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:
Sr. No. Remitter Bank LITE
1 AU small Finance Bank Live
2 Axis Bank Ltd. Live
3 Bank of Baroda Live
4 Bank of India Live
5 Canara Bank Live
6 Central Bank of India Live
7 Cosmos Bank Live
8 Equitas Bank Live
9 Federal Bank Live
10 Fincare Small Finance Bank Ltd Live
12 ICICI Bank Live
13 Indian Bank Live
14 Indian Overseas Bank Live
15 Janata Sahakari Bank Ltd. Pune Live
16 Karnataka Bank Live
17 Kotak Mahindra Bank Live
18 Paytm Payments Bank Live
19 Punjab and Sind Bank Live
20 Punjab National Bank Live
21 Saraswat Bank Live
22 State Bank of India Live
23 Svc co-operative bank ltd Live
24 Tamilnad Mercantile Bank Live
25 UCO Bank Live
26 Union Bank of India Live
27 Utkarsh Small Finance Bank Live
28 Yes Bank Live
29 Suryoday small finance bank Live
30 Bharat Cooperative Bank Live
31 Jammu and Kashmir Bank Live
32 Ujjivan Small Finance Bank Live
33 City Union Bank Live
34 Andhra Pragathi Grameena Bank Live
Apps Live:
Sr. No Apps LITE X
1 BHIM Live
2 Cent UPI (CBI) Live
3 Gpay Live
4 PayTm Live
5 PhonePe Live
8 Navi Live
9 BOB world UPI Live
10 Canara ai1 Live
11 Groww Live