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To apply for an Indian public issue, submit your bid through an eligible bank ASBA channel or an eligible intermediary such as a registered broker, then authorize the application amount through your bank or UPI when required. The money is normally blocked in your own bank account rather than sent immediately to the issuer. After allotment, the amount due for allotted shares is debited and any excess is released.
The key distinction is that the broker may collect and transmit your bid, while your bank or UPI app performs the funds authorization. A broker submission is not necessarily complete until the valid UPI mandate has been approved.
What you need before starting
Check the live offer document and the issuer or exchange information before entering anything. The official issue materials provide the opening and closing dates, price band, lot size, investor categories, permitted channels and other conditions. The process guidance below explains how applications work; it does not provide a live IPO calendar or replace issue-specific instructions.
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1Repair Windows errors before they cause bigger problems2Fix the driver behind crashes, sound loss and screen glitches3Clear out junk files and repair common Windows errors- An eligible investor category for the issue. The UPI route described by SEBI is for retail individual investors; verify your category in the current issue documents.
- Your own PAN and demat-account details, entered exactly as required by the application.
- Your own eligible bank account with enough available balance for the proposed bid.
- For a UPI application, a UPI ID linked to that same eligible bank account and an active UPI app.
- Access to the current ASBA page of your bank if you are applying through net banking.
Do not assume that every bank, broker, UPI app, or investor category is enabled for every issue. SEBI maintains eligibility requirements, and the issue documents control the details for that offer.
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Broker, UPI and net banking: what each route does
| Route | Where you enter the bid | How funds are handled | What you must remember |
|---|---|---|---|
| Bank ASBA through net banking | Your eligible bank’s IPO or ASBA section | The bid amount is blocked in the bank account until allotment; the amount due is debited if shares are allotted. | Menu names and screens vary by bank. Follow that bank’s current IPO/ASBA instructions and confirm that it is an eligible channel for the issue. |
| Broker or other permitted intermediary with UPI | The intermediary’s public-issue application screen | After you approve the sponsor-bank mandate in your UPI app, the bid amount is blocked. The allotted amount is debited and unused funds are released. | Submitting the bid and authorizing the block are separate actions. A bid can remain incomplete if the mandate is not approved. |
| Direct bank ASBA channel | An eligible bank or SCSB channel where the issue permits it | Funds remain in your account but are blocked pending allotment. | Confirm both bank and issue eligibility before submitting. |
SEBI’s investor guidance describes ASBA as a process in which money up to the value of the applied shares is blocked but remains in the investor’s account until allotment. See SEBI’s ASBA explanation. For intermediary-submitted UPI applications, the SEBI UPI guidance explains the mandate, debit and release process.
How to apply through a broker using UPI
1. Select the issue and enter the bid
Open the public-issue or IPO area of your eligible broker or other permitted intermediary. Select the issue that is currently open, then enter the investor’s PAN, demat details, category, quantity or lots and bid price as requested by the live application form. Use the price-band and lot-size information in the offer document rather than relying on an old screen or an advertisement.
Enter the UPI ID belonging to the bank account that will provide the application funds. Check every character before submitting. The intermediary transmits the bid and UPI ID into the public-issue process; it does not itself replace the bank’s authorization.
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The sponsor bank sends a request to block the application amount. Open the UPI app associated with the submitted UPI ID and look for the public-issue mandate. Provider labels and notification behavior can change, so use the app’s current pending-mandate or mandate section if a push notification is not visible. Do not treat a broker confirmation alone as proof that the funds have been blocked.
3. Review and approve the mandate
Check the issue name, investor information, amount and validity shown in the mandate. Approve it in the UPI app using your UPI PIN. Never disclose that PIN, an OTP or a banking password to a broker, caller or anyone claiming to complete the application. A legitimate authorization is completed inside your own bank or UPI interface.
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Once the valid mandate is authorized, the amount is blocked in the linked bank account. The balance may still appear in the account, but the blocked amount is not freely available for other uses. The exact display and status wording depend on the bank and UPI provider.
4. Verify the application status
Check the broker’s current order or IPO section and the UPI app’s mandate status. There is no single provider-neutral status path or guaranteed notification time. If the bid appears submitted but the mandate is pending, open the UPI app and complete the authorization before the issue’s stated deadline. If no mandate appears, verify that the UPI ID was entered correctly and contact the relevant intermediary or bank through its official support channel.
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How to apply through net banking ASBA
1. Open your bank’s current ASBA page
Sign in to the official website or app of an eligible bank and locate its IPO, ASBA or public-issue area. Banks use different menu names and may expose different issue lists. The retrieved SEBI guidance confirms the ASBA mechanism but does not establish a universal screen sequence for every bank, so follow the instructions shown by your bank for that issue.
2. Choose the open issue and investor category
Select the correct issue from the bank’s available list. Confirm the offer dates, price band, lot size and category in the live offer document. Choose the category that actually applies to you; do not use a reserved category merely because it is visible in the menu.
3. Complete the application details
Enter the required PAN, demat account, quantity or lots, bid price and other fields in the bank’s form. The exact checklist can vary by issue and category. Review the account from which the bank will block funds and ensure the details match the applicant’s identity and demat records.
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4. Submit and authorize the block
Use the bank’s confirmation step to submit the ASBA request. The bank places a block for the application amount in the account instead of transferring the full amount away at the time of application. Save the acknowledgement or reference number shown by the bank.
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5. Check the bank’s status tools
Use the bank’s current application-history or ASBA-status function where available. Since banks do not use one common interface, do not rely on a menu name or notification schedule from another bank. Keep the acknowledgement until allotment and release of unused funds are complete.
What happens to your money?
At application
Applying does not generally mean that the full bid amount is immediately paid to the issuer. Under ASBA, the amount corresponding to the application is blocked in your bank account and remains there until allotment. Under UPI, the block occurs after you approve the sponsor-bank mandate.
When shares are allotted
The amount payable for the shares actually allotted is debited from the blocked funds. If fewer shares are allotted than requested, only the amount due for those shares is taken, subject to the issue’s rules.
When you receive no or only partial allotment
Unused or excess funds are released. When no shares are allotted through ASBA, a conventional refund is not required because the money stayed in your account as a block rather than being transferred away. UPI guidance likewise describes release of excess funds after allotment. Neither the general process guidance nor the issue materials cited here establish one universal release time, so do not rely on a promised number of hours or days.
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Eligibility and limits you must check
Retail UPI limit
SEBI’s investor UPI page states a limit of ₹5 lakh per transaction for UPI IPO applications by retail individual investors. The page does not establish that this figure applies to every investor category or future rule change. Confirm the current limit and your category in the live issue documents and current SEBI requirements before bidding.
Permitted submission channels
SEBI’s guidance identifies permitted channels including syndicate members, registered stock brokers, registrars and transfer agents, and depository participants. Use an intermediary that is permitted for the issue and appears in the current eligible lists. The September 24, 2024 SEBI circular provides regulatory context for individual investors using UPI through intermediaries.
Use your own bank account and UPI ID
SEBI states that an application using a third party’s UPI ID or another person’s bank account will not be considered for allocation. The applicant, PAN, demat account, bank account and UPI authorization therefore need to satisfy the issue’s identity and eligibility requirements. Do not ask a family member or friend to authorize the block for you.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.Common problems and what to do
The broker says submitted, but no UPI mandate appears
- Confirm that the UPI ID was typed correctly and belongs to the bank account you intended to use.
- Open the UPI app’s pending-mandate area rather than relying only on a push notification.
- Check whether the issue is still open and whether the request has expired.
- Contact the broker or bank through its official support route; do not authorize an unexpected request from an unknown app or account.
The mandate is visible but the amount or issue is wrong
Do not approve a mandate with incorrect details. Reject or let it expire according to the app’s controls, then ask the submitting intermediary how to correct the bid. A new application may be subject to the issue’s deadline and modification rules.
The application is rejected because of account details
Recheck PAN, demat information, investor category, bank account ownership and UPI identity against the live form. A third-party account or UPI ID is not an acceptable workaround. If the details are correct but the status remains unclear, retain the application reference and request a status explanation from the bank, broker or registrar.
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The bank balance looks unchanged
A block can leave the amount visible in the account while reducing the funds available for other transactions. Look for the bank’s lien, hold or blocked-funds entry and compare it with the mandate status. Do not submit a duplicate application merely because the balance display has not changed.
The issue closes before authorization
Intermediary submission and UPI authorization are separate steps. If the mandate was not approved within the permitted window, the application may not be treated as complete. Contact the intermediary promptly, but do not assume that a late authorization will be accepted.
Security practices for IPO applications
- Start from the official bank, broker, exchange, issuer or SEBI website rather than a link sent in a message.
- Authorize a mandate only after checking its issue name, amount and applicant details.
- Enter your UPI PIN only on the UPI app’s own authorization screen. No intermediary needs to know it.
- Never share an OTP, UPI PIN, card PIN, net-banking password or full login credentials with someone offering to complete an application.
- Keep the application acknowledgement, mandate reference and final status until funds are released or shares are credited.
A practical decision guide
Choose bank ASBA when you want a direct bank workflow
Use an eligible bank’s ASBA or net-banking channel if you prefer to enter the application inside your bank and avoid a separate UPI mandate. You still need to confirm that the bank supports the particular issue and investor category, and you must follow its current interface.
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This route can be convenient for entering the bid in one place, but it adds a mandatory authorization step in the UPI app. Plan to monitor both systems: the intermediary for bid details and the UPI app for the block mandate.
Do not choose based only on a promised allotment or refund speed
Neither route guarantees allocation, listing performance or a specific release timetable. The mechanism determines how money is held; it does not improve the probability of receiving shares.
Regulatory context
ASBA is grounded in SEBI’s Issue of Capital and Disclosure Requirements framework, including provisions for specified book-built public issues. The SEBI ICDR Regulations provide that broader rule context; they should not be read as a universal description of every offer type or investor exception.
For the reader-facing mechanics, SEBI’s ASBA investor page and UPI investor page are the primary references. Check those pages, the current SEBI eligible lists and the issue’s offer document whenever a provider’s screen, limit or eligibility rule differs from this general guide.
Quick Recap
Application checklist
- Read the current offer document and confirm dates, price band, lot size and category.
- Choose an eligible bank ASBA channel or permitted intermediary.
- Use your own PAN, demat account, bank account and, for UPI, your own linked UPI ID.
- Enter the bid and review every field before submission.
- If using UPI, open the UPI app and approve the correct sponsor-bank mandate with your UPI PIN.
- Save the application and mandate references and check status through the provider’s current tools.
- After allotment, verify the debit for allotted shares and the release of unused funds.
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