{"status":200,"data":[{"id":1,"order":1,"title":"UPI LITE","slug":"upi-lite","createdAt":"2024-08-01T09:37:19.694Z","updatedAt":"2025-12-02T07:56:47.490Z","publishedAt":"2024-08-01T09:58:27.456Z","locale":"en","slugName":null,"contents":[{"__component":"upi-lite.introduction","id":1,"order":1,"description":"UPI LITE is a payment solution which is designed to process low value transactions that are below ₹ 1000 in a faster and pin-less manner. The solution runs off existing UPI ecosystem protocols for mobile phones to ensure commonality, compliance and system acceptance while providing adequate risk mitigation.\nUPI LITE experience is intended to be a customer-friendly approach reducing load on core banking systems in real-time.","button_label":"Booklet","aria_label":"Booklet Pdf","file":{"url":"/uploads/Product_Booklet_1b11326abc.pdf"}},{"__component":"upi-lite.benefits","id":1,"order":2,"title":"Benefits of UPI LITE","media_type":"youtube","youtube_link":"https://youtu.be/eYLmIno_KFA","media":null,"items":[{"order":1,"id":1,"title":"Improved success rate for UPI transactions"},{"order":2,"id":2,"title":"Less infrastructure load on Remitter Bank CBS"},{"order":3,"id":3,"title":"Uncluttered Passbook for users"}]},{"__component":"upi-lite.flow-types","id":1,"order":3,"types":[{"order":1,"id":1,"title":"Enablement Flow","subtitle":"To enable UPI LITE","media_type":"youtube","youtube_link":"https://youtu.be/eYLmIno_KFA","media":null,"items":[{"order":1,"id":5,"title":"User must open his/her UPI App"},{"order":2,"id":6,"title":"On home screen of the App, user will get the option to enable UPI LITE. Click on the option"},{"order":3,"id":7,"title":"User reads and accepts the terms & conditions"},{"order":4,"id":8,"title":"User enters the amount to add in UPI LITE and select the Bank account"},{"order":5,"id":9,"title":"User enters UPI PIN"},{"order":6,"id":10,"title":"UPI LITE enabled successfully!"}]},{"order":2,"id":2,"title":"Transaction flow","subtitle":"For making seamless transactions via UPI LITE","media_type":"youtube","youtube_link":"https://youtu.be/eYLmIno_KFA","media":null,"items":[{"order":1,"id":11,"title":"User opens the app"},{"order":2,"id":12,"title":"User chooses to pay."},{"order":3,"id":13,"title":"User enters the amount"},{"order":4,"id":14,"title":"Money Sent Successfully without UPI Pin"}]},{"order":3,"id":19,"title":"Top up in UPI LITE","subtitle":"New User + Auto Top-up Setup","media_type":null,"youtube_link":null,"media":null,"items":[{"order":1,"id":112,"title":"User must open his/her UPI App"},{"order":2,"id":113,"title":"On the home screen, user gets the option to enable UPI LITE"},{"order":3,"id":114,"title":"User reads and accepts the terms & conditions"},{"order":4,"id":115,"title":"User selects Auto Top-up setting option at the time of enabling"},{"order":5,"id":116,"title":"User sets threshold amount and top-up amount as per the desired options"},{"order":6,"id":117,"title":"User enters UPI PIN once to confirm LITE enablement along with the Auto-top up setting"},{"order":7,"id":118,"title":"UPI LITE enabled with Auto Top-up setting successfully!"}]},{"order":4,"id":20,"title":null,"subtitle":"Existing User + Auto Top-up Setup","media_type":null,"youtube_link":null,"media":null,"items":[{"order":1,"id":119,"title":"User must open his/her UPI App"},{"order":2,"id":120,"title":"On the home screen, user will get the option to see their UPI LITE balance. Click on the option."},{"order":3,"id":121,"title":"User selects Auto Top-up setting on the App-specific UPI LITE page"},{"order":4,"id":122,"title":"User sets threshold amount and top-up amount"},{"order":5,"id":123,"title":"User enters UPI PIN once to confirm auto top-up setup"},{"order":6,"id":124,"title":"Auto Top-up successfully linked to existing UPI LITE!"}]},{"order":5,"id":22,"title":null,"subtitle":"Manual Top-up in UPI LITE","media_type":null,"youtube_link":null,"media":null,"items":[{"order":1,"id":125,"title":"User must open his/her UPI App"},{"order":2,"id":126,"title":"On the home screen, user will get the option to see their UPI LITE balance. Click on the option."},{"order":3,"id":127,"title":"User clicks on the LITE balance option, and enters the amount to add and clicks to add amount to LITE"},{"order":4,"id":128,"title":"User enters UPI PIN"},{"order":5,"id":129,"title":"Amount is successfully added to UPI LITE!"}]}]},{"__component":"upi-lite.upi-lite-balance","id":1,"order":4,"title":"UPI LITE balance in case of change of Mobile Device","description":"UPI LITE balance should be treated equivalent to cash and the user will be responsible for the balance loaded in LITE account. In case user changes the mobile device, user should disable the LITE account from old mobile device & then enable a new LITE account on the new mobile device. This shall ensure that the LITE balance lying in the older mobile LITE account is pushed back to user account.<br/>\nIn case user lost the device with the active LITE account and balance, user can approach their Bank for refund of balance in the bank account. Bank may perform necessary checks; post which bank may refund money to the user’s bank account .It should be noted that LITE balance will not be fetched in new mobile device if user changes the mobile device .","disclaimer":"Also, in case user wants to change the mobile number linked with UPI, user should must disable the LITE account before changing the mobile number."},{"__component":"upi-lite.upi-lite-fa-qs","id":1,"order":5,"title":"Frequently Asked Questions","button_label":"View all","button_link":"/faqs/upi-lite/upi","aria_label":"View all","tabs":[{"order":null,"id":1,"tab_name":null,"questions":[{"order":1,"id":1,"question":"How is the UPI LITE (On-Device wallet) enabled for the customer?","answer":"A customer can enable the UPI LITE (On-Device wallet) from any UPI App which is enabled for offering UPI LITE\nSpecific customer consent is required for enabling UPI LITE (On-Device wallet)\nThe customer will need to have a bank account linked with the set UPI PIN\nThe customer will authorize the issuing bank (using UPI PIN) to enable the UPI LITE (On-Device wallet)\nThis request will prompt the bank to transfer funds from the customer account towards UPI LITE (On-Device wallet) usage\nOnce the issuing bank confirms successful transfer of funds, the UPI LITE (On-Device wallet) is enabled and the virtual balance is reflected in the CL of the UPI App."},{"order":2,"id":2,"question":"What if a customer wants to add another UPI LITE (On-Device wallet) with a different bank account on an App which has an active UPI LITE (On-Device wallet)?","answer":"Customer should first disable the existing LITE account in his phone so that LITE balance is transferred to the user bank account. User can then again do a fresh LITE account creation in the new device.\n\n"},{"order":3,"id":3,"question":"What if a customer wants to add another UPI LITE (On-Device wallet) account on an app which has an active UPI LITE (On-Device wallet)?","answer":"The customer will have to first disable the existing LITE account to initiate a refund for the UPI LITE (On-Device wallet) balance (stored in the CL) which is active on a given app and then enable UPI LITE account using the bank account of their choice."}]}]}]}]}