{"id":10865,"date":"2025-06-17T12:12:25","date_gmt":"2025-06-17T12:12:25","guid":{"rendered":"https:\/\/navia.co.in\/blog\/?p=10865"},"modified":"2025-08-12T06:43:44","modified_gmt":"2025-08-12T06:43:44","slug":"investment-payments-safer-simpler-with-upi-ids","status":"publish","type":"post","link":"https:\/\/navia.co.in\/blog\/investment-payments-safer-simpler-with-upi-ids\/","title":{"rendered":"Making Your Investment Payments Safer and Simpler with Validated UPI IDs"},"content":{"rendered":"\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><nav><ul><li class=\"\"><a href=\"#whats-changing\">What\u2019s Changing?<\/a><\/li><li class=\"\"><a href=\"#why-this-is-good-for-you\">Why this is Good for You?<\/a><\/li><li class=\"\"><a href=\"#what-should-you-do\">What Should You Do?<\/a><\/li><li class=\"\"><a href=\"#key-dates\">Key Dates<\/a><\/li><li class=\"\"><a href=\"#in-short\">In Short<\/a><\/li><li class=\"\"><a href=\"#frequently-asked-questions\">Frequently Asked Questions<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<p>The Securities and Exchange Board of India (SEBI) is introducing a big change to make your investing experience safer and more seamless. Starting <strong>October 1, 2025<\/strong>, all SEBI-registered intermediaries (like brokers, <a href=\"https:\/\/navia.co.in\/blog\/category\/mutual-funds\/\">mutual funds<\/a>, etc.) will use <strong>standardized and validated UPI IDs<\/strong> for collecting payments from investors.<\/p>\n\n\n\n<iframe class=\"custom-video\" src=\"https:\/\/www.youtube.com\/embed\/oHcOEdCMMX4?si=fVyYOCOA6W8Bsj4-\" title=\"YouTube video player\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-7ef320633c1aa6225a0bcb81bddb5467\" id=\"whats-changing\" style=\"color:#023368\">What\u2019s Changing?<\/h2>\n\n\n\n<p>Instead of paying to random UPI IDs, you\u2019ll now see verified,<strong> easy-to-recognize UPI IDs<\/strong>. These will look something like:<\/p>\n\n\n\n<p><strong>abc.brk@validhdfc<\/strong><\/p>\n\n\n\n<p>Here:<\/p>\n\n\n\n<p>\ud83e\udc16 abc is the intermediary\u2019s name.<\/p>\n\n\n\n<p>\ud83e\udc16 brk means broker (each type of intermediary has its own short code).<\/p>\n\n\n\n<p>\ud83e\udc16 @validhdfc means it\u2019s a verified handle issued by HDFC Bank.<\/p>\n\n\n\n<p>These new UPI IDs come with a special icon \u2013 a white thumbs-up inside a green triangle \u2013 so you know you&#8217;re sending money to the right place.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-text-color has-background has-link-color wp-element-button\" href=\"https:\/\/navia.co.in\/app.html\" style=\"background-color:#ec4d37\"><strong>Get Navia APP<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-8c5a95e534644c9bbbc2c66a86ed1b50\" id=\"why-this-is-good-for-you\" style=\"color:#023368\">Why this is Good for You?<\/h2>\n\n\n\n<p>\ud83e\udc16 <strong>More Security: <\/strong>You\u2019ll know you&#8217;re paying the correct, SEBI-verified intermediary.<\/p>\n\n\n\n<p>\ud83e\udc16 <strong>Simple Verification: <\/strong>A new \u201cSEBI Check\u201d tool will let you verify the UPI ID or scan a QR code before you pay.<\/p>\n\n\n\n<p>\ud83e\udc16 <strong>No Confusion: <\/strong>The new UPI IDs clearly show the type of intermediary you&#8217;re dealing with \u2013 like broker, mutual fund, or investment adviser.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-3afaa57e4025917f93b128c615781575\" id=\"what-should-you-do\" style=\"color:#023368\">What Should You Do?<\/h2>\n\n\n\n<p>You don\u2019t need to change your UPI ID \u2014 this update is only for intermediaries. But when you&#8217;re making payments to brokers, mutual funds, or any other SEBI-registered entity:<\/p>\n\n\n\n<p>\ud83e\udc16 Look for UPI IDs ending in @valid&lt;bank&gt; <\/p>\n\n\n\n<p>\ud83e\udc16 Make sure the UPI ID includes a recognizable intermediary name and type code (.brk, .mf, etc.) <\/p>\n\n\n\n<p>\ud83e\udc16 Look for the green triangle with a thumbs-up icon when paying or scanning the QR code<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/open.navia.co.in\/index-navia.php\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"149\" src=\"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/03\/OPEN-DEMAT-ACC.png\" alt=\"invest\n\" class=\"wp-image-9412\" srcset=\"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/03\/OPEN-DEMAT-ACC.png 1024w, https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/03\/OPEN-DEMAT-ACC-300x44.png 300w, https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/03\/OPEN-DEMAT-ACC-150x22.png 150w, https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/03\/OPEN-DEMAT-ACC-768x112.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-0979b4d0a6edf8e4e53abccb6895813c\" id=\"key-dates\" style=\"color:#023368\">Key Dates<\/h2>\n\n\n\n<p>\ud83e\udc16 October 1, 2025 \u2013 New UPI IDs go live<\/p>\n\n\n\n<p>\ud83e\udc16 By April 2026 \u2013 Old UPI IDs will be phased out<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-aa25249ef74c9d1f5f10a5fb408371cc\" id=\"in-short\" style=\"color:#023368\">In Short<\/h2>\n\n\n\n<p>SEBI is making <a href=\"https:\/\/navia.co.in\/blog\/category\/investments\/\">investing<\/a> 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.<\/p>\n\n\n\n<p>Stay alert. Pay smart. Invest safe.<\/p>\n\n\n\n<p class=\"has-text-align-center\"><strong>Do You Find This Interesting?<\/strong><\/p>\n\n\n\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-ad2f72ca wp-block-group-is-layout-flex\">\n<p>We\u2019d Love to Hear from you-<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/form.typeform.com\/to\/bpQ8ZlDc\"><img decoding=\"async\" width=\"300\" height=\"64\" src=\"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/02\/Yes-No-Button-1.png\" alt=\"feedback yes or no button\" class=\"wp-image-8901\" srcset=\"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/02\/Yes-No-Button-1.png 300w, https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/02\/Yes-No-Button-1-150x32.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/a><\/figure>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-9a07b674a5b87db9730c3cf59dbbb76b\" id=\"frequently-asked-questions\" style=\"color:#023368\">Frequently Asked Questions<\/h2>\n\n\n<div class=\"wp-block-ub-content-toggle wp-block-ub-content-toggle-block\" id=\"ub-content-toggle-block-874dda56-3107-4a90-b046-71cfa128675a\" data-mobilecollapse=\"false\" data-desktopcollapse=\"false\" data-preventcollapse=\"false\" data-showonlyone=\"false\">\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #f1f1f1; \" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #f1f1f1;\" aria-controls=\"ub-content-toggle-panel-0-874dda56-3107-4a90-b046-71cfa128675a\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-874dda56-3107-4a90-b046-71cfa128675a\" style=\"color: #000000; \"><strong>Do I need to use the new verified UPI ID when making investment payments?<\/strong><\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #000000;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down open\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"true\" class=\"wp-block-ub-content-toggle-accordion-content-wrap\" id=\"ub-content-toggle-panel-0-874dda56-3107-4a90-b046-71cfa128675a\">\n\n<p>Yes. Starting October 1, 2025, payments to brokers, mutual funds, and other SEBI-registered intermediaries must be made using the new verified UPI IDs.<\/p>\n\n<\/div>\n\t\t<\/div>\n\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #f1f1f1; \" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #f1f1f1;\" aria-controls=\"ub-content-toggle-panel-1-874dda56-3107-4a90-b046-71cfa128675a\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-874dda56-3107-4a90-b046-71cfa128675a\" style=\"color: #000000; \"><strong>Can I still pay using NEFT, IMPS, or cheques?<\/strong><\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #000000;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down open\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"true\" class=\"wp-block-ub-content-toggle-accordion-content-wrap\" id=\"ub-content-toggle-panel-1-874dda56-3107-4a90-b046-71cfa128675a\">\n\n<p>Yes! You can continue using any payment method you prefer.<\/p>\n\n<\/div>\n\t\t<\/div>\n\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #f1f1f1; \" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #f1f1f1;\" aria-controls=\"ub-content-toggle-panel-2-874dda56-3107-4a90-b046-71cfa128675a\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-874dda56-3107-4a90-b046-71cfa128675a\" style=\"color: #000000; \"><strong>What if a payment fails?<\/strong><\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #000000;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down open\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"true\" class=\"wp-block-ub-content-toggle-accordion-content-wrap\" id=\"ub-content-toggle-panel-2-874dda56-3107-4a90-b046-71cfa128675a\">\n\n<p>Just reach out to your bank, like you would with any UPI issue.<\/p>\n\n<\/div>\n\t\t<\/div>\n<\/div>\n\n\n<p><strong>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.<\/strong><br><\/p>\n","protected":false},"excerpt":{"rendered":"<p>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\u2019s Changing? Instead of paying to random UPI IDs, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":10875,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[11,7,21,22,53,8,571,32],"class_list":["post-10865","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investments","tag-financial-goals","tag-indian-stock-markets","tag-investments","tag-investor","tag-marketperformance","tag-sebi","tag-upi-id","tag-wealth-creation"],"featured_image_src":"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/06\/Making-Your-Investment-Payments-Safer-and-Simpler-with-Validated-UPI-IDs.png","author_info":{"display_name":"Navia Markets","author_link":"https:\/\/navia.co.in\/blog\/author\/tradeplusonline\/"},"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/posts\/10865","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/comments?post=10865"}],"version-history":[{"count":12,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/posts\/10865\/revisions"}],"predecessor-version":[{"id":12281,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/posts\/10865\/revisions\/12281"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/media\/10875"}],"wp:attachment":[{"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/media?parent=10865"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/categories?post=10865"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/tags?post=10865"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}