One catch: some apps, PhonePe and Paytm among them, often refuse account-number codes, so test it in the apps your customers use, and use a UPI ID if you have one. Scan it with your own app before you share it, so you know the digits are right.
What you need
Two things, both printed somewhere you already have.
Your account number
Where to find it: the first page of your passbook, the top of your statement, your cheque book, or the account details screen in your bank's app or net banking.
How long it is: it varies by bank, commonly 9 to 18 digits. Copy every digit, including any zeros at the start.
What it is not:
- Not your customer ID or CIF number. That identifies you to the bank, and it's often printed near the account number.
- Not the MICR code. The 9-digit code along the bottom of a cheque identifies the branch for cheque clearing.
- Not the cheque number. Also on the bottom edge, and different on every leaf.
Your IFSC
Eleven characters, like HDFC0001234. It identifies your bank branch.
| Part | Example | Meaning |
|---|---|---|
| First four letters | HDFC | The bank |
| Fifth character | 0 | Always a zero |
| Last six characters | 001234 | The branch |
Where to find it: your cheque book, your passbook, the account details screen in your bank's app, or the IFSC search on the RBI's website.
Don't mix up zero and the letter O. The fifth character is always the number zero; it's the most common IFSC typo. The generator checks the IFSC's shape as you type.
How it works
UPI can send money two ways: to a UPI ID, or straight to an account number plus IFSC. The second route is the same one you'd use to add a payee by hand in a banking app. The QR simply carries those details so nobody has to type them.
Inside the code, your account is written as a UPI address in this format:
[email protected]
That's your account number, an @, your IFSC and .ifsc.npci. It isn't a UPI ID you can log in with or share as one; it's a payment address the payer's app understands.
Want a real UPI ID too?
You don't convert an account number into a UPI ID. You set one up in any UPI app with the same bank account, which takes a few minutes. A UPI ID is shorter, easier to read aloud, and easier to print under the QR.
Check it before you share it
Scan your QR with your own UPI app. Don't pay, just scan. The app looks up the account and shows the name on it.
If that name is yours, the details are right. If the app says the account doesn't exist, or shows a name you don't recognise, you've mistyped something: almost always the account number or the branch part of the IFSC.
Do this before you print or send anything. A wrong digit doesn't always bounce. If it matches someone else's account at that branch, the money goes to a stranger.
What the payer sees
The payer's app looks up the account and shows the account holder's name exactly as your bank holds it, before they confirm. If you've fixed an amount, it's already filled in. They enter their UPI PIN and the money goes to your account.
Since June 2025, UPI apps show only that bank-registered name, never a name typed into a QR. So leave the generator's name field blank or match it to your bank record, and print your shop name on the card.
Why the name on screen may differ
Sending it as an image? If someone saves your QR and picks it from their gallery, UPI apps limit the payment to ₹2,000. For larger amounts, they should scan it with the camera, or you can share your account details for a bank transfer.
If it doesn't work
| What happens | Likely cause | Fix |
|---|---|---|
| "Invalid account" or "account not found" | A digit missing or swapped in the account number | Copy it again from your passbook or app |
| "Invalid IFSC" | The letter O typed instead of zero, or a wrong branch code | Re-enter it; the fifth character is always zero |
| A stranger's name appears | Account number mistyped into a real, different account | Stop. Correct the number before anyone pays |
| Works in one app, not another | PhonePe, Paytm and some other apps often reject account-number codes | Test in your customers' apps, or switch to a UPI ID |
| "You can pay upto 2000 for QRs selected from gallery" | The payer picked your QR image from their gallery | Ask them to scan it with the camera instead |
| Fails only for large amounts | The payer has reached their own bank's UPI limit | They pay the rest later or from another account |
Should you use this, or get a UPI ID?
For a one-off, like money someone owes you or a shared bill, an account-and-IFSC code is fine.
For a shop counter, set up a UPI ID. It's free, quick in any UPI app, and easier to print and read aloud. The account-number format is less common, so if you do use it at a counter, test it in the apps your customers use first.
A note on using a personal account for business
If this QR is going on a shop counter, the account behind it matters.
A personal savings account taking daily business payments mixes your own money with your turnover. Tax departments do compare UPI credits with filed returns, and when they ask, explaining each credit is your job. Personal transfers, loans and money moved between your own accounts look the same as sales in a statement.
A current account in the business name keeps them apart. It also changes the name customers see to your business name.
This is general information, not advice for your situation; talk to your accountant.
Questions
Can I make a UPI QR without a UPI ID?
Yes. Use your account number and IFSC in the generator's Bank account tab.
Can I make a QR for a current account?
Yes. The same steps work for a savings or a current account. Scan the finished code with your own app to confirm it shows the account name.
Where do I find my IFSC?
On your cheque book, in your passbook, in your banking app under account details, or through the RBI's IFSC search. It's eleven characters, with a zero in fifth place.
Is my customer ID the same as my account number?
No. The customer ID (or CIF number) identifies you to the bank. The QR needs the account number.
Is the MICR code the same as the IFSC?
No. MICR is a 9-digit code on the bottom of a cheque, used for cheque clearing. UPI needs the 11-character IFSC.
Is it safe to put my account number in a QR code?
An account number and IFSC let people send you money, not take it. They're printed on every cheque. Nobody can debit your account without your authorisation.
Will this work in every UPI app?
Not always. It's a standard UPI payment address, but PhonePe, Paytm and some other apps often reject account-number codes. Test it in the apps your customers use, and use a UPI ID if you have one.
My QR shows the wrong name when I scan it. Why?
The account number or IFSC is mistyped and points to a different account. Check both digit by digit before anyone pays.
Bank account number se QR code kaise banaye?
Generator mein "Bank account" tab kholiye, apna account number aur IFSC daaliye. QR turant ban jaata hai. Print karne se pehle apni UPI app se scan karke dekhiye ki aapka hi naam aa raha hai; galat number se paisa kisi aur ke khaate mein ja sakta hai.
Sources
- Only the bank-registered name shown before payment (NPCI circular OC 101-A, June 2025): MediaNama
- ₹2,000 limit for QR codes picked from the gallery (NPCI circular OC 76A, April 2024): reproduced by TaxGuru
Last reviewed 29 October 2026