You can apply for IPO by using the Net banking facility of the bank with ASBA process. Those who customer's who don't have the UPI activated, can apply to IPO by net banking facility of the bank through ASBA.

Applications Supported by Blocked Amount (ASBA) is a process developed by the India's Stock Market Regulator SEBI for applying to IPO. In ASBA, an IPO applicant's account doesn't get debited until shares are allotted to them.