| App / channel | UPI through Kotak Mobile Banking/BHIM UPI and supported UPI apps linked to an eligible Kotak account; eligible Kotak RuPay credit cards can be separately linked for merchant UPI. | PNB ONE 2.0 and BHIM PNB for smartphone UPI; PNB also offers UPI 123PAY over IVR for eligible feature-phone/no-internet use and card-funded UPI for eligible PNB RuPay credit cards. |
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| Registration | Create/link the UPI ID/VPA against the eligible Kotak account using the registered mobile/device journey and set the UPI PIN. Newly linked RuPay credit cards follow a separate card-linking and UPI-PIN flow. | PNB ONE self-onboarding can use debit card, Aadhaar-based view credentials, Internet Banking credentials or branch mode; UPI registration then links eligible account/mobile and establishes UPI PIN. UPI 123PAY provides a separate IVR account/PIN setup route. |
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| Authentication | Account-funded UPI uses the UPI PIN. Kotak states that card-funded UPI uses a UPI PIN distinct from the credit-card PIN; the current RuPay FAQ says UPI PIN change for the linked card is not presently available through that flow. | PNB ONE uses MPIN/biometric for app access and TPIN/OTP for bank transactions, while UPI flows use UPI PIN. PNB's 123PAY IVR can set a UPI PIN using debit-card details, ATM PIN and OTP when required. |
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| Standard limits | ₹1 lakh maximum daily UPI transfer is consistently stated, but current bank pages differ on transaction count: Scan & Pay says 10 transactions/day while the BHIM UPI FAQ says up to 20/day. Gallery-uploaded QR is limited to ₹2,000 per transaction on the reviewed Scan & Pay page. | No fresh universal PNB account-funded UPI daily ceiling is hard-coded from the 2026 public PNB ONE/UPI pages. The engine retains the older ₹50,000/day figure only as legacy evidence and requires the live PNB ONE/BHIM PNB control for current high-value usage. |
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| Security cooling | Current Kotak help: transactions are restricted to ₹5,000 during the first 24 hours after UPI registration. | No current PNB-specific first-registration/device-change UPI cooling amount is asserted from the reviewed 2026 source set. Live app/risk controls remain controlling. |
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| UPI Lite | Kotak's April 2026 first-party educational guidance reflects the current system framework—₹1,000 per Lite transaction and ₹5,000 wallet balance with Auto Top-Up. Because that is educational rather than a channel entitlement page, the profile does not claim every Kotak UPI app/version exposes Lite. | PNB's January 2026 results material states PNB ONE 2.0 supports UPI Lite. Current numeric system limits are kept at the RBI/NPCI framework (₹1,000 per transaction, ₹5,000 stored balance) rather than the bank's much older launch-era Lite material. |
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| RuPay credit-card UPI | Kotak RuPay credit-card UPI permits merchant P2M, not person transfers/receipts. Current bank FAQ states ₹1 lakh/day per card, ₹2 lakh/day for specified special cases, subject to available credit; first 24 hours after linking are capped at ₹5,000. P2P/P2PM, cash withdrawal, digital account opening, lending, eRUPI, IPO, foreign inward remittance and mutual funds are restricted. | PNB's current credit-card portal supports linking eligible PNB RuPay credit cards to listed UPI apps and paying merchant QR/online UPI flows using UPI PIN. The card-funded path is treated as P2M, not as a P2P/receive-funds account substitute. |
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| AutoPay / mandates | Kotak exposes UPI AutoPay management and merchant UPI mandate create/modify/revoke/execute/notification/history capabilities. A mandate's own recurring authorization is not treated as the ordinary P2P transfer limit. | PNB ONE 2.0 explicitly supports UPI Mandate. Mandates are stored as recurring authorization rather than being assigned the old PNB ONE generic mobile-banking limit. |
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| Failure / recovery | Kotak provides in-app transaction history/dispute support and UPI block/unblock help. Re-registration after mobile changes and linked-card issues should follow the current bank/app flow rather than assuming prior device credentials persist. | PNB ONE provides UPI transaction history and blocking. PNB's current UPI/123PAY pages publish bank support routes; card-linking issues use the card portal/customer-care path and ordinary payment disputes should follow the relevant UPI/app bank channel. |
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