| App / channel | HDFC Bank App UPI with UPI ID, UPI Number, QR, mobile/contact, Account+IFSC, collect, balance, PIN and history functions. | INDIE mobile banking UPI with Manage UPI, UPI ID/UPI Number, linked-account management, history and disputes. |
|---|
| Registration | Create a UPI ID/profile and link an eligible HDFC Bank account through the bank app; registration and later device/SIM/mobile changes are subject to the bank’s security cooling controls. | Register UPI in INDIE and link a supported account; other banks’ UPI-enabled accounts can also be attached to the INDIE UPI handle. |
|---|
| Authentication | UPI PIN secures ordinary UPI. HDFC documents debit-card/OTP/card-PIN based steps for PIN reset in relevant app flows; RuPay credit-card UPI uses a UPI PIN after card linking. | UPI transactions use the UPI security/PIN flow. General INDIE app authentication and non-UPI transfer controls are not treated as substitutes for the UPI PIN rules. |
|---|
| Standard limits | App FAQ: up to 10 Send Money P2P transactions and ₹1 lakh per linked bank account within 24 hours. General limit page: P2P/P2M ₹1 lakh or 20 transactions in 24 hours; capital-market/defined collect categories ₹2 lakh; IPO ₹5 lakh. Scope conflict is preserved. | Up to ₹1 lakh cumulatively via up to 10 transactions to non-merchant accounts daily; up to ₹2 lakh cumulatively to specific merchants daily under the current INDIE FAQ. |
|---|
| Security cooling | New UPI user or changed device/SIM/mobile number: ₹5,000 for first 24 hours on Android and first 72 hours on iOS under the current HDFC Bank App FAQ. | First 24 hours after UPI registration: up to ₹5,000 cumulatively via up to five transactions across both non-merchant and merchant payments. |
|---|
| UPI Lite | Current RBI/NPCI framework is ₹1,000 per transaction and ₹5,000 maximum stored balance. A current-dated HDFC PayZapp article still carries older ₹500/₹2,000 copy, which is flagged as stale/conflicting rather than used as the current limit. | Current system-level UPI Lite limits are tracked separately at ₹1,000 per eligible payment and ₹5,000 maximum stored balance. A bank-specific INDIE Lite implementation is not asserted here unless the current bank channel explicitly documents it. |
|---|
| RuPay credit-card UPI | HDFC allows eligible RuPay credit cards to be linked on UPI for merchant/e-commerce payment flows. HDFC currently states up to ₹1 lakh/day (₹2 lakh for certain special MCCs) subject to available card limit, with ₹5,000/day for the first 24 hours after linking; NPCI’s issuer/risk/customer-limit rule remains controlling if lower. | RuPay credit-card-on-UPI is a separate eligible card-funded merchant flow under NPCI/issuer controls; this INDIE account-UPI profile does not infer that every linked bank/card is eligible. |
|---|
| AutoPay / mandates | UPI AutoPay is treated separately from one-off UPI payments; NPCI mandate controls include modify/revoke/pause/unpause and pre-debit notification rules. | UPI AutoPay remains a separate recurring-payment authorization layer. INDIE also has biller AutoPay functions, which are not assumed to be identical to UPI AutoPay unless the payment rail is identified. |
|---|
| Failure / recovery | UPI PIN can be reset through the bank app; device/SIM/mobile changes trigger temporary cooling. Incoming P2P limits and outgoing send limits are kept separate because HDFC publishes distinct controls. | UPI history and disputes are available in INDIE. Re-registration/security changes can alter temporary app limits, so UPI cooling and general fund-transfer cooling are stored separately. |
|---|