Unlock Financial Tools, Investment Insights, And Expert Guidance – All In One Convenient App !
Visit Our ABCD Page
PLAY STORE
APPSTORE
1800 270 7000
Download
Health Insurance
Housing Finance
Life Insurance
Mutual Funds
Personal Insurance
SME Finance
Stock & Securities
Home LoanFind customised home loan solutions for your unique needs
Balance TransferFind a better interest rate for your existing home loan
Top up Home LoanGet a loan on your existing home loan to meet your needs
Loan Against PropertyTurn your assets into a financial ally
Personal LoanMeet all your dreams and needs with a collateral-free Personal Loan
Flexi LoanMake loan repayment flexible and hassle-free with Flexi Loans
Instant Personal LoanGet quick funds with Aditya Birla Capital Instant Personal Loan
Long Term Personal LoanEnjoy affordable repayments and a flexible tenure with Aditya Birla Capital
Personal Loan EligibilityCheck your Aditya Birla Capital Personal Loan eligibility
Personal Loan Interest RatesEnjoy low personal loan interest rates for affordable repayments
Are you eligible for a Personal Loan? Find out now!
Calculate Now
Secured Business LoanBoost your business with competitive rates & flexible terms
Line Of CreditGet anytime funds, quick approval, & ongoing support with Line of Credit
Working Capital Demand LoanStrengthen your business cash flow with quick access to funds & flexible repayment options
Supply chain financing Solution - Invoice DiscountingImprove your cash flow & gain quick access to funds by discounting your invoices
Unsecured Business LoanFuel your business with fast approval & flexible terms
Construction FinanceOur solutions with Flexible funding, project requirements to drive construction forward.
Commercial Property PurchaseTurn your property vision into reality with flexible terms and competitive interest rates.
Lease Rental DiscountingSupporting real estate businesses in project completion
Mauris Porta Arcu Id Tortor Pulvinar Cursus. Mattis, Diam Id.
CALCULATE NOWLoan Against SharesLeverage your investments with Loan Against Shares, while retaining ownership of your assets
Loan Against Mutual FundsUnlock the value of your investments while keeping your assets intact
Loan Against Life insurance PolicyGet loans for all your business needs at attractive rates
IPO financingSeize investment opportunities with IPO Financing to help you invest with ease.
Promoter FundingEmpower your business growth with financial solutions to support expansion & ownership
Project FinanceTurn your ideas into reality with flexible funding to support your vision from start to finish
Structured FinanceUnlock customized financial solutions designed to meet the unique needs of complex business projects
Working Capital Demand LoanKeep your business running smoothly with quick access to funds for day-to-day operations
Term LoanAchieve your business goals with flexible repayment options & competitive rates for long-term growth
Debt FundsDiversify your portfolio and reduce risk with Debt Funds
Equity FundsInvest smartly in Equity Funds to aim for higher returns
Hybrid FundsDiversify your portfolio and reduce your risk with a mix of equity and debt
Retirement FundsGoal-oriented fund with a lock-in period to create a corpus for retirement
Children’s FundsSecure your child’s financial future with solutions-oriented children’s funds
Exchange Traded FundsUnlock a smart, hassle-free way to invest in various assets
Fund Of FundsChoose the smart way to diversify risks and grow investments
Index FundsFollow the benchmark of smart investors to grow your wealth
Calculate wealth creation through lumpsum investment in Mutual Funds
Calculate Now
Equity TradingInvest or trade in equity for attractive returns and long-term capital growth
Margin Trading FacilityGet up to 5X leverage on leading stocks & increase your trading power
BondsGive your portfolio stability with attractive returns
Start trading in equities and other securities. Grow your wealth with our Demat account.
Attractive returns
Term InsuranceBring security and peace to life’s unpredictability
Retirement PlansGet a guaranteed regular pension plus lump sum on plan maturity
Savings PlansGet a guaranteed regular pension plus lump sum on plan maturity
ULIP PlansGet the benefits of insurance & wealth creation in one convenient plan
Find out how much life insurance you need with our Human Life calculator
Calculate Now
Eye InsuranceProtect your vision with comprehensive eye insurance.
Dental InsuranceProtect your smile with comprehensive dental insurance and coverage plans tailored for you.
Hospicash InsuranceGet financial support with our hospital cash insurance for unexpected medical expenses.
Mental Health & Nutrition InsuranceGet the best mental health insurance online with ABCD Aditya Birla Capital today!
Personal Accident InsuranceSecure your future with our affordable personal accident insurance plans.
Tele OPD ConsultationsAccess convenient teleconsultation and video doctor consultations for your health needs.
Aditya Birla Capital LimitedAditya Birla Capital Limited (“ABCL”) is a listed systemically important non-deposit taking Non-Banking Financial Company (NBFC) and the holding company of the financial services businesses. ABCL and its subsidiaries/JVs provides a comprehensive suite of financial solutions across Loans, Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycles. Powered by over 61,600 employees, the businesses of ABCL have a nationwide reach with over 1,690 branches and more than 200,000 agents/channel partners along with several bank partners.
Nationwide Branches
1,690
No. of Employees
61,600+
Agents/Channel Partners
2,00,000+
Aggregate Assets
INR 5.53 Lakh Cr
Consolidated Lending Book
INR 1.65 Lakh CrCorporate Governance Policies
- Policy for appointment of Statutory Auditors
- ABCL NRC Policy
- Corporate Social Responsibility
- Fair Practices Code
- Internal Guidelines on Corporate Governance
- Familiarization Programme for Independent Directors
- Disclaimers
- Ombudsman
- Privacy Policy
- Trademark Policy
- Vigil Mechanism / Whistle Blower Policy
- Regulatory Disclosure
Financial and Debt-Related Policies
Business and Partnership Policies
- Outsourcing FAQ’s
- Press Releases
- Our Digital Lending Platform Partners
- Our Digital Referral Partners
- ABCL Collection and Recovery Agency List
- ABFL Terminated Collection and Recovery Agency List
- Importance of Following Repayment Schedule
- Scheme of Amalgamation
- SEBI Disclosures
- Interest Rates & Service Charges
- Discontinued Service provider list
- Terms & Conditions
- Fraud Awareness
- Archival Policy
Life Insurance
Health Insurance
Mutual Fund
Home Finance
Personal Finance
Stocks & Securities
Credit TrackCheck your credit score and get tips on how to improve it
Health TrackHealthy living made easy with ABCD’s Digital Health Evaluation
Portfolio TrackBring your assets and liabilities under one platform
Spend TrackManage your money effectively with Spend Track.
Vehicle TrackCheck Vehicle & Car Insurance Status/Validity Online
Read about MoneyMoney management made easy
Read about TaxUnderstanding direct and indirect taxes
Read about Retirement PlanKnow how to plan retirement well
Read about InsuranceInsurance and it's aspects for laymen
Read about InvestingInvestments and their jargon - simplified
Read about Loans and FinancingKnow all about loans and their management
Personal Loan EMI CalculatorEstimate your monthly loan repayments with Personal Loan EMI Calculator
Home Loan Eligibility CalculatorCalculate the expected EMI of your loan for easier repayments
BMI CalculatorIt measure your leanness or obesity basis your height and the weight.
Income Tax CalculatorCalculate the tax payable by you based on your income
SIP CalculatorEstimate the returns you can earn with your SIP investments
SWP CalculatorCalculate the Life Insurance cover you need to secure your family’s future
Experience ConseQuest- A game where your decisions drive your future.
.ashx?h=240&iar=0&w=240&hash=95B2B43DC1C2E5204E1FF3F69145615C)
UPI123: Pay on Call
How to Pay on Call with UPI123?
Follow a few simple steps for easy payments over the call.
Call on +91 80 45163563
Select Mode of Transaction
Enter UPI PIN to pay
Pay without the internet withUPI 123
-
Transfer money to anyone
-
Utility bill payments
-
FASTag recharge
-
Mobile recharge
-
Insurance payment
-
EMI recollection
-
Cash on delivery collection
How to start paying with ABCD App?
You can power your payments via the ABCD app with just a few simple steps.
Aditya Birla's Trust, you can rely on with confidence.
Bank on Aditya Birla’s trusted platform as your payment partner for hassle-free transactions.
Experience secured payment gateways and pay without worries!
Protect your data from frauds and cybercrimes with a completely safe payment experience
FAQs
UPI 123Pay is a Suite of solutions developed for Non Smart phone / feature phone users to use the UPI without internet connectivity.
No, you do not require a smartphone for a UPI Payment using UPI 123PAY.
Internet is not required for making payments through Feature Phone.
While registration of your account with UPI 123PAY, you have to setup a 4-6 digit UPI PIN.
Customer have to enter UPI PIN every time he makes the transactions. Note: If the customer already has a UPI PIN, they can use same UPI PIN.
UUPI PIN is a 4-6 digit pass code you create/set during first time registration with the Mobile App/IVR/any other channel. You have to enter this UPI-PIN to authorize all bank transactions. (Note: Banks issued MPIN is different from the UPI UPI-PIN) Note: Please do not share your UPI-PIN with anyone.
If customer enter wrong UPI PIN, transaction will fail and you have to start the process again. In case customer enter wrong UPI PIN multiple times, bank will temporarily block sending money using UPI form his Bank Account
Follow the below mentioned steps:
- Customer has to call on the IVR number
- Select the language by clicking on the number that refers to the language
- Choose to register your bank account
- Customer has to enter debit card details
- Customer has to enter UPI PIN
Yes, you can change or reset your UPI PIN for UPI 123PAY. Below are the steps to change or reset your UPI PIN for UPI 123PAY:
-
Customer has to call on the IVR number
-
Go to settings (Manage your account)
-
Click on the number that refers to update UPI PIN
-
Then you are required to enter your current UPI PIN and then enter your new UPI PIN twice
-
Your UPI PIN has been changed successfully
IVR is one of the methods to make UPI transactions through feature phones.
You will dial a number from your feature phone/smartphone and hear voice menu for various services. Select service you want to use, validate the beneficiary and enter UPI PIN for a successful transaction.
Yes, customer can select languages from a list of languages provided to them while using UPI 123PAY. The below mentioned languages are supported on UPI 123 PAY:
-
English
-
Hindi
-
Kannada
-
Tamil
-
Bengali
-
Malayalam
-
Telegu
More languages will be added soon
You can do feature phone payment currently in English, Hindi & Kannada
MISS CALL PAY allows customer to make transactions by just giving a miss call to a number.
Then the customer will get a call back (this call will be from a specific number) immediately where it will mention the name of beneficiary and ask you enter your amount followed by UPI PIN. Payment will be successful on entering correct UPI PIN
You can do payments in feature phone with and without app:
- With App: - Some feature phone/handsets will have apps installed by mobile phone manufacturer where you can do payments without using internet. You just need to register yourself on the feature phone app and start doing payments easily.
- Without app: - You can do payments from any feature phone while using IVR, miss-call pay, etc.
Customer can send money to any user using UPI 123PAY.
SIM Overlay is microchip which is to be placed between Sim and phone. Once we stick this on sim card, after that you will be able to see an app on your feature phone through which you can do UPI payments from it.
You can use the functionalities which are mentioned below:
- Multilingual
- Linking of bank accounts
- Set UPI PIN
- Reset UPI PIN
- Merchant Payments
- Settings
- Deregistration
Yes, your UPI ID will be created and customer will receive a SMS for the same.
No, you can make payments from your mobile number which is linked to your Bank account.
Yes, your money is safe by using 123PAY on feature phone. As NPCI we care for your money and while using UPI your money is safe. But to make it more secure we request never share your UPI PIN and OTP to anyone else.
You can raise a complaint with your bank directly.
Per transaction limit is INR 5000 on UPI 123PAY
Per day transactions limit is INR 1,00,000.
In case of failures money will be refunded back to your account. Sometimes this takes longer than intended. If you do not receive the refund within 1 hour, please contact customer support at your bank.
Follow the below steps for the change of language:
- Customer has to call on the IVR number (List of the number is available on the website)
- Click on the number that refers to Manage your account
- Click on the number that refers to change language
- Select the number for the assigned language
- Your language has been changed
Follow the below steps to disable UPI 123PAY:
- Customer has to call on the IVR number (List of the number is available on the website)
- Go to settings (Manage your account)
- Click on the number that refers to disable
- Select the number
- You have successfully disabled UPI 123PAY
No, debit card details are required to activate UPI.
No need to enter UPI ID for payment through 123PAY. Customer can enter mobile number and system will automatically map the UPI ID.
No, debit card details are required to activate UPI, this will ensure secure pass
No, currently you cannot create UPI PIN from Aadhaar card. We will be providing Aadhaar functionality soon.
Follow the below steps to link bank account with UPI 123PAY:
- Call on any IVR number
- Select your language
- Choose to register your bank account
- Enter your debit card details
- Set UPI PIN
- Bank accounted successfully linked with UPI 123PAY
No, receiving number must be registered on UPI.
Yes, Customer can delink bank account with UPI 123PAY.
No, multiple bank accounts cannot be linked on UPI 123PAY.
If the customer wants to add another account, then they must deregister the current bank account and then add the another bank account.
No, there are no charges for transactions under UPI 123PAY.
- Payment through IVR Number Using this solution customer can use UPI services by calling to a predefined number. Select the option via keypad and avail the services of UPI.
- Payment through Missed Call Using this solution customer can make transactions by calling on a number displayed on the merchant’s side, post which the customer will receive a call from a specified number to authenticate the transaction by entering UPI PIN. After the UPI PIN is entered correctly the transaction is successful.
- Payment through functionality implemented by OEM Using this solution customer can have a app of UPI on their feature phone. Using that app, the customer can make transactions.
- Payment through sound based technologies Using this solution customer has to call on the IVR number and choose pay to merchant option. They tap their mobile phone on merchant device (POD), and press # once the POD emits the unique tone; then he enters the amount and UPI PIN to make a successful transaction.