Download a UPI-enabled app from your bank or a trusted payment app
Open the app and sign in with your mobile number
Verify your mobile number with the OTP
Link your bank account to the app
Set or confirm your UPI PIN
Go to the profile or UPI ID section in the app
Select the option to create or manage UPI ID
Choose a UPI ID from the available suggestions or enter your preferred ID
Confirm the UPI ID
Use the UPI ID for sending and receiving payments