Making Your Investment Payments Safer and Simpler with Validated UPI IDs
Published: June 2025
The Securities and Exchange Board of India (SEBI) is introducing a big change to make your investing experience safer and more seamless. Starting October 1, 2025, all SEBI-registered intermediaries (like brokers, mutual funds, etc.) will use standardized and validated UPI IDs for collecting payments from investors.
What’s Changing?
Instead of paying to random UPI IDs, you’ll now see verified, easy-to-recognize UPI IDs. These will look something like:
abc.brk@validhdfc
Here:
🠖 abc is the intermediary’s name.
🠖 brk means broker (each type of intermediary has its own short code).
🠖 @validhdfc means it’s a verified handle issued by HDFC Bank.
These new UPI IDs come with a special icon – a white thumbs-up inside a green triangle – so you know you’re sending money to the right place.
Why this is Good for You?
🠖 More Security: You’ll know you’re paying the correct, SEBI-verified intermediary.
🠖 Simple Verification: A new “SEBI Check” tool will let you verify the UPI ID or scan a QR code before you pay.
🠖 No Confusion: The new UPI IDs clearly show the type of intermediary you’re dealing with – like broker, mutual fund, or investment adviser.
What Should You Do?
You don’t need to change your UPI ID — this update is only for intermediaries. But when you’re making payments to brokers, mutual funds, or any other SEBI-registered entity:
🠖 Look for UPI IDs ending in @valid<bank>
🠖 Make sure the UPI ID includes a recognizable intermediary name and type code (.brk, .mf, etc.)
🠖 Look for the green triangle with a thumbs-up icon when paying or scanning the QR code
Key Dates
🠖 October 1, 2025 – New UPI IDs go live
🠖 By April 2026 – Old UPI IDs will be phased out
In Short
SEBI is making investing safer by rolling out validated, easy-to-identify UPI IDs for all registered intermediaries. This will help protect your money and give you peace of mind when investing.
Stay alert. Pay smart. Invest safe.
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Frequently Asked Questions
Do I need to use the new verified UPI ID when making investment payments?
Yes. Starting October 1, 2025, payments to brokers, mutual funds, and other SEBI-registered intermediaries must be made using the new verified UPI IDs.
Can I still pay using NEFT, IMPS, or cheques?
Yes! You can continue using any payment method you prefer.
What if a payment fails?
Just reach out to your bank, like you would with any UPI issue.
DISCLAIMER: Investments in the securities market are subject to market risks, read all the related documents carefully before investing. The securities quoted are exemplary and are not recommendatory. Brokerage will not exceed the SEBI prescribed limit.
