What is the normal UPI ID?

A UPI ID, also known as a Virtual Payment Address (VPA), is a unique digital address used in the Unified Payments Interface (UPI) system to identify a user's bank account. This address allows users to send and receive money securely without sharing sensitive bank details like account numbers or IFSC codes. A typical format for a UPI ID is *username@bankname* or *phone@upi*, where the suffix identifies the bank or UPI provider, such as when using Paytm.