NPCI BHIM Services Limited (NBSL), a subsidiary of National Payments Corporation of India (NPCI), on September 22 officially unveiled its new AI assistant 'My UPI' on the BHIM Payments app. It was presented at the Global Fintech Fest 2026. Its main objective is to provide quick assistance to the crores of customers who transact through UPI daily and face problems like payment interruptions, transfers to wrong accounts and refunds.
Features of My UPI
My UPI is an Artificial Intelligence-based digital companion that interacts directly with users. This tool is available in the 'Quick Actions' menu of the BHIM app, where customers can ask for solutions to their problems in colloquial language. Currently this facility is available 24 hours in Hindi, English, Bengali, Tamil and Telugu.
Whenever a complaint is lodged, the user gets a reference number. Through this number, customers can track the status of their case themselves, eliminating the need to visit bank branches and fill lengthy complaint forms.
To prevent digital fraud, a special option called 'Pay Safe' has been included in My UPI. Whenever a QR code is scanned or ID is entered, this tool will display the real bank name of the person in question. Additionally, 'Safety Switch' has also been added, allowing users to block their bank account at the UPI level in one click.
Many times unwanted money is deducted from customers' accounts through autopay. My UPI provides a complete list of active mandates, allowing customers to pause or cancel any autopay as per their needs. Along with this, users can also de-link their mobile number to UPI so that unwanted transactions do not take place.
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