To create a UPI number on Kotak app, click on BHIM UPI section under Pay & Transfer menu, select manage UPI ID & click on create now. Note: 10 digit UPI Number can only be your registered Mobile Number UPI Number cannot begin with ‘0’ All the digits of the UPI Number cannot be the same. Ex: 11111111 3 similar digits cannot be used at the end of UPI Number. Ex: XXXXX111