BHIM KBL UPI App - enjoy seamless online mobile banking

Unique features of BHIM KBL UPI App:

• Push & Pull Payments
• Single Click two factor authentication
• Customers can pay using multiple identifiers- Account No.& IFSC Code, Mobile No. & MMID, or Virtual Address.
• Virtual Address-Virtual address as a payment identifier for sending and collecting money.(e.g. ABC@kbl)
• One App for all transaction needs
• Moving towards less cash society
• Innovation,Interoperability & scalability
• One time mandate with Block functionality (ASBA facility- For applying IPO)
  Now apply for IPO facility using Bank’s Virtual Payment Address (VPA).

  Process flow:

  • Apply for IPO with our KBL-VPA either through stock broker Apps(portal) or by submitting physical application to stock brokers.
  • Enter the requisite details in stock broker app/ in physical form and enter VPA to receive the Collect Request.
  • Once the application is processed, “Collect Request” will be received by the investor and shall authorize the same by using UPI PIN by logging into BHIM KBL UPI Application.
• Signed intent & QR
  • With this option, issues related to tampering QR as well as having non-verified entities will be reduced.
  • In case of making payment to unverified merchant a caution message will be populated on the screen as “Request from non-secured source”.
• Invoice in the Inbox ( View & Pay)
  • With this option, invoice can be viewed before making the payment to the merchant(Beneficiary), if merchant (Beneficiary) supports the same.

How to use BHIM KBL UPI App:

Pre-requisite:

• Android Mobile device/smartphone (4.0-Ice cream Sandwich & above ) with GPRS enabled (preferable Network 3G/4G/2G).
• Mobile Number should be registered with Bank for receiving Transaction SMS Alerts.
• Should have a Valid Debit card.

Registration process:

• Customers who are acount holder of our Bank or Account holder of UPI Participating Other Banks can download the BHIM KBL UPI app from Google play Store or IOS store.
• After successful download and install of BHIM KBL UPI app,the app prompts for authorising to sending sms for identifying the registered mobile number with the Bank and for mobile device fingerprinting binding,On successful, registered Mobile number is displayed to the customer.The customer has to check the number displayed on the screen and then accept.
• The customer has to create his/ her profile by entering details like name, virtual id (payment address), password etc.
• What is Virtual Id?- Virtual Id is a unique identifier replacing of your Bank account number in furture for fund transfers/payments.It should be identifiable with your account number and can be alphanumeric without any special characters (ex:can be combination of shortform of your name,branchname,cityname,numbers related to your present account number)
• Customer profile is created successfully.
• In order to transact, customer has to go to option of "Add Bank Account".
• In the next screen, customer has to select "Bank Name" from drop down list provided.
• After selecting the bank, customer will get account linked to that particular mobile number in the next screen.
• Customer will select the account number which he/she wish to add (should be linked to Valid debit card.)
• After selecting A/c No, the same will get added in the profile.
• Same steps can be followed for adding listed other Bank accounts linked with the registered mobile number.

Generating UPI PIN for the transaction:

• In order to transact, customer need to generate the UPI PIN (UPI PIN is different from the PIN used for opening the BHIM KBL UPI app).
• Customer selects the bank account for which he/she wants to initiate the transaction.
• Customer has to select Register MBanking/Set UPI Credentials option.
• On selection of the above option Debit card details screen is displayed.
• Customer will now enter last 6 digit of Debit card number and expiry date.
• Customer will now receive OTP on his/her registered mobile number
• Customer will enter OTP along with UPI PIN of his/her choice on NPCI Library screen and click submit.
• customer gets notification (successful or decline)

How to perform Payment Transaction:

PUSH : sending money using virtual address

• Customer logs into Bank’s UPI application.
• After successful login, customer clicks on Added Account number (tab to more options) and click on Payment option.
• Customer enters Beneficiaries/Payee virtual id, amount and account to be debited.
• Customer gets confirmation screen to review the payment details and clicks on Confirm.
• Customer now enters UPI PIN to authenticate the transaction
• Customer gets successful or decline message for the transaction.
• App notification for success/failure will be received.
• Transaction SMS will be sent from the Bank on sucessful transaction.

PULL: Collection request

• Customer logs into bank’s BHIM KBL UPI application.
• After successful login, customer clicks on on Added Account number (tab to more options) and click on Collcection option.
• Customer enters remitters / payers virtual id, amount and account to be credited.
• Customer can set the expiry period for the collect request authorisation by the remitter (default 30 mintures - 1 day).
• Customer gets confirmation screen to review the payment details and clicks on confirm.
• The payer will get the notification on his mobile for request money.
• Payer now opens his banks UPI app where he/she reviews payment request by clicking on Collect authorization option.
• Payer then decides to click on accept or decline.
• In case of accept payment, payer will enter M-PIN to authorise the transaction.
• Transaction complete, payer gets successful or decline transaction notification.
• Payee/Requester gets notification and SMS from bank for credit of his bank account.

Balance enquiry:

• Customer logs in to his bank’s BHIM KBL UPI application.
• After successful login, customer clicks on Added Account number (tab to more options) and click on Balance enquiry option.
• Name,linked virtual address and masked account number will be displayed.
• Customer has to click on refresh button to get the latest Account balance.
• Customers has to enter UPI PIN and after successful validation latest Account balance is updated.

Transsaction status:

• Customer logs in to his bank’s BHIM KBL UPI application
• After successful login, customer clicks on Transaction status option
• Customer can view transaction status by selecting the date range.
• Customer can raise query on the transaction status if any.

• One time mandate with Block functionality (ASBA facility- For applying IPO)
  Now apply for IPO facility using Bank’s Virtual Payment Address (VPA).

  Process flow:

  • Apply for IPO with our KBL-VPA either through stock broker Apps(portal) or by submitting physical application to stock brokers.
  • Enter the requisite details in stock broker app/ in physical form and enter VPA to receive the Collect Request.
  • Once the application is processed, “Collect Request” will be received by the investor and shall authorize the same by using UPI PIN by logging into BHIM KBL UPI Application.
• Detailed procedure of how to apply IPO using KBL BHIM UPI. Click here