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ESG
UPI lite is a simplified version of the Unified Payments Interface (UPI) designed for small-value transactions with enhanced speed and convenience. It allows users to make payments instantly without a PIN, thus ensuring seamless transactions even in low-network areas. By enabling an on-device wallet, UPI lite reduces the load on banks, making digital payments faster and more efficient while maintaining security and ease of use. Read on to get an insight into the working of UPI lite and how to use it.
What is UPI lite?
UPI lite is a lightweight version of the Unified Payments Interface (UPI), used for low-value, real-time payments without the use of a UPI PIN. It eliminates bank server latency by allowing transactions from stored balances instead of debiting from the bank account in real time.
This facility is ideal for immediate payment at a shop, street vendor, or small recurring transactions.
UPI lite limit: What can I transact?
The National Payments Corporation of India (NPCI) has limited UPI lite transactions:
Per-transaction limit: Rs. 1000
Maximum wallet balance: Rs. 5,000
UPI lite payments are fast, offline- capable, and not reliant on direct banking authentication for each small transaction, enabling smooth digital transactions.
How to use UPI lite
It’s easy to turn on UPI lite. Follow these steps:
- Open your UPI app (Google Pay, PhonePe, Paytm, or your bank app).
- Navigate to the ‘UPI lite’ option and switch on the feature.
- Add money to the UPI lite wallet from your bank account (up to Rs. 5,000).
- Begin transacting! There’s no PIN needed for payments up to Rs. 1000.
Why choose IDFC FIRST Bank for UPI lite?
IDFC FIRST Bank provides a simple online banking experience with:
- Single activation of UPI lite on mobile banking.
- Competitive interest rates, one of the highest in the industry with monthly interest payouts to enhance your savings.
- Instant and secure transactions supported by multi-layered security.
- 24*7 customer support for easy use of UPI lite.
- Zero-fee banking on all common savings account services which includes unlimited ATM withdrawals, online fund transfers, debit card & DD issuance, chequebook re-issuance, and a lot more.
Get a quicker, PIN-less UPI experience and pay less per day transactions with IDFC FIRST Bank.
Conclusion
UPI lite allows online payments in an instant, low-value manner without PIN verification. With Rs. 1000 transaction limit and Rs. 5,000 wallet balance, it is perfect for regular, low-value transactions. IDFC FIRST Bank supports it with a high-interest savings account and the ease of UPI lite integration- enabling smarter and digital banking.