Instant UPI
Link any bank account. Pay by QR, mobile number or UPI ID.
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UPI & Payments
Scan, pay and collect in seconds. NEFT, RTGS and IMPS for larger transfers.
- UPI limit
- ₹1 lakh/day
- UPI fees
- ₹0
- IMPS
- 24×7
- Bill pay
- 500+ billers
01 — Why choose it
Pay anyone, anywhere
Autopay & bills
Electricity, mobile, DTH, rent and EMIs on autopay.
Business QR
Dynamic QR, soundbox alerts and daily settlement for shops.
02 — Rates & features
The numbers, plainly
| Channel | Limit · timing |
|---|---|
| UPI | ₹1,00,000 a day · instant |
| IMPS | ₹5,00,000 · 24×7 |
| NEFT | No limit · half-hourly batches |
| RTGS | ₹2,00,000 minimum · real-time |
Illustrative figures for a fictional bank. Subject to change.
03 — Good to know
Questions we hear often
Is UPI free?
Yes, UPI payments from your RayBank account are free.
What if a payment fails?
The amount is auto-reversed in 3–5 working days. Raise a dispute in the app.