UPI Transaction Databases

 

Broad categories of data generated

1. Identity Data
   • Name
   • UPI ID (VPA)
   • Mobile number
   • Bank account identifiers
   • Merchant identifiers
2. Financial Data
   • Amount
   • Currency
   • Settlement details
   • Mandate information
3. Transaction Data
   • UTR
   • Transaction ID
   • Timestamp
   • Status
   • Purpose
   • Remarks
4. Merchant Data
   • Merchant name
   • Merchant ID
   • MCC
   • Invoice number
   • QR information
5. Technical Data
   • Device ID
   • App ID
   • IP address
   • Device fingerprint
   • Operating system
   • SIM details
6. Security & Compliance Data
   • Authentication method
   • Fraud scores
   • Risk indicators
   • AML monitoring
   • Velocity checks
   • Audit logs
7. Location Data (where available)
   • GPS coordinates (if the app has permission)
   • Merchant location
   • Network location
   • Time zone

This table reflects the logical information associated with UPI transactions. Not every field is exposed to every participant, and many internal fields (such as fraud scores, routing metadata, or compliance flags) are used only by banks, payment service providers, or the UPI network for security, routing, settlement, and regulatory purposes.

===================================================================

Data available to different participants

Participant	Typical Data Available
Payer	Amount, payee name, UPI ID, date/time, UTR, remarks, status, merchant name, invoice (if any)
Payee	Amount, payer name, payer UPI ID, UTR, date/time, remarks, status
Payer Bank	Full customer profile, linked accounts, authentication details, device details, transaction history
Payee Bank	Beneficiary account details, merchant information, settlement information
UPI App (PSP)	Transaction metadata, device information, app usage, fraud indicators, consent records
NPCI Switch	Routing information, transaction identifiers, participating banks, timestamps, settlement data, network-level monitoring information
Merchant	Amount, customer UPI ID (or masked identifier depending on integration), merchant reference, invoice, payment status, timestamp ======================================================= Below is a comprehensive reference table covering the major UPI transaction types and the principal data elements typically generated, exchanged, or stored during a transaction. The exact fields can vary depending on the bank, UPI app, merchant integration, and specific NPCI message format, but this captures the information commonly involved. Data Element P2P (UPI ID) P2P (Mobile No.) P2M (Merchant) QR Payment Collect Request AutoPay Account + IFSC UPI Lite Transaction ID (UTR) ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ UPI Transaction Reference ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ Date ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ Time ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ Amount ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ Currency ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ Transaction Status ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ Payer Name ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ Payee Name ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ Payer UPI ID ✓ Optional ✓ ✓ ✓ ✓ Optional ✓ Payee UPI ID ✓ ✓ ✓ ✓ ✓ ✓ Optional ✓ Payer Mobile Number Optional ✓ Optional Optional Optional Optional Optional Optional Payee Mobile Number Optional ✓ Optional Optional Optional Optional Optional Optional Payer Bank Name ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ Payee Bank Name ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ Payer Account Number (masked) Internal Internal Internal Internal Internal Internal ✓ Internal Payee Account Number (masked) Internal Internal Internal Internal Internal Internal ✓ Internal IFSC Code Internal Internal Internal Internal Internal Internal ✓ Internal Merchant Name — — ✓ ✓ Optional ✓ — Optional Merchant ID — — ✓ ✓ Optional ✓ — Optional Merchant Category Code (MCC) — — ✓ ✓ Optional ✓ — Optional QR Code ID — — Optional ✓ — — — — QR Type (Static/Dynamic) — — Optional ✓ — — — — Invoice Number — — Optional ✓ Optional Optional — — Bill Number — — Optional Optional ✓ Optional — — Purpose Code Optional Optional ✓ ✓ ✓ ✓ Optional Optional Remarks ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ Mandate ID — — — — — ✓ — — Mandate Frequency — — — — — ✓ — — Mandate Start Date — — — — — ✓ — — Mandate End Date — — — — — ✓ — — Maximum Mandate Amount — — — — — ✓ — — Debit Authentication Time — — — — — ✓ — — Device ID Internal Internal Internal Internal Internal Internal Internal Internal App ID Internal Internal Internal Internal Internal Internal Internal Internal OS Version Internal Internal Internal Internal Internal Internal Internal Internal IP Address Internal Internal Internal Internal Internal Internal Internal Internal SIM Identifier Internal Internal Internal Internal Internal Internal Internal Internal Device Fingerprint Internal Internal Internal Internal Internal Internal Internal Internal GPS Location (if permitted) Optional Optional Optional Optional Optional Optional Optional Optional Authentication Method (PIN/Biometric) ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ PSP App Name ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ PSP Identifier ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ Issuer Bank ID ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ Acquirer Bank ID ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ NPCI Routing Details Internal Internal Internal Internal Internal Internal Internal Internal Settlement Batch Details Internal Internal Internal Internal Internal Internal Internal Internal Fraud Risk Score Internal Internal Internal Internal Internal Internal Internal Internal Velocity Checks Internal Internal Internal Internal Internal Internal Internal Internal AML / Compliance Flags Internal Internal Internal Internal Internal Internal Internal Internal Chargeback / Dispute Reference Optional Optional Optional Optional Optional Optional Optio

Dear Shri Modiji : Time to upgrade from your Videos

 

Proposal: 

Launching "NaMo.ai" as a Proactive Governance Engine for India

==================================================

Respected Prime Minister Shri Modiji,

I am writing to you today with a sense of urgency and opportunity, following the

 recent development in Malaysia where Prime Minister Anwar Ibrahim has officially

 launched PMX.AI, an AI-powered virtual avatar. This development marks a

 significant global shift toward using "digital twins" of national leaders for direct

 public engagement.

For the past three years, I have been humbly requesting your office to launch

www.NaMo.ai, a platform that would allow our citizens to interact with your

 digital persona 24x365. While the Malaysian model is a commendable first step,

 India has the opportunity to go much further.

I have recently detailed a "transformative digital initiative" for our nation in my

 latest blog post:

Proposal for a Transformative Digital Initiative: The "NaMo.ai" Platform.

Why India Needs a Proactive Governance Engine:

While PMX.AI focuses on answering questions and gathering feedback,

www.NaMo.ai can be the world’s first Proactive Governance Engine. My

 proposal outlines features that would leapfrog existing global initiatives:

• Proactive Welfare Delivery: 
• Rather than waiting for citizens to search for schemes, the AI will use Aadhaar
•  and DigiLocker records (with explicit consent) to proactively identify schemes
•  a citizen is eligible for and notify them instantly.
• 
  
• "Ease of Living" Monitoring: 
• By analyzing anonymized interaction data, the platform will act as a real-time
•  monitor for governance, identifying exactly where administrative bottlenecks
•  exist.
• 
  
• Pan-Indian Multilingual Voice Support: 
• An interactive 3D avatar capable of conversing in all major Indian languages,
•  providing a "Sahastravdhani" capability to talk to thousands of citizens
•  simultaneously.
• 
  
• Continuous Learning: 
• The platform will evolve by training on your latest speeches, writings, and
•  government policies, ensuring it remains the most authentic digital extension
•  of your vision.
• 
  

As you have often said, "No matter what the world does with AI, it will remain

 incomplete without India." 

By launching www.NaMo.ai, we would not only

 demonstrate our global leadership in technology but also transform our

 government into a proactive partner in every citizen’s progress.

I remain available and eager to discuss how we can bring this vision of a truly

 "Atmanirbhar" and responsive platform to life.

With respect and best wishes,

Hemen Parekh

www.ntaNEET.net  /  www.My-Teacher.in 

---

Sources

#	Title	Date	About
1	Proposal for a Transformative Digital Initiative: The "NaMo.ai" Platform	2026-07-01	A proposal for a proactive AI platform for India's governance.