Important: This guide is for general information and education only. It is not legal, tax, financial or investment advice. Procedures, fees, documents and eligibility rules are set by government and regulatory authorities and can change without notice. Parts of this guide are updated with the help of automated tools and may occasionally be incomplete, outdated or inaccurate. Always confirm every detail on the official website linked on this page before applying or submitting anything. 3XScale Ventures LLP is not affiliated with any government body or service provider mentioned here, does not process any application on your behalf, and is not responsible for any loss, delay, rejection or penalty arising from use of this information. If you are unsure, consult a qualified professional. Full disclaimer & terms.
The pipes that move your money. A few rules keep them safe.
What it is
UPI (through apps like BHIM, GPay, PhonePe) and net banking let you send and receive money and fund investments.
Why it matters
You will use these to start SIPs, receive the money you earn, and pay for things.
How to do it
- Enable net banking through your bank.
- Add UPI linked to your account and set a UPI PIN using your debit card.
- Set a sensible daily limit.
Documents you need
- Your debit card (to create the UPI PIN).
How long it takes
Minutes.
Common mistakes to avoid
- Sharing your UPI PIN or OTP — your PIN is only ever needed to send money, never to receive it.
- Approving "collect requests" from strangers.
- Scanning an unknown QR code because someone said it will "receive" money.
Official sources — always confirm the latest here before you apply:
Last verified on 18 Oct 2026. Last updated on 18 Oct 2026.
Important: This guide is for general information and education only. It is not legal, tax, financial or investment advice. Procedures, fees, documents and eligibility rules are set by government and regulatory authorities and can change without notice. Parts of this guide are updated with the help of automated tools and may occasionally be incomplete, outdated or inaccurate. Always confirm every detail on the official website linked on this page before applying or submitting anything. 3XScale Ventures LLP is not affiliated with any government body or service provider mentioned here, does not process any application on your behalf, and is not responsible for any loss, delay, rejection or penalty arising from use of this information. If you are unsure, consult a qualified professional. Full disclaimer & terms.
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