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UPI LITE

UPI LITE Overview
Introducing UPI LITE: Making transactions Faster Secure Seamless

UPI LITE is a new payment solution that leverages the trusted NPCI Common Library (CL) application to process low value transactions that have been set at below ₹ 500. The solution runs off existing UPI ecosystem protocols for mobile phones to ensure commonality, compliance and system acceptance. UPI LITE experience is intended to be a customer-friendly approach to enabling low value transactions without utilizing a Remitter bank’s core banking systems in real-time, while providing adequate risk mitigation.

Enablement Flow

To enable UPI LITE

  • User has to open his/her UPI App
  • On home screen of the App, user will get the option to enable UPI LITE. Click on the option
  • User reads and accepts the terms & conditions
  • User enters the amount to add in UPI LITE and select the Bank account
  • User enters UPI PIN
  • UPI LITE enabled successfully!
Transaction flow

For making seamless transactions via UPI LITE

  • User opens the app
  • User chooses to pay.
  • User enters the amount
  • Money Sent Successfully without UPI Pin
Benefits of UPI Lite
  • Improved success rate for UPI transactions
  • Less infrastructure load on Remitter Bank CBS
  • Uncluttered Passbook for users
  • One click single factor authentication for UPI transactions of value less than ₹ 500
UPI LITE balance in case of change of Mobile Device

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.

In 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 .

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.

Banks Live:
UPI LITE - 54 Banks Live
Sr. No. Remitter Bank LITE
1 Andhra Pradesh Grameena Vikas Bank Live
2 Andhra Pragathi Grameena Bank Live
3 AU small Finance Bank Live
4 Axis Bank Ltd. Live
5 Bank of Baroda Live
6 Bank of India Live
7 Bank of Maharashtra Live
8 Bharat Co-Operative Bank (Mumbai) Ltd. Live
9 Canara Bank Live
10 Central Bank Of India Live
11 City Union Bank Live
12 Chhattisgarh Rajya Gramin Bank Live
13 Cosmos Bank Live
14 DBS Bank Live
15 DCB Bank Ltd Live
16 Dhanlaxmi Bank Ltd Live
17 Equitas Bank Live
18 Federal Bank Live
19 Fino Payments Bank Limited FIP Live
20 HDFC BANK LTD Live
21 ICICI Bank Live
22 IDFC First Bank Live
23 Indian Bank Live
24 Indian Overseas Bank Live
25 IndusInd Bank Live
26 Jammu and Kashmir Bank Live
27 Janakalyan Sahakari Bank Live
28 Janata Sahakari Bank Ltd. Pune Live
29 Karnataka Bank Live
30 Karnataka Gramin Bank Live
31 Karnataka Vikas Grameena Bank Live
32 Karur Vysya Bank Live
33 Kerala Gramin Bank Live
34 Kotak Mahindra Bank Live
35 Meghalaya Rural Bank Live
36 Punjab and Sind Bank Live
37 Punjab National Bank Live
38 Rajasthan Marudhara Gramin Bank Live
39 Saraswat Bank Live
40 Saurashtra Gramin Bank Live
41 South Indian Bank Live
42 State Bank Of India Live
43 Suryoday Small Finance Bank Ltd. Live
44 Svc co-operative bank ltd Live
45 Tamilnad Mercantile Bank Live
46 Telangana Grameena bank Live
47 The Andhra Pradesh State Co-operative Bank Live
48 TJSB Sahakari Bank Ltd Live
49 UCO Bank Live
50 Ujjivan Small Finance Bank Live
51 Union Bank of India Live
52 Utkarsh Small Finance Bank Limited Live
53 Uttarakhand Gramin Bank Live
54 Yes Bank Ltd Live
Apps Live:
UPI LITE - 27 Apps Live
Sr. No Apps LITE
1 ABCD Live
2 Bajaj Pay Live
3 BHIM Live
4 BHIM IOB UPI Live
5 BHIM PNB Live
6 BHIM SBI Pay Live
7 BHIM Suryoday UPI Live
8 BOB world UPI Live
9 Canara ai1 Live
10 Cent UPI (CBI) Live
11 Curie Money Live
12 Fino Pay Live
13 Freecharge Live
14 Genwise Live
15 Gpay Live
16 Groww Live
17 JKB BHIM UPI Live
18 Navi Live
19 OneCard Live
20 PayTm Live
21 PhonePe Live
22 PopClub Live
23 Samsung Wallet Live
24 Supermoney Live
25 TimePay Live
26 Unity UPI App Live
27 Yes Pay Next Live