Is a UPI ID the same for all apps?

No, a UPI ID is not the same across all apps. Every payment application generates a unique Virtual Payment Address (VPA) for your linked bank account. While you can use the same bank account across different platforms, each app assigns a distinct handle, such as @paytm or @bankname, to identify the transaction source. Key points include:

• Each application creates its own unique identifier for the user.
• Multiple UPI IDs can be linked to a single bank account.
• The handle after the @ symbol usually represents the specific bank or service provider.