GO

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