[nmridul]

I use same phone number across multiple bank accounts. So I create unique UPI IDs to receive in each. So Google pay is linked to icici, Airtel is linked to Canara bank. When people send money, I receive it in the corresponding one.

With just phone number, I will need to get multiple sim cards for each bank account.

(User of both UPI and PayNow)

[fractalb]

And UPI names are easier to remember than phone numbers. And you can change your phone numbers without any worries