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The Unified Payments Interface (UPI) has revolutionised digital payments in India, making transactions instant, seamless, and hassle-free. Previously, this facility was restricted to Indian residents, but with recent advancements, NRIs can now leverage UPI for various transactions.
This development is particularly beneficial for NRIs, students studying abroad, and overseas businesses, allowing them to handle payments in India efficiently. Whether it's sending money to family, paying bills, or making online purchases, UPI eliminates the need for cumbersome bank details and expensive remittance services. By linking an NRE or NRO account to UPI, NRIs can now experience the convenience of India’s digital payment ecosystem.
Yes, NRIs pay via UPI using their NRE or NRO account from an eligible bank. To do so, they must link their account with an international mobile number from any of the eligible countries.
Eligibility criteria for NRIs:
Country |
ISD Code |
Hong Kong |
+852 |
United States of America |
+1 |
Canada |
+1 |
Australia |
+61 |
United Arab Emirates |
+971 |
Singapore |
+65 |
United Kingdom |
+44 |
Saudi Arabia |
+966 |
Oman |
+968 |
Qatar |
+974 |
Germany |
+49 |
Malaysia |
+60 |
Netherlands |
+31 |
France |
+33 |
South Africa |
+27 |
New Zealand |
+64 |
Setting up UPI as an NRI is straightforward. Follow these steps to register and start using UPI:
UPI for NRIs bridges the gap between international transactions and India’s fast-growing digital economy, making financial management effortless for non-resident Indians.
UPI allows NRIs to send and receive money from anyone in India without hassles. Transactions can be done using just a UPI ID, QR code, or phone number.
NRIs can conveniently pay utility bills, EMIs, school fees, insurance premiums, and subscriptions in India from anywhere in the world.
UPI is protected by two-factor authentication and encryption, reducing fraud risks. Each transaction requires a UPI PIN, ensuring security.
Keep in mind the following restrictions for NRI UPI payments:
The introduction of UPI for NRIs has made managing financial transactions in India easier and more accessible. By linking an IDFC FIRST Bank NRE/NRO account to UPI, NRIs can enjoy instant, secure, and cost-effective digital payments. From sending money to loved ones to paying bills hassle-free, UPI eliminates complexities, offering a seamless banking experience. However, it is essential to stay updated on transaction limits and regulations to make the most of this facility.
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