Guide UPI Payment

National Payments Corporation of India (NPCI) announced on Thursday that bank applications for the Unified Payment Interface have officially become operational, which means that UPI apps of banks can now be downloaded and used for transactions:
What is UPI and what can a user do with the app?

UPI is a payment system that allows money transfer between any two bank accounts by using a smartphone.

UPI allows a customer to pay directly from a bank account to different merchants, both online and offline, without the hassle of typing credit card details, IFSC code, or net banking/wallet passwords.

How can one download the UPI app?

The UPI app of 19 banks -- Andhra Bank, Axis Bank, Bank of Maharashtra, Bhartiya Mahila Bank, Canara Bank, Catholic Syrian Bank, DCB Bank, Federal Bank, ICICI Bank, TJSB Sahakari Bank, Oriental Bank of Commerce, Karnataka Bank, UCO Bank, Union Bank of India, United Bank of India, Punjab National Bank, South Indian Bank, Vijaya Bank and YES Bank -- will be available on the Google Play Store of Android phones in the next few days for customers to download.

Note : this application are not related of Indian government or any other bank
that application is not official app.
that application just guide how to use upi pay