> For the complete documentation index, see [llms.txt](https://docs.tutelar.io/tutelar-api-document/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.tutelar.io/tutelar-api-document/tutelar-api-document-v2/kyc-verification/assets-verification/india/upi-to-account-penny-drop.md).

# UPI To Account - Penny Drop

Fetch Bank Account by UPI is a secure service that enables businesses to retrieve detailed bank account information linked to a VPA. This service returns VPA (Virtual Payment Address), account holder name, account number, and IFSC, ensuring accurate payroll processing, financial transactions, and KYC verification. Designed for fintech platforms, digital lenders, and enterprises, this API enhances fraud prevention and compliance by validating bank account ownership before initiating payments..

## upi\_to\_account

<mark style="color:green;">`POST`</mark> `https://secctrl.tutelar.io/api/v2/kyc/banking/upi_to_account`

### Header

| Name          | Value                     |
| ------------- | ------------------------- |
| Content-Type  | `application/json`        |
| Authorization | `Bearer eyJhbGciOiJ.....` |

### Post parameters description is given below,

<table><thead><tr><th width="197">Post Parameter </th><th width="139">Type</th><th>Is  Mandatory</th><th>Description</th></tr></thead><tbody><tr><td>upiId</td><td>String</td><td>Yes</td><td>UPI ID is a unique digital address</td></tr></tbody></table>

#### Sample Post Parameters

```json
{
    "upiId": "abc@exampleupi"
}
```

{% tabs %}
{% tab title="200: Success Response" %}

```json
{
    "success": true,
    "code": 200,
    "message": "The request has been successfully completed.",
    "reference_id": "2966939f-d987-48a8-a233-70138acb4235",
    "status": "completed",
    "result": {
        "message": "SUCCESS",
        "name": "ABCD JOHN A",
        "account_number": "0000888666999",
        "ifsc_code": "CNRB0000001",
        "upi_id": "abc@exampleupi"
    },
    "requested_at": "2026-07-27T10:30:05.550Z",
    "completed_at": "2026-07-27T10:30:09.688Z"
}
```

{% endtab %}

{% tab title="200: InProgress Response" %}

```json
{
    "success": true,
    "code": 200,
    "message": "The request is being processed. Please wait for completion.",
    "reference_id": "2966939f-d987-48a8-a233-70138acb4235",
    "status": "in_progress",
    "requested_at": "2026-07-27T10:30:05.550Z",
}
```

{% endtab %}

{% tab title="400: Validation Error Response " %}

```json
{
    "success": false,
    "code": 400,
    "message": "Invalid UPI ID format",
    "error": {
        "message": "Invalid UPI ID format",
        "field": "upiId",
        "code": "BAD_REQUEST"
    }
}
```

{% endtab %}

{% tab title="200: Failure Response" %}

```json
{
    "success": true,
    "code": 200,
    "message": "The request could not be completed due to an error.",
    "reference_id": "baf50b46-c135-4114-82ce-764f86e552e0",
    "status": "failed",
    "error": {
        "message": "The source system is experiencing down time.",
        "code": "SOURCE_DOWN"
    },
    "requested_at": "2026-07-27T11:38:57.535Z",
    "completed_at": "2026-07-27T11:39:01.714Z"
}
```

{% endtab %}
{% endtabs %}

#### Check Api Status

## &#x20;Get account details

This Get details API using to fetch the latest updated response when the above API gave the status as in-progress by using the reference\_id

<mark style="color:blue;">`GET`</mark> `https://secctrl.tutelar.io/api/v2/kyc/banking/upi_to_account`

### Query parameters description is given below,

<table><thead><tr><th width="197">Query Parameter </th><th width="139">Type</th><th>Is  Mandatory</th><th>Description</th></tr></thead><tbody><tr><td>reference_id </td><td>String </td><td>Yes </td><td>Document reference id</td></tr></tbody></table>

{% tabs %}
{% tab title="200: Success Response" %}

```json
{
    "success": true,
    "code": 200,
    "message": "The request has been successfully completed.",
    "reference_id": "2966939f-d987-48a8-a233-70138acb4235",
    "status": "completed",
    "result": {
        "message": "SUCCESS",
        "name": "ABCD JOHN A",
        "account_number": "0000888666999",
        "ifsc_code": "CNRB0000001",
        "upi_id": "abc@exampleupi"
    },
    "requested_at": "2026-07-27T10:30:05.550Z",
    "completed_at": "2026-07-27T10:30:09.688Z"
}
```

{% endtab %}

{% tab title="200: InProgress Response" %}

```json
{
    "success": true,
    "code": 200,
    "message": "The request is being processed. Please wait for completion.",
    "reference_id": "2966939f-d987-48a8-a233-70138acb4235",
    "status": "in_progress",
    "requested_at": "2026-07-27T10:30:05.550Z",
}
```

{% endtab %}

{% tab title="200: Failure Response" %}

```json
{
    "success": true,
    "code": 200,
    "message": "The request could not be completed due to an error.",
    "reference_id": "baf50b46-c135-4114-82ce-764f86e552e0",
    "status": "failed",
    "error": {
        "message": "The source system is experiencing down time.",
        "code": "SOURCE_DOWN"
    },
    "requested_at": "2026-07-27T11:38:57.535Z",
    "completed_at": "2026-07-27T11:39:01.714Z"
}
```

{% endtab %}
{% endtabs %}