India

Learn everything you need to know to make payouts in India with dLocal.

Market specifications

Take a look of all the information you need to make a payout.

Country reference Mandatory paramenters

Payment methods

Find all the information about payment methods capabilities.

Bank transfers UPI

Bank information

Find all the bank account validations details you need to make a payout.

Bank account validations Bank codes

Market specifications

Do you want to know more information about India's market? Go to the India’s economy and eCommerce market article.

country codecurrency codeamount decimalsdocument.type namedocument.id format
ININR2PAN10 characters (5 letters, 4 numbers, 1 letter)
Full PAN validation

Mandatory parameters

Bank transfers

Bank transfer parametersB2CB2BP2P
external_idYesYesYes
payment_method_idYesYesYes
flow_typeYesYesYes
purposeYesYesYes
countryYesYesYes
amountYesYesYes
currencyYesYesYes
beneficiary.first_nameYesYesYes
beneficiary.last_nameYesYesYes
beneficiary.emailYesYesYes
beneficiary.phoneYesYesYes
beneficiary.address.streetYesYesYes
beneficiary.bank_account.codeYesYesYes
beneficiary.bank_account.branchYesYesYes
beneficiary.bank_account.accountYesYesYes
remitter.first_name--Yes
remitter.last_name--Yes
remitter.birth_info.date--Yes
remitter.nationality--Yes
remitter.document.id--Yes
remitter.document.type--Yes
remitter.address.street--Yes
remitter.address.city--Yes
remitter.address.country--Yes

UPI

UPI parametersB2CB2BP2P
external_idYesYesYes
payment_method_idYesYesYes
flow_typeYesYesYes
purposeYesYesYes
countryYesYesYes
amountYesYesYes
currencyYesYesYes
beneficiary.first_nameYesYesYes
beneficiary.last_nameYesYesYes
beneficiary.emailYesYesYes
beneficiary.phoneYesYesYes
beneficiary.address.streetYesYesYes
beneficiary.instant_payment.typeYesYesYes
beneficiary.instant_payment.idYesYesYes
remitter.first_name--Yes
remitter.last_name--Yes
remitter.birth_info.date--Yes
remitter.nationality--Yes
remitter.document.id--Yes
remitter.document.type--Yes
remitter.address.street--Yes
remitter.address.city--Yes
remitter.address.country--Yes

Payment methods

India supports payouts via Bank Transfers and UPI. Each method requires specific parameters and follows validation rules aligned with local compliance and banking standards.

Use UPI for instant payments via a virtual payment address. Use Bank transfers when sending funds directly to a bank account.

Bank Transfers

Bank Transfers in India require detailed account information, including bank code (if not IFSC), bank branch (IFSC), bank account, amount, address, email, and phone. The format of these fields depends on the receiving bank, and strict validation rules apply.

Refer to the bank branch validation and bank codes sections for format specifications.

Mandatory parameters

All fields listed below are required for bank transfer payouts. For successful processing, ensure correct formatting and value types.

Mandatory parameterDescription
external_idPayout identification at the merchant's end. Maximum 100 characters.
payment_method_idPayment method. For bank transfers, use BANK_TRANSFER.
flow_typePayout flow type. Valid values: B2C (Business to Consumer), B2B (Business to Business), or P2P (Person to Person).
purposePayout purpose code. See purpose codes reference.
countryCountry code. For India, use IN.
amountPayout amount (in the currency set in the currency field). Use up to 2 decimal numbers.
currencyPayout currency. For India, use INR or USD.
beneficiary.first_nameBeneficiary's first name. Maximum 50 characters.
beneficiary.last_nameBeneficiary's last name. Only applies when the beneficiary is an individual. Maximum 50 characters.
beneficiary.emailBeneficiary's email. 100 characters.
beneficiary.phoneBeneficiary's phone number. Maximum 20 characters.
beneficiary.address.streetBeneficiary's address street. 200 characters.
beneficiary.bank_account.codeBeneficiary's bank account code. See bank codes below. Only mandatory if bank_branch is not IFSC.
beneficiary.bank_account.branchBeneficiary's bank account branch. See bank branch validation below.
beneficiary.bank_account.accountBeneficiary's bank account number. Maximum 45 characters.
remitter.first_nameRemitter's first name. Maximum 50 characters. Mandatory only for remittance (P2P).
remitter.last_nameRemitter's last name. Maximum 50 characters. Mandatory only for remittance (P2P).
remitter.birth_info.dateRemitter's birthdate. Format: YYYY-MM-DD. Mandatory only for remittance (P2P).
remitter.nationalityRemitter's nationality. ISO 3166-1 alpha-2 code. Mandatory only for remittance (P2P).
remitter.document.idRemitter's document. Maximum 45 characters. Mandatory only for remittance (P2P).
remitter.document.typeRemitter's document type: ID for national identification number, PASS for passport. Mandatory only for remittance (P2P).
remitter.address.streetRemitter's address street. Maximum 200 characters. Mandatory only for remittance (P2P).
remitter.address.cityRemitter's address city. Maximum 40 characters. Mandatory only for remittance (P2P).
remitter.address.countryRemitter's address country. ISO 3166-1 alpha-2 code.. Mandatory only for remittance (P2P).

Example request

{
  "external_id": "1234567812345678b",
  "payment_method_id": "BANK_TRANSFER",
  "flow_type": "B2C",
  "country": "IN",
  "amount": 2064,
  "currency": "INR",
  "purpose": "OTHER_SERVICES",
  "description": "this is the 1st comment",
  "notification_url": "https://thisisawebsite.net/payments",
  "beneficiary": {
    "first_name": "RUDRAH",
    "last_name": "HASHIMI",
    "address": {
      "street": "Kailash Colony Market, HS-10"
    },
    "email": "[email protected]",
    "phone": "+91123456789",
    "bank_account": {
      "branch": "SBIN0007440",
      "account": "12345678912"
    }
  },
  "metadata": {
    "this_is_extra": 2334
  }
}

UPI

UPI (Unified Payments Interface) is an instant real-time payment system developed by the National Payments Corporation of India (NPCI). It allows users to link multiple bank accounts into a single mobile application and make transactions via a virtual payment address (VPA).

Mandatory parameters

The table below outlines the required parameters for UPI transfers.

Mandatory parameterDescription
external_idPayout identification at the merchant's end. Maximum 100 characters.
payment_method_idPayment method. For UPI transfers, use INSTANT_PAYMENT.
flow_typePayout flow type. Valid values: B2C (Business to Consumer), B2B (Business to Business), or P2P (Person to Person).
purposePayout purpose code. See purpose codes reference.
countryCountry code. For India, use IN.
amountPayout amount (in the currency set in the currency field). Use up to 2 decimal places.
currencyPayout currency. For India, use INR or USD.
beneficiary.first_nameFirst name of the beneficiary. Maximum 50 characters.
beneficiary.last_nameLast name of the beneficiary. Maximum 50 characters.
beneficiary.emailEmail address. Maximum 100 characters.
beneficiary.phonePhone number of the beneficiary. Maximum 20 characters.
beneficiary.address.streetFull address. Maximum 200 characters.
beneficiary.instant_payment.idBeneficiary's wallet ID. Maximum 45 characters.
beneficiary.instant_payment.typeBeneficiary's instant payment account type. Fixed value: UPI.
remitter.first_nameRemitter's first name. Maximum 50 characters. Mandatory only for remittance (P2P).
remitter.last_nameRemitter's last name. Maximum 50 characters. Mandatory only for remittance (P2P).
remitter.birth_info.dateRemitter's birthdate. Format: YYYY-MM-DD. Mandatory only for remittance (P2P).
remitter.nationalityRemitter's nationality. ISO 3166-1 alpha-2 code. Mandatory only for remittance (P2P).
remitter.document.idRemitter's document. Maximum 45 characters. Mandatory only for remittance (P2P).
remitter.document.typeRemitter's document type: ID for national identification number, PASS for passport. Mandatory only for remittance (P2P).
remitter.addressRemitter address information. Maximum 200 characters. Mandatory only for remittance (P2P).
remitter.address.cityRemitter's address city. Maximum 40 characters. Mandatory only for remittance (P2P).
remitter.address.countryRemitter's address country. ISO 3166-1 alpha-2 code. Mandatory only for remittance (P2P).

Example request

{
  "external_id": "1234567812345678b",
  "payment_method_id": "INSTANT_PAYMENT",
  "flow_type": "B2C",
  "country": "IN",
  "amount": 204,
  "currency": "INR",
  "purpose": "OTHER_SERVICES",
  "notification_url": "https://thisisawebsite.net/payments",
  "beneficiary": {
    "first_name": "RUDRAH",
    "last_name": "HASHIMI",
    "address": {
      "street": "Kailash Colony Market, HS-10"
    },
    "email": "[email protected]",
    "phone": "+91 123456789",
    "instant_payment": {
      "type": "UPI",
      "id": "abc@defg"
    }
  }
}

Bank information

Access the reference formats and accepted values required for processing bank payouts in India.


Bank branch validation


NameTypeLengthFormatDetailsVerification digitValidationExample
IFSCAlphanumeric11AAAA0XXXXXXA -> alphabetic 0 -> Zero X -> AlphanumericNoValidated through the list of valid IFSCs published by the RTGS and the NEFTINDB0000018

Bank codes


We support all banks regulated by the Reserve Bank of India (RBI).

Bank NameBank Code
Abhyudaya Coop Bank001
Abu Dhabi Commercial Bank003
Airtel Payments Bank Limited005
Akola Janata Commercial Cooperative Bank006
Allahabad Bank007
Almora Urban Co-Operative Bank Ltd.015
Andhra Pragati Grameen Bank012
Apna Sahakari Bank Ltd.014
Australia & New Zealand Bank010
Axis Bank172
B N Paribas Bank026
Bandhan Bank Limited022
Bank of America027
Bank of Bahrein & Kuwait019
Bank of Baroda017
Bank of Ceylon021
Bank of India024
Bank of Maharashtra099
Bank of Tokyo-Mitsubishi028
Barclays Bank018
Bassein Catholic Co-Op Bank016
Bharatiya Mahila Bank Limited025
Canara Bank035
Capital Local Area Bank Ltd.034
Catholic Syrian Bank041
Central Bank of India029
Chhatrapati Rajarshishahu Coop Bank040
Chinatrust Commercial Bank043
Citi Bank032
Citizen Credit Coop Bank030
City Union Bank033
Commonwealth Bk of Australia042
Corporation Bank036
Credit Agricole Corp N Invsmnt Bk039
Credit Suisse Ag?038
Dena Bank023
Deogiri Nagari Sahakari Bank Ltd. Aurangabad046
Deutsche Bank047
Development Bank of Singapore044
Development Credit Bank045
Dhanalaxmi Bank050
DICGC048
Doha Bank Qsc052
Dombivli Nagari Sahakari Bank Ltd.051
Equitas Small Finance Bank Limited054
Export Import Bank of India053
Firstrand Bank056
Gurgaon Gramin Bank Ltd.059
HDFC Bank Ltd.062
Himachal Pradesh State Cooperative Bank Ltd.063
Hong Kong & Shanghai Bank064
ICICI Bank Ltd.070
IDBI Bank067
IDFC Bank Limited071
Idukki District Co Operative Bank Ltd.073
Indian Bank072
Indian Overseas Bank075
Indus-Ind Bank074
Industrial And Commercial Bank of China Limited069
Industrial Bank of Korea068
Ing Vysya Bank177
Jalgaon Janata Sahakari079
Janaseva Sahakari Bank Borivli Limited078
Janata Sahakari Bank Ltd. (Pune)082
Jankalyan Shakari Bank081
Janseva Shahkari Bank Ltd. Pune077
JP Morgan Chase Bank031
Kallappanna Awade Ich Janata S084
Kapole Bank087
Karnataka Bank086
Karnataka Gramin Vikas Bank097
Karur Vysya Bank096
Keb Hana Bank094
Kerala Gramin Bank091
Kotak Mahindra Bank090
Mahanagar Coop Bank101
Maharashtra Gramin Bank100
Maharashtra State Cooperative Bank104
Mashreq Bank105
Mizuho Corporate Bank Ltd.103
Mumbai District Central Co-Op Bank102
Nagar Urban Co Operative Bank118
Nagpur Nagrik (Nnsb Ltd.*)110
National Australia Bank Limited108
National Bank of Abu Dhabi PJSC109
New India Co-Operative Bank111
NKGSB Bank112
North Malbar Gramin Bank114
Nutan Nagarik Sahakari Bank115
Oman International Bank119
Parsik Janata Sahakari Bank121
Paytm Payments Bank Ltd.183
Pragathi Krishna Gramin Bank122
Prathama Bank125
Prime Co Operative Bank Ltd.124
PT Bank Maybank Indonesia TBK066
Punjab And Maharashtra Co-Op Bank123
Punjab And Sind Bank126
Punjab National Bank128
Rabobank International (CCRB)129
Rajgurunagar Sahakari Bank Limited133
Rajkot Nagarik Sahakari Bank Ltd.132
Reserve Bank of India131
Sahebrao Deshmukh Cooperative Bank Limited136
Samarth Sahakari Bank Ltd.141
Sberbank135
Shikshak Sahakari Bank Limited146
Shinhan Bank145
Shivalik Mercantile Co Operative Bank Ltd.150
Societe Generale151
Solapur Janata Sahakari Bank Limited148
South Indian Bank147
Standard Chartered Bank143
State Bank of Hyderabad138
State Bank of India139
State Bank of Mauritius155
State Bank of Mysore140
State Bank of Patiala154
State Bank of Travancore142
Sumitomo Mitsui Banking Corporation149
Surat National Cooperative Bank Limited156
Syndicate Bank160
Tamilnadu Merc. Bank165
Thane Bharat Sahakari Bank Ltd.161
The A.P. Mahesh Co-Op Urban Bank013
The Ahmedabad Merc Coop Bank008
The Akola District Central Cooperative Bank004
The Andhra Pradesh State Coop Bank011
The Bank of Nova Scotia116
The Bharat Cooperative Bank020
The Cosmos Co-Op. Bank037
The Delhi State Cooperative Bank Limited049
The Federal Bank055
The Gadchiroli District Central Cooperative Bank Limited058
The Greater Bombay Co-Op. Bank Ltd.057
The Gujarat State Co-Operative Bank060
The Hasti Coop Bank Ltd.061
The Jalgaon Peopels Cooperative Bank Limited080
The Jammu & Kashmir Bank076
The Kalupur Comm Coop Bank088
The Kalyan Janata Sahakari Bank089
The Kangra Central Cooperative Bank083
The Kangra Cooperative Bank Ltd.085
The Karad Urban Coop Bank Ltd.095
The Karnataka State Coop Apex Bank093
The Kurmanchal Nagar Sahakari Bank Limited092
The Lakshmi Vilas Bank098
The Mehsana Urban Cooperative Bank106
The Municipal Co Operative Bank Ltd.107
The Nainital Bank Ltd.117
The Nasik Merchants Co-Op Bank Ltd.113
The Pandharpur Urban Co Op. Bank Ltd. Pandharpur127
The Rajasthan State Co-Op Bank134
The Ratnakar Bank130
The Royal Bank of Scotland002
The Saraswat Co-Operative Bank153
The Seva Vikas Cooperative Bank Limited158
The Shamrao Vithal Coop Bank159
The Surat District Co-Op Ban144
The Surat People's Co-Op Bank152
The Sutex Cooperative Bank157
The Tamildadu State Apex Coop Bank166
The Thane District Central Cooperative Bank Limited162
The Thane Janata Sahakari Bank164
The Varachha Co-Op. Bank Ltd.173
The Vishweshwar Sahakari Bank Ltd.175
The West Bengal State Co-Op Bank178
The Zoroastrian Cooperative Bank Limited181
Tumkur Grain Merchants Co-Op Bank163
UBS AG168
UCO Bank169
Union Bank of India167
United Bank of India171
United Overseas Bank Limited170
Vasai Vikas Sahakari Bank176
Vijaya Bank174
Westpac Banking Corporation179
Woori065
Yes Bank180
Zila Sahakri Bank Limited Ghaziabad182