Privacy Policy

Who we are

Our website address is:

What personal data we collect and why we collect it


When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.

An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: After approval of your comment, your profile picture is visible to the public in the context of your comment.


If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.

Contact forms


If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.

If you have an account and you log in to this site, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.

When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.

If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.

Embedded content from other websites

Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracing your interaction with the embedded content if you have an account and are logged in to that website.


Who we share your data with

How long we retain your data

If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.

For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.

What rights you have over your data

If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.

Where we send your data

Visitor comments may be checked through an automated spam detection service.

Your contact information

Additional information

How we protect your data

We actually distorts the personal contact and other related information before approving any comments. Also we look for the spam and fraud comments and if found any, we delete and diffuse them for any further usage.

What data breach procedures we have in place

Comments and Cookies which ask users to contact them on their spoofed identities and the fraudsters who pose to be from official authorities, we make their details public and also delete all their contact information. Also we have recently made the list of fraudster mobile numbers and handed it over to Local Police Station.

What third parties we receive data from

Active Users of the

What automated decision making and/or profiling we do with user data

Industry regulatory disclosure requirements



What Is UPI App ?

UPI app stands for Unified Payment Interface and this has been announced by National Payment Corporation of India (NPCI). UPI is a payment system used to make banking transactions between two bank accounts using your Smartphone both offline and online. UPI app has been developed on IMPS (Immediate Payment Service) framework to transfer and receive funds immediately.

UPI App features

Feature #1 UPI Online/ Offline

UPI App works both online and offline for immediate transfer of money round the clock 24X7 and 365 days.

Feature #2 Single UPI App for different Bank Accounts

Yes, you read it correct. With Single UPI App installed on your Smartphone you can access your multiple bank accounts for transactions.

Feature #3 UPI Safety feature

UPI App is considered as the safest payment mechanism because of the described reason that to make transaction through UPI App, Customers need to share only their Virtual Address instead of any other sensitive information.

Feature #4 Working Of UPI App

Many Research Scholars and Technical students who want to know the mechanism of UPI app can now read this carefully that, Before start Using UPI app you have to follow these steps :

Step 1 : Download the UPI App of your Bank which may be Andhra Bank, Axis Bank, Bank of Maharashtra, Bhartiya Mahila Bank, Canara Bank, Catholic Syrian Bank, DCB Bank, Federal Bank, ICICI Bank, TJSB Sahakari Bank, Oriental Bank of Commerce, Karnataka Bank, UCO Bank, Union Bank of India, United Bank of India, Punjab National Bank, State bank of India, HDFC, Bank of Baroda/ BOB, South Indian Bank, Vijaya Bank, YES Bank or any other bank from Apple App Store or Google Play Store

Step 2 : Set up the UPI app login credentials using your smartphone

Step 3 : Create VPA (Virtual Payment Address) VERY IMPORTANT STEP

Step 4 : Now Add your bank account in the UPI App

Step 5 : Now Set M-Pin for your copy of UPI app

Step 6 : Congratulations !! You have successfully configured UPI App, Now start transactions.

UPI App List of Transactions

  • Merchant Payment
  • Utility Bill Payments (Telephone/ Mobile/ Gas/ Electricity etc.)
  • Over The Counter Payments (Payment at Bill desk)
  • Barcode Based Payments (Scan and Pay like Paytm, Freecharge etc.)

UPI App Using Instructions

Never tell your Secret Information Like Card Details, Online Banking User ID Password, M-PIN, ATM PIN, Transaction Password etc. to any one. Please Neither RBI nor any of the Government Agencies or Bank will ever ask for your above mentioned Details. So beware of any Such Fraud calls asking for your bank details giving counter argument that you should tell it immediately or your account will be freeze or banned.


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First of all lets understand what is a PSP in UPI ? PSP Full form is Payment Service Provider and can be defined as Payment Service Providers will be entities which are allowed to acquire customers and provide payment (credit/debit) services to individuals or entities. Payment Service Providers are the entities that provide for the Front-end/App for the customer. PSP will provide an App to the customers which will use the UPI libraries facilitating payments. The Updated List of UPI PSP Banks Till 10 December 2016 is as Under :

1 Allahabad Bank PSP & Issuer
2 Andhra Bank  (Andhra Bank UPI) PSP & Issuer
3 Axis Bank (Axis Bank UPI) PSP & Issuer
4 Bank of Baroda (Bank of Baroda UPI) PSP & Issuer
5 Bank of Maharashtra (Bank of Maharashtra UPI) PSP & Issuer
6 Canara Bank (Canara Bank UPI) PSP & Issuer
7 Catholic Syrian Bank (CSB UPI) PSP & Issuer
8 DCB Bank (DCB UPI) PSP & Issuer
9 Federal Bank (Federal Bank UPI) PSP & Issuer
10 HDFC Bank (HDFC UPI) PSP & Issuer
11 ICICI Bank (ICICI UPI) PSP & Issuer
12 IndusInd Bank (IndusInd Bank UPI) PSP & Issuer
13 Karnataka Bank (Karnataka Bank UPI) PSP & Issuer
14 Kotak Mahindra Bank (Kotak Mahindra Bank UPI) PSP & Issuer
15 Oriental Bank of Commerce (OBC UPI) PSP & Issuer
16 Punjab National Bank (PNB UPI) PSP & Issuer
17 South Indian Bank (South Indian Bank UPI) PSP & Issuer
18 State Bank of India (SBI UPI) PSP & Issuer
19 TJSB Bank (TJSB Bank UPI) PSP & Issuer
20 UCO Bank (UCO Bank UPI) PSP & Issuer
21 Union Bank of India (UBI Bank UPI) PSP & Issuer
22 United Bank of India (United Bank UPI) PSP & Issuer
23 Vijaya Bank (Vijaya Bank UPI) PSP & Issuer
24 Yes Bank (Yes Bank UPI) PSP & Issuer

Download UPI App

1 Allahabad Bank (UPI App Download) Allahabad Bank UPI
2 Andhra Bank  (Andhra Bank ONE App Download) Andhra Bank ONE
3 Axis Bank (Axis PAY App Download) Axis Pay
4 Bank of Baroda (Baroda MPay App Download) Baroda MPay
5 Bank of Maharashtra (MAHAUPI App Download) MAHAUPI
6 Canara Bank (Canara Bank UPI – Empower Download) Canara Bank UPI – Empower
7 Catholic Syrian Bank (CSB UPI App Download) CSB UPI
8 DCB Bank (DCB Bank UPI App Download) DCB Bank
9 Federal Bank (Lotza UPI App Download) Lotza
10 HDFC Bank (HDFC Bank MobileBanking App Download) HDFC Bank MobileBanking
11 ICICI Bank (Pockets-ICICI Bank App Download) iMobile- ICICI Bank
12 IndusInd Bank (Indus Pay App Download) Indus Pay
13 Karnataka Bank (KBL Smartz App Download) KBL Smartz
14 Kotak Mahindra Bank (KayPay App Download) KayPay
15 Oriental Bank of Commerce (OBCUPI App Download) OBCUPI PSP
16 Punjab National Bank (PNB UPI Download) PNB UPI
17 South Indian Bank (SIB M-Pay UPI Pay Download) SIB M-Pay (UPI Pay)
18 State Bank of India (SBI Pay App download) SBI Pay
19 TJSB Bank (TranZapp UPI App Download) TranZapp
20 UCO Bank (UCO UPI Download) UCO UPI
21 Union Bank of India (UBI Bank UPI App Download) Union Bank UPI
22 United Bank of India (United UPI Download) United UPI
23 Vijaya Bank (Vijaya UPI App Download) Vijaya UPI App
24 Yes Bank (Yes Pay UPI Download) Yes Pay