Payment Methods
What is UPI Lite?
UPI Lite Small-Value Payments · यूपीआई लाइट
NPCI's on-device wallet for tiny payments — no PIN needed, works even when networks wobble.
UPI Lite loads a small balance onto the phone itself; payments under the per-transaction cap (₹500 at launch-era rules, since revised upward) deduct from that local wallet without hitting the core banking system or requiring a PIN.
Designed for vegetables-at-the-cart speed and patchy connectivity, Lite debits your main account only when you top up the wallet. Balance and load limits evolve with RBI circulars, so check your app's current caps.
UPI Lite: quick answers
Is UPI Lite a separate wallet company?
No — it is a UPI feature processed on-device, backed by your own bank account, not prepaid vouchers.
Can merchants tell it apart?
Payments arrive identically; only the payer notices the lighter flow.
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