Tweet I was able to do transaction using HDFC UPI. HDFC has integrated UPI into their main app (no seperate app for UPI). HDFC has published guidelines to create UPI address from their app. I was able to create UPA within 1 minute, and also able to transfer money (tested with Rs 10) to friends UPI account on ICICI within few seconds (in just 1-2 seconds we both got sms about money sent and received). It was indeed very simple and fast process.