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UPI is a banking system for money transfers on payment apps. To add a bank account to Google Pay / PhonePe / Paytm , your bank must work with UPI..
Open the Paytm application on your phone, and click on your profile picture displayed on the top left corner of your main screen
Right when you click on it, your UPI ID and your QR code for receiving any payments will be visible on the screen
You can simply copy the UPI ID from the option beside your UPI ID and share it!

