Open the PhonePe app
Sign in with your mobile number
Complete the registration and verification process
Link your bank account
Select your bank from the list
Allow PhonePe to fetch your account details
Set your UPI PIN if prompted
Go to the profile or bank accounts section
Choose the option to create or manage UPI ID
Select a suggested UPI ID or enter a custom one if available
Confirm the UPI ID
Save the UPI ID and use it for UPI payments