BHIM Aryavart App 1.0.0

Aryavart Bank provides a UPI application designed for both its customers and users of other banking institutions, allowing for convenient registration and account linking within the app. Customers can initiate payments and request money from their contacts seamlessly.

To utilize the service, users need only their virtual identity, represented as xxxx@ary (where xxxx is replaced by your phone number or user ID).

The application simplifies payment transactions through the use of a Virtual Payment Address (VPA), enabling users to manage multiple accounts within a single interface.

Requirements for Using UPI:

• An Android phone with internet access
• An active bank account
• The mobile number registered with UPI must be linked to the bank account
• An active debit card associated with the account to generate UPIPIN

Registration Process for Aryavart Bank UPI Application:

1. Tap "Send SMS" to verify your mobile number; an SMS will be dispatched from your registered mobile number for verification.
2. Once verified, the New Registration screen will appear. Fill in the requested details.
3. Create a four-digit numeric password for app login and confirm it.

Features of BHIM Aryavart Bank UPI:

• The BHIM Aryavart Bank UPI banking app is accessible to both Aryavart Bank customers and non-customers, facilitating payments without needing the recipient's bank information.
• Allows adding multiple bank accounts into the BHIM Aryavart Bank UPI payment app.
• Supports instant fund transfers using UPI ID directly through the application.
• Enables linking beneficiaries simply through their UPI ID.
• Transactions are instantaneous, available 24/7 throughout the year, and are free of charge, conducted through secure channels.
• Users can check the balances of their linked accounts directly from the app.

How BHIM Aryavart Bank UPI Works:

1. Download the BHIM Aryavart UPI app from the Google Play Store.
2. Select your preferred bank account.
3. Create a unique ID (e.g., yourname@ary).
4. Verify your account and set up a UPI PIN.

Sending Money via UPI Payments:

1. Select your and the receiver’s unique ID.
2. Input the amount to be transferred.
3. Confirm the mobile payment by entering your UPI PIN.

Requesting Money Through Aryavart Bank UPI Payments:

1. Select your and the sender’s unique ID.
2. Enter the amount requested.
3. Receive funds once the sender approves the transfer through their application.

The updated interface enhances functionality, allowing users to manage beneficiaries and payments via VPA, account/IFSC codes, Aadhaar, and QR codes effectively.

Supported Transaction Functions Include:

• User profile registration
• Payment address creation
• Authentication
• Authorization
• PIN generation

Core Transaction Functionalities Through UPI Payments:

• Pay request management
• Collect request initiation
• Collect request approval (payer approval via mobile application)
• Debiting and crediting payer/payee accounts
• Virtual address resolution for NPCI-UPI transactions
• Support for all two-party, three-party, and four-party models of NPCI UPI payments