Staff member
UPI Lite is a new feature introduced by NPCI. It is almost similar to prepaid wallets like Paytm Wallet, Mobikwik etc. Add money to your UPI Lite on device wallet, and pay to merchants later. You can add funds to your UPI LITE account from your UPI linked bank account.


UPI works offline as well. It is applicable for transactions below Rs 200, and doesn;t require entering UPI PIN.

UPI LITE balance is capped at INR 2000 at any point in time.

Once enabled, all transactions of INR 200 and below will be processed using UPI LITE.


Manish Gupta

Which UPI app support this UPI Lite option? Can't see this in Paytm UPI so far.


how to use Paytm UPI Lite? will it replace the paytm wallet feature if i enable the upi lite wallet?

IWO Admin

UPI Lite support is coming soon to third-party apps including Paytm, PhonePe in coming weeks. This would help users to pay using UPI even when offline, and have no reliable data network (especially in remote areas). This would also reduce the payment failure rates due to bank server unavailability.

Just to remind you again, the UPI Lite is only for the transactions under Rs 200 and doesn't require the customer to enter his UPI PIN to authenticate the transaction.

Related News: