Compare Punjab National Bank UPI — PNB ONE & BHIM PNB and SBI UPI — YONO SBI & BHIM SBI Pay using the controlling cost, balance, rate, tenure, liquidity, limits, eligibility and current first-party bank evidence for this product type.
Compare the two source-backed records without collapsing unlike conditions into a winner score.
PNB customers who want the current mobile/UPI feature set and alternate UPI 123PAY/card-funded routes mapped without relying blindly on an old ₹50,000 bank limit document.
SBI customers who want the bank’s own UPI channels and need the first-day/device security limits, transaction-count rules and UPI Lite thresholds stated explicitly.
bankingreference.info · Comparison research sheet
Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare-banking/pnb-upi-one-bhim-vs-sbi-upi-yono-bhim-sbi-pay/
General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.
Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.
Source review: September 11, 2026
Maintenance: Source recheck advised
6 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Conflict or scope mismatch flagged in the record. Read the source caveats before relying on these terms.
Source review: September 10, 2026
Maintenance: Within the scheduled review window
6 attached sources. A review date is not a guarantee that terms have stayed unchanged.
The stored field wording is preserved. Product-type-specific evidence follows this generic comparison where deeper structured research exists.
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| Decision factor | Punjab National Bank UPI — PNB ONE & BHIM PNB | SBI UPI — YONO SBI & BHIM SBI Pay |
|---|---|---|
| Payment / channel cost | No separate ordinary consumer UPI subscription fee is modeled from PNB's current public UPI/mobile pages. Account/card, telecom and any specialized product charges remain separate. | SBI’s reviewed UPI guidance does not model a separate consumer subscription fee for ordinary UPI use; underlying account, card, telecom/data and any separate service charges remain governed by their own terms. |
| Eligible funding source | Requires an eligible PNB or supported linked bank account for account-funded UPI. PNB ONE 2.0 also supports UPI Lite/Mandate/Credit Line functionality, while eligible PNB RuPay credit cards are a separate merchant-payment funding source. | Requires an eligible UPI-linked bank account and the registered mobile/device setup required by the chosen SBI/UPI channel. UPI Lite uses value loaded from the linked account rather than replacing the account relationship. |
| UPI capabilities | Current PNB ONE supports UPI registration, mobile/QR payments, approve-money requests, QR generation, transaction history and UPI blocking. PNB states PNB ONE 2.0 has complete UPI integration including Lite, Mandate and UPI Credit Line; PNB separately operates BHIM PNB and UPI 123PAY IVR. | YONO SBI/BHIM SBI Pay support UPI transfers and merchant payments; current SBI guidance also documents UPI Lite, verified-merchant higher limits and UPI safety controls. |
| UPI / security limits | PNB's current public PNB ONE/UPI pages reviewed in this wave do not publish one clean ordinary UPI daily value ceiling. A legacy PNB UPI terms page still states ₹50,000/day, so v1.37 does not present that older figure as a current universal limit without fresher controlling evidence. | Current SBI guidance states ₹1 lakh per transaction and per day for ordinary P2P/P2M after cooling, with up to 20 P2P transactions in 24 hours. Select verified merchant categories can use higher NPCI-enabled ceilings; current SBI material lists ₹2 lakh for insurance/capital markets and ₹5 lakh for IPO/Retail Direct/tax/hospital/education use cases. |
| Registration eligibility | PNB ONE supports self-onboarding through debit card, Aadhaar view credentials, Internet Banking credentials or branch mode. UPI requires eligible account/mobile registration; UPI 123PAY can set/use UPI PIN through the bank's IVR flow for supported users. | Eligible customers must complete UPI registration/device verification and set a UPI PIN through a supported SBI/UPI channel; actual availability can depend on account, mobile number, device and app support. |
| Payment / funding relationship | PNB ONE/BHIM PNB account-funded UPI, UPI Lite, UPI Credit Line, UPI 123PAY and PNB RuPay-credit-card-on-UPI are distinct funding/channel states. Card-funded UPI remains merchant-oriented and does not become P2P account transfer. | This is the deposit-account UPI payment layer attached to eligible SBI accounts. RuPay credit-card-on-UPI is a separate funding relationship governed by the card issuer, NPCI rules and customer/card limits. |
These fields come from each product's type-specific structured research, so service comparisons are not reduced to the same six generic rows.
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| Decision factor | Punjab National Bank UPI — PNB ONE & BHIM PNB | SBI UPI — YONO SBI & BHIM SBI Pay |
|---|---|---|
| App / channel | PNB ONE 2.0 and BHIM PNB for smartphone UPI; PNB also offers UPI 123PAY over IVR for eligible feature-phone/no-internet use and card-funded UPI for eligible PNB RuPay credit cards. | UPI through YONO SBI, BHIM SBI Pay and other supported UPI-compatible channels linked to an eligible SBI account. |
| Registration | PNB ONE self-onboarding can use debit card, Aadhaar-based view credentials, Internet Banking credentials or branch mode; UPI registration then links eligible account/mobile and establishes UPI PIN. UPI 123PAY provides a separate IVR account/PIN setup route. | Register the eligible account on the supported UPI channel using the bank-registered mobile/device process and establish the UPI PIN required for ordinary debit-account transactions. |
| Authentication | PNB ONE uses MPIN/biometric for app access and TPIN/OTP for bank transactions, while UPI flows use UPI PIN. PNB's 123PAY IVR can set a UPI PIN using debit-card details, ATM PIN and OTP when required. | Ordinary UPI uses UPI PIN/UPI security controls. Current SBI guidance states UPI Lite can make eligible small-value payments up to ₹1,000 without entering the UPI PIN. |
| Standard limits | No fresh universal PNB account-funded UPI daily ceiling is hard-coded from the 2026 public PNB ONE/UPI pages. The engine retains the older ₹50,000/day figure only as legacy evidence and requires the live PNB ONE/BHIM PNB control for current high-value usage. | After cooling, current SBI material states ₹1 lakh per transaction and ₹1 lakh per day for ordinary P2P/P2M, with a maximum 20 P2P transactions per 24 hours per account; P2M transaction count is governed by the value cap rather than the same 20-count rule. |
| Security cooling | No current PNB-specific first-registration/device-change UPI cooling amount is asserted from the reviewed 2026 source set. Live app/risk controls remain controlling. | After setting/resetting UPI PIN: Android first 24 hours ₹5,000 maximum transaction/cumulative day; iOS ₹5,000 per day for the first five days. SBI says these controls can change under NPCI/bank discretion. |
| UPI Lite | PNB's January 2026 results material states PNB ONE 2.0 supports UPI Lite. Current numeric system limits are kept at the RBI/NPCI framework (₹1,000 per transaction, ₹5,000 stored balance) rather than the bank's much older launch-era Lite material. | Current SBI page: up to ₹1,000 per UPI Lite payment without UPI PIN and ₹5,000 maximum Lite balance, consistent with the current RBI/NPCI framework. |
| RuPay credit-card UPI | PNB's current credit-card portal supports linking eligible PNB RuPay credit cards to listed UPI apps and paying merchant QR/online UPI flows using UPI PIN. The card-funded path is treated as P2M, not as a P2P/receive-funds account substitute. | Keep RuPay credit-card-on-UPI separate from SBI deposit-account UPI. NPCI restricts linked RuPay credit-card UPI primarily to eligible merchant flows and sets the usable amount to the lowest applicable issuer risk/card/customer limit rather than a guaranteed bank-account UPI ceiling. |
| AutoPay / mandates | PNB ONE 2.0 explicitly supports UPI Mandate. Mandates are stored as recurring authorization rather than being assigned the old PNB ONE generic mobile-banking limit. | UPI AutoPay/e-mandates are a separate recurring-payment authorization layer. NPCI supports pause, unpause, modify and revoke controls and generally sends a pre-debit notification before execution. |
| Failure / recovery | PNB ONE provides UPI transaction history and blocking. PNB's current UPI/123PAY pages publish bank support routes; card-linking issues use the card portal/customer-care path and ordinary payment disputes should follow the relevant UPI/app bank channel. | SBI advises using official channels for UPI support and safety; PIN reset/re-registration can itself trigger the documented cooling state, so restored access does not imply immediate steady-state limits. |
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Reviewed September 11, 2026 · 6 attached first-party sources
Reviewed September 10, 2026 · 6 attached first-party sources