This document lays down the “Terms and Conditions” which regulate the provision of fund transfer and fund collection facility using the UPI application/platform developed by Aditya Birla Idea Payments Bank Limited (hereinafter referred to as the “Bank” or “ABIPBL” or “We”). The Bank application software “BHIM ABPB” is hereinafter referred to as “the App”. The Bank shall endeavour to provide to the Customer, UPI services in accordance with the UPI guidelines, circulars and/or regulations issued by the Reserve Bank of India (“RBI”) and/or National Payments Corporation of India (“NPCI”) from time to time subject to the terms and conditions herein specified These Terms, along with the terms and conditions for any account/services of Bank connected with the App and/or UPI service offered by the Bank, form a contract between the Customer (‘you’) and the Bank. By transacting using the App or using Bank’s UPI services on any merchant website/ merchant platform, or creating a Virtual Payment Address (“VPA”), or availing any UPI related services offered by the Bank, the Customer acknowledges that he has read, understood and accepted these terms and conditions. Bank has the absolute discretion to amend or supplement any of the Terms as stated herein at any time and will endeavour to give prior notice of thirty days for such changes by display on the App or website or other mode of communication as it deems fit, wherever feasible. By using the new services, the Customer shall be deemed to have accepted the changed terms and conditions.

Interpretation: The term Customer shall include both singular and plural. Reference to masculine shall include the feminine and neuter gender. Reference to any law/ provision includes consolidation, amendment, re-enactment or replacement thereof. In case of conflict between the meaning assigned to a term in a particular section of these Terms and general terms and conditions, the meaning assigned in the particular section shall govern the scope of the term in only that section.


Applicability of terms: These Terms and Conditions are applicable to all transactions initiated by Customer using the App and / or Bank’s UPI service. These Terms shall be in addition to and not in derogation of the Guidelines issued by NPCI from time to time for UPI Services provided by the Bank.

Disclaimer of Warranty: The App is provided on an "as is" basis with no representation, guarantee or warranty of any kind, either express or implied, as to its functionality. Downloading or using the App does not automatically entitle the Customer to receive hard-copy documentation, technical support, telephone assistance, or updates to the App from the Bank. No warranty is provided that the App will be free from defects or virus or that operation of the App will be uninterrupted. Use of the App by the Customer is at the Customer’s own discretion and risk, and the Customer is solely responsible for any damage resulting from the use of the App/Bank’s UPI service.

Disclaimer of Liability

The Bank has the absolute right to grant access to a Customer to use the App and the Customer agrees and consents that the Customer shall not engage in any activity that shall interfere with or disrupts the App. In the event of any misuse of the App, Bank shall have sole and absolute discretion to take suitable action against the Customer, including and not restricting Bank’s right to seek appropriate legal remedies at the Customer’s cost and expenses. Further, nothing herein shall restrict Bank’s right to delete / block / blacklist / prohibit creation of such VPA’s which in Bank’s sole and absolute discretion are misleading and/or likely to create confusion.

Indemnity The Customer agrees, at its own expense, to indemnify, defend and hold harmless the Bank, its directors, employees, assigns etc., in connection with the use of the UPI Services/the App, including with reference to:

Termination of services

General Conditions

Unauthorized transactions: