How to use mobile number as UPI id?

To use your mobile number as a UPI ID, you typically need to download a UPI payment application. After entering your mobile number, the application verifies it via SMS. Following verification, you select your bank account to link. For example, some banks allow your mobile number to serve as your UPI ID, like 98XXXXXX21@bankname, after generating a 4-digit UPI PIN using your debit card details.