UPI Handle Directory — Which Bank is @okaxis? 95 Handles
@ tells you which bank or PSP is actually behind the account. Type a handle like @okaxis or a bank like Axis below for an instant answer — bank, category, and whether the match is confirmed or inferred — across all 96 handles this directory tracks.Search & filter
96 handles tracked · reviewed 28 August 2026
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Type at least 3 characters — a handle like @okaxis or a bank like Axis — for an instant answer.
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This directory tracks 96 UPI handles from NPCI's TPAP list and each bank/app's own published naming pattern. @okaxis and @okbizaxis are Axis Bank (Google Pay); @okicici is ICICI Bank (Google Pay); @okhdfcbank is HDFC Bank (Google Pay); @oksbi is State Bank of India (Google Pay); @ybl is Yes Bank (PhonePe); @upi is a generic BHIM/NPCI address, not one fixed bank; @paytm routes through Paytm Payments Bank. Each entry is marked confirmed (cross-checked against a second source) or likely (inferred from the handle's own naming pattern) — search any handle above to see which. Last reviewed 28 August 2026.
How to Check Which Bank a UPI Handle Belongs To
A UPI ID (or VPA — Virtual Payment Address) looks like username@handle, for example 9876543210@okaxis. UPI is one interoperable network run by NPCI (the National Payments Corporation of India) — the handle after the @ is what tells your app, and the receiving bank's app, which member bank or PSP (Payment Service Provider) actually holds the account, not who the account belongs to. The same person can have completely different handles depending on which app they linked their account through — Google Pay, PhonePe, and Paytm each issue their own handle per sponsor bank, which is why @okaxis and @ybl can both be genuine even though they don't look alike. Type any handle into the search box above — with or without the @ — and it's matched instantly against all 96 entries in this directory, no page reload.
Is @okaxis Safe? How We Verify
@okaxis is a genuine, confirmed Axis Bank handle used by Google Pay — not a scam pattern. Every entry in this directory is built from NPCI's TPAP list combined with each bank/app's own published handle set, then cross-checked where a second independent source (the sponsor-bank data behind the IFSC Finder and UPI QR Generator) confirms it. Where no second source exists, the bank is shown as "likely" — inferred from the handle's own naming pattern rather than confirmed twice. Either way, a pattern match only tells you the spelling follows a known convention — it can't confirm who holds the specific account you're about to pay. Before any payment you're unsure about, especially a large one, read the payee name your UPI app shows back, or run the UPI ID & QR Code Safety Checker for a full fraud-signal read.
All 96 UPI Handles
Every handle this directory tracks, sorted by bank. As per the NPCI TPAP list and each bank/app's own published handle set — a maintained reference list, not a live NPCI registry query. Reviewed 28 August 2026.
Google Pay Handles
Google Pay issues one handle per sponsor bank rather than a single GPay-wide handle — which one a given user has depends on which bank they linked first:
@okaxis— Axis Bank@okhdfcbank— HDFC Bank@oksbi— State Bank of India@okicici— ICICI Bank@okbizaxis— Axis Bank
PhonePe Handles
Same pattern as Google Pay — PhonePe accounts are split across three sponsor banks:
@ybl— Yes Bank@ibl— ICICI Bank@axl— Axis Bank
Which Bank is @ybl, @upi, @paytm? Most-Searched Handles
The handles people look up most often, and what's actually behind each one:
@okaxis— Axis Bank (Google Pay)@okicici— ICICI Bank (Google Pay)@okhdfcbank— HDFC Bank (Google Pay)@ybl— Yes Bank (PhonePe)@upi— BHIM/NPCI generic address, not one fixed bank@paytm— Paytm Payments Bank@apl— Amazon Pay (not Kotak — Kotak Mahindra Bank's own handles are@kotakand@okkotak)
Where this data comes from
- Source: NPCI TPAP list and each bank/app's own published handle naming pattern
- 96 handles tracked here, out of 200+ NPCI has registered in total
- Last reviewed: 28 August 2026
- NPCI's own UPI FAQ page ↗
How to Verify a UPI Handle — and Spot a Fake One
Most fake-handle scams rely on a one- or two-character typo that's easy to miss at a glance — @okhdfcbank (real) versus @okhdfcbakn (transposed letters), or @okaxis (real) versus @okaxis01 (real handle with digits tacked on — not the same account, and not in this directory). Search either one above: an exact match confirms the spelling follows a known pattern; a near-miss gets flagged with the closest real handle as a likely typo. That only confirms spelling, though — it can't confirm who actually holds the account behind a correctly-spelled handle. For collect-request traps, brand impersonation, and other fraud signals in a UPI ID, link, or QR, use the UPI ID & QR Code Safety Checker — and for any new or unfamiliar payee, send ₹1 first and read the name your app returns before confirming a larger payment.
What is the @valid UPI Handle?
@valid isn't a bank or app handle at all. From October 2025, SEBI requires registered stockbrokers, mutual funds, and other regulated intermediaries collecting payments from investors to use a UPI ID ending in @valid, shown with a verified checkmark inside your UPI app. It exists specifically so investors can tell a genuine registered intermediary from an impersonator — if someone claiming to be a SEBI-registered broker asks you to pay to a handle that isn't @valid, that mismatch is worth checking before you pay.
Read the guide
🛡️ Trust & Safety
Safety & Limitations
A reference list, not a live verification service.
- List UPI handles (like @okicici, @ybl) matched to their issuing bank or PSP, checked against NPCI’s published list and individual bank websites
- Guarantee this list is complete or fully current — banks and NPCI add or retire handles without a public change feed
- Confirm a specific UPI ID is genuine just because its handle is real — a real handle does not mean the account behind it is trustworthy
If a handle you were sent is missing here, that does not by itself mean it is fake — check with your bank if you are unsure.
Toolsda is an independent product and is not affiliated with, endorsed by, or connected to NPCI, RBI, UPI, Google Pay, PhonePe, Paytm, or any bank. UPI® is a registered trademark of NPCI.
Found wrong handle mapping, or a wrong scam flag?
If something looks like fraud:NPCI cybercrime.gov.in Helpline 1930
Frequently Asked Questions
@okaxis which bank?
@okaxis is Axis Bank, used by Google Pay. It's one of four handles GPay issues — @okaxis, @okhdfcbank, @oksbi, and @okicici — one per sponsor bank, not one handle per app. This is a confirmed match against Axis Bank's own published handle, not an inferred guess.
@okaxis which UPI app?
Google Pay. @okaxis is the handle Google Pay issues to users whose account is sponsored by Axis Bank — other Google Pay users see @okhdfcbank, @oksbi, or @okicici instead, depending on their own sponsor bank.
Is @okaxis safe to pay?
@okaxis itself is a confirmed, legitimate Axis Bank / Google Pay handle pattern — it's not a scam handle. That confirms the spelling is genuine, though, not who holds the specific account you're paying. Before a large payment, always read the payee name your UPI app shows back and confirm it matches who you expect.
Which bank is @okicici?
@okicici is ICICI Bank, used by Google Pay — the same "ok" naming pattern as @okaxis, @okhdfcbank, and @oksbi, one handle per sponsor bank.
Which bank is @okhdfcbank?
@okhdfcbank is HDFC Bank, used by Google Pay. The "ok" prefix is Google Pay's own naming convention across all four of its bank handles.
Which bank is @ybl? Is @ybl safe?
@ybl is Yes Bank, used by PhonePe. It's a confirmed, official PhonePe handle — safe in the sense that the pattern is genuine, not a spoof. PhonePe also issues @ibl (ICICI Bank) and @axl (Axis Bank); which one a given user gets depends on which bank onboarded their account.
Which bank is @upi?
@upi isn't tied to one specific bank — it's a generic BHIM/NPCI address pattern, routed through whichever bank the account is actually linked to rather than one fixed issuer.
@paytm which bank?
@paytm routes through Paytm Payments Bank. Paytm also issues bank-specific handles for some accounts — @ptsbi (SBI), @pthdfc (HDFC), @ptaxis (Axis), @ptyes (Yes Bank) — so not every Paytm user has exactly @paytm.
Which bank is @apl?
@apl is Amazon Pay, not a single bank — Amazon Pay also issues @rapl (RBL Bank-linked) and @yapl (Yes Bank-linked) for some accounts.
What is the Kotak Mahindra UPI handle?
Kotak Mahindra Bank's own handles are @kotak and @okkotak (the Google Pay variant for Kotak-sponsored accounts) — not @apl, which is Amazon Pay.
How many UPI handles are there?
NPCI has 200+ registered handles across banks, PSPs and third-party apps. This directory tracks 95 of the ones people actually search for and encounter day to day — the major bank, Google Pay, PhonePe, Paytm, BHIM and wallet handles — not the full registry.
What is the difference between a UPI handle and a UPI ID?
A UPI ID (or VPA — Virtual Payment Address) is the whole address, like rahul@okaxis. The UPI handle is just the part after the @ — okaxis — and it identifies the bank or app managing that account, not the specific person.
How do I check if a UPI handle is fake?
Compare it letter-by-letter against a known handle in this directory — scams often rely on a one-character typo, like @okhdfcbank vs @okhdfcbakn, or an extra digit like @okaxis vs @okaxis01. Search it above: an exact match confirms the spelling follows a known pattern; a near-miss gets flagged as a likely typo. That only confirms spelling, though — it can't confirm who holds the account behind a correctly-spelled handle. For an actual fraud-signal check on a UPI ID, link, or QR, use the UPI ID & QR Code Safety Checker.
How is "bank confirmed" different from "likely"?
"Confirmed" means this directory's bank mapping matches a second, independent source (the sponsor-bank data behind the IFSC Finder / UPI QR Generator) or the handle's own naming pattern directly names the bank. "Likely" means the bank is inferred only from the handle's naming convention — still a reasonable read, just not cross-checked against a second source, so it's shown separately rather than stated as flatly as a confirmed match.
Where does this UPI handle data come from?
The NPCI TPAP (Third-Party App Provider) list and each bank or app's own published handle naming pattern — not a live NPCI registry query. It's a static reference list covering the handles people commonly encounter, not all 200+ handles NPCI has ever registered, and a handle can in principle be reassigned without this list knowing.
What is @valid on a UPI ID?
@valid isn't a bank or app handle — from October 2025, SEBI requires registered stockbrokers, mutual funds and other regulated intermediaries collecting investor payments to use a UPI ID ending in @valid, shown with a verified checkmark in your UPI app. If someone claiming to be a SEBI-registered broker asks for payment to a handle that isn't @valid, that mismatch is worth checking before you pay.
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See the rest of the cluster on the UPI Tools hub.