Which UPI apps allow me to create and manage my UPI ID

Most UPI-enabled payment applications and bank mobile apps allow users to create and manage their UPI ID (Virtual Payment Address). For instance, Paytm enables users to personalize and manage their UPI ID within the app's settings. HDFC Bank customers can create an UPI ID and set a PIN using their MobileBanking App. This ID is essential as a unique identifier for secure online money transfers.