@P Patel it is possible to apply from OD acc via upi. Only Bhni application is not possible due to upi limit.
I have my OD acc with SCB and demat with Zerodha.
I have a debit card of my OD acc, so i created upi.
Now i can apply in retail category in mainline and sme ipos.
i hav been alloted in few ipos.