Add money to your wallet

Bill payments, money transfer and bookings are paid from your wallet. To fill it you send money from your bank to an Online Saathi bank account, then tell the app about it with a top-up request. Your White Label checks it and adds the money.

Example used below: you paid ₹5,000 by IMPS, your bank gave the reference (UTR) number 412345678901. Use your own details.

Before you start

You need	Why
The payment already done from your bank app	You will enter its UTR and upload its screenshot
The UTR / reference number of that payment (usually 12 digits for IMPS and UPI)	It is how the payment is matched. A UTR can be used only once (the UTR of a rejected request can be sent again)
A screenshot of the successful payment (PNG, JPG or WEBP; PDF is not accepted)	It is the proof
Your correct PIN code in My Profile	Bank accounts are shown by area. If it is missing the app asks you to update it first

Step 1: Open the wallet

Open Wallet (the wallet card on your home screen, or from the menu). You see your Available Balance, a green Active tag and the ADD BALANCE button. Below are two tabs: Activities (everything that moved your money) and Recharge Requests (your top-up requests).

Only one request at a time. While a request is waiting for approval the button shows PENDING and you cannot add another. When it is approved or rejected, the button is ADD BALANCE again.

Step 2: Pay the money first (if you have not yet)

1. In the top-up screen tap BANK DETAILS.
2. Swipe left and right to see the bank accounts. Each card shows the account holder, account number and IFSC; tap the copy icon to copy.
3. The QR below belongs to the card in view. In your bank or UPI app (Google Pay, PhonePe, Paytm) scan it, or tap Pay with a UPI app. Check the name that your app shows before you pay.
4. Pay by UPI, IMPS, NEFT or RTGS. See Payment methods.
5. Keep the UTR number and take a screenshot of the success screen.

Some accounts have no QR; for those pay by IMPS / NEFT / RTGS with the account number and IFSC.

Step 3: Fill the top-up form

Tap ADD BALANCE. The TOP-UP WALLET screen opens on the TOP UP tab.

1. Amount (₹): type the amount you paid, for example 5000. The buttons ₹10K, ₹20K, ₹50K fill common amounts. The amount must match your payment.
2. Paid via: tap how you paid: UPI, NEFT, RTGS or IMPS. Example: IMPS.
3. UTR / Ref Number: type the number from your bank. Example: 412345678901.
4. Deposit Date: the date you paid. It is today by default; change it if you paid earlier. A future date is not allowed.

5. Bank account: tap and choose the account you paid into, for example HDFC BANK · Naroda GIDC. Choose the same account your money went to, so the payment can be matched.

After you choose, the account's number, IFSC and QR appear under the field. Tap HIDE QR to close it.

Step 4: Upload the payment screenshot

1. Tap UPLOAD PAYMENT SCREENSHOT and pick your screenshot from the gallery or camera.
2. The Crop Payment Proof screen opens. The app finds the edges of the document automatically; fine-tune the frame if needed. You can pick a shape (FREE, 1:1, 4:3, 3:4, 16:9), zoom, or rotate.
3. Make sure the amount, the UTR and the date are readable, then tap APPLY CROP. (CANCEL goes back.)

The picture now shows in the box with "Tap to change".

Step 5: Submit

Tap CONFIRM TOP-UP. The button stays grey until every field is filled.

You see "Top-up request submitted successfully". The wallet button changes to PENDING.

Step 6: Follow your request

Open the Recharge Requests tab. Each request shows the bank, date and time, amount and a status:

Status	Meaning	What to do
PENDING	Waiting to be checked. Usually done within 24 hours	Wait
APPROVED	Money is in your wallet	Nothing
REJECTED	It could not be matched. The reason is shown under it	Tap Resubmit, correct it (right UTR, clear screenshot) and send again

Use Filter to find a request by status, date or amount, and Refresh to update the list.

Personal account (some brands)

If your brand shows "Your personal account: credited automatically", money sent to that account reaches your wallet by itself. You do not fill this form or enter a UTR.

Charges

Your White Label may charge a small add-money fee that depends on the method (for example UPI or IMPS). The wallet gets the full amount and the fee shows as a separate line "Add money charge" in your statement.

Common problems

Problem	Fix
Button shows PENDING	An earlier request is still waiting (see below)
"This UTR number has already been used." or "…already associated with an active wallet top-up request."	Each UTR works once. Check the number and do not submit the same payment twice
"You already have a pending top-up request. Please wait for it to be processed."	Wait until the earlier request is approved or rejected
CONFIRM TOP-UP is grey	Amount, method, UTR, bank and screenshot are all needed
Rejected: UTR not found	Check the UTR digit by digit and the bank you paid into, then Resubmit
Bank account list is empty / asks for PIN code	Update your PIN code in My Profile
Still PENDING after 24 hours	Raise a support ticket with the UTR and the screenshot