UPI

We are glad to inform you all that our bank is now live on UPI Platform as an issuer member.

Unified Payments Interface (UPI) is a system that powers multiple bank accounts into a single UPI application (of any participating bank), merging several banking features, seamless fund routing & merchant payments. It also caters to the “Peer to Peer” collect request which can be scheduled and paid as per requirement and convenience.

Uniqueness of UPI

• Safer, secure & innovative system for immediate money transfer through mobile device round the clock 365 days
• Single mobile application for accessing different bank accounts
• Single click two factor authentication
• VPA (Virtual Payment Address) use for Send and collect funds provides for incremental security with the customer not required to enter the details such as Card number, Account number, IFSC, etc
• Bill Sharing with friends
• Best answer to Cash on Delivery hassle, running to an ATM or rendering exact amount
• Merchant payments with single application
• Utility Bill Payments, Over the counter Payments, Barcode/QR (Scan and Pay) based payments
• Raising complaint from Mobile UPI application directly

About PSP

 A PSP is a certified and trusted entity in the UPI ecosystem which acts on behalf of the bank. The PSP is actually a technology platform provider enabled in form of a mobile application that can be used from any smart phone device. 

PSP lets you make simple, easy and quick payment transactions using Unified Payment Interface (UPI). You can make instant bank-to-bank payments and Pay and collect money using Virtual Payment Address (VPA) also known as UPI ID.

Following are the common features available on most of the PSP applications

Send money – Send money by entering Virtual Payment Address (VPA) / Mobile / Account Number + IFSC

Request money – Collect money by entering Virtual payment Address (VPA) / Mobile

Scan & Pay – Pay by scanning the QR code through Scan & Pay or generate your QR code to let others make easy payments to you

Transactions – Check your transactions history and also pending UPI collect requests if any. You can raise complaint for the declined transactions by clicking on report issue in transactions

Profile – You can view the static QR code and Virtual Payment addresses linked to your account. You can also share the QR code through various messenger applications like WhatsApp, Email, etc. available on phone and can also download the QR code

Bank Account – Switch between multiple bank accounts linked with your PSP. You can set/change your UPI PIN or check your balance

Block User – Block/Spam users who are sending you collect requests from illicit sources

Privacy – Allow a user to disable and enable the default VPA in the profile if a secondary UPI ID is created. QR for the disabled UPI ID is also disabled

Payment Reminders – Schedule payments as per your convenience

Split Bill – Splitting bills with multiple UPI users at a click of a button

At present, our bank is appearing in the “List of Banks” of the below listed PSPs

• Phone Pe
• Paytm
• Google Pay
• What’s Up Pay

Soon we will be available on BHIM &

These listed PSP Apps are available in play store (Android version 4.2.2 & above) and App store (iOS 8.1 & above

Customer needs to be registered for JSCBL Mobile Banking in order to add JSCBL Bank account on UPI application. JSCBL account will be available for adding on UPI application after a cooling period of 5 minutes since registration to mobile banking

You may write to jscbinfo@jscbl.com for any queries pertaining to UPI

Click here for User Manual for UPI Registration and Transactions

Click here for UPI_FAQs