
- Step 02Enter the amount and select your bank account.
- Step 03Review the details and enter your UPI PIN for authorization.
- Step 04The money will be instantly transferred, and a success confirmation will appear in the app.
Cashless Convenience
Simplify transactions with Shriram One UPI. Send/receive money, pay/ split bills and shop securely, all in one place.
Simplified Payments
No need for lengthy bank details. Use your unique UPI ID for seamless payments and bill management with Shriram One UPI.
FAQs
What is UPI and how is it revolutionizing digital payments?
UPI stands for Unified Payments Interface. It's a game-changer in India's digital payment landscape, enabling instant, real-time money transfers between any two bank accounts through a mobile app. Gone are the days of lengthy bank account numbers, IFSC codes, and waiting for transactions to clear. With UPI, all you need is the recipient's virtual payment address (VPA) and your mPIN (mobile banking PIN) for secure and seamless transactions.
Is UPI safe for online transactions?
UPI transactions are highly secure thanks to a two-factor authentication process. You need both your VPA and MPIN to complete a payment. Additionally, UPI platforms like Shriram One use strong encryption protocols to protect your sensitive data. So, rest assured, your hard-earned money is in safe hands with UPI.
How do I create an UPI ID with Shriram One?
- Tap on the "UPI Payment" icon.
- Select your bank name and choose the SIM card linked to your bank account.
- Shriram One UPI will send an SMS to verify your mobile number (Ensure you have enough SMS balance).
- Once verification is successful, your mobile-linked bank account will appear on the list.
- Choose the account from the list to create your UPI ID, which will consist of your mobile number followed by @shriramhdfcbank
What Exactly is a UPI PIN and Why is it Important?
Your UPI PIN is a 4-6 digit secret code that acts as your second layer of security. You'll need to enter it to authorize every UPI transaction, ensuring only you have access to your funds.
UPI vs. IMPS: Understanding the Differences?
Both UPI and IMPS are instant payment systems, but they differ in functionality. UPI focuses on peer-to-peer (P2P) transactions and merchant payments, while IMPS primarily caters to bank-to-bank transfers. UPI also offers features like virtual IDs and QR code payments, making it more user-friendly and convenient for everyday transactions.
Why should I choose Shriram One for my UPI transactions?
Shriram One offers a secure and user-friendly platform for all your UPI needs. It offers reward points for users on UPI and bill payments. Shriram One boasts a simple interface, fast transaction processing, and 24/7 customer support.
What makes Shriram One UPI different from other UPI services?
Shriram One goes beyond basic UPI functionalities. It provides value-added services like bill payments, recharges, and investment options, making it a one-stop solution for all your financial needs.
What are the key benefits of using Shriram One for UPI payments?
Experience the benefits of Shriram One:
- Swift and secure transactions: Instantly send and receive money.
- Convenience: Manage bills, recharges and investments in one place.
- Rewards: Earn reward points for your UPI transactions.
- User-friendly interface: Easy navigation for all users.
- 24/7 customer support: Get help anytime from the dedicated customer support team.
Are there any rewards or incentives for using Shriram One UPI?
Yes! Shriram One frequently runs attractive rewards programs to incentivize users. Keep an eye out for their latest promotions to make the most of your UPI transactions.
How can I link my bank account to Shriram One UPI?
Linking your bank account to Shriram One is a simple process. Just follow the steps within the app, and it will guide you through the verification process. Most major banks in India are supported by Shriram One.
To add a new bank account, kindly follow the below steps
- Click on the hamburger menu
- Navigate to payment settings > UPI Settings > Manage Payment Methods
- Click on “Add Bank Account”
- Select your bank from the banks listed below and continue
- Select bank account and continue
- Your bank account will be added
Kindly note that for newly added UPI users, the limit for Android users is capped at Rs.5000 within a 24-hour period. For iOS users, it is capped at Rs.5000 every 24 hours, within a 72-hour period.
What to do if I'm unable to link my bank account?
If you face any issues linking your bank account, kindly don't hesitate to contact our customer support 022-40752814 , 044-43620314
or raise a request. we’ll be happy to assist you.
Is KYC Necessary for UPI Money Transfers?
No KYC is not mandatory to make UPI money transfers on Shriram One
How does a UPI payment work in simple terms?
- Enter the recipient's VPA and amount in the Shriram One app.
- Select the bank account you want to debit from.
- Review the transaction details and enter your MPIN.
- The money is instantly transferred from your bank account to the recipient's account.
What are the limits on UPI transactions?
Currently, the daily limit for UPI transactions is ₹1 lakh for P2P transactions, 2 lakh for P2M transactions and 5 lakh for educational institutions/hospitals
How to Check Your UPI Transaction Status on the Shriram One?
You can check your UPI transaction status by:
Check within the Shriram One app
- Open the Shriram One app and log in.
- Click on UPI payments or navigate to Menu > Transaction History > Payments > UPI
- You should see a list of your recent UPI transactions, including their status (pending, successful, failed).
- Tap on a specific transaction to view its details, such as the date, amount, beneficiary, and reference number.
Check your bank statement
- UPI transactions typically reflect in your bank statement within 24 hours.
- Log in to your bank's online or mobile banking app.
- Navigate to your account statement and look for the relevant UPI transaction.
- The statement will show the transaction status, date, amount, beneficiary, and reference number.
Contact Shriram One customer support
- If you're still unable to find your UPI transaction status, you can contact Shriram One customer support for assistance.
- You can also raise a request on the app, our customer service representatives shall revert with the relevant details
How do I transfer money using Shriram One UPI?
Sending money
- Open the Shriram One app and navigate to the UPI section.
- Enter the recipient's mobile number, UPI ID or scan their QR code.
- Enter the amount you want to transfer.
- Enter your UPI PIN for authentication.
- Review the details and confirm the transaction.
Receiving money
- Share your UPI-linked mobile number, UPI ID or QR code with the sender.
- Once they initiate the transfer, if successful, you will receive the funds instantly in to your bank account.
Can I schedule UPI payments for future dates?
You can set auto pay for scheduling future-dated transactions/recurring bill payments
Can I Transfer 2 Lakh via UPI?
The maximum limit for UPI transactions set by the National Payments Corporation of India (NPCI) is currently ₹1 lakh per day for P2P transactions, 2 lakh for P2M transactions and 5 lakh for educational institutions/hospitals
Paying Credit Card Bills Using UPI: How Can You Do It?
You can directly pay your credit card bills using Shriram One UPI. Here's how:
- Go to the "Bill Payments" section in the app.
- Select "Credit Card Payments."
- Choose your credit card from the list or enter its details manually.
- Enter the amount you want to pay and the due date.
- Enter your UPI PIN for authentication.
- Review details and confirm the payment.
How can I check the status of my UPI transactions on Shriram One?
To check the status of your UPI transactions on Shriram One:
- Open the Shriram One app and log in.
- Click on UPI payments or navigate to Menu > Transaction History > Payments > UPI
- You should see a list of your recent UPI transactions, including their status (pending, successful, failed).
- Tap on a specific transaction to view its details, such as the date, amount, beneficiary, and reference number.
What should I do if my UPI transaction fails?
If your UPI transaction fails, here are some steps you can take:
Check the reason for failure, Shriram One displays the reason for the failure for each transaction. Common reasons include incorrect UPI ID, insufficient balance, invalid PIN, or technical issues.
Based on the reason for failure, you may take corrective action. For example, if it was an incorrect UPI ID, re-enter the correct one. If it was insufficient balance, add funds to your account. If it was an invalid PIN, reset your UPI PIN through the app. For assistance, you can also raise a request on the app
Why did my UPI Payment Fail?
There are several reasons why your UPI payment might have failed on Shriram One or on any other platform. Here are some common reasons:
- Incorrect information: Entering the wrong UPI ID or selecting the wrong bank can lead to transaction failure. Double-check all details before confirming the payment.
- Insufficient balance: Ensure you have enough funds in your linked bank account to cover the transaction amount.
- Transaction limit: There is a daily and monthly transaction UPI limit for individual transactions. Exceeding these limits can result in failure.
- Technical issues: Sometimes, network problems and server issues can cause transactions to fail. Try again later or use a different payment method if the issue persists.
- Security concerns: Banks can block transactions if they suspect fraudulent activity. If your transaction is flagged, contact your bank for clarification.
Are there any fees for using Shriram One UPI services?
No, there are no fees for using Shriram One UPI services such as:
- Sending and receiving money
- Checking your account balance
- Setting up standing instructions or auto-debit for recurring payments
How are UPI charges calculated for different types of transactions?
There are no UPI charges for transactions made on Shriram One