Download a UPI-enabled app such as Google Pay, PhonePe, Paytm, or your bank’s app
Sign in with your mobile number linked to your bank account
Complete the verification process using OTP
Link your bank account to the app
Set your UPI PIN if prompted
Open the app’s profile, bank account, or UPI settings section
Find your UPI ID or VPA
Use the displayed UPI ID, such as yourname@bankname
Create a custom UPI ID if the app allows it