Can You Have Multiple Personalized UPI IDs? Complete Guide

If you run a business, are a merchant, or are just starting out, making a strong, personal impression is key—and digital transactions are no exception. A personalized UPI ID isn’t just a string of characters; it reflects your business, your brand, and even your personality. While a UPI ID is usually created using your name, business name, phone number, or other details during account setup, having one that truly represents your ideas or brand can make a difference.

This is where the option of multiple personalized UPI IDs comes in—it allows you to choose the one that best aligns with your business identity and leaves the right impression. But the question is: Can you really have multiple personalized UPI IDs?

What Does Personalization Mean in UPI IDs?

In UPI, personalization does not mean you can manually create your own UPI ID (like typing mybusinessname@bankhandle). Instead, it means you get to choose from multiple system-generated UPI ID options provided by the UPI or merchant app under its PSP bank.

For example, when you link your HDFC account on Paytm, the app may show IDs like:

• 1234@pthdfcbankhandle
• 1234.xyz@pthdfc
• 3421.zyx@pthdfc

Here, the “personalization” is in the choice you make from the suggested list. You cannot customize or design a UPI ID completely on your own—the options are fixed and generated by the app.

In short: Personalization in UPI = selecting an available option that best matches your identity, not creating one manually.

Can I Have Multiple Personalized UPI IDs?

Yes, you can have multiple UPI IDs linked to your account, but having multiple personalized UPI IDs isn’t entirely possible. In simple terms, you cannot create several UPI IDs exactly the way you want, reflecting your business or brand perfectly.

For instance, imagine you run a café called XYZ Café and want a UPI ID like xyz.yummy.cafe@bankhandle. If that exact ID isn’t available in the merchant app, you cannot create it manually. Instead, you’ll have to select from the alternatives suggested by the app.

This limitation exists because UPI IDs must be unique across the entire banking network, so the system prevents duplicate or custom IDs that conflict with existing ones.

Even though you cannot have multiple personalized UPI IDs of your own design, you can still have multiple UPI IDs for different purposes—like one for business transactions, one for freelance work, or one for personal use. This flexibility ensures you can manage payments efficiently while keeping your main ID aligned with your brand.

So, while the idea of choosing any UPI ID you like may seem tempting, understanding these rules helps you pick the most effective and available ID that represents your business or personal brand.

Can One Bank Account Have Multiple Personalized UPI IDs?

A single bank account can indeed have multiple UPI IDs, but the concept of personalized UPI IDs often causes confusion.

• Multiple UPI IDs: Every UPI/merchant app, through its PSP (Payment Service Provider) bank, generates a list of predefined UPI IDs linked to your account. You can select one from these options. For instance, Paytm (with PSPs like Axis Bank, HDFC Bank, SBI, and Yes Bank) may provide IDs such as:
  • 1234@pthdfcbankhandle
  • 1234.xyz@pthdfc
  • 3421.zyx@pthdfc

Similarly, SBI, Yes Bank, and Axis Bank accounts will also offer multiple UPI ID variations. You can select the one that best aligns with your business or personal identity.

• Personalization Limit: While these variations may look somewhat personalized (using numbers, short names, or patterns), you cannot manually create your own unique UPI ID like mybusinessname@bankhandle. The IDs are system-generated and fixed, and you simply choose the one that best matches your brand or identity.

Therefore, yes, one bank account can have multiple UPI IDs, but true personalization—where you define and create multiple custom IDs—is not possible.

How to Create Multiple Personalized UPI IDs?

Technically, you cannot manually create multiple personalized UPI IDs of your own design. What you can do is link your bank account to a UPI/merchant app and choose from the multiple system-generated UPI ID options it provides under its PSP bank. Each linked account can have more than one UPI ID, but all are predefined by the app.

Here’s how you can do it:

1. Download and open a UPI/merchant app (like Paytm Merchant App).
2. Link your bank account to the app. If the app supports multiple PSP banks (like Paytm does with Axis, HDFC, SBI, and Yes Bank), you’ll see UPI ID options under each.
3. View the suggested UPI IDs generated by the app. For example, with HDFC Bank on Paytm, you might see:
   • 1234@pthdfcbankhandle
   • 1234.xyz@pthdfc
   • 3421.zyx@pthdfc
4. Select the UPI ID that best suits your brand, business, or personal identity.
5. Repeat the process for other linked bank accounts or PSPs to get multiple UPI IDs.

Remember: The term personalized here only means you are choosing from predefined options that the app generates—it does not mean you can type and create your own UPI ID manually.

So, while you can create and manage multiple UPI IDs under one or more bank accounts, true manual personalization is not possible.